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GAIRD011212N (G-AIRD01 New York Policy) 14124 - 1212

This Policy provides limited benefits DESCRIPTION OF 24-HOUR EMERGENCY


health insurance only. This coverage ASSISTANCE SERVICES
does not meet the minimum (PROVIDED BY CSAS DESIGNATED
requirements for Medicare supplement, PROVIDER)
long-term care insurance, nursing
home insurance only, home care Available Services
Various 24-Hour Emergency Assistance Services are
insurance only, or nursing home and provided along with the CSA Travel Protection plans. A
TRAVEL INSURANCE POLICY home care insurance in the State of description of all 24-Hour Emergency Assistance Services
New York. Purchase of this coverage are contained in this document. The 24-Hour Emergency
NEW YORK may be unnecessary if you already Assistance Services are only available to persons whose
have or intend to purchase Medicare primary residence is in the United States. This plan is
administered by CSA Travel Protection and Insurance
G-AIRD01 supplement insurance or long term Services.
care insurance.
How to Call the 24-Hour Emergency Hotline
Underwritten by Generali US Branch The President and Executive Vice President of Generali US If you need emergency help for an available service, you
Branch witness this Policy. can call toll-free 24 hours a day to (866) 922-0278 from
The material contained within is your Insurance Policy. No
coverage is in force unless payment has been made for this within the United States, or call collect to (202) 974-6480
program. The following pages may describe more travel from around the world.
insurance benefits than purchased by you. As insurance When calling, you should have available your Policy/
benefits can vary from program to program, please refer Reference number and Plan Code, your location, a local
to the Schedule of Benefits. It provides you with specific telephone number, and details of the situation. After your
information about the program you have purchased. President coverage has been verified, the assistance provider will
This Policy is issued to you. The Policy is issued in assist you. If you cannot call collect from your location,
consideration of payment of premiums as provided by its dial direct and give the assistance provider your telephone
terms. We agree to pay benefits in accordance with all the number and location and they will call you back.
provisions of this Policy. Premiums are payable to us or our To call collect from a foreign country you may first need
agent in amounts as set forth by us. to reach a live operator on the line. In some cases, that
Executive Vice President operator may not understand how to process collect calls
to the United States. To be prepared, please visit www.
consumer.att.com/global/english/away/directservice.
html for information on how to reach an English-speaking
operator. If you were unable to reach CSA collect and paid
for your call, we will ask you for a number to call you back
FOR COVERAGE INQUIRIES OR CUSTOMER T001PJ01.01NY (04/12) so you will pay no further charges.
SERVICE CALL:
In the event of a life-threatening emergency, please first
(800) 554-9839 call the local emergency authorities to receive immediate
PARA ASISTENCIA EN ESPANOL, FAVOR DE assistance and then contact the assistance provider.
LLAMAR AL: There may be times when circumstances beyond the
(800) 318-0179 assistance providers control hinder their endeavors
FOR EMERGENCY ASSISTANCE 24H A DAY to provide help services; however, they will make all
DURING YOUR TRIP, CALL: reasonable efforts to provide services and help resolve
your problem.
IN THE U.S.
(866) 922-0278 The assistance provider cannot be held responsible for
failure to provide, or for delay in providing services when
COLLECT WORLDWIDE such failure or delay is caused by conditions beyond its
(202) 974-6480 control, including but not limited to flight conditions, labor
disturbance and strike, rebellion, riot, civil commotion, war
or uprising, nuclear accidents, natural disasters, acts of
God or where rendering service is prohibited by local law or
regulations.

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The assistance providers staff will do their best to refer Locating Lost or Stolen Items Event ticketing: provides tickets to virtually any sporting,
you to the appropriate providers. However, the assistance The assistance provider will assist in locating and theater or concert event worldwide.
provider and CSA cannot be held responsible for the quality replacing lost or stolen luggage, documents and personal
or results of any services provided by these independent Flowers and gift baskets: include the purchase and
possessions. shipment of flowers and gift baskets to friends, family
practitioners.
Replacement of Medication and Eyeglasses members, and business associates.
Availability of Services The assistance provider will arrange to fill a prescription Golf outings and tee times: provide referrals and tee
You are eligible for informational and concierge services at that has been lost, stolen or requires a refill, subject to local times at golf courses around the world.
any time after you purchase this plan. law, whenever possible. The assistance provider will also
arrange for shipment of replacement eyeglasses. Costs Hotel accommodations: offers research and
The Emergency Assistance Services become available recommendations on hotels worldwide and book
when you actually start your trip. for shipping of medication or eyeglasses, or a prescription
refill, etc. are your responsibility. The refill may require reservations if requested by you.
Emergency Assistance, Concierge and Informational a visit to a local physician. You should be prepared to Meet-and-greet services: include the pick-ups of friends;
Services end the earliest of: midnight on the day the furnish the assistance provider with a copy of your original family members or business associates at airports or other
program expires; when you reach your return destination; prescription and/or the name and phone number of your common carrier destinations by limousine personnel.
or when you complete your trip. regular attending physician.
Personalized retail shopping assistance: includes
Informational Services Embassy and Consular Services purchasing selected retail items at your request.
