EFTA00317266.pdf

Letter Of Confirmation August 28. 2014 Global Assistance Name: Ka na Shuliak Policy No.: Karyna Shuliak Emergency Assistance Card For emergency assistance during your trip call: 1.800.949.6201 1.804281.5700 Dear Karyna Shuliak, (From U.S.) (Outside U.S. /Collect) Thank you for choosing us to protect your travel investment. For benefit information call: 1.800.949.6201 Please make sure you read this Letter of Confirmation, your enclosed Certificate of (From U.S.) Insurance/Policy. and any other attached documents, including riders or other forms carefully. Because the Certificate of Insurance/Policy may describe coverage To modify your policy or file a claim, please visit: not included in your plan, be sure to look at all of the documents to understand your www.allianztravelinsurance.com specific coverage. Contact us immediately if you think there is a mistake in your Letter of Confirmation. P. O. Box 72031. Richmond. VA 23255-2031 What Your Plan Includes Information about your plan Your plan includes the following coverage, up to the limits Name of your plan: Annual Executive Plan shown. Please see your Certificate/Policy for information about Policy identification number. how our insurance works. Type of order: Phone Benefit Coverage Limits* Baggage Coverage $1,000.00" Number of people insured: 1 Baggage Delay Coverage $1,000.00" Who it insures: Karyna Shuliak Business Equipment Coverage $1,000.00" Date of purchase: August 28, 2014 Business Equipment Rental Coverage $1,000.00" Plan effective date: September 5. 2014 - September 5. 2015 Collisionloss Damage Insurance S45,000.00' Change Fee Coverage S250.00' Total cost: $459.00 Concierge 24-Hour Hotline Assistance Emergency Medical Transportation $250,000.00" Thanks again for purchasing a travel insurance plan from us. Have a safe and Emergency Medical and Dental S50,000.00' pleasant trip! $5,000.00" Trip Cancellation Protection Travel/Trip Delay Coverage $1,500.00" Sincerely, Dairy emit $150.00. Trip Interruption Protection $5,000.00" Travel Accident Coverage $100,000.00' 'USD per person unless noted °therms° Mark Henson Please Note Vice President of Travel Operations • Emergency Medical and Dental Benefits are secondary and there is no deductible. • Collision, loss or damage benefits and coverage limits We will refund your insurance premium if you cancel your insurance are per policy. within 10 days of purchase and have not filed a claim or departed on • There is a $500 maximum for all covered dental your trip. expenses. • AGA Service Company is the licensed producer and To modify your policy or file a claim, please visit administrator of this plan. www.allianztravelinsurance.com. ht. Insurance coverage is provided under Form No. 52.201 series or 52.401 series issued by BCS Insurance Company. How can we help? EFTA00317266 A53V2_B ' ANNL2_NY_D ' BCSPRIVNOT " EFTA00317267  INSURING CLAUSE Part I. EFFECTIVE DATE BCS Insurance Company. herein referred to as the Company, Coverage Term: The Coverage Term shall start at 12:01 A.M. will pay You the insurance benefits described in this Policy. on the date shown in Your Letter of Confirmation, subject to Allianz Travel Insurance This Policy and attached Riders, if any, are issued in payment of the premium due. The Coverage Term ends at consideration of the statements in the enrollment form and the 12:01 A.M. on the 366th day after the date the Coverage Term payment of the initial premium. Please refer to the starts, except as stated in the Extension of Coverage Provision accompanying Letter of Confirmation. It provides You with or if renewed for another annual term. Individual Travel specific information about the plan You purchased. Please Effective Date: The Trip Cancellation coverage is in effect for contact Us immediately if You believe that the Letter of each Trip made during the Coverage Term. The other Insurance Policy Confirmation is incorrect. *Indicates insurance coverage provided under this Policy and coverages are in effect during each Trip made during the Coverage Term, effective on or after each Trip's Scheduled underwritten by BCS Insurance Company. Departure Date and upon You leaving Your residence, place of employment, lodging or other location from which You RENEWAL CONDITIONS directly start Your Trip. FOR SERVICE, VISIT OR CALL: This Policy is issued for a single term as stated in the Letter of Notwithstanding, no coverage is in effect for any Trip that is www.allianztravelinsurance.com Confirmation and may be renewed for subsequent Coverage made by mass transit, taxi, limousine