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TRAVEL INSURANCE

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TRAVEL INSURANCE

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Contents

 * How does it work?
 * Summary of your coverages
    * You’re covered if...
    * You’re not protected if...
    * How claims work
    * Cancellation, changes and refunds

 * Plan Issuer
 * Policy Wording
 * Insurance disclaimer
 * Trade Sanction Notice


HOW DOES IT WORK?

COVERAGE IS PROVIDED FOR MANY UNEXPECTED EVENTS THAT CAN HAPPEN BEFORE OR DURING
YOUR TRIP.

Coverage may be provided if you, a traveling family member, or a traveling
companion contract COVID-19 and plan requirements are met. Eligible coverages
can include Trip Cancellation prior to your scheduled departure, and Trip
Interruption, Travel Delay, Medical and Dental, and Emergency Assistance and
Transportation coverage during your trip.

XCover.com’s Travel Protection is sold through our partner Booking.com.

Your plan is valid from Feb. 24, 2024.

The following is a high-level summary.

Please review your plan documents carefully for full coverage information.


SUMMARY OF YOUR COVERAGES


YOU’RE COVERED IF...

 * You have to cancel, interrupt or cut short your trip because you or a close
   relative becomes sick or injured. Covid-19 is covered the same as any other
   illness.

 * You need urgent or unplanned medical treatment for an illness or injury,
   including Covid-19, while traveling.

 * You incur certain “out of pocket” costs because your baggage was delayed or
   stolen.

 * Loss of life, limb, or sight occurs resulting from an injury caused by a
   flight accident during your trip.

The coverages have limits, which is the maximum amount payable for each benefit:

BenefitLimitExcess
Trip cancellation
US$654.55
—
Trip Interruption
US$981.83?
—
Travel Delay (beyond 12 hours)
US$5000.00US$500.00 per person
—
Daily limit of $100 per person

—
Baggage Coverage
US$5000.00US$500.00 per person
—
Baggage Delay (beyond 6 hours)
US$2000.00US$200.00 per person
—
Accidental Death and Dismemberment - Air Flight Accident
US$50000.00US$25000.00 per person
—
Emergency Medical and Dental Expenses
US$50000.00US$25000.00 per person
—
Medical Evacuation and Repatriation of Remains
US$50000.00US$25000.00 per person
—
Ancillary Evacuation
US$25000.00US$25000.00 per person
—
Single Supplement
US$300.00
—
Frequent Traveler Rewards
US$300.00
—

This insurance contains additional terms, conditions and exclusions. Please
review your plan documents.


YOU’RE NOT PROTECTED IF...

 * The claim happened before you purchased your plan or it was foreseeable that
   a claim would occur.

 * You or your traveling companion were not medically fit to travel at the time
   you purchased the plan.

 * Another source already covered the loss.


HOW CLAIMS WORK

 * For medical emergencies and assistance with your medical care please call
   XCover Assist: while in the US or Canada at +1-833-548-0741. Outside the US
   or Canada: +1-814-559-4864. (available 24 hours a day).
 * For everything else, please visit xcover.com/claim to start your claim.
 * Provide a detailed description of the event.

For all claims we require, as a minimum, a detailed description of the event. We
may request documents during the claim process such as booking invoices and
receipts. If required documents are not provided to us the claim may be rejected
or the status changed to “Pending”.


CANCELLATION, CHANGES AND REFUNDS

To make a change to your policy please go to xcover.com/account.

Because some of the benefits of this policy are immediate (you’re covered prior
to departure), this policy cannot be canceled outside the “free look period” of
10 days.


PLAN ISSUER

The travel insurance producer for this plan, offered through its platform
XCover.com, is Cover Genius Insurance Services, LLC. Its license information is
available here, appointed by United States Fire Insurance Company, NAIC #21113,
in all states where required. Booking.com is a travel retailer who receives a
fee for the purchase of the plan.


POLICY WORDING

In order to provide the applicable plan documentation, please select the plan
purchaser's state of residence at the time of purchase.

 * Residents of Illinois click here.
 * Residents of Indiana click here.
 * Residents of Missouri click here.
 * Residents of Montana click here.
 * Residents of New Hampshire click here.
 * Residents of New York click here.
 * Residents of Oregon click here.
 * Residents of Pennsylvania click here.
 * Residents of Washington click here.
 * Residents of all other states click here.


INSURANCE DISCLAIMER

This advertisement contains highlights of a travel protection plan, which
include travel insurance coverages underwritten by United States Fire Insurance
Company under form series T7000 et. al., T210 et. al. and TP-401 et. al.  The
Crum & Forster group of companies is rated A (Excellent) by AM Best 2022. C&F
and Crum & Forster are registered trademarks of United States Fire Insurance
Company. The plan also contains non-insurance Travel Assistance Services
provided by Cover Genius Insurance Services, LLC, a Delaware limited liability
company. Coverages may vary and not all coverage is available in all
jurisdictions. Insurance coverages are subject to the terms, limitations and
exclusions in the plan, including an exclusion for pre-existing conditions. In
most states, your travel retailer is not a licensed insurance producer/agent,
and is not qualified or authorized to answer technical questions about the
terms, benefits, exclusions, and conditions of the insurance offered or to
evaluate the adequacy of your existing insurance coverage. Your travel retailer
may be compensated for the purchase of a plan and may provide general
information about the plans offered, including a description of the coverage and
price. The purchase of travel insurance is not required in order to purchase any
other product or service from your travel retailer. CA DOI toll free number:
800-927-4357. The cost of your plan is for the entire plan, which consists of
both insurance and non-insurance components. Individuals looking to obtain
additional information regarding the features and pricing of each travel plan
component, please contact Cover Genius. Address: 11 West 42nd Street, 2nd Floor,
New York, NY 10036; license and contact information available here.


TRADE SANCTION NOTICE

Any payments under the policy will only be made in full compliance with all
United States of America economic or trade sanction laws or regulations,
including, but not limited to, sanctions, laws and regulations administered and
enforced by the U.S. Treasury Department’s Office of Foreign Assets Control
(“OFAC”). Therefore, any expenses incurred or claims made involving travel that
is in violation of such sanctions, laws and regulations will not be covered
under the policy.
For more information, you may consult the OFAC internet website at
www.treas.gov/offices/enforcement/ofac/.

© 2024 XCover.com

 * Terms & Conditions
 * Privacy Policy


GOT XCOVER PROTECTION?

IF YOU HAVE PURCHASED A PROTECTION PLAN FROM ONE OF OUR PARTNERS, LOG IN WITH
THE SAME EMAIL ADDRESS YOU USED ON THEIR WEBSITE OR APP.

IF YOU USED YOUR APPLE ACCOUNT TO PURCHASE XCOVER PROTECTION OR IF YOU’RE
LOGGING IN FOR THE FIRST TIME, YOU NEED TO FIND THE EMAIL CONFIRMATION SENT FROM
XCOVER. CLICK THE LINK IN THE EMAIL TO ACTIVATE YOUR ACCOUNT.

LOGIN IN TO YOUR XCOVER ACCOUNT TO

 * MAKE CHANGES TO YOUR POLICY
 * FILE A CLAIM OR LEARN MORE ABOUT THE CLAIM PROCESS

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