The assistance provider offers a wide range of The assistance provider will provide referrals to travelers
informational services before you leave home and needing the assistance of U.S. embassies and consulates. Pre-trip assistance: provides information on travel
during your trip, including: Visa, Passport, Inoculation destinations, city profiles, weather, special events, ATM
and Immunization Requirements, Cultural Information, Worldwide Medical Information locations, currency exchange rates, immunization and
Temperature, Weather Conditions, Embassy and Consulate The assistance provider can provide necessary inoculation passport requirements, and related services.
Referrals, Foreign Exchange Rates, and Travel Advisories. and vaccination information, and detailed general health
and medical descriptions of destinations around the world. Procurement of hard-to-find items: ensures our
associates will use every means possible to obtain an
EMERGENCY ASSISTANCE SERVICES Interpretation/Translation obscure or exotic item at your request.
The assistance provider will assist with telephone
Medical Referral interpretation in all major languages or will refer you to an Restaurant reviews and reservations: provides you with
If an emergency occurs during a trip that requires you to interpretation or translation service for written documents. information on restaurants worldwide and the ability to book
visit a doctor, you should call the Emergency Hotline to reservations from anywhere, anytime.
obtain the names of local qualified doctors who speak Emergency Message Relay
your language. If additional medical services are required, Emergency messages can be relayed to and from friends, Rental car reservations: provide worldwide reservations
the assistance provider is prepared to consult with the relatives, personal physicians and employers. through most major rental car agencies.
attending physician and provide such assistance, as they Airline reservations: provide full-service air travel
believe to be in your best interest. Pet Return
accommodations to destinations worldwide.
The assistance provider will arrange for the return of your
Traveling Companion Assistance pet to your home if your pet is traveling with you and Pet Services Locator: helps travelers find pet-related
If a Traveling Companion loses previously-made travel you are unable to take care of your pet due to a medical services such as veterinarians and pet sitters.
arrangements due to your medical emergency, the emergency.
assistance provider will arrange for your Traveling
Companions return home. Vehicle Return
The assistance provider will make arrangements to have a
Emergency Cash Transfer designated person or provider return your vehicle to your
If your cash or travelers checks are lost or stolen, or home (or your rental vehicle to the closest rental agency)
unanticipated emergency expenses are incurred, the if you experience a medical emergency or mechanical
assistance provider will help arrange for an emergency problems, which prevent you from driving the vehicle.
cash transfer in currency, travelers checks, or other
forms as deemed acceptable by the assistance provider. CONCIERGE SERVICES
The assistance provider will advance up to $500 after
satisfactory guarantee of reimbursement from you. City profiles: provide travelers access to information on
over 10,000 destinations worldwide, including a complete
Legal Referral report on local entertainment, social customs, and health
The assistance provider will locate attorneys available advisories.
during regular working hours. Assistance will also be
provided to advance bail bond, where permitted by law. You Epicurean needs: arranges the delivery of specialized
are responsible for contracted legal fees. foods and beverages to your home or office, including
gourmet meats and fine wine.

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INSURANCE COVERAGE ADOPTION PROCEEDING means any mandatory meeting FAMILY MEMBER means
as a condition of law requiring the attendance of the Traveling Companion(s)
prospective adoptive parent(s) with the intent to create a Insureds or Traveling Companions Spouse
SCHEDULE OF BENEFITS legal parent-child relationship. Insureds, Traveling Companions or Spouses:
AIR FLIGHT ACCIDENT means an Accident that occurs Dependent Children;
Maximum Maximum while a passenger in or on, boarding or alighting from an parent;
Coverage Limit Per Limit Per aircraft of a regularly scheduled airline or an air charter sibling;
Person Plan company that is licensed to carry passengers for hire.
grandparent, great-grandparent, grandchild or great-
BAGGAGE means luggage, personal possessions and grandchild;
Trip Cancellation 100% of Trip Cost Insured travel documents taken by you on your Trip. step-parent or step-sibling;
BUSINESS EQUIPMENT means physical property owned son-in-law or daughter-in-law;
Trip Interruption 150% of Trip Cost Insured by you used in trade, business, or for the production of brother-in-law or sister-in-law;
income, taken by you for use on your Trip, excluding aunt or uncle;
Travel Delay software, data, and any items defined as Baggage within
($100 Per Person $500 $5,000 niece or nephew;
this Policy
Daily Limit Applies) legal guardian.
COMMON CARRIER means any land, water or air
conveyance, with scheduled and published departure FINANCIAL INSOLVENCY means the total cessation or
Baggage Coverage $500 $5,000 and arrival times, operated under a license for the complete suspension of operations due to insolvency,
transportation of passengers for hire, not including taxicabs with or without the filing of a bankruptcy petition, whether
Baggage Delay $200 $2,000 or rented, leased or privately owned motor vehicles. voluntary or involuntary, by a tour operator, cruise line,
airline, rental car company, hotel, condominium, railroad,
Accidental DEPENDENT CHILD means the Policyholders unmarried motor coach company, or other supplier of travel services
Death and child from the moment of birth, including a natural which is duly licensed in the jurisdiction of operation other
$25,000 $50,000 child,grandchild, stepchild or adopted child from the date than the entity or the person, organization, agency or firm
Dismemberment -
Air Flight Accident of placement with the Policyholder. The Dependent Child from whom you directly purchased or paid for your Trip,
must be primarily dependent upon such Policyholder for provided the Financial Insolvency occurs more than 14
maintenance and support, and must be: days following your effective date for the Trip Cancellation
10-DAY RIGHT TO EXAMINE YOUR POLICY Benefits. There is no coverage for the total cessation or
1) under the age of nineteen (19); complete suspension of operations for losses caused by
If you are not satisfied for any reason, you may cancel
coverage under the Policy within 10 days after receipt. 2) under the age of twenty-five (25) if enrolled as a full-time fraud or negligent misrepresentation by the supplier of
Your premium payment will be refunded provided that student at an Institution of Higher Learning ; travel services.
