enhanced benefits with roundtrip choice

RoundTrip helps ensure that you are prepared in the event of an accident, sickness or loss while traveling. By insuring your non-refundable trip costs, you are protected against unforeseen events that would cause your trip to be cancelled. In addition, you will receive coverage for baggage protection, travel assistance services, accidental death and dismemberment, and emergency medical evacuation and repatriation.

RoundTrip offers enhanced benefits with RoundTrip Choice. Both policies provide protection for your trip costs and your health while on your trip. You can now choose Cancel for Any Reason with RoundTrip Choice.

We’ve optimized RoundTrip’s medical coverage for most travelers, however, you may determine you need greater coverage for specific benefits. Consider Liaison® International or other plans from Seven Corners for up to $5,000,000 of international medical limits. We have a plan that’s right for you.

protection plan outline

This brochure describes the highlights of our protection plan. Plan details and an ID Card will be mailed to you after you have purchased benefits or can be obtained immediately when using the online system. These details provide complete information regarding the benefits, exclusions and limits of the protection plan. Please read them carefully.

RoundTrip may be purchased if You are a resident of the United States or if You purchase this plan within the United States.

Dependent Children are children of the Primary Applicant under 19 years of age.

when you are eligible for benefits

• trip cancellation and assistance services – Your eligibility begins on Your Effective Date.

• trip delay / missed connection – In force while You are en route to and from Your covered Trip.

• flight accident plan (if chosen) – Begins on the departure date or the date Your completed enrollment form and fees are postmarked, faxed, or transmitted via the Internet and ends when the Trip is completed or after 30 days (unless additional days are purchased), whichever comes first.

• collision damage waiver (if chosen) – Begins on the departure date or the date Your completed enrollment form and fees are postmarked, faxed, or transmitted via the Internet and ends when the Trip is completed or after 30 days (unless additional days are purchased), whichever comes first.

• cancel for any reason (if chosen) – Your eligibility begins on Your Effective Date.

• all other coverages (includes trip interruption) – You become eligible for benefits at 12:01 a.m. on Your scheduled departure date or Your effective date whichever is later, and ends at the point and time of return on the scheduled return date.

• maximum trip length – 30 days (unless additional days are purchased).

trip cancellation/ interruption

The Company will pay a benefit, up to the maximum amount shown on the Confirmation of Coverage, if You are prevented from taking Your Trip after Your effective date* due to:

1. Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member or Business Partner; 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.

2. You or a Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of felonious assault within 10 days of departure; or having his/her principal place of residence made uninhabitable by fire, flood or other natural disaster; or burglary of his/her principal place of residence within 10 days of departure.

3. You or a Traveling Companion being directly involved in a traffic accident substantiated by a police report, while en route to departure.

4. A transfer of You by the employer with whom You are employed on the Effective Date that requires Your principal residence to be relocated.

5. The death or hospitalization of Your Host at Destination.

6. A Terrorist Incident that occurs in a city listed on Your Trip itinerary and within 30 days prior to Your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the 90 days prior to the Terrorist Incident that is causing the cancellation of Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. Your Scheduled Departure Date must be no more than 15 months beyond Your Effective Date.

8. Strike that causes complete cessation of services for at least 48 consecutive hours.

9. Weather that causes complete cessation of services of the Common Carrier for at least 48 consecutive hours.

10. Bankruptcy and/or Default of Your Travel Supplier that occurs more than 10 days following Your Effective Date. Coverage is not provided for the Bankruptcy or Default of the travel agency from whom You purchased the Land/Sea Arrangements. Your Scheduled Departure Date must be no more than 15 months beyond Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination.

11. You are terminated, or laid off from employment subject to five years of continuous employment at the place of employment where terminated.

12. Natural disaster at the site of Your destination that renders their destination accommodations uninhabitable.

trip cancellation

The Company will reimburse You for the following:

1. Non-refundable cancellation charges imposed by the Travel Supplier.

2. If the Travel Supplier cancels Your Trip, then You are covered up to $75.00 for the reissue fee charged by the airline for the tickets. You must have covered the entire cost of the Trip including the airfare.

