EVACUATION,
REPATRIATION, PERSONAL LIABILITY,
AND OTHER BENEFITS FOR THE INTERNATIONAL TRAVELER Up
to 12 months of coverage for emergencies requiring: ·
Medical
Evacuation ·
Return
of Minor Children to Home Country ·
Political
Evacuation ·
Repatriation
·
Trip
Interruption WHY
YOU NEED INTERNATIONAL COVERAGE This
brochure is a brief description of Liaison Traveler. A complete
description is contained in the Program Summary, which will be mailed
to you together with your ID Card after SRI receives your completed
application and correct premium.
NOTE-
This plan does not offer medical coverage.
For a comprehensive international medical program, contact your
agent or SRI for information. ELIGIBILITY Liaison
Traveler provides coverage for persons traveling outside their Home
Country. If you will be traveling outside of your Home Country,
the program will provide coverage for you, your spouse, and your
unmarried dependent children (over 14 days and under 19 years of age,
or under 25 years of age if they are attending an accredited
institution of higher learning on a full-time basis and wholly
dependent upon the Insured for support and maintenance.) Home
Country (or Country of Residence) is defined as - The country where an
eligible person(s) has his/her true, fixed and permanent home and
principal establishment, and to which he/she has the intention of
returning. PERIOD
OF COVERAGE There
are three coverage period options for Liaison Traveler, a three-month,
a six-month, and a twelve-month coverage period. During the
coverage period, the insured persons will be covered anytime they are
outside their Home Country or Country of Residence (unlimited number
of trips). Effective
Date -
Your coverage will begin on the latest of the following: 1.
The date your Application and premium are received by SRI; or 2.
The date you request on the Application. Expiration
Date -
Your coverage will end either Three, Six or Twelve months after the
Effective Date (depending upon the coverage period chosen). If
you choose, coverage can be easily rewritten. PLAN
OPTIONS Liaison
Traveler has two different programs that can be purchased together or
separately (the Standard Upgrade Options must be purchased along with
the Standard Program) to address the various needs of the
international traveler. Standard
Program This
is the base program offered to international and frequent travelers.
Maximums listed are per policy period. Upgrade Options
are available and described below.
Standard
Upgrade Options
(May not be purchased separately from Standard Program)
Personal
Liability Program The
personal liability coverage is not available to residents of Oregon. (This
program may be added to the Standard Program or may be purchased
separately. This benefit
is only available to persons while traveling outside the United
States.) The
Company will indemnify the Insured Person for legal liability to a
third party up to a limit of $100,000 arising while outside of the
United States during a covered trip as a result of: a)
accidental death or bodily injury to any person b)
accidental loss of or damage to property of that person The
Company has the right to commence or takeover any legal proceeding to
defend the Insured Person provided the Company chooses to do so and to
take any action to recover any payment made under this policy.
The Insured Person must cooperate with the Company to this end
and do nothing to prejudice the Company’s rights.
The Insured Person must not make any offer or promise payment
or admit fault to any other party, or become involved in any
litigation without the Company’s written approval. Note:
Only one Liaison Traveler Program may be purchased for any given
policy period. DESCRIPTION
OF BENEFITS Emergency
Medical Evacuation Expenses * If
you or any covered dependents become sick or injured during the period
of coverage and it has been determined that an Emergency Medical
Evacuation is required to either the nearest medical facility, where
appropriate medical treatment can be obtained, or to your Home
Country, all eligible expenses incurred are covered up to $100,000.
An Emergency Medical Evacuation must be recommended by a legally
licensed physician who certifies that the severity of the Injury or
Sickness necessitates such Emergency Medical Evacuation, and agreed to
by you or your representative. Repatriation
of Mortal Remains Expenses
* If
Injury or Sickness commencing during the Period of Coverage results in
death, all reasonable expenses incurred for preparation and return of
the remains to the Home Country are covered up to a maximum of
$20,000. Emergency
Reunion * In
the event of a recommended Emergency Medical Evacuation due to a
covered injury or illness, where the physician feels that it would be
beneficial to have a family member at your side during transport, you
will be reimbursed for travel and lodging expenses incurred by that
relative up to US$10,000 (Additional details in Program Summary) Return
of Minor Child(ren) * Should
the Insured Person be traveling alone with a Minor Child(ren) and is
hospitalized because of a covered Illness or Injury and the Minor
Child(ren) under the age of 18 are left unattended, Liaison Traveler
will arrange and pay for one way economy fares less the value of
applied credit from any unused travel tickets per person to their Home
Country, not to exceed the maximum benefit of $5,000.