there has been no incurred covered expense and you or HOME means your primary or secondary residence.
have not left on your Trip. Return the Policy to us at the
Program Administrators office or our authorized agent. 3) classified as an Incapacitated Dependent Child. HOSPITAL means a short-term, acute, general hospital,
When so returned, the Policy is void from the beginning. that:
After this 10-day period, the payment for this coverage is DOMESTIC PARTNER means a person who is at least
eighteen years of age and you can show: (1) evidence of (a) is primarily engaged in providing, by or under the
nonrefundable. continuous supervision of physicians, to inpatients,
financial interdependence, such as joint bank accounts
or credit cards, jointly owned property, and mutual life diagnostic services and therapeutic services for diagnosis,
DEFINITIONS insurance or pension beneficiary designations; (2) evidence treatment and care of injured or sick persons;has organized
of cohabitation for at least the previous 6 months; and (3) departments of medicine and major surgery;
you, your and yours refer to the Insured. we, us
and our refer to the company providing this coverage. In an affidavit of domestic partnership if recognized by the (b) has a requirement that every patient must be under the
addition, certain words and phrases are defined as follows: jurisdiction within which you reside. care of a physician or dentist;
ACCIDENT means a sudden, unexpected, unintended and ELECTIVE TREATMENT AND PROCEDURES means (c) provides 24-hour nursing service by or under the
external event, which causes Injury. any medical treatment or surgical procedure that is not supervision of a registered professional nurse (R.N.);
medically necessary including any service, treatment,
ACCOMMODATION means any establishment used for the or supplies that are deemed by the federal, or a state (d) if located in New York State, has in effect a
purpose of temporary overnight lodging for which a fee is or local government authority, or by us to be research hospitalization review plan applicable to all patients which
paid and reservations are required. or experimental or that is not recognized as a generally meets at least the standards set forth in section 1861(k) of
accepted medical practice. United States Public Law 89-97, (42 USCA 1395xk);
ACTUAL CASH VALUE means purchase price less
depreciation. EPIDEMIC means an outbreak of a contagious illness (e) is duly licensed by the agency responsible for licensing
or disease that spreads rapidly and widely and that is such hospitals; and
identified as an epidemic by The Centers for Disease
Control and Prevention.
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(f) is not, other than incidentally, a place of rest, a place maintenance fees. Payments also include the units of SPOUSE means your legally wed husband/wife or
primarily for the treatment of tuberculosis, a place for the currency purchased from a travel or vacation club to be Domestic Partner as defined by this Policy.
aged, a place for drug addicts, alcoholics, or a place for used as valuation in payment for arrangements and to
convalescent, custodial, educational, or rehabilitative care. access travel arrangements (including but not limited TERRORIST ACT means an act of violence, other than
to points, credits or other values). Such currency units civil disorder or riot, (that is not an act of war, declared or
HOST means the person with whom you are scheduled to must be used in accordance with travel or vacation club undeclared) that results in loss of life or major damage to
share pre-arranged overnight accommodations in his/her rules and must be for travel under a membership or for a property, by any person acting on behalf of or in connection
principal place of residence. deeded real estate product. In the case of currency units, with any organization which is generally recognized as
we reserve the right to replace, restore or replenish your having the intent to overthrow or influence the control of
INCAPACITATED DEPENDENT CHILD means a any government.
child who, as a result of being mentally or physically currency units in lieu of reimbursement.
challenged, is permanently incapable of self-support and PHYSICIAN means a person licensed as a medical doctor TRAVELING COMPANION means a person who, during
permanently dependent on the Policyholder for support and by the jurisdiction in which he/she is resident to practice the the Trip, will accompany you in the same accommodations.
maintenance. The incapacity must have occurred while the healing arts. He/she must be practicing within the scope of
child was: TRIP means:
his/her license for the service or treatment given and may A period of round-trip travel at least 100 miles away
1) under the age of nineteen (19); or not be you, a Traveling Companion, or a Family Member of from Home, excluding regular commuting and local
yours. travel; the purpose of the Trip is business or pleasure
2) under the age of twenty-five (25) if enrolled as a full-time and is not to obtain health care or treatment of any
student at an Institution of Higher Learning. PORT OF CALL means a city or town on a waterway with
facilities for loading and unloading cargo where a ship is kind; the Trip has defined departure and return dates
INJURY means bodily harm caused by an Accident which scheduled to dock, not including the ports of embarkation specified when you purchase the coverage; the Trip
requires the in-person examination and treatment by a and disembarkation. does not exceed 180 days in length.