service, personal Terms. automobile, bus, commuter rail or airline service, including 1-800-284-8300 inter-urban rail service by Amtrak unless the Trip is scheduled: SATISFACTION GUARANTEE 1. To take You at least 100 miles from Your residence, Within 10 days of purchasing the plan, We will process a full place of employment, lodging or other location from which FOR EMERGENCY ASSISTANCE refund of premium to You, as long as You have not already You directly start Your Trip: and DURING YOUR TRIP CALL: departed on Your Trip or filed a claim. No refunds shall be paid 2. The scheduled Trip must not exceed 45 days length at to You after 10 days of purchasing the plan. the time of booking. 1.800.654-1908 PLEASE READ THIS POLICY CAREFULLY FOR FULL Part II. TERMINATION DATE (From U.S.) DETAILS. This Policy is a legal contract. The entire contract is Termination of Coverage for a Trip: Subject to the Extension made up of the Policy and any Riders attached to it. of Coverage provision, all coverages with respect to a given 1.804-281-5700 Trip end subject to the Extension of Coverage provision below, (Collect) PLAN FEATURES on the earliest of: TABLE OF CONTENTS 1. Your arrival at Your residence, place of employment, Part I. Effective Date lodging or other location at Your return destination to Part II. Termination Date which You go directly following Your Trip; Part III. General Exclusions 2. Your return date; Part IV. Description of Travel Insurance Benefits 3. Cancellation of the Trip for reasons other than those Part V. General Provisions Related to Insurance Benefits covered under the Policy: Part VI. Claim Filing Procedures 4. 12:01 A.M. on the 121st day after the date You started Part VII Definitions Your Trip; or 5. At 12:01 A.M. on the 366th day after the Coverage Term starts. 4,• Signed for BCS Insurance Company, 2 MidAmerica Plaza, Extension of Coverage for a Trip: All coverages will be Suite 200. Oakbrook Terrace. IL 60181. extended with respect to a given Trip provided: .••••• • BCS .4s BCS Insurance CornarY / 1FLIAIL ANI II PRESIDENT SECRETARY 1. Your entire Trip falls within a Coverage Term: and 2. Your retum is delayed by unforeseeable circumstances beyond Your control. Allianz Global Assistance and Allianz Travel Insurance branded plans are underwritten by BCS Insurance Company. AGA Service Company is the licensed producer for this plan. Form 52.201NY 02014 AGA Service Company ANNL2 NY D Page 1 EFTA00317268 If coverage is extended for the above reason, coverage will high altitude activities, caving, heli-skiing, extreme skiing, These plans do not cover You: end on the ea dier of: or any skiing outside marked trails; 1. If the purpose of the travel is to receive medical care, 1. Your arrival at Your residence, place of employment, 8. Scuba diving (unless accompanied by a dive master and medication or treatment; lodging or other location at the return destination to which not deeper than 130 feet); 2. If the stated Trip departure and return dates do not reflect the insured directly goes following the Trip: or 9. Operating or learning to operate any aircraft as pilot or Your intended departure and return dates; 2. Seven days after the return date. crew; 3. If the tickets do not indicate the travel dates: Termination of Annual Coverage: Premium is paid on an 10. Nuclear reaction, radiation or radioactive contamination; 4. If You give incorrect data or facts; or annual basis. Your insurance will continue in effect until 12:01 11. Natural disasters (unless as specifically covered); 5. If the loss is not submitted to Us within 90 days from the A.M. on the 366th day after the date of the Coverage Term 12. Epidemic; date of loss, except as otherwise prohibited by law. starts as shown in Your Letter of Confirmation. The insurance 13. Pollution or threat of pollutant release; will continue for subsequent annual terms, subject to timely 14. Any unlawful acts committed by You, Family Members, or PRE-EXISTING CONDITIONS EXCLUSION payment of premium. You may terminate this plan by giving Us Traveling Companions, whether they are insured or not; This exclusion applies to Trip Cancellation and Interruption 31 days advanced written notice. We will refund any unearned or Protection. Emergency Medical and Dental Benefits, and to premium. 