Emergency Medical Evacuation and Repatriation. The Company will pay transportation and related medical Expenses incurred during such transportation up to the amount set forth in the Schedule of Benefits if any covered Injury or Illness commences while You are outside Your Home Country during the Period of Coverage and results in Your Medically Necessary (i) Emergency Medical Evacuation or (ii) Emergency Medical Repatriation. All transportation arrangements must be by the most direct and economical route. The Emergency Medical Evacuation or Emergency Medical Repatriation must be arranged by Seven Corners Assist in consultation with Your local attending Physician. Failure to utilize Seven Corners Assist will result in the denial of benefits. If ongoing medical care is needed, and your attending physician states you are fit to travel, the Assistance Company has the right to require evacuation back to your home country for that ongoing medical care. If this decision is made and you choose not to travel back to your home country, any further costs beyond that point cannot be claimed under this policy. Additionally, the exclusions set forth in Section 5 apply to the coverage provided by the Certificate under this Section 3.1.

Return of Mortal Remains. The Company will pay up to the amount set forth in the Schedule of Benefits for the reasonable expenses incurred for embalming, a minimally-necessary container appropriate for transportation, shipping costs, and the necessary government authorizations to return Your remains to Your Home Country if You die while outside Your Home Country during the Period of Coverage from an Illness or Injury covered under this Insurance. The return of mortal remains must be arranged by Seven Corners Assist. Failure to utilize Seven Corners Assist will result in the denial of benefits. Additionally, the exclusions set forth in Section 5 apply to the coverage provided by the Certificate under this Section 3.2.

Political Evacuation and Repatriation. The Company will arrange and pay up to the amount set forth in the Schedule of Benefits for reasonable and necessary expenses incurred for (i) Your Political Evacuation and/or (ii) Your Political Repatriation by means of a one-way economy class airfare. Political Evacuation and/or Political Repatriation must occur within ten(10) days of the events causing the necessity for such action. The means of transportation will be the most appropriate and economical under the circumstances for Your health and safety. Such expenses will be paid once for You per occurrence. If You fail to heed a Level 3 Terrorism,Level 3 Civil Unrest, or any Level 4 Travel Advisory issued by the United States Department of State or similar warnings issued by other appropriate authorities of either Your Host Country or Your Home Country recommending that travelers avoid a certain country, region, or specific areas or locations within a country, benefits are not covered and will be denied. Additionally, the Political Evacuation or Political Repatriation must be arranged by Seven Corners Assist. Failure to utilize Seven Corners Assist will result in the denial of benefits.

The coverage provided by the Certificate under this Section 3.3 excludes Expenses:

1. Recoverable under any other insurance or through an employer;
2. Arising from or attributable to:
   1. Dishonest or criminal acts committed or attempted by You;
   2. Alleged violation of the laws of the Host Country by You unless the Company, in its sole discretion, determines such allegations to be fraudulent;
   3. Your failure to maintain required documents or visas;
   4. Debt, insolvency, commercial failure, or the repossession of any property;
   5. Your non-compliance with a contract or license; and
   6. Implementation of illegally contributed exchange rates.
3. Due to liability assured or assumed by You under any contract; or
4. For arrangements not made by Seven Corners Assist.

Additionally, the exclusions set forth in Section 5 apply to the coverage provided by the Certificate under this Section 3.3.

Natural Disaster Daily Benefit. The Company will reimburse You for replacement accommodations up to the amount set forth in the Schedule of Benefits if You are Displaced from planned, paid accommodations due to an evacuation from a forecasted Natural Disaster or following a Natural Disaster. To receive reimbursement, You must provide proof of payment for the original planned, paid accommodations. This benefit is not payable for Natural Disasters that occur or are forecasted to occur within the United States.

Travel Assistance Services. Upon enrollment, You are eligible to use any of the assistance services provided by Seven Corners Assist. These services are available twenty-four (24) hours per day, three hundred sixty-five (365) days per year. Multilingual personnel, physicians, and nurses are on staff and can assist with, among other things, emergency situations and locating medical facilities.

Baggage Delay / Baggage Delivery (Outward Journey Only). The Company will pay up to the amount set forth in the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than 24 hours, while on a Covered Trip.

If Your checked Baggage is delayed after You have reached Your destination and the Common Carrier makes a charge for delivery, The Company will pay the reasonable cost up to the amount set forth in the Schedule of Benefits to deliver Your checked Baggage to Your destination. A copy of the delivery invoice and verification of the delay or misdirection by the Common Carrier must be submitted with the claim.

You must be a ticketed passenger on a Common Carrier. All claims must be verified by the Common Carrier who must certify the delay or misdirection and receipts for the purchase or replacement of necessary personal effects must accompany any claim.

The coverage provided by the Certificate under this Section excludes Expenses for loss or damage to:

1. Animals;
2. Automobiles and automobile equipment;
3. Boats or other vehicles or conveyances;
4. Trailers, motors, motorcycles, or aircraft;
5. Eyeglasses, sunglasses, or contact lenses;
6. Artificial teeth and dental bridges;
7. Hearing aids;
8. Prosthetic limbs;
9. Keys, money, stamps, securities, and documents;
10. Tickets;
11. Art objects and musical instruments;
12. Consumables, including medicines, perfumes, cosmetics, and perishables;
13. Professional or occupational equipment or property, whether or not electronic business equipment;
14. Telephones,computers,or software;
15. Property illegally acquired, kept, stored, or transported.