Physician. The Injury must be the direct cause of loss and A period of one-way travel that starts in the U.S.
must be independent of all other causes and must not be PRE-EXISTING CONDITION means symptoms of a or Canada (except U.S. citizens may begin their
caused by, or result from, Sickness. Sickness or Injury during the 60 day period immediately Trip outside the U.S., if returning to the U.S.); the
prior to your effective date which would ordinarily cause purpose of the Trip is business or pleasure and is
INSTITUTION OF HIGHER LEARNING means any a prudent person to seek medical diagnosis, care or not to obtain health care or treatment of any kind;
accredited public or private college, university, professional treatment or a condition for which you or your Traveling the Trip has defined departure and arrival dates and
trade or vocational school beyond the twelfth grade. Companion received medical advice or for which treatment defined departure and arrival places specified when
INSURED means the Policyholder, the Policyholders was recommended by a physician or received from a you apply; and the Trip does not exceed 31 days in
Spouse and Dependent Children and any other person Physician. length.
named on the application form, for whom the required PROGRAM ADMINISTRATOR means CSA Travel UNINHABITABLE means the dwelling is not suitable for
premium payment is received and a Trip is scheduled. Protection. human occupancy in accordance with local public safety
INSURER means Generali US Branch. QUARANTINE means the enforced isolation of you or your guidelines.
OTHER VALID AND COLLECTIBLE HEALTH INSURANCE Traveling Companion, for the purpose of preventing the USUAL AND CUSTOMARY CHARGE means those
means any policy or contract which provides for payment spread of illness, disease or pests. charges: (1) for necessary treatment and services that
of medical expenses incurred because of Physician, nurse, SCHEDULED DEPARTURE DATE means the date on are reasonable for the treatment of cases of comparable
dental or Hospital care or treatment; or the performance which you are originally scheduled to leave on your Trip. severity and nature; (2) that do not exceed the usual level o
of surgery or administration of anesthesia. The policy f charges for similar treatment, supplies or medical services
or contract providing such benefits includes, but is not SCHEDULED RETURN DATE means the date on which in the locality where the expense is incurred; and (3) does
limited to, group or blanket insurance policies; service you are originally scheduled to return to the point where the not include charges that would not have been made if no
plan contracts; employee benefit plans; or any plan Trip started or to a different final destination. insurance existed. In no event will Usual and Customary
arranged through an employer, labor union, employee Charges exceed the actual amount charged.
SCHEDULED TRIP DEPARTURE CITY means the city
benefit association or trustee; or any group plan created or where the scheduled Trip on which you are to participate
administered by the federal or a state or local government originates. ELIGIBILITY AND EFFECTIVE DATES
or its agencies. In the event any other group plan provides
for benefits in the form of services in lieu of monetary SERVICE ANIMAL means any guide dog, signal dog, or Who is Eligible for Coverage
payment, the usual and customary value of each service other animal individually trained to work or perform tasks Coverage will be provided for all travelers as named on the
rendered will be considered a covered expense. for the benefit of an individual with a disability, including, enrollment form, provided the required premium payment
but not limited to, guiding persons with impaired vision, has been received by us or our authorized agent, and
PANDEMIC means an Epidemic over a wide geographic alerting persons with impaired hearing to intruders or provided the person is a resident of the United States
area that affects a large portion of the population. sounds, providing animal protection or rescue work, pulling of America, or a non-resident who has purchased the
PAYMENTS means the cash, check, credit card amounts a wheelchair, or fetching dropped items. coverage in the United States of America.
paid for your Trip, including but not limited to reservation SICKNESS means an illness or disease of the body
costs, timeshare exchange fees, ownership dues (not that requires in-person examination and treatment by a
including the cost of your vacation ownership) and Physician.
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When Coverage Begins ENTIRE CONTRACT: CHANGES ii. reconstructive surgery because of congenital
All coverages (except Trip Cancellation and Trip This Policy may be changed at any time by written disease or anomaly of a covered Dependent
Interruption) will take effect on the later of: agreement between us. Only our President, Vice President Child which has resulted in a functional defect.
1. the date the premium payment has been received by or Secretary may change or waive the provisions of this The following exclusion applies to the Trip
us; or Policy. No agent or other person may change this Policy Cancellation, Trip Interruption, and Travel Delay
or waive any of its terms. The change will be endorsed on coverages:
2. the date and time you start your Trip; or this Policy.
3. 12:01 A.M. local time at your location on the a. We will not pay for loss or expense caused by or
Scheduled Departure Date of your Trip. TRANSFER OF THE INSUREDS RIGHTS AND DUTIES incurred resulting from a Pre-Existing Condition,
UNDER THIS POLICY as defined in the Definitions section, including
Trip Cancellation coverage will take effect at 12:01 A.M. The Insureds rights and duties under this Policy may not
local time at your location on the day after the date your death that results therefrom.
be transferred without our written consent except: 1) in the b. We will not pay for any loss under this Policy,
premium payment is received by us or our authorized case of death of an individual named Insured, or 2) at our
agent. Trip Interruption coverage will take effect on the caused by, or resulting from failure of any tour
option, we will honor an assignment of rights if a properly operator, Common Carrier, or other travel supplier,
Scheduled Departure Date of your Trip if the required executed assignment of rights has been filed with us.
premium payment is received. person or agency to provide the bargained-
for travel arrangements other than Financial
When Coverage Ends GENERAL EXCLUSIONS Insolvency.