15. Any expected or reasonably foreseeable events. those Travel Assistance Services related to medical problems. The plan does not cover losses or expenses if they result Part III. GENERAL EXCLUSIONS For all Accident and Health benefits: from a Pre-existing Condition. Inland Marine benefits are considered to be Baggage 1. Intentionally self-inflicted harm, suicide or attempted For the purposes of determining any Pre-existing Conditions, Coverage. Baggage Delay Coverage, Travel Delay Coverage, suicide, by You, a Traveling Companion or a Family the effective date of Your insurance will be Your Trip and Collision/Loss Damage Insurance. Member Cancellation Insurance effective date, if Trip Cancellation Accident and Health benefits are considered to be Trip 2. Pregnancy. other than unforeseen complications of Insurance is purchased. If no Trip Cancellation Insurance is Cancellation and Interruption Benefits. Emergency Medical pregnancy, of You, a Traveling Companion or a Family purchased. it will be Your Trip departure date. and Dental Benefits, and Travel Accident Coverage. member You have purchased a plan where Pre-existing Conditions These exclusions apply to the plan benefits and services 3. Mental or emotional disorders, or physical complications are waived. The Company and We cover these Pre• indicated. In addition to any exclusions that apply to a related thereto. of Your, a traveling Companion or a existing Conditions provided: particular benefit, no coverage is provided for any loss arising Family Member; 1. On the date of purchase of insurance, You were directly or indirectly out of or as a result of the following: 4. Alcoholism or drug addition, intoxication or under the medically able to travel and You had not filed a claim for For all Inland Marine benefits: influence of any narcotic unless administered on the Trip Cancellation due to a pre-existing Illness within 120 1. Intentionally self-inflicted harm, suicide or attempted advice of a Physician or physical complications related days prior to the purchase of insurance; suicide, by You, a Traveling Companion or a Family thereto. of You, a Traveling Companion or a Family 2. The total Trip cost is $10,000 per person or less; and Member Member 3. On the date of purchase of insurance, You are a resident 2. Normal Pregnancy, fertility treatments. Childbirth or 5. War (whether declared or undeclared), acts of war, of the United States. elective abortion, other than unforeseen complications of participation in a riot or insurrection (except as provided If You do not meet the above criteria, You may still be covered pregnancy, of You, a Traveling Companion or a Family for in the Travel Delay benefit); or service in the Armed for Trip Cancellation or Trip Interruption caused by reasons Member Forces or units auxiliary thereto (except as specifically other than those related to the Pre-existing Condition. 3. Mental or nervous health disorders, including but not covered); limited to: anxiety. depression, neurosis or psychosis; or 6. Aviation, other than as a fare-paying passenger on a Part IV. DESCRIPTION OF TRAVEL INSURANCE physical complications related thereto, of You, a scheduled or charter flight, operated by a scheduled BENEFITS (what is covered) Traveling Companion or a Family Member: airline; The following insurance benefits are designed to protect You 4. Alcohol or substance abuse; or conditions or physical 7. Participation in a felony or to which a contributing cause against situations or losses that result from sudden and complications related thereto, of You, a Traveling of the loss was a person being engaged in an illegal unexpected conditions or events. The benefits do not cover Companion or a Family Member; occupation. This includes You, Family Member, or conditions or events that, on the date of purchase, are 5. War (whether declared or undeclared), acts of war, Traveling Companions. whether they are insured or not; either known to You or likely to occur. Please be aware military duty (unless as specifically covered), civil disorder or that this stipulation may be applied to policies purchased or unrest (except as provided for in Travel Delay); 8. Financial Default of a travel supplier. with the Pre-existing Conditions Exclusion Waiver. The 6. Participation in professional or amateur sport events Company and We reserve the right to reject applications. (including training); 7. All extreme, high risk sports including but not limited to: bodily contact sports; skydiving; hang gliding, bungee jumping, parachuting; mountain climbing or any other Page 2 EFTA00317269 TRIP CANCELLATION AND INTERRUPTION 6. Your Primary Residence being made uninhabitable or 13. Theft of Your automobile that results in Your inability to PROTECTION' Your company being made unsuitable for business by take or continue Your Trip. Trip Cancellation coverage provides benefits for loss(es) You fire, flood, burglary. vandalism, or natural disasters. 