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SCHEDULE OF BENEFITS

Part A - TRAVEL PROTECTION

Trip Cancellation/Trip Interruption:
The Insurer will pay a benefit, up to the maximum shown on the Schedule of Coverage and Services, if You are prevented from taking Your covered Trip due to
the following Unforeseen events:

	Sickness, Accidental Injury, or death of You, Your Traveling Companion, or Family Member, or Business Partner of You or Your Traveling Companion; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
	Strike that causes complete cessation of services for at least 48 consecutive hours.
	Weather which causes complete cessation of services of Your Common Carrier for at least 48 consecutive hours.
	You are terminated or laid off from employment subject to three years of continuous employment at the place of employment where terminated.
	Hijacked, quarantined, required to serve on a jury, required to appear as a witness in a legal action, provided You or a Traveling Companion is not a party to the legal action or appearing as a law enforcement officer, subpoenaed, the victim of felonious assault within 10 days of departure; or having Your principal place of residence made uninhabitable by fire, flood, or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure;
	If within 30 days of Your departure,, a politically motivated Terrorist Attack occurs within the territorial limits of the City listed on Your itinerary. The Terrorist Attack must occur after the Effective Date of Your Trip Cancellation coverage. This coverage only applies if the protection plan was purchased within 10 calendar days of initial Trip payment.
	You or Your Traveling Companion who are military personnel, and are called to emergency duty for a disaster other than war.
	You or Your Traveling Companion being directly involved in a traffic Accident substantiated by a police report, while en route to departure.
	The death or hospitalization of Your Host at Destination;
	Adverse weather or Natural Disaster resulting in the obstruction of public roadways, or curtailment of public transportation, which prevents Your ability to arrive at Your destination causing you to lose 50% or more of Your scheduled Trip.

Trip Cancellation:
non-refundable cancellation charges imposed by Your Travel Supplier and/or airfare cancellation charges for flights joining or departing Your Land/Sea Arrangements; or the additional costs You may incur as a result of a change in the perperson occupancy rate of prepaid travel arrangements if a person booked to share accommodations with You cancels his/her Trip for a covered reason and You do not cancel.

Trip Interruption:
unused, non-refundable land or sea expenses prepaid to Travel Supplier and/or the airfare paid, to return home or rejoin the original Land/Sea Arrangements (limited to the cost of one-way Economy Fare by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets) less the value of applied credit from an unused return travel ticket; or the additional costs You may incur as a result of a change in the per-person occupancy rate of prepaid travel arrangements if a person booked to share accommodations with You cancels his/her Trip for a covered reason and You do not cancel.

In no event shall the amount reimbursed exceed the lesser of; the amount You pre-paid for Your Trip, or the maximum benefit shown on the Schedule of Coverage and Services.

Trip Delay:
Trip Delay coverage will be on a one time basis if You are delayed 12 or more hours. If You experience a covered delay, You are eligible for up to the maximum shown on the Schedule of Coverage and Services, for reasonable, additional accommodations and travel expenses. Covered reasons for travel delay are: Carrier caused delay (including Inclement Weather); You or Your Traveling Companion being delayed by a traffic accident while en-route to a departure, in which You or Your Traveling Companion is directly or not directly involved; lost or stolen passports, money, or travel documents;
quarantine; hijacking, unannounced Strike; or, adverse weather or Natural Disaster resulting in the obstruction of public roadways, or curtailment of public transportation, which prevents Your ability to arrive at Your Land/Sea Arrangements.


Part B - MEDICAL PROTECTION

Emergency Accident and Sickness Medical Expense:
The Insurer will pay benefits up to the maximum shown on the Schedule of Coverage and Services, if You incur Covered Medical Expenses for Emergency Medical Treatment as a result of an Accidental Injury which occurs on the covered Trip or a Sickness which first manifests itself during the covered Trip. You must receive Emergency Treatment while on the covered Trip.

Emergency Treatment means necessary medical treatment, including services and supplies, which must be performed during the Covered Trip due to the serious and acute nature of the Accidental Injury or Sickness.

Covered Medical Expenses are necessary services and supplies which are recommended by the attending Physician. They include, but are not limited to: the services of a Physician; charges for Hospital confinement and use of operating rooms; charges for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests; ambulance service; and drugs, medicines, prosthetic and therapeutic services and supplies.

The Insurer will not pay benefits in excess of the reasonable and customary charges. Reasonable and customary charges mean charges commonly used by Physicians in the locality in which care is furnished. The Insurer will not cover any expenses provided by another party at no cost to You or already included within the cost of the Trip.

The Insurer will pay benefits, up to $750.00, for emergency dental treatment for Accidental Injury to sound natural teeth. The Insurer will advance payment to a Hospital, up to the maximum shown on the Schedule, if needed to secure the Insured’s admission to a Hospital because of Accidental Injury or Sickness.