Your coverage automatically ends on the earlier of:
1. the date the Trip is completed; or 1. We will not pay for any loss under this Policy, caused The following exclusions apply to Baggage, Baggage
by, or resulting from: Delay, Trip Cancellation, Trip Interruption, and Travel
2. the Scheduled Return Date; or Delay coverages:
3. your arrival at the return destination on a round trip, a. your or your Traveling Companions suicide,
or the destination on a one-way trip; or cancellation attempted suicide, or intentionally self-inflicted 1. We will not pay for any loss under this Policy, caused
of the Trip covered by the Policy. injury; by, or resulting from:
Extension of Coverage b. mental, nervous, or psychological disorders of you a. your or your Traveling Companions participation
or your Traveling Companion; as a professional in athletics;
All coverages under the Policy will be extended if your
entire Trip is covered by the Policy and your return is c. you or your Traveling Companion being under the b. your or your Traveling Companions participation
delayed by unavoidable circumstances beyond your influence of drugs or intoxicants, unless prescribed in organized amateur and interscholastic athletic
control. If coverage is extended for the above reasons, by a Physician; or sports competition or events;
coverage will end on the earlier of the date you reach your d. normal pregnancy or resulting childbirth, elective c. you or your Traveling Companion riding or driving
originally scheduled return destination or seven (7) days abortion or fertility treatment of the you or your in any motor competition;
after the Scheduled Return Date. Traveling Companion; d. you or your Traveling Companion mountain
e. you or your Traveling Companion operating or climbing, bungee cord jumping, skydiving,
GENERAL PROVISIONS learning to operate any aircraft, as pilot or crew; parachuting, hang gliding, parasailing, caving,
f. you or your Traveling Companions travel on extreme skiing, heli-skiing, skiing outside marked
CANCELLATION BY US trails, boxing, full contact martial arts, or scuba
You have purchased single pay, single term, non- any air-supported device other than as a fare-
paying passenger on a scheduled or charter flight diving below 120 feet (40 meters) or without a dive
renewable insurance coverage. We have no unilateral right master;
to cancel this coverage after it became effective. operated by a scheduled airline;
g. declared or undeclared war, or any act of war; e. your or your Traveling Companions Elective
CONCEALMENT OR FRAUD Treatment and Procedures;
We do not provide coverage if the Insured has intentionally h. civil disorder;
f. your or your Traveling Companions medical
concealed or misrepresented any material fact or i. any amount paid or payable under Workers treatment during or arising from a Trip undertaken
circumstance relating to this Policy. Compensation, disability benefit or similar law. for the purpose or intent of securing medical
DUPLICATION OF COVERAGE The following exclusions apply to the Accidental Death treatment;
You may be covered under only one travel policy with us & Dismemberment Air Fligth Accident coverage: g. nuclear reaction, radiation or radioactive
for each Trip. If you are covered under more than one such 1. We will not pay for any loss under this Policy, caused contamination;
policy, the policy with the higher coverage limit will remain by, or resulting from cosmetic surgery with the h. any unlawful acts, committed by you or your
in effect and the maximum benefit limit as stated in the exception of: Traveling Companion;
Schedule of Coverage of such policy will be the maximum
benefit payable in the event a claim occurs. In the event i. reconstructive surgery when such surgery is i. a loss or damage caused by detention,
claim payment has been made under the duplicate policy, incidental to or follows surgery resulting from confiscation or destruction by customs or any
premiums paid less claims paid will be refunded for the trauma, infection or other diseases of the governmental authority, regulation or prohibition;
duplicate coverage that does not remain in effect. involved part, and
j. travel restrictions imposed for a certain area by
governmental authority;

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k. Financial Insolvency of the person, organization Benefits for loss of life will be paid to your estate, or if no If you are involved in an Air Flight Accident which results in
or firm from whom you directly purchased or paid estate, to your beneficiary within 60 days following receipt the sinking or wrecking of a conveyance in which you were
for your Trip, Financial Insolvency which occurred, of written due Proof of Loss. All other benefits are paid riding and your body is not located within one year of such
or for which a petition for bankruptcy was filed by directly to you, unless otherwise directed. In the event Air Flight Accident, it will be presumed that you suffered
a travel supplier, before your effective date for the you assign your benefits under this Policy to another party, loss of life resulting from Injury caused by the Air Flight
Trip Cancellation Benefits, or Financial Insolvency any and all claim benefits will be distributed accordingly. Accident.
which occurs within 14 days following your Any accrued benefits unpaid at your death will be paid to
effective date for the Trip Cancellation Benefits; your estate, or if no estate, to your beneficiary. If you have Exclusions
assigned your benefits, we will honor the assignment if We will not pay for loss caused by or resulting from:
l. Pandemic and/or Epidemic; 1. Sickness of any kind;
it has been filed with us. We are not responsible for the
m. a loss that results from an illness, disease, or other validity of any assignment. 2. service in the armed forces of any country;
condition, event or circumstance which occurs at a 3. an accident which occurred prior to departure on
time when coverage is not in effect for you; TRAVEL INSURANCE IS UNDERWRITTEN BY
your trip.
n. any issue or event that could have been Generali US Branch
T001BR01.01NY (04/12) AH02
reasonably foreseen or expected when you Policy Form series T001
purchased the coverage.