The coverage provided by the Certificate under this Section excludes Expenses caused by or resulting from:

1. Wear and tear or gradual deterioration;
2. Insects or vermin;
3. Inherent vice or damage while the article is being worked upon or processed;
4. Confiscation or expropriation by order of any government;
5. Radioactive contamination;
6. War or any act of war whether declared or not;
7. Property shipped as freight or shipped prior to scheduled departure date;
8. Loss of market value;
9. Indirect or consequential loss or damage of any kind;
10. Theft or pilferage while left unattended in any vehicle if the vehicle is not properly secured;
11. Electrical current including electric arching that damages or destroys electrical devices or appliances;
12. Mysterious disappearance.

Loss or Theft of Passport and Travel Documents. The Company will reimburse You up to the amount set forth in the Schedule of Benefits for loss of passport or travel documents and assist You in attaining a new passport provided You have taken all reasonable measures to protect, save and/or recover Your property at all times. The documents must be owned by and accompany You at all times with the exception of times when documents are checked with a Common Carrier, or locked in a hotel safe when available, or left out-of-sight in Your locked hotel room. You must provide Proof of Loss from the Common Carrier or a police report from the jurisdiction where the theft occurred.

This coverage is secondary to any coverage provided by a Common Carrier. You must file a formal claim with the Common Carrier and provide the Company with copies of all claim forms and proof that the Common Carrier paid its normal reimbursement. If the replacement cost has already been received from the Common Carrier, Seven Corners Assist will provide assistance in the replacement process.

For instances of theft, documentation of the theft must be submitted at the time of claim in the form of a report by the police or other local authority.

This benefit does not cover:

1. Prescriptions for medication, stamps, stocks, bonds, gift certificates, cash, traveler’s checks, gift cards, any form of money or currency or promise of future assets;
2. Costs incurred before departure of after You return home or any cost that is due to any errors or omissions on Your travel documents or money exchange;
3. Expenses for any missed travel or accommodation arrangements as a result of Your passport being lost or stolen.

Accidental Death and Dismemberment (AD&D). The Company will pay indemnity determined from the table below if You sustain a Loss stated therein resulting from Injury suffered from an Accident during the Period of Coverage and subject to the exclusions set forth in Section 5, provided that (i) such Loss occurs within three hundred sixty-five (365) days after the date of Accident causing such Loss; (ii) the indemnity payable for any such Loss shall be the Principal Sum stated on the Schedule of Benefits as applicable to You and this Insurance; and (iii) if more than one (1) Loss stated in the table of Losses is sustained as the result of one (1) Accident, only one (1) of the amounts, the largest, will be paid. For the purposes of this benefit, member shall mean hand, foot, or eye.

Loss of life
Loss of two members Loss of one member
Principal Sum Principal Sum
50% of Principal Sum

The total amount payable under this Section 4.2 when there are multiple Insured Persons covered by the Certificate is the Aggregate Limit as set forth in the Schedule of Benefits. If the total of such indemnity exceeds the Aggregate Limit, the Company will not be liable to any Insured Person for a greater proportion of such Insured Person’s indemnity afforded by the Accidental Death and Dismemberment benefit than their proportionate share.

For loss of life, the benefit will be paid to the beneficiary designated in writing by You. If no beneficiary is designated or if the beneficiary is no longer living, the benefit will be paid to Your closest living Relative in the following order: (i) Spouse; (ii) Child(ren); (iii) issued of deceased Child(ren); (iv) parent(s); (v) siblings; (vi) issue of deceased siblings; (vii) grandparents; (viii) siblings of parents; or (ix) Your estate.

The coverage under this Section 4.4 excludes and does not cover Expenses that are for, resulting from, related to, or incurred in connection with the following:

1. Disease or sickness of any kind;
2. Bacterial infections except pyogenic infection that occurs through an Accidental cut or wound; or
3. Hernia of any kind.

Additionally, the exclusions set forth in Section 5 apply to the coverage provided by the Certificate under this Section 4.4.

Common Carrier Accidental Death and Dismemberment. The Company will pay an indemnity up to the amount set forth in the Schedule of Benefits if You die as the result of an Injury suffered from an Accident while You were traveling on a Common Carrier. Death must occur during the Period of Coverage and while You are riding as a passenger on a Common Carrier and not as a pilot, operator, or member of the crew. The benefit will be paid to the person determined by application of the relevant provisions of Section 4.4.

The total amount payable under this Section 4.5 when there are multiple Insured Persons covered by the Certificate is the Aggregate Limit as set forth in the Schedule of Benefits. If the total of such indemnity exceeds the Aggregate Limit, the Company will not be liable to any Insured Person for a greater proportion of such Insured Person’s indemnity afforded by the Common Carrier Accidental Death and Dismemberment benefit than their proportionate share.

Additionally, the exclusions set forth in Section 5 apply to the coverage provided by the Certificate under this Section 4.5.

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