| | Travel Insurance Certificate 
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IMPORTANT
The Pre-Existing Condition Exclusion is waived provided you meet the following requirements: 1) the premium for the coverage is received by Heritage Clubs International, LLC within 14 days of the initial deposit/payment for your Trip and 2) you are not disabled from travel at the time you pay your premium. Please Note, this policy may not be purchased after you have made final payment for your Trip.
Schedule: Heritage Clubs International, LLC | | Benefit | Accidental Death and Dismemberment | $25,000 | Medical Expense/Emergency Assistance | | | Accident and Sickness Medical Expense | $25,000 | | Emergency Evacuation and Repatriation | $50,000 | Pre-Departure Trip Cancellation | Up To Trip Cost | Post-Departure Trip Interruption | Up To Trip Cost | Travel Delay (Up to $100 Per Day) | $500 | | Baggage and Personal Effects | $1,000 | | Baggage Delay (Up to $100 Per Day) | $500 |
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A person who has arranged to take a Trip, and pays the required premium, and is a citizen or resident of the United States of America or Canada.
All coverages (except Pre-Departure Trip Cancellation and Post-Departure Trip Interruption) will take effect on the later of 1) the date the premium has been received by Heritage Clubs International, LLC; 2) the date and time you start your Trip; or 3) 12:01 A.M. Standard Time on the Scheduled Departure Date of your Trip. Pre-Departure Trip Cancellation coverage will take effect on the date your premium is received by Heritage Clubs International, LLC. Post-Departure Trip Interruption coverage will take effect on the Scheduled Departure Date of your Trip if the required premium payment is received.
Your coverage automatically ends on the earlier of: 1) the date the Trip is completed; 2) the Scheduled Return Date; 3) your arrival at the return destination on a round-trip, or the destination on a one-way trip; 4) cancellation of the Trip covered by the Policy.
Termination of the policy will not affect a claim for loss that occurs after premium has been paid.
All coverages under the policy will be extended if your entire Trip is covered by the policy and your return is delayed by unavoidable circumstances beyond your control. If coverage is extended for the above reasons, coverage will end on the earlier of the date you reach your originally scheduled return destination or seven (7) days after the Scheduled Return Date.
| Please see the Definitions for an explanation of Pre-Existing Conditions which are excluded under the Pre-Departure Trip Cancellation, Post-Departure Trip Interruption, Travel Delay and Medical Expense/Emergency Assistance Benefits. (Unless this exclusion is waived, see the Waiver of the Pre-Existing Condition Exclusion at the top of this page for details) |
| Accidental Death and Dismemberment
We will pay this benefit up to the amount on the Schedule if you are injured in an Accident which occurs while you are on a Trip and covered under the policy, and you suffer one of the losses listed below within 365 days of the Accident. The Principal Sum is the benefit amount shown on the Schedule.
| If you suffer more than one loss from one Accident, we will pay only for the loss with the larger benefit. Loss of a hand or foot means complete severance at or above the wrist or ankle joint. Loss of sight of an eye means complete and irrecoverable loss of sight. | Medical Expense/Emergency Assistance
We will pay this benefit, up to the amount on the Schedule for the following Covered Expenses incurred by you, subject to the following: 1) Covered Expenses will only be payable at the Usual and Customary level of payment; 2) benefits will be payable only for Covered Expenses resulting from a Sickness that first manifests itself or an Injury that occurs while on a Trip; 3) benefits payable as a result of incurred Covered Expenses will only be paid after benefits have been paid under any Other Valid and Collectible Group Insurance in effect for you. We will p |
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