14. For Trip Cancellation benefits only, Your Normal incur for Trips cancelled up to the time and date of departure. 7. You or a Traveling Companion being directly involved in a Pregnancy as long as the pregnancy occurs after Your Trip Interruption coverage provides benefits for loss(es) You traffic Accident while directly en route to a departure or effective date of coverage that can be verified by medical incur for Trips that are interrupted or delayed after the time that causes either: 1) a medical emergency for You or a records. and date of departure. Traveling Companion; or 2) damage to the automobile 15. For Trip Cancellation benefits only, You will be attending For all of the covered reasons outlined below, You must that creates an immediate need for repair to ensure the an Immediate Family Members Childbirth at the time the notify the appropriate travel supplier(s) of Your safety of the passengers. covered Trip is supposed to take place as long as the cancellation or interruption within 72 hours of the 8. A terrorist act committed by an organized terrorist group pregnancy occurs after the effective date of coverage that occurrence, unless the condition prevents it, then as soon (recognized as such by the U.S. State Department) that can be verified by medical records. as reasonably possible. Otherwise the right to results in property damage, Injury or loss of life. The 16. You or a Traveling Companion are required to work compensation will lapse. incident must take place in a domestic or foreign city in during Your scheduled Trip. You must demonstrate proof A maximum benefit of up to the amount indicated in Your which You are scheduled to arrive within 30 days of requirement to work, such as a notarized statement Letter of Confirmation is provided to cover certain expenses as following the incident and Your tour operator (if signed by an officer of Your employer. listed below which result from the cancellation or interruption applicable) must not have offered a substitute itinerary. 17. You or a Traveling Companion become legally separated of Your Trip due to: For foreign terrorism coverage only, coverage for or divorced after the purchase of insurance and prior to 1. Any serious Injury or any unforeseen serious medical travel to or through countries in which such a the departure date, provided that the Insurance was condition: documented or reported incident has occurred in the purchased within 14 calendar days of the initial Trip a. Occurring to You or Your Traveling Companion, which 30 days prior to the purchase of travel is excluded. deposit or payment. is so disabling as to cause a reasonable person to Losses resulting due to the issuance of travel 18. Your company being directly involved in a merger or delay. cancel, or interrupt their Trip: advisories, bulletin or alerts; war or acts thereof; civil acquisition. You must be an active employee of the b. Occurring to a Family Member that is considered life disorder, riot or unrest; bomb scares or threats of company that is merging and You must be involved in threatening or requiring hospitalization; or terrorist activity; or terrorist acts against any such an event. c. Occurring to a Family Member requiring Your care. Common Carrier (e.g., airline or cruise line) are not In all cases You must notify the appropriate travel For Trip Cancellation benefits, an actual examination by a covered. supplier(s) of Your cancellation or interruption within 72 Physician must take place within 72 hours of the cancellation. 9. You, who are on Active Military Duty in the United States hours, unless the condition prevents it, then as soon as For Trip Interruption benefits, this examination must take place Armed Forces: reasonably possible. Otherwise the right to compensation during Your Trip. This Physician may not be a member of Your a. having Your personal leave revoked within 10 days will lapse. or Your Traveling Companion's immediate family or yourself, prior to Your departure date (as long as such or an Immediate Family Member of the person whose revocation is in writing by a superior officer and is Coverage is for: condition caused the cancellation or interruption. not due to war-related situations, invocation of the 1. Forfeited, published. Trip payments or deposits incurred as 2. Your death, the death of a Family Member or a Traveling War Powers Act, base or unit mobilization, unit a result of cancellation penalties for which You are not Companion