In no event shall the amount reimbursed exceed the amount You prepaid for the Trip.

trip interruption

The Company will reimburse You for the following if Your Trip is cancelled for any of the reasons listed above under Trip Cancellation/Trip Interruption:

The Company will pay for the following:

(a) Unused, non-refundable land or sea expenses prepaid to the Travel Suppliers;

(b) The airfare paid less the value of applied credit from an unused travel ticket to return home, join or rejoin the original Land/Sea Arrangements limited to the cost of one-way economy airfare or similar quality as the originally issued ticket by scheduled carrier.

The Company will pay for reasonable additional accommodation and transportation expenses incurred by You (up to $100 a day) if a Traveling Companion must remain hospitalized, or if You must extend the Trip with additional hotel nights due to a Physician certifying that You cannot fly home due to an Accident or a Sickness but does not require hospitalization.

In no event shall the amount reimbursed exceed the maximum benefit shown on the Confirmation of Coverage.

trip delay

The Company will reimburse You for Covered Expenses on a one-time basis, up to the maximum amount shown in the Confirmation of Coverage, if You are delayed en route to or from the Trip for twelve (12) or more hours due to a defined Hazard:

Covered Expenses include:

1. Any prepaid, unused, non-refundable land and water accommodations;

2. Any reasonable additional expenses incurred;

3. An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip; or

4. A one-way Economy Fare to return You to Your originally scheduled return destination.

missed connection

This benefit covers missed Cruise departures that result from cancellation or delay (for three or more hours) of all regularly scheduled airline flights due to Inclement Weather or any Common Carrier caused delay. Maximum benefits up to the

amount shown in the Confirmation of Coverage are provided to cover additional transportation expenses needed for You to

join the departed Cruise, reasonable accommodation and meal

expenses (up to the per day amount shown in the Confirmation of

Emergency Evacuation means:

(a) Your medical condition warrants immediate transportation from the place where You are injured or sick to the nearest Hospital where appropriate medical treatment can be obtained;

(b) after being treated at a local Hospital, Your medical condition warrants transportation to the United States where You reside, to obtain further medical treatment or to recover; or

(c) both (a) and (b), above.

Covered Expenses are reasonable and customary expenses for necessary transportation, related medical services and medical supplies incurred in connection with Your Emergency Evacuation. All transportation arrangements made for evacuating You must be by the most direct and economical route possible. Expenses for transportation must be:

(a) recommended by the attending Physician;

(b) required by the standard regulations of the conveyance transporting You; and

(c) authorized in advance by the Company or its authorized representative.

Transportation of Dependent Children: If You are in the Hospital for more than seven (7) days following a covered Emergency Evacuation, the Company will return Your dependents, who are under nineteen (19) years of age and accompanying You on the scheduled Trip, to the domicile of a person nominated by You or Your next of kin with an attendant if necessary.

Transportation to Join You: If You are traveling alone and are in a Hospital alone for more than seven (7) consecutive days or if the attending Physician certifies that due to Your Injury or Sickness, You will be required to stay in the Hospital for more than seven (7) consecutive days, upon request the Company will bring a person, chosen by You, for a single visit to and from Your bedside provided that repatriation is not imminent.

Transportation services are provided if authorized in advance by the assistance provider, and are limited to necessary economy fares less the value of applied credit from unused travel tickets, if applicable.

Transportation means any Common Carrier, or other land, water or air conveyance, required for an Emergency Evacuation and includes air ambulances, land ambulances and private motor vehicles.

The Company will not cover any expenses provided by another party at no cost to You or already included within the cost of the Trip.

excess insurance limitation

The insurance provided by the Plan shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any loss there is other valid and collectible insurance or indemnity in place, the Company shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable deductible.

repatriation of remains

The Company will pay the reasonable Covered Expenses incurred to return Your body to Your primary place of residence if You die during the Trip. This will not exceed the maximum amount shown on the Confirmation of Coverage.

