Trip Mate index
For a Printer Friendly/Acrobat version of this document, click here.

For additional Forms and State Exceptions to complete your policy/certificate
(AR, FL, GA, ID, IL, KS, LA, ME, MN, MS, MO, MT, NH, NY, OR, SC, SD, TX, UT, VT, WA, WV, WI, and WY), click here.

Download Acrobat Reader

Plan Documents

Our Travel Protector
Comprehensive Plan
for Groups of 10 or more
To Report A Claim Call:
1-888-319-5378


IMPORTANT ELIGIBILITY NOTICE
Our Travel Protector is only available for: 1) citizens or residents of the USA; 2) Trips costing $10,000 or less per person; and 3) Trips of 30 days or less.

Eligibility for purchase will be confirmed at time of claim. If it is determined that a person or Trip is not eligible for coverage as detailed above, any claim for benefits will be denied and premium will be refunded.



United States Fire Insurance Company
Administrative Office: 5 Christopher Way
Eatontown, NJ 07724
(Hereinafter referred to as “the Company”)
Plan Documents
Our Travel Protector
Plan #877C
This Plan Documents is a summary of the travel insurance benefits underwritten by United States Fire Insurance Company, herein referred to as the Company and also referred to as We, Us and Our. Notice: Provisions may vary by Your state of residence. Contact MH Ross Travel Insurance Services, Inc. if You have questions.

Insurance provided by this Plan Documents is subject to all of the terms and conditions of the Group Policy. If there is a conflict between the Policy and this Plan Documents, the Policy will govern.
Schedule of Benefits
Benefit Maximum Benefit Amount
Medical Expense/Emergency Assistance
Accident and Sickness Medical Expense
Emergency Evacuation and Repatriation
One Call 24-Hour Assistance Services
$100,000
Included
Included
Included
Trip Cancellation Trip Cost
Trip Interruption 150% of Trip Cost
Missed Connection $1,000
Travel Delay (Up to $200 Per Day) $1,000
Baggage and Personal Effects $1,500
Baggage Delay (Up to $200 Per Day) $400
SECTION I. Coverages
ACCIDENT & SICKNESS MEDICAL EXPENSE

For the purpose of this benefit:

“Covered Expense” means expense incurred for services and supplies: (a) listed below; and (b) ordered or prescribed by a Legally Qualified Physician as Medically Necessary for diagnosis or treatment; which is limited to:
1. The services of a Legally Qualified Physician;
2. Hospital or ambulatory medical-surgical center services (this will also include expenses for a cruise ship cabin or hotel room, not already included in the cost of Your Trip, if recommended as a substitute for a Hospital room for recovery of a Sickness or Injury);
3. Transportation furnished by a professional ambulance company to and/or from a Hospital; and prescribed drugs, prosthetics and therapeutic services and supplies.
Benefits will be paid for the Covered Expense incurred, up to the Maximum Benefit Amount, if You incur a Covered Expense as a result of a Sickness that first manifests itself during the Trip or Injury that occurs during the Trip. Only Covered Expenses incurred during the Trip will be reimbursed. Expenses incurred after the Trip are not covered.

Benefits will include expenses incurred during the Trip for emergency dental treatment due to Injury not to exceed $1,000. Expenses for emergency dental treatment incurred after the Trip are not covered.

Benefits will not be paid in excess of the Usual and Customary Charges.

Advance payment will be made to a Hospital, up to the Maximum Benefit Amount, if needed, to secure Your admission to a Hospital, because of a covered Sickness or Injury. The Program Medical Advisor will coordinate advance payment to the Hospital.

These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.
MEDICAL EVACUATION AND
RETURN OF MORTAL REMAINS

When You suffer a loss of life for any reason or incur a Sickness or Injury during the course of a Trip, the following benefits are payable, up to the Maximum Benefit Amount.
1. Emergency Medical Evacuation: If the local attending Legally Qualified Physician and the Program Medical Advisor determine that transportation to a Hospital or medical facility is Medically Necessary to treat an unforeseen Sickness or Injury which is acute or life threatening and adequate Medical Treatment is not available in the immediate area, the Transportation Expense incurred will be paid for the Usual and Customary Charges for transportation to the closest Hospital or medical facility capable of providing that treatment.

If You are in the Hospital for more than 7 consecutive days and Your dependent children who are under 18 years of age and accompanying You on the Trip are left unattended, Economy Transportation will be paid to return the dependents to their home (with an attendant, if considered necessary by the Prog