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U.S. COVERAGE ALERT – 2019 NOVEL CORONAVIRUS / COVID-19

Updated January 19, 2023

COVID-19 is a known and evolving epidemic that is affecting travel worldwide,
with continued spread and impacts expected. COVID-19 became a known event on
January 22, 2020 and was recognized as an epidemic as of February 3, 2020.

Allianz Global Assistance is currently assisting customers 24/7/365 who wish to
change their travel plans, need travel assistance or would like to file a claim.
We are here to fully understand the nature of your situation and provide
assistance and applicable coverage under your plan. Our assistance team is ready
to help all of our customers who need help while traveling, such as locating
medical facilities or rebooking transportation.

We urge any customer who has a medical issue while traveling or who has any
other question regarding their plan to call us or contact us online. We review
every claim based on its unique facts and circumstances and are happy to answer
any questions you may have.

EPIDEMIC-RELATED COVERAGE AND SPECIAL PLAN ACCOMMODATIONS FOR COVID-19

Claims due to known, foreseeable, or expected events, epidemics, government
prohibitions, warnings, or travel advisories or fear of travel are generally not
covered, and coverage can vary by state. However, we are pleased to announce the
addition of epidemic-related covered reasons to some of our most popular
insurance plans in response to COVID-19.

For plans that include the new Epidemic-Related Covered Reasons:
New covered reasons have been added for certain specific epidemic-related
situations. Please refer to plan details for more information.

These covered reasons may not be available for all plans or in all
jurisdictions. To see if your plan includes these covered reasons, please review
the covered reasons under each of your plan’s benefits, including any
endorsements your plan may include. You can view your plan’s benefits and any
endorsements before you purchase by clicking the link in your online insurance
offer or by requesting this information from us or your travel agent. After
purchase, you can view this information in the plan materials we send to you or
on our website.

Terms, conditions, and exclusions apply. These epidemic-related covered reasons
do not cover all epidemic-related situations or losses. See your plan for
details.

Temporary Claim Accommodations:
For a temporary period in response to the ongoing public health and travel
crisis, we are currently accommodating claims under plans that do not include
the new epidemic-related coverage for:

 1. Emergency medical care for an insured who becomes ill with COVID-19 while on
    their trip (if your plan includes the Emergency Medical Care benefit and)
 2. Trip cancellation and trip interruption if an insured, or that insured’s
    traveling companion or family member, becomes ill with COVID-19 either
    before or during the insured’s trip (if your plan includes Trip Cancellation
    or Trip Interruption benefits, as applicable, and )

If an insured or their traveling companion become ill with COVID-19 while on
their trip, that insured will not be subject to the Trip Interruption benefit’s
five-day maximum limit for additional accommodation and transportation expenses
(however, the maximum daily limit for such expenses and the maximum Trip
Interruption benefit limit still apply).

The accommodations described in this coverage alert are strictly applicable to
COVID-19 and are only available for customers whose plan includes the applicable
benefit. All other terms, conditions, and exclusions of the plan apply as
normal. All plans continue to generally exclude losses for epidemics, including
COVID-19, except as expressly covered under a specific benefit of that plan.
Availability of accommodations may be subject to any refund or reimbursement you
receive from your supplier or other source. All benefits are subject to maximum
limits of liability, which may in some cases be subject to sublimits, day
limits, and daily maximums. Please read your plan for details. These
accommodations apply to plans currently in effect but may not apply to plans
purchased in the future, so please refer to this coverage alert for the most up
to date information before purchasing your plan.

Please note, until changed in a future version of this Coverage Alert, the above
accommodations and other coverage for which you are otherwise eligible under
your plan continue to apply regardless of any U.S. Centers for Disease Control
and Prevention (CDC) and U.S. Department of State travel alerts regarding
COVID-19 that exist on the effective date of this Coverage Alert.

Please note, to confirm COVID-19 illness, we require a physician’s diagnosis or
confirmation, or the verified record of a positive molecular (e.g. PCR) or
antigen COVID-19 test performed by a third party testing service provider.

If you need help understanding your plan coverage, please contact us.

PLAN DATE CHANGE / REFUND ACCOMMODATIONS

Customers may change their travel protection plan’s effective dates to cover a
new or rescheduled trip, as long as that trip is scheduled to be completed
within 770 days from the plan’s original purchase date. Changes can be made at
www.etravelprotection.com or by calling the phone number on their plan.

Please note, if you wish to move your plan’s covered trip dates to cover a new
or rescheduled trip, you must update your trip dates prior to the departure date
of that new or rescheduled trip and prior to any loss for which you seek
coverage. Additionally, if your trip costs for your new or rescheduled trip are
different than the cost of your original trip, you will need to update your
plan’s coverage limits accordingly. Any change in trip cost insured for the new
or rescheduled trip may result in a change in premium. If you update your plan’s
trip dates to cover a new or rescheduled trip but do not adjust your limits, the
original plan limits will apply to the new or rescheduled trip.