Covered Expenses include, but are not limited to, expenses for embalming, cremation, casket for transport and transportation.

lost baggage

The Company will reimburse You, Your Family Member up to the maximum amount shown on the Confirmation of Coverage, for loss, theft or damage to baggage and personal effects, provided

You have taken all reasonable measures to protect, save and/or recover Your property at all times. The baggage and personal effects must be owned by and accompany You during the Trip.

This coverage is secondary to any coverage provided by a Common Carrier and all other valid and collectible insurance indemnity and shall apply only when such other benefits are exhausted.

baggage delay

The Company will reimburse You for the expense of necessary personal effects, up to the maximum amount shown on the Confirmation of Coverage, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twenty-four (24) hours, while on a Trip, except for travel to final destination or place of residence.

accidental death & dismemberment (ad&d)

You will receive benefits for loss of life or dismemberment due to an accidental injury while on Your Trip.

If You rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will pay the lesser of:

(a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

(b) The Actual Cash Value of the car, meaning purchase price less depreciation; or

(c) The amount shown on the Confirmation of Coverage.

Coverage is provided to You, provided You and Your Traveling Companions are licensed drivers and are listed on the rental agreement. Coverage is not available to residents of Texas and Oregon.

(RoundTrip Choice Plan Only)

If You cancel Your Trip for any reason not otherwise covered by this plan, the Company will reimburse You for seventy-five percent on deposits You paid for Your Trip provided:

(a) Your plan payment is received within ten (10) days of the date Your initial deposit/payment for Your Trip is received; and

(b) You insure all prepaid Trip costs that are subject to cancellation penalties or restrictions; and

(c) You also insure within ten (10) days of the payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added to Your Trip; and

(d) You cancel Your Trip two (2) days or more before Your Scheduled Departure Date.

Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation and Repatriation of Remains) unless the insurance is purchased within 10 days of the initial Trip deposit; suicide, attempted suicide or any intentionally self-inflicted injury while sane or insane (in Missouri, sane only) unless resulting in the death of a non-traveling immediate Family Member; intentionally self-inflicted injuries; war, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war; participation in any military maneuver or training exercise; any loss starting while You are in the service of the armed forces of any country. Orders to active military service for training purposes of two months or less will not constitute service in the armed forces. Upon notice to the Company of entering the armed forces, the Company will return to You- pro rata any premium paid, less any benefits paid, for any period during which You are in such service; piloting or learning to pilot or acting as a member of the crew of any aircraft; mental or emotional disorders, unless hospitalized; participation as a professional in athletics; participation in underwater activities; being under the influence of drugs or intoxicants, unless prescribed by a Physician, unless results in the death of a non-traveling immediate Family Member; commission or the attempt to commit a criminal act; participating in bodily contact sports; skydiving; hang-gliding; parachuting; mountaineering; any race; bungee cord jumping; and speed contest (speed contest shall not include any of the regatta races, SCUBA diving, spelunking or caving, heliskiing, extreme skiing) dental treatment except as a result of an injury to sound natural teeth within twelve (12) months of the Accidental Injury limited to $750; any non-emergency treatment or surgery, routine physical examinations, hearing aids, eye glasses or contact lenses; pregnancy and childbirth (except for complications of pregnancy) except if hospitalized; curtailment or delayed return for other than covered reasons; traveling for the purpose of securing medical treatment; services not shown as covered; directly or indirectly, the actual, alleged or threatened discharge, dispersal, seepage, migration, escape, release or exposure to any hazardous biological, chemical, nuclear radioactive material, gas, matter or contamination; Confinement or treatment in a government Hospital; however the United States government may recover or collect benefits under certain conditions; Care or treatment that is not medically necessary; Care or treatment for which compensation is payable under Worker’s Compensation Law, any Occupational Disease law; the 4800 Time Benefit plan or similar legislation; Care or treatment that is payable under any Insurance policy that does not require deductible and/or coinsurance payments by You; Injury or Sickness when traveling against the advice of a Physician;

Cosmetic surgery except for: reconstructive surgery incidental to or following surgery for trauma, or infection or other covered disease of the part of the body reconstructed, or to treat a congenital malformation of a child.