WHERE TO PRESENT A CLAIM BAGGAGE COVERAGE
CLAIMS PROVISIONS All claims should be presented to the Program
Administrator: We will reimburse you, up to the amount shown in
Notice of Claim the Schedule, less any amounts payable under your
CSA Travel Protection homeowners or renters insurance, for direct loss, theft,
We must be given written notice of claim within 90 days P. O. Box 939057
after a covered loss occurs. If notice cannot be given within damage or destruction of your Baggage, passports or visas
San Diego, CA 92193-9057 during your Trip, provided you have taken reasonable
that time, it must be given as soon as reasonably possible.
Notice may be given to us or to our authorized agent. (800) 541-3522 (Toll-Free) steps to protect your Baggage against loss, theft, damage
Notice should include the claimants name and sufficient T001TC01.01NY (04/12) AH11 and destruction. Under this coverage, we will also provide
information to identify him or her. benefits for the administrative fees to reissue lost, stolen
or damaged tickets, visas or passports. We will also pay
ACCIDENTAL DEATH AND DISMEMBERMENT AIR for loss due to unauthorized use of your credit cards, if you
Proof of Loss FLIGHT ACCIDENT
Written Proof of Loss must be sent to us within 120 have complied with all of the credit card conditions imposed
days after the date the loss occurs. We will not reduce We will pay this benefit, up to the amount on the Schedule, by the credit card companies.
or deny a claim if it was not reasonably possible to give if you are injured in an Air Flight Accident, which occurs Valuation and Payment of Loss
us written Proof of Loss within the time allowed. In any while you are on a Trip, and covered under the Policy, and
event, you must give us written Proof of Loss within twelve you suffer one of the losses listed below within 365 days Payment of loss under the Baggage Benefit will be
(12) months after the date the loss occurs unless you of the Air Flight Accident. The principal sum is the benefit calculated based upon an Actual Cash Value basis. For
aremedically or legally incapacitated. amount shown in the Schedule. items without receipts, payment of loss will be calculated
based upon 75% of the Actual Cash Value at the time of
Your Duty to Cooperate Loss: Percentage of Principal Sum Payable: loss. At our option, we may elect to repair or replace your
You must provide us with receipts, proof of payment, Baggage.
Life. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100%
medical authorizations, or other records and documents we We may take all or part of damaged Baggage as a
may reasonably require concerning your claim. Failure or Both Hands; Both Feet and Sight of Both Eyes . . . 100%
condition for payment of loss. In the event of a loss to a
refusal to cooperate may delay or impede the resolution of One Hand and One Foot. . . . . . . . . . . . . . . . . . . . . 100% pair or set of items, we will:
the your claim.
One Hand and Sight of One Eye. . . . . . . . . . . . . . . 100% 1. repair or replace any part to restore the pair or set to
Physical Examination and Autopsy its value before the loss; or
At our expense, we have the right to have you examined One Foot and Sight of One Eye . . . . . . . . . . . . . . . 100%
2. pay the difference between the value of the property
as often as necessary while a claim is pending. At our One Hand; One Foot or Sight of One Eye. . . . . . . . . 50% before and after the loss.
expense, we may require an autopsy unless the law or your
religion forbids it. If you suffer more than one loss from one Air Flight Continuation of Coverage
Accident, we will pay only for the loss with the larger If the covered Baggage, passports or visas are in the
Legal Actions benefit. Loss of a hand or foot means complete severance custody of a Common Carrier, and delivery is delayed, this
No legal action may be brought to recover on the Policy at or above the wrist or ankle joint. Loss of sight of an eye coverage will continue until the property is delivered to you.
within 60 days after written Proof of Loss has been given. means complete and irrecoverable loss of sight. This continuation of coverage does not include loss caused
No such action will be brought after three years from the by or resulting from the delay.
time written Proof of Loss is required to be given. Exposure and Disappearance
If by reason of an Air Flight Accident covered by the Policy, Items Not Covered
Payment of Claims you are unavoidably exposed to the elements and as a We will not pay for damage to or loss of:
Benefits under this Policy are payable not more than 60 result of such exposure suffer a loss for which benefits are
days after receipt of prope Proof of Loss. otherwise payable; such loss shall be covered hereunder. 1. animals; or
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2. Business Equipment, household furniture, musical is delayed for 24 hours or more during your Trip. We will a Covered Event, we will reimburse you for the cost to
instruments, brittle or fragile articles; or reimburse you up to the amount shown in the Schedule reinstate your miles to your account, up to the amount in
3. boats, motors, motorcycles, motor vehicles, aircraft, for expenses incurred during your Trip to locate/track your the schedule.
and other conveyances or equipment, or parts for delayed Baggage, and to retrieve your delayed Baggage
or to have your delayed Baggage delivered to you. We Should you elect to reschedule your Trip arrangements
such conveyances; or instead of cancelling due to a Covered Event, in lieu of
4. artificial limbs or other prosthetic devices, artificial will also reimburse you for the cost to launder your clothing
during the time your Baggage is delayed. providing benefits for the forfeited, prepaid, non-refundable,
teeth, dental bridges, dentures, dental braces, non-refunded and unused published Payments, we will
retainers or other orthodontic devices, hearing aids, Limitations pay for change fees charged by your supplier(s), up to the
any type of eyeglasses, sunglasses or contact This coverage terminates when your Baggage is retrieved amount in the schedule.
lenses; or or returned to you, or upon your arrival at the return
5. documents or tickets (except for administrative fees In the event there is a change in the per person occupancy
destination of your Trip, whichever occurs first. rate for your pre-paid arrangements as a result of a
required to reissue tickets, as noted above); or T001BR04.01NW (05/11) Traveling Companion canceling his or her Trip due to an
6. money, stamps, stocks and bonds, postal or money unforeseeable Covered Event when you do not cancel, we
orders, securities, accounts, bills, deeds, food TRAVEL DELAY COVERAGE will reimburse you for additional costs above the original
stamps or credit cards, except as noted above; or invoiced and pre-paid charge for your booking, up to the
7. property shipped as freight or shipped prior to the If you are delayed on your Trip for 12 hours or more, we will amount in the schedule, for accommodations during the
Scheduled Departure Date; or reimburse you, up to the amount shown in the Schedule Trip as a result of the change.