(Additional information is contained in Program Summary) Accidental
Death & Dismemberment (AD&D) The
program includes Accidental Death & Dismemberment coverage for
each Insured Person, Insured Spouse and Dependent Child. If an
Injury occurs during your Period of Coverage and results in one of the
following losses within 365 days after an accident, the program will
pay for loss as follows (Additional information in Program Summary):
Political
Evacuation and Repatriation * If
due to political or military events in a host country, a formal
recommendation from the appropriate authorities is issued for the
insured to leave the host country or the insured is expelled or
declared persona non-grata by the host country, all reasonable
expenses incurred for transportation to the nearest place of safety or
for repatriation to the insured's home country or country of residence
are covered up to a maximum of $10,000. Evacuation must occur
within 10 days of any such event. Coverage will apply to the
most appropriate and economical means consistent under the
circumstances with your health & safety. Evacuation costs
will be paid once per insured per occurrence. In the event this
benefit is needed, arrangements must be made by the assistance
services provider. Trip
Interruption Liaison
Traveler will pay benefits if an Insured is unable to continue the
Trip due to: a) death, occurring prior to the return to the Insured's
Home Country, of the Insured's Immediate Family Member, b) serious
damage to the Insured's principal residence from fire, flood or
similar natural disaster (tornado, earthquake, hurricane, etc.).
Liaison Traveler will reimburse the Insured for the cost of travel,
less the value of applied credit from an unused return travel ticket,
to return home to their area of principal residence. This
benefit is limited to the cost of one-way economy airfare or ground
transportation and is subject to a Policy Period maximum of $5,000.
Additional information in the Program Summary. Lost
Baggage Liaison
Traveler will pay benefits if an Insured's Checked Baggage is lost due
to theft or misdirection by a Common Carrier while the Insured is a
ticketed passenger on the Common Carrier during the Trip.
Liaison Traveler will reimburse the Insured, up to the Policy Period
maximum of $250 for the cost of replacement of the baggage and its
contents. All claims must be verified by the Common Carrier.
There is a maximum per article limit of $50. (This is an
excess benefit. Additional information in the Program Summary).
*
NOTE: In the event of Emergency Medical Evacuation, Repatriation of
Mortal Remains, Emergency Reunion, Political Evacuation and
Repatriation or Return of Minor Child(ren) benefit is needed,
arrangements must be made by the Assistance Company. Complete
details about required notification of the Assistance Company are
contained in the Program Summary. ASSISTANCE
SERVICES Upon
enrollment into Liaison Traveler, you are eligible to use any of the
assistance services listed in the Program Summary provided by the
Assistance Company. Pre-Trip
Assistance
- Telephone information about passports, visas; Telephone information
about health hazards in remote areas; Telephone information about
inoculations; Help in arranging special medical treatment facilities
needed while traveling. Medical
Assistance While Traveling
- 24-Hour telephone contact for travel medical emergencies, with
assistance in locating medical care; Arranging telephone conferences
between your attending and home physicians; Arranging second medical
opinions in hospital cases; Relaying emergency messages to family and
employer during medical emergencies; Guarantee or payment of medical
bills using your available financial resources; 24-hour ticketing
service to arrange family visits; Arranging emergency medical
evacuation from medically underserved areas; Arranging evacuation for
catastrophic claims; Arranging medical transportation home after
treatment; Arranging escorts and transportation for unaccompanied
children; Arranging transfer of medical records; Arranging
repatriation of remains for deceased travelers; Notify your health
insurer of a claim. General
Travel Assistance
- 24 hour telephone contact for baggage and other travel problems;
Advice on handling losses and delays; Follow-up contact with airlines
regarding baggage; Help with lost passports, ticket and documents;
Guarantee or payment of emergency expenses using your available
financial resources; Arranging shipments of forgotten, lost or stolen
items; Relaying emergency messages. EXCLUSIONS For
Accidental
Death and Dismemberment, Emergency Medical Evacuation, Repatriation of
Mortal Remains, Emergency Reunion, Return of Dependent Child,
this insurance does not cover: 1.