The following exclusions apply to Baggage/Personal Effects and Baggage Delay.

The Company will not provide benefits for any Loss or damage to:

1. Animals;

2. Automobiles and automobile equipment;

3. Boats or other vehicles or conveyances;

4. Trailers;

5. Motors;

6. Motorcycles;

7. Aircraft;

8. Bicycles (except when checked as baggage with a Common Carrier);

9. Household effects and furnishing;

10. Antiques and collectors’ items;

11. Eyeglasses, sunglasses or contact lenses;

12. Artificial teeth and dental bridges;

13. Hearing aids;

14. Prosthetic limbs;

15. Prescribed medications;

16. Keys, money, stamps, securities and documents;

17. Tickets;

18. Credit cards;

19. Professional or occupational equipment or property, whether or not electronic business equipment;

20. Personal computers, telephones, computer hardware or software;

21. Sporting equipment if Loss or damage results from the use thereof.

Any Loss caused by or resulting from the following is excluded:

1. Breakage of brittle or fragile articles;

2. Wear and tear or gradual deterioration;

3. Insects or vermin;

4. Inherent vice or damage while the article is actually being worked upon or processed;

5. Confiscation or expropriation by order of any government;

6. War or any act of war whether declared or not;

7. Theft or pilferage while left unattended in any vehicle;

8. Mysterious disappearance;

9. Property illegally acquired, kept, stored or transported;

10. Insurrection or rebellion;

11. Imprudent action or omission;

12. Property shipped as freight or shipped prior to the Scheduled Departure Date.

The following exclusions apply to Collision Damage Waiver:

common carrier means any land, sea, and/or air conveyance operating under a valid license for the transportation of passengers for hire.

covered expenses shall mean expenses incurred by You which are for medically necessary services, supplies, care, or treatment; due to Illness or Injury; prescribed, performed or ordered by a Physician; reasonable and customary charges; incurred while

insured under the Group Policy; and which do not exceed the maximum amount shown in the Confirmation of Coverage, under each stated benefit.

family member means You or Your Traveling Companion’s legal or common law spouse, parent, legal guardian, step-parent, grandparent, parents-in-law, grandchild, natural or adopted child, stepchild, children-in-law, brother, sister, stepbrother, stepsister, brother-in-law, sister-in-law, aunt, uncle, niece or nephew, who reside in the United States, Canada or Mexico.

land/sea arrangements means any activities undertaken by You while in the Individual Coverage Term.

sickness means an illness or disease which is diagnosed or treated by a Physician after the effective date of insurance and while You are covered under the Group Policy.

traveling companion means person(s) booked to accompany You on Your Trip (to a maximum or four (4) persons including 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.

travel supplier means tour operator, cruise line, hotel etc. who has made the land and/or sea arrangements.

trip means prepaid Land/Sea Arrangements and shall include flight connections to join or depart such Land/Sea Arrangements provided such flights are scheduled to commence within one day of the Land/Sea Arrangements. Maximum Trip duration is 90 days.

you or your refers to all persons listed on the Confirmation of Coverage under the program purchased by You.

claim questions & situations

After You have enrolled, You will receive an Evidence of Benefits and an ID Card, which will describe all aspects of the program, as well as who to contact in case of an emergency or if a claim should occur. The Assistance Company should be contacted if You require assistance while on Your Trip. When purchasing Your Trip, be sure to keep all documentation. This information will be required in order to process any claim.

Products underwritten by Nationwide Mutual Insurance Company, Nationwide Life Insurance Company and Nationwide Mutual Fire Insurance Company.

Please see Evidence of Benefits for Specific State filings, and/or change in benefits.

assistance with travel

weather information: Concerning local weather conditions

conference calls: Arranging telephone conferences between your attending and home physicians