Alternatively, for a temporary period, we are offering refunds for the cost of
your single-trip travel protection plan to customers who wish to cancel their
travel protection plan if the customer’s travel supplier canceled the customer’s
trip due to COVID-19, so long as no payable claim has been filed under the plan.
(This is not available for annual travel insurance plans, which may be cancelled
any time for a refund of unearned premium.) Please call us at the number listed
on your plan and we will be happy to assist you. Refunds must be requested
within 770 days of the original plan purchase date.

Unless earlier canceled or otherwise ended in accordance with its terms or the
accommodations stated here, plans end 770 days after the original plan purchase
date. Plans do not provide any coverage or accommodation for any loss incurred
after the plan ends.

PLANS PURCHASED WITH A SUPPLIER’S CANCELLATION FEE WAIVER

If you purchased an Allianz Global Assistance travel protection plan in
conjunction with a travel cancellation fee waiver offered by a travel supplier,
please contact your travel supplier for questions and coverage information
related to trip cancellation under that waiver.

Please note, the above refunds, opportunities to change dates, and other
accommodations may not be available for any third party travel cancellation fee
waiver you purchased from your travel supplier.

MORE INFORMATION:

Customers should contact their travel provider prior to canceling their travel
arrangements. Some airlines and other travel suppliers may allow customers to
cancel their trip and receive a refund or change their dates of travel without
change fees when traveling to a destination affected by COVID-19.

While traveling, customers should take their travel insurance information with
them, including plan number/details and our toll-free travel assistance phone
number. This information can also be accessed via our free mobile app for
customers who connect the app to their account. Customers should also review
their plan to learn details about their coverage.

For additional questions related to our insurance plans and COVID-19, please
visit our COVID-19 FAQ’s.

For more information about COVID-19 specifically, please visit the World Health
Organization’s website at
https://www.who.int/emergencies/diseases/novel-coronavirus-2019, the CDC’s
website at https://wwwnc.cdc.gov/travel/noticescovid19, or consult your medical
professional.

The information in this Coverage Alert is current as of the time of publication
but is subject to change as the situation develops. Please visit
AllianzTravelInsurance.com for the latest coverage information.

Event Ticket policyholders, please see our Event Ticket COVID-19 Coverage Alert.

Please note, the above-described accommodations are an explicit and limited
expression of donative intent only, which is for only the limited purposes
expressly specified here and for no other further purpose, express or implied.
Further, it is expressly not a guarantee of coverage or admission of legal or
equitable liability. Nothing contained or described here, nor any payment made
pursuant to the position described here, is or should be construed to be a
waiver of any term, condition, or exclusion of any plan, or any applicable
rights, remedies, or defenses under any plan or at law or equity. We and our
applicable underwriters and reinsurers reserve all rights, remedies, and
defenses under the plan and under applicable law and at equity.Terms,
conditions, and exclusions apply to all plans. Benefits and limits vary by plan.
For a complete description of the coverage and benefit limits offered under your
specific plan, carefully review your plan’s Letter of Confirmation/Declaration
of Coverage and Certificate of Insurance/Policy. Insurance benefits underwritten
by BCS Insurance Company, or Jefferson Insurance Company, depending on your
state of residence and plan chosen. Plans only available to U.S. residents and
may not be available in all jurisdictions. Allianz Global Assistance and Allianz
Travel are marks of AGA Service Company dba Allianz Global Assistance or its
affiliates. Allianz Travel, Event Ticket, and Registration insurance products
are distributed by Allianz Global Assistance, the licensed producer and
administrator of these plans and an affiliate of Jefferson Insurance Company.
The insured shall not receive any special benefit or advantage due to the
affiliation between Allianz Global Assistance and Jefferson Insurance Company.
Plans include insurance benefits and assistance services. Any Non-Insurance
Assistance services purchased are provided through Allianz Global Assistance.
Any non-insurance travel cancellation fee waiver purchased is provided by the
travel supplier from whom you purchased that travel cancellation fee waiver.
Except as expressly provided under your plan, you are responsible for charges
you incur from third parties.

Copyright © 2023 Allianz Partners. All rights reserved. | Privacy | Covered
Suppliers

Terms, conditions, and exclusions apply. Please see your plan for full details.
Benefits/Coverage may vary by state, and sub-limits may apply.

*Rental Car Damage and Theft Coverage, when purchased as part of an annual plan,
is not available to KS, TX, and NY residents.

*For WA residents, Rental Car Damage and Theft Coverage may not be available in
all plans. See your plan details for additional information.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative
Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A-”
(Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series,
or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive,
Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson
Form No. 101-C series or 101-P series, depending on your state of residence and
plan chosen. Plans only available to U.S. residents and may not be available in
all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are
marks of AGA Service Company dba Allianz Global Assistance or its affiliates.
Allianz Travel Insurance products are distributed by Allianz Global Assistance,
the licensed producer and administrator of these plans and an affiliate of
Jefferson Insurance Company. The insured shall not receive any special benefit
or advantage due to the affiliation between AGA Service Company and Jefferson
Insurance Company. Plans include insurance benefits and assistance services. Any
Non-Insurance Assistance services purchased are provided through AGA Service
Company. Except as expressly provided under your plan, you are responsible for
charges you incur from third parties. Contact AGA Service Company at
800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or
customerservice@allianzassistance.com.

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