Suicide or attempt thereof by the Insured Person while sane or
self destruction or any attempt thereof by the Insured Person while
insane; 2.
Disease of any kind; bacterial infections except pyogenic
infection which shall occur through an accidental cut or wound; hernia
of any kind; (Only applicable for Accidental Death &
Dismemberment) 3.
Injury sustained while the Insured Person is riding as a pilot,
student pilot, operator or crew member, in or on, boarding or
alighting, from any type of aircraft; as a passenger in any aircraft
(a) not having a current and valid airworthy certificate and (b) not
piloted by a person who holds a valid and current certificate of
competency for piloting such aircraft; 4.
Declared or undeclared war or any act thereof; service in the
military, naval or air service of any country; 5.
Flying in any aircraft being used for or in connection with
acrobatic or stunt flying, racing or endurance tests; rocket-propelled
aircraft; crop dusting or seeding or spraying, fire fighting,
exploration, pipe or power line inspection, any form of hunting or
herding, aerial photography, banner towing or any experimental
purpose; engaged in any flight which requires a special permit or
waiver from the authority having jurisdiction over civil aviation,
even though granted. For
Political
Evacuation and Repatriation,
this insurance does not cover: 1) Losses recoverable under any
other insurance or through an employer; 2) Losses arising from or
attributable to a) dishonest or criminal acts committed or attempted
by the insured, b) alleged violation of the laws of the host country,
unless the company determines such allegations to be fraudulent, or c)
failure to maintain required documents or visas; 3) Losses
attributable to a ) debt, insolvency, commercial failure, or the
repossession of any property, b) insured's non-compliance with a
contract or license or c) implementation of legally contributed
exchange rates; 4) Losses due to liability assured by the insured
under any contract. For
Trip Interruption, this
insurance does not cover: 1) war or any act of war, whether declared
or not; participation in a felony, riot or insurrection; participation
in contests of speed; a Pre-existing Condition existing prior to the
Insured's departure from their Home Country that has the likelihood of
causing death to any immediate family member. For
Lost Baggage, this
insurance does not cover: animals; automobiles or automobile
equipment; boats; motors; motorcycles; other conveyances or their
appurtenances (except bicycles while checked as baggage with a Common
Carrier); household furniture; eye glasses or contact lenses;
artificial teeth or dental bridges; hearing aids; prosthetic limbs;
musical instruments; money or securities; tickets or documents; or
sporting equipment if loss or damage results from the use thereof. For the Personal Liability Program, the Company shall not pay for liability arising from: (1) Damages to the property of or to any person who is the Insured Person’s relative or employee or deemed by law to be his/her employee. (2) Damages to property which belongs to the Insured Person or is in his/her custody or control or possession. (3) Damages relating to any liability assumed under contract. (4) Damages related to the willful, malicious or unlawful act on the part of the Insured Person. (5) The ownership, possession or use of vehicles, aircraft, firearms or animals. (6) The undertaking of any trade, business or profession. (7) Any criminal proceedings. (8) Judgments which are not in the first instance delivered by or obtained from a Court of competent jurisdiction within the place of origin of the trip. ENROLLING
IN LIAISON TRAVELER 1.
Complete Entire Application 2.
Select method of payment. 3.
If paying by check or money order, make payable to:
"SRI" and enclose it together with completed Application. 4.
If paying by credit card, complete Application and mail or fax
to SRI. Be sure to sign Method of Payment section.
PREMIUMS
(Effective October 1, 2002)
Refund
of Premium Refund
of premium (minus the Admin Fee) shall be considered only if written
request is received by SRI prior to the Effective Date of Coverage.
After the Effective Date of Coverage, the premium is considered fully
earned and non-refundable. What
You Will Receive Upon
successful enrollment in Liaison Traveler, you will receive an
information packet from SRI. This packet will include your ID
Card and Program Summary. The Program Summary describes all the
benefits of Liaison Traveler in complete detail. In addition,
the Program Summary tells you the procedure for submitting claims. The
Insurance Company Liaison
Traveler is underwritten by The Insurance Company of the State of
Pennsylvania, a member company of the American International Group of
Companies (AIG)
. With more than $800 billion in assets and approximately $80
billion in shareholders' equity, AIG is the one of the strongest and
most stable insurance and financial services organizations in the
world.
Copyright
1998 - 2006 by Specialty Risk International, Inc.
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