8. telephones, computer hardware or software; or for reasonable additional expenses incurred by you for
lodging Accommodations, meals, telephone calls, local Covered Events:
9. consumables, medicines, perfumes, cosmetics and transportation, and additional vehicle parking charges and 1. The Sickness, Injury or death of you, your Family
perishables; or additional pet kennel fees incurred due to the delay. We will Member, your Traveling Companion or your Service
10. items seized by any government, government official not pay benefits for expenses incurred after travel becomes Animal. The Sickness or Injury must first commence
or customs official; or possible. while your coverage is in effect under the Policy,
11. illegal drugs and contraband. must require the in-person treatment by a Physician,
Travel Delay must be caused by or result from: and must be so disabling in the written opinion
Losses Not Covered a. delay of a Common Carrier; or of a Physician as to prevent you from taking your
We will not pay for loss arising from: Trip (either because your condition prevents your
b. loss or theft of your passport(s), travel documents travel, or because your Family Member, Traveling
1. defective materials or craftsmanship; or or money; or Companion or your Service Animal requires your
2. normal wear and tear, gradual deterioration, inherent c. Quarantine; or care);
vice; or
d. hijacking; or 2. Common Carrier delays and/or cancellations
3. rodents, animals, insects or vermin; or resulting from adverse weather, mechanical
4. mysterious disappearance; or e. natural disaster or adverse weather; or breakdown of the aircraft, ship, boat or motor coach
5. electrical current, including electric arcing that f. being directly involved in a documented traffic that you were scheduled to travel on, or organized
damages or destroys electrical devices or accident while you are en route to departure; or labor strikes that affect public transportation;
appliances. g. unannounced strike; or 3. Being directly involved in a documented traffic
Your Duties in the Event of a Loss h. a civil disorder; or accident while en route to departure on your Trip;
In case of loss, theft or damage to Baggage, you must: 4. Being hijacked or Quarantined;
i. Sickness or Injury of you or a Traveling
Companion; or 5. Being required to serve on a jury, or required by a
1. immediately report the incident to the hotel manager, court order to appear as a witness in a legal action
tour guide or representative, transportation official, j. death of a Traveling Companion. provided you, a Family Member or a Traveling
local police or other local authorities and obtain their T001BR13.01NY (12/11) Companion is not a party to the legal action or
written report of your loss; and appearing as a law enforcement officer;
2. take reasonable steps to protect your Baggage from 6. Your Home made Uninhabitable by fire, flood,
further damage, and make necessary, reasonable TRIP CANCELLATION BENEFIT
volcano, earthquake, hurricane or other natural
and temporary repairs. We will reimburse you for Benefits will be paid, up to the amount in the Schedule, for disaster;
these expenses. We will not pay for further damage if the forfeited, prepaid, non-refundable, non-refunded and
you fail to protect your Baggage. 7. A documented theft of your passports or visas;
unused published Payments that you paid for your Trip, if
you are prevented from taking your Trip due to one of the 8. A mandatory evacuation (or public official evacuation
T001BR03.01NY (12/11) advisement in geographic areas where no mandatory
following unforeseeable Covered Events that occur before
departure on your Trip to you or your Traveling Companion, evacuation orders are issued by government
BAGGAGE DELAY COVERAGE authorities) at your destination due to adverse
while your coverage is in effect under this Policy.
weather or natural disasters. We will only pay
We will reimburse you, up to the amount shown in the In the event you used frequent flyer miles to arrange benefits for losses occurring within 30 calendar days
Schedule, for the cost of reasonable additional clothing air transportation for this Trip, and you cancel due to after the evacuation order is issued. In order to
and personal articles purchased by you, if your Baggage
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cancel your Trip, you must have 4 days or 50% of TRIP INTERRUPTION BENEFIT 6. Your Home made Uninhabitable by fire, flood,
your total Trip length or less remaining at the time the volcano, earthquake, hurricane or other natural
mandatory evacuation ends; If your arrival on your Trip is delayed beyond your disaster;
Scheduled Departure Date, or if you are unable to continue
9. Being called into active military service to provide aid the Trip due to one of the unforeseeable Covered Events 7. A documented theft of your passports or visas;
or relief in the event of a natural disaster; listed below that occur during your Trip dates to you or 8. A mandatory evacuation (or public official evacuation
10. A Terrorist Act which occurs in your Scheduled your Traveling Companion, we will reimburse you for advisement in geographic areas where no mandatory
Trip Departure City or in a city to which you are the unused, non-refundable land or water arrangements evacuation orders are issued by government
scheduled to travel while on your Trip, and which prepaid to the Travel Supplier prior to departing on your authorities) at your destination due to adverse
occurs within 30 days of your Scheduled Departure Trip, less any refunds paid or payable, plus one of the weather or natural disasters. We will only pay
Date, provided the city has not experienced a following: benefits for losses occurring within 30 calendar
Terrorist Act in the past 30 days prior to the effective days after the evacuation order is issued. In order to
date of your coverage; a. Additional transportation expenses incurred to receive benefits under this coverage to remain home
11. The school where you attend must extend its reach your scheduled destination if your departure or to return home when the mandatory evacuation
operating session beyond its predefined school year is delayed and you leave after the Scheduled ends, you must have 4 days or 50% of your total Trip
due to unforeseeable events commencing during Departure Date and time; or length or less remaining on your Trip at the time the
the coverage effective period. The school year b. Additional transportation expenses incurred for mandatory evacuation ends.