Emergency Evacuation:
The Insurer will pay, subject to the limitations set out herein, for Covered Emergency Evacuation Expenses reasonably incurred if You suffer an Injury or Emergency Sickness that warrants Your Emergency Evacuation while You are on a Trip. Benefits payable are subject to the Maximum Amount per person shown on the Schedule for all Emergency Evacuations due to all Injuries from the same Accident or all Emergency Sicknesses from the same or related causes.

A legally licensed Physician, in coordination with the Assistance Company, must order the Emergency Evacuation and must certify that the severity of Your Injury or Emergency Sickness warrants Your Emergency Evacuation to the closest adequate medical facility. It must be determined that such Emergency Evacuation is required due to the inadequacy of local facilities. The certification and approval for Emergency Evacuation must be coordinated through the most direct and economical conveyance and route possible, such as air or land ambulance, or commercial airline carrier.

Covered Emergency Evacuation Expenses are those for Medically Necessary Transportation, including Reasonable and Customary medical services and supplies incurred in connection with Your Emergency Evacuation. Expenses for Transportation must be: (a) recommended by the attending Physician; and (b) required by the standard regulations of the conveyance transporting You and (c) reviewed and pre-approved by the Assistance Company; The Insurer will also pay reasonable and customary charges, up to the maximum escort limit shown on the policy, for escort expenses required by You, if You are disabled during a Trip and an escort is recommended in writing, by the Insurer's attending Physician and must be pre-approved by the Assistance Company.

If You are hospitalized for more than 7 days following a Covered Emergency Evacuation Expense, the Insurer will pay subject to the limitations set out herein, for expenses:

	to return to the United States where they reside, with an attendant if necessary, any of Your Dependent Children who were accompanying You when the Injury or Emergency Sickness occurred; but not to exceed the cost of a single one-way economy airfare ticket less the value of applied credit from any unused return travel tickets per person.
	to bring one person chosen by You to and from the Hospital or other medical facility where You are confined if You are alone; but not to exceed the cost of one round-trip economy airfare ticket.
	to return You from the medical facility to which You were evacuated to Your return destination via Common Carrier, within one year from Your original Trip completion date. Commercial airfare costs will be in the same class of service, as Your original airline tickets, or in business or first class as in compliance to Your medical necessities and requirements upon the discharge, less refunds from Your unused transportation tickets.

	Suicide, attempted suicide, or any intentionally self-inflicted Injury while sane or insane (in Missouri, sane only) committed by You or Your Traveling Companion;
	War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war; Participation in any military maneuver or training exercise;
	Participating in bodily contact sports; skydiving; hang gliding; parachuting; mountaineering; any race; bungee cord jumping; scuba diving, extreme skiing, and speed contest;
	Participation as a professional in athletics;
	Piloting or learning to pilot or acting as a member of the crew of any aircraft;
	Being under the influence of drugs or intoxicants unless prescribed by a Physician;
	Commission or the attempt to commit a criminal act by the You or Your Traveling Companion.
	Pregnancy and childbirth (except for Complications of Pregnancy)
	Dental treatment except as a result of Accidental Injury to sound, natural teeth within twelve (12) months of the Accidental Injury;
	Pre-Existing Conditions; unless the policy is purchased within 10 days of the initial Trip deposit; and for the full non-refundable cost of Your trip and the booking for the covered Trip must be the first and only booking for this travel period and destination and You are not disabled from travel at the time You pay the premium.
	Mental or emotional disorders, unless hospitalized.