if the death occurs prior to Your Scheduled reassignment for any reason, or disciplinary action); eligible to receive a Refund; Departure Date or during Your Trip. or 2. For Trip Interruption, the pro-rated portion of the pre-paid 3. Strikes, natural disasters, bad weather or FM mandated b. are personally reassigned within 10 days prior to Trip missed; shutdown resulting in the complete cessation of services Your departure date, whether temporary or 3. The additional cost resulting from a change in the per- by the airline, the tour operator or the cruise line for at permanent. person occupancy rate for prepaid travel arrangements if a least 24 consecutive hours OR a road closure causing a 10. You being the victim of a Felonious Assault within 10 Traveling Companion's Trip is canceled or interrupted for delay in reaching Your destination for at least 12 days prior to Your departure date or during Your Trip. A one of the above covered reasons and Yours is not; consecutive hours. The Company will not cover losses Felonious Assault may not be inflicted by You, a Family 4. Reasonable, additional accommodation and transportation resulting from strikes of the person. organization. agency, Member. Traveling Companion or Traveling Companion's expenses up to $100 per day up to a maximum of five or tour operator, or their affiliate companies, that solicited Family Member. days if a Traveling Companion must re-main hospitalized; this coverage and/or Your insured travel arrangements to 11. You, after having been with the same employer for at 5. Reasonable. additional travel costs for You to reach Your You. least three continuous years, are terminated or laid off, original destination if You must depart after Your planned 4. You or a Traveling Companion being hijacked, carjacked through no fault of Your own, after Your effective date of departure date due to one of the above reasons: or or quarantined. coverage. 6. Reasonable, additional transportation expenses needed to 5. You being required to serve on a jury, served with a court 12. A covered Travel Delay that results in the loss of more reach the scheduled termination point of Your Trip or to order or subpoena. than 50% of Your scheduled Trip length. travel from the place Your Trip was interrupted to the place Page 3 EFTA00317270  where You can rejoin Your Trip and the unused portion of part, and reconstructive surgery because of congenital Property or losses not covered: any non-refundable land, sea and air arrangements that disease or anomaly of a covered dependent child that 1. Losses incurred as a result of any General Exclusion; were paid as part of Your Trip. has resulted in a functional defect; physical exams, 2. Animals; The benefits paid under 5 and 6 above will not exceed the cost allergies, hearing aids, eyeglasses, contact lenses, 3. Automobiles and equipment, motorcycles and motors; of an economy airfare by the most direct route on the next palliative care or cosmetic foot care, experimental 4. Bicycles, skis. snowboards (except when checked with a available carrier. less any Refunds paid to You. treatment, or other services which are not Medically Common Carrier); Trip Cancellation(Interruption benefits do not cover Necessary to provide Emergency Medical or Dental 5. Aircraft, boats or any other vehicles or conveyances; loss(es) due to: Care); 6. Eyeglasses. sunglasses, contact lenses, hearing aids, 1. Any General Exclusion or Pre-existing Condition"; 3. Treatment received in unlicensed facilities or given by artificial teeth and limbs; 2. You or a Traveling Companion: a) making changes to unlicensed health care providers; 7. Tickets, keys, money, securities, bullion, stamps, credit personal plans; b) having a business or contractual 4. Treatment given by a Family Member or a Traveling cards, documents (travel or otherwise) and deeds; obligation; c) being unable to obtain necessary travel Companion, whether or not a licensed provider; 8. Property shipped as freight or shipped prior to Your Trip documents: or d) being detained or having property 5. Any Illness or bodily Injury which occurs in the course of departure date: confiscated by any Customs authority; employment if benefits or compensation is provided, in 9. Rugs or carpets of any type; 3. Carrier caused delays (including bad weather) unless as whole or in part, under the provisions of any legislation of 10. Perishables, medicines, perfumes, cosmetics and covered above; any governmental unit; or consumables; 4. Prohibition or regulation by any govemment; or 6. Benefits provided by any governmental agency or unit. 11. Property used in trade, business or for the production of 5. Travel arrangements cancelled by the airline, cruise line Benefits may be coordinated with any other excess coverage income or offered for sale or trade or components of or tour operator. You may have and any benefits paid in excess of Your actual goods offered for sale or trade; " The Pre-existing Condition provision limitation applies only loss may be recovered. 