extension dates must fall in your Trip dates in order you to reach the final return destination of your 9. Being called into active military service to provide aid
for this coverage to be available. Extensions due to Trip; or or relief in the event to of a natural disaster;
extra-curricular or athletic events are not covered; c. Additional transportation expenses incurred to 10. A Terrorist Act which occurs in your departure city or
12. Being required to take an academic examination on rejoin the Trip in progress from the point where in a city to which you are scheduled to travel while
a date that has been fixed after your coverage was you interrupted your Trip. on your Trip, and which occurs within 30 days of your
purchased, and the examination date falls within your We will also provide reimbursement for unused air Scheduled Departure Date, provided the city has not
Trip dates; arrangements, less any refunds paid or payable, provided experienced a Terrorist Act in the 30 days prior to the
13. Being unable to undergo a vaccination or inoculation, that these are not flights scheduled to travel to your Trip effective date of your coverage;
due to a medical reason, that is announced and destination or flights scheduled to your origin of departure 11. The school where you attend must extend its
published as required for entry into a country of on your Trip, and provided that these are not flights within operating session beyond its predefined school year
destination after the effective date of your coverage. 24 hours of your Scheduled Departure Date or Scheduled due to unforeseeable events commencing during the
The vaccination or inoculation must be unannounced Return Date. Policy effective period. The school year extension
and unpublished to the public at the time your dates must fall in your Trip dates in order for this
coverage is purchased; Covered Events: coverage to be available. Extensions due to extra-
14. Receiving official notification of an organ match 1. The Sickness, Injury or death of you, your Family curricular or athletic events are not covered;
available for immediate transplant, provided the Member, your Service Animal or your Traveling 12. Being required to take an academic examination on
transplant is considered medically necessary, the Companion. The Sickness or Injury must first a date that has been fixed while on your Trip, and the
notification is received while coverage is in effect, commence while your Trip Interruption coverage examination date falls within your Trip dates;
and in the written opinion of the Physician the is in effect under the Policy, must require the in-
person treatment by a Physician, and must be so 13. Being unable to undergo a vaccination or inoculation,
transplant surgery and/or recovery is so disabling as due to a medical reason, that is announced and
to prevent you from taking the Trip; disabling in the written opinion of a Physician as to
prevent you from taking your Trip (either because published as required for entry into a country of
15. Receiving a court-issued notice to attend an your condition prevents your travel, or because destination while on your Trip. The vaccination or
Adoption Proceeding, provided you are not attending your Family Member, Traveling Companion or your inoculation must be unannounced and unpublished
as a condition of your employment and provided Service Animal requires your care); to the public at the time your coverage is purchased;
the person being adopted is not you, your Traveling 14. Receiving official notification of an organ match
Companion or your Family Member. The date of the 2. Common Carrier delays and/or cancellations
resulting from adverse weather, mechanical available to you for immediate transplant, provided
scheduled Adoption Proceeding must be announced the transplant is considered medically necessary,
while your coverage is in effect and must be during breakdown of the aircraft, ship, boat or motor coach
that you were scheduled to travel on, or organized the notification is received while you are on your
your Trip dates; Trip, and in the written opinion of the Physician the
labor strikes that affect public transportation;
16. Receiving notice that your Adoption Proceeding transplant surgery and/or recovery is so disabling as
or adoption arrangements have been cancelled or 3. Being directly involved in a documented traffic to prevent you from continuing on your Trip;
terminated, provided your Trip was for the purpose accident while en route to departure on your Trip;
15. Receiving a court-issued notice to attend an
of executing the adoption and provided the Adoption 4. Being hijacked or Quarantined; Adoption Proceeding, provided you are not attending
Proceeding or adoption arrangement was confirmed 5. Being required to serve on a jury, or required by a as a condition of your employment and provided
prior to your effective date. court order to appear as a witness in a legal action the person being adopted is not you, your Traveling
This coverage is subject to the General Exclusions. provided you, a Family Member or a Traveling Companion or your Family Member. The date of the
Companion is not a party to the legal action or scheduled Adoption Proceeding must be during your
T001BR14.01NY (12/11) appearing as a law enforcement officer; Trip dates;

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16. Receiving notice that your Adoption Proceeding
or adoption arrangements have been cancelled or
terminated, provided your Trip was for the purpose of
executing the adoption.
Limitations
Benefits payable for additional transportation expenses will
not exceed the cost of airfare (the same class airfare on
which you were originally booked) by the most direct route,
less any refunds paid or payable.
This coverage is subject to the General Exclusions.
T001BR17.01NY (12/11)

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