	“Accident” means a sudden, unexpected, unusual, specific event which occurs at an identifiable time and place, but shall also include exposure resulting from a mishap to a conveyance in which You are traveling.
	“Accidental Injury” means Bodily Injury caused by an Accident (of external origin) being the direct and independent cause in the loss.
	“Actual Cash Value” means purchase price less depreciation. 4) “Assistance Company” means the service provider with which the Insurer has contracted to coordinate and deliver emergency travel assistance, medical evacuation, and repatriation
	“Baggage” means luggage and personal possessions, whether owned, borrowed, or rented, taken by You on Your Trip. 6) “Bodily Injury” means identifiable physical Injury which: (a) is caused by an Accident, and (b) solely and independently of any other cause, except illness resulting from, or medical or surgical treatment rendered necessary by such Injury, is the direct cause of death or dismemberment of You within twelve months from the date of the Accident.
	“Business Partner” means an individual who: (a) is involved in a legal partnership; and (b) is actively involved in the day-to-day management of the business.
	“City” means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas, or airspace.
	“Common Carrier” means any land, sea, and/or air conveyance operating under a license for the transportation of passengers for hire.
	“Complication of Pregnancy” means a condition whose diagnosis is distinct from pregnancy but is adversely affected or caused by pregnancy.
	“Cruise” means any prepaid sea arrangements.
	“Dependent Child(ren)” means Your child (or children), including an unmarried child, stepchild, legally adopted child or foster child who is: (1) less than age 19 and primarily dependent on You for support and maintenance; or (2) who is at least age 19 but less than age 23 and who regularly attends an accredited school or college; and who is primarily dependent on You for support and maintenance;
	“Domestic Partner” means a person, at least 18 years of age, with whom You have been living in a spousal relationship with evidence of cohabitation for at least 10 continuous months prior to the Effective Date of coverage.
	“Economy Fare” means the lowest published rate for a one-way ticket.
	“Effective Date” means the date and time Your coverage begins, as outlined in the General Provisions section of this policy.
	“Family Member” means You or Your Traveling Companion’s legal or common law spouse, Domestic Partner, parent, legal guardian, step-parent, grandparent, parents-in-law, grandchild, natural or adopted child, foster child, ward, step-child, children-in-law, brother, sister, step-brother, step-sister, brother-in-law, sister-in-law, aunt, uncle, niece, or nephew.
	“Host at Destination” means a person with whom You are sharing pre-arranged overnight accommodations at the host’s usual principal place of residence.
	“Inclement Weather” means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier.
	“Injury” means Bodily Injury caused by an Accident occurring while this policy is in force, and resulting directly and independently of all other causes in loss covered by the policy. The Injury must be verified by a Physician.
	“The Insurer” means Arch Insurance Company.
	“Land/Sea Arrangements” means land and/or sea arrangements booked through the Travel Supplier.
	“Medically Necessary” means that a treatment, service, or supply: (1) is essential for diagnosis, treatment, or care of the Injury or Sickness for which it is prescribed or performed; (2) meets generally accepted standards of medical practice; and (3) is ordered by a Physician and performed under his or her care, supervision, or order.
	“Natural Disaster” means flood, fire, hurricane, tornado, earthquake, volcanic eruption, blizzard or avalanche that is due to natural causes.
	“Pre-Existing Condition” means any Injury, Sickness or condition of Yourself, a Traveling Companion or a Family Member for which medical advice, diagnosis, care or treatment was recommended or received with the 180-day period ending on the Effective Date. Conditions are not considered pre-existing if the condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription.
	“Physician” means a licensed practitioner of medical, surgical, or dental services acting within the scope of his/her license. The treating Physician may not be Yourself, a Traveling Companion, or a Family Member.
	“Scheduled Departure Date” means the date on which You are originally scheduled to leave on the Trip.
	“Scheduled Return Date” means the date on which You are originally scheduled to return to the point of origin or to a different final destination.
	“Sickness” means illness or disease which is diagnosed and treated by a Physician on or after the Effective Date of the protection plan and while You are covered under this plan.
	“Strike” means any unannounced labor disagreement that interferes with the normal departure and arrival of a Common Carrier.
	“Terrorist Attack” means an incident deemed an act of terrorism by the U.S. government.
	“Travel Supplier” means tour operator, Cruise line, hotel, etc., who has made the land and/or sea arrangements.
	“Traveling Companion” means a person who is sharing travel arrangements with You. Note, a group or tour leader is not considered a Traveling Companion unless You are sharing room accommodations with the group or tour leader.
	“Trip” means prepaid Land/Sea Arrangements and shall include flight connections to join and depart such Land/Sea Arrangements, provided such flight connections are scheduled to commence within one (1) day of the Land/Sea Arrangements.
	"Unforeseen" means not anticipated or expected and occurring after the Effective Date of the policy.
	“Used” means to avail oneself of, to employ, to expend or consume, or to convert to one’s service.
	“You,” “Your,” or “the Insured” means a person who has purchased a Trip and who has paid the required plan cost for the protection plan provided herein.

	Medical Evacuation • Medically necessary Repatriation
	Repatriation of remains • Medical or legal referral
	Hospital admission guarantee • Translation service
	Lost Baggage retrieval • Inoculation information
	Passport / visa information • Emergency cash advance*
	Prescription drug / eyeglass replacement* • Bail bond

	The Trip Cancellation Benefit takes effect at 12:01 a.m. the day after the receipt of the appropriate plan cost that covers the full cost of Your Trip.
	All other Coverage take effect at 12:01 a.m. local time at Your location on the departure date of Your Trip.
	All Coverage shall terminate on the earlier of the following dates: (a) Your return to the origination point as specified in the travel tickets; (b) 11:59 p.m. local time at Your location on the date Your Trip is completed.
	If You extend the return dates, all Coverage will terminate at 11:59 p.m. local time at Your location on the date originally Scheduled Return Date.