12. Damage to the property resulting from defective materials during the first Policy year and not consecutive and Please refer to Your Letter of Confirmation to determine which or workmanship, ordinary wear and tear, and normal subsequent Policy years. benefits are specifically included within the plan You deterioration; or Please refer to Your Letter of Confirmation to determine which purchased and their corresponding maximum amount of 13. Property that is left in a vehicle if the vehicle is not benefits are specifically included within the plan You coverage. properly secured. purchased and their corresponding maximum amount of coverage. BAGGAGE COVERAGE " The plan will pay the lesser of: Coverage is secondary to any coverage provided by a 1. The actual purchase price of a similar item; or EMERGENCY MEDICAL AND DENTAL BENEFITS' Common Carrier or hotel, if any. 2. The Actual Cash Value of the item at the time of loss, This coverage is primary. If Baggage is lost, damaged or stolen, the Company will pay which includes deduction for depreciation (for items A maximum benefit of up to the amount listed in Your Letter of the loss, up to the maximum amount indicated in Your Letter of without receipts, the plan will pay up to 75% of the Confirmation is provided for covered Emergency Medical or Confirmation, provided You have taken all reasonable determined depreciated value); or Dental Care expenses incurred as a result of accidental Injury measures to protect, save andlor recover Your property at all 3. The cost to repair or replace the item. or Illness occurring during a Trip within the Coverage Period. times. Notwithstanding the foregoing, We will continue to Please refer to Your Letter of Confirmation to determine which We will only pay Reasonable and Customary Charges for cover up to a maximum amount of $500 for any and all benefits are specifically included within the plan You health care services or supplies provided by Physicians, jewelry, watches, gems, furs, cameras and camera purchased and their corresponding maximum amount of licensed dentists, Hospitals, and Other Licensed Providers that equipment, camcorders, sporting equipment, computers, coverage. are received during Your Trip and that are received greater radios and other electronic items and only when original than 100 miles from home and which are Medically receipts are provided. BAGGAGE DELAY COVERAGE " Necessary for. You must notify the appropriate local authorities at the place If Your personal Baggage is delayed or misdirected for at least 1. Emergency Medical Care: and the loss occurred and inform them of the value and description 24 hours by a Common Carrier, the plan will reimburse You on 2. Emergency Dental Care. There is a $500 maximum for of Your property within 24 hours after the loss. Finally, You a one-time basis for the reasonable, additional purchase of all covered dental expenses. must file written proof of loss with the Company within 90 days essential items. Verification of the delay by the Common Coverage is not provided for: from the date of loss, except as otherwise prohibited by law, Carrier and receipts for the emergency purchases must 1. Expenses incurred as a result of any General Exclusion attaching copies of airline, cruise line or Common Carrier accompany any claim. or Pre-existing Condition; claims forms, original police reports, an itemization and No coverage will be provided for loss(es) due to any 2. Non-emergency services, supplies, or charges (examples description of lost items and their estimated value, and all General Exclusion. are those for cosmetic surgery, except reconstructive receipts, credit card statements, canceled checks, photos, or surgery that is incidental to or follows surgery resulting other appropriate documentation as may be required. from trauma. infection or other disease of the involved Page 4 EFTA00317271 Please refer to Your Letter of Confirmation to determine which No coverage will be provided for loss due to any General 6. Vehicles used for commercial or livery use whether or not benefits are specifically included within the plan You Exclusion nor any loss due to air travel except while You are licensed for such use (commercial use includes hauling purchased and their corresponding maximum amount of riding, boarding or alighting as a ticketed passenger on a or transporting materials or goods necessary to or coverage. certified aircraft provided by a regularly scheduled airline on a reasonably considered to be engaged in a commercial or regularly scheduled Trip or charter. livery use); TRAVEL DELAY COVERAGE • Please refer to Your Letter of Confirmation to determine which 7. Any vehicle with an original manufacturer's suggested Coverage under the plan will pay on a one-time basis up to the benefits are specifically included within the plan You retail price greater than $75,000; maximum amount listed in Your Letter of Confirmation for purchased and their corresponding maximum amount of 8. Any vehicle used off maintained roadways; reasonable, additional accommodation and traveling expenses coverage. 9. Any loss not reported to the renting agency; due to a departure delay of 6 or more hours. Prepaid 10. Any obligation You assume under any agreement (other expenses are not covered. Expenses must be incurred by COLUSIONILOSS DAMAGE INSURANCE than Your insurance collision or comprehensive You. Payments for additional expenses will not exceed $150 The plan will pay up to the amount indicated in Your Letter of Deductible); per day per person. Confirmation for: 11. Any damage which occurs while You are in violation of Covered reasons for Travel Delay are: 1. Physical damage to a Rental Car that occurs while You the Rental Car Agreement; or 1. Carrier caused delay (including bad weather); are driving or while the Rental Car is left unattended 12. Any rental or leases exceeding 45 consecutive days. 2. Lost or stolen passports, money, or travel documents; during the rental period (under this benefit, You refers to If You incur a loss, You must contact the hotline center 3. Quarantine; the insured and licensed drivers who are designated as immediately so that the Company or We can arrange for an 4. Hijacking; drivers on the Rental Car Agreement); insurance adjuster to assess the damage. 5. Unannounced strikes; 2. Reasonable and customary rental charges which may be Please refer to Your Letter of Confirmation to determine which 6. Natural disaster; or imposed by the car rental company while the car is being benefits are specifically included within the plan You 7. Civil disorder or unrest. repaired; and purchased and their corresponding maximum amount of 8. Severe storms that cause a route closing validated by the 3. Any loss of, or damage to. the Rental Car resulting from coverage. National Weather Service records and local Department causes other than collision (for example: fire, storm, of Transportation Records. vandalism, theft). BUSINESS EQUIPMENT COVERAGE' No coverage will be provided for loss(es) due to any The plan will cover the lesser of: Coverage is secondary to any coverage provided by the General Exclusion. 1. The reasonable and customary cost of repairs and rental Common Carrier. Please refer to Your Letter of Confirmation to determine which charges while the car is being repaired, or If Your business equipment is lost by the Common Carrier, or benefits are specifically included within the plan You 2. The Actual Cash Value of the Rental Car. damaged, or stolen, We will pay up to the amount in Your purchased and their corresponding maximum amount of This coverage is primary to any other coverage You may have. Letter of Confirmation provided You have taken all reasonable coverage. Collisionloss Damage Insurance is available for travel in measures to protect, save and recover Your property at all the United States and most foreign countries. No times. TRAVEL ACCIDENT COVERAGE* coverage is provided for motor vehicles rented in Israel, Property or losses not covered: This benefit provides coverage for a loss due to a covered Jamaica, Republic of Ireland or Northern Ireland. 1. Losses incurred as a result of any General Exclusion; Accident. The loss must occur within 365 days of the covered Additionally, coverage is not applicable where precluded 2. Items other than business equipment; Accident. The plan will pay the full amount (as listed on Your by law or in violation of the territorial terms of the rental 3. Intentional Acts; Letter of Confirmation), in a lump sum, for loss of life or any agreement or prohibited by individual merchants. 4. Gross negligence or willful and wanton conduct; combination of two eyes, hands or feet; and one