Certificate of Insurance for

R(GR40 GROUP GUAR CERT) J2328 - 0603

FOR CERTIFICATE INQUIRIES OR CUSTOMER SERVICE, CALL:(800) 348-9505

FOR EMERGENCY ASSISTANCE24 HOURS A DAY DURING YOUR TRIP, CALL:

I N T H E U . S .

(866) 816-2068

C O L L E C T W O R L D W I D E

(603) 328-1737

CSA GROUP GUARANTEE

This plan is administered by CSA Insurance Services.

TAHC5000GES 1

INSURANCE COVERAGES

COVERAGES COVERAGE MAXIMUM

Trip Cancellation $100% of Trip Cos

Trip Interruption $150% of Trip Cost

Travel Delay $750 ($150 per day)

Baggage Loss $1,000

Baggage Delay $200

Travel Accident (AD&D) $10,000

Medical $10,000

Emergency Assistance $50,000

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Who is Eligible for Coverage?A person who has arranged to take a Covered Trip, pays therequired plan payment, and is a resident of the UnitedStates of America or Canada.

When Coverage BeginsAll coverages (except Pre-Departure Trip Cancellation andPost-Departure Trip Interruption) will take effect on the laterof 1) The date the plan payment has been received by ourauthorized agent; 2) The date and time you start yourCovered Trip; or 3) 12:01 A.M. Standard Time on theScheduled Departure Date of your Covered Trip.

Pre-Departure Trip Cancellation coverage will take effect at12:01 A.M. Standard Time on the day after the date yourplan payment is received. Post-Departure Trip Interruptioncoverage will take effect on the Scheduled Departure Dateof your Covered Trip if the required plan payment isreceived.

When Coverage EndsYour coverage automatically ends on the earlier of:

1. The date the Covered Trip is completed;

2. The Scheduled Return Date;

3. Your arrival at the return destination on a round trip, orthe destination on a one-way trip;

4. Cancellation of the Covered Trip covered by the plan.

SUMMARY OF COVERAGES

Pre-Departure Trip CancellationWe will pay a Pre-Departure Trip Cancellation Benefit, up tothe amount in the Schedule, if you are prevented fromtaking your Covered Trip due to your, a Family Member's orTraveling Companion's, Sickness, Injury, or death, thatoccurs before departure on your Covered Trip. The Sicknessor Injury must: a) Commence while your coverage is ineffect under the plan; b) Require the examination andtreatment by a Physician, in person, at the time the CoveredTrip is canceled; and c) In the written opinion of the treatingPhysician, be so disabling as to prevent you from takingyour Covered Trip.

We will pay a benefit if you are prevented from taking yourCovered Trip due to Other Covered Events, as defined, thatoccur before departure on your Covered Trip.

Pre-Departure Trip Cancellation BenefitsWe will reimburse you, up to the amount in the Schedule,for the amount of forfeited, prepaid, non-refundable, non-refunded, and published payments or deposits that you paidfor your Covered Trip. We will pay your additional cost as aresult of a change in the per-person occupancy rate forprepaid travel arrangements if a Traveling Companion'sCovered Trip is canceled and your Covered Trip is notcanceled.

3Post-Departure Trip InterruptionWe will pay a Post-Departure Trip Interruption Benefit, up tothe amount in the Schedule, if: 1) Your arrival on yourCovered Trip is delayed beyond the Scheduled DepartureDate; or 2) You are unable to continue on your Covered Tripafter you have departed on your Covered Trip due to your,Family Member's or Traveling Companion's, Sickness,Injury, or death. For item 1) above, the Sickness or Injurymust: a) Commence while your coverage is in effect underthe plan; b) For item 2 above, commence while you are onyour Covered Trip and your coverage is in effect under theplan; and c) For both items 1 and 2 above, require theexamination and treatment by a Physician, in person, at thetime the Covered Trip is interrupted or delayed; and d) Inthe written opinion of the treating Physician, be so disablingas to delay your arrival on your Covered Trip or to preventyou from continuing your Covered Trip.

We will pay a benefit if: 1) Your arrival on your CoveredTrip is delayed beyond the Scheduled Departure Date; or2) You are unable to continue on your Covered Trip afteryou have departed on your Covered Trip due to OtherCovered Events, as defined.

We will reimburse you, less any refund paid or payable, forunused land or water travel arrangements, plus one of thefollowing:

1. The additional transportation expenses by the mostdirect route from the point you interrupted your CoveredTrip:

a. To the next scheduled destination where you can catchup to your Covered Trip; or

b. To the final destination of your Covered Trip; or

2. The additional transportation expenses incurred by youby the most direct route to reach your original Covered Tripdestination if you are delayed and leave after the ScheduledDeparture Date.

However, the benefit payable under 1 and 2 above will notexceed the cost of a one-way economy air fare (or firstclass, if the original tickets were first class) by the mostdirect route less any refunds paid or payable for yourunused original tickets.

3. Your additional cost as a result of a change in the per-person occupancy rate for prepaid travel arrangements if aTraveling Companion's Covered Trip is interrupted and yourCovered Trip is continued.

Travel DelayIf your Covered Trip is delayed for 12 hours or more, we willreimburse you, up to the amount shown in the Schedule forreasonable additional expenses incurred by you for hotelaccommodations, meals, telephone calls and localtransportation while you are delayed. We will not pay benefitsfor expenses incurred after travel becomes possible.

Travel Delay must be caused by or result from: CommonCarrier delay; or loss or theft of your passport(s), travel

documents or money; or quarantine; or hijacking; or naturaldisaster; or closure of public roadways by governmentauthorities due to adverse weather; or a documented trafficaccident while you are en route to departure; orunannounced strike; or a civil disorder; or you, a FamilyMember traveling with you, or a Traveling Companion'sInjury or Sickness; or a Family Member traveling with you ora Traveling Companion's death.

Accidental Death and DismembermentWe will pay this benefit up to the amount on the Schedule ifyou are injured in an Accident which occurs while you are ona Covered Trip and covered under the plan, and you sufferone of the losses listed below within 365 days of theAccident. The Principal Sum is the benefit amount shown onthe Schedule.

We will pay 100% of the principal sum for the loss of: life;both hands or feet, or sight of both eyes; one hand and onefoot; or one hand or one foot and sight of one eye. We willpay 50% of the principal sum for loss of: one hand or onefoot, or sight of one eye.

If you suffer more than one loss from one Accident, we willpay only for the loss with the larger benefit. Loss of a handor foot means complete severance at or above the wrist orankle joint. Loss of sight of an eye means complete andirrecoverable loss of sight.

Exposure and DisappearanceIf by reason of an Accident covered by the certificate, youare unavoidably exposed to the elements and as a result ofsuch exposure suffer a loss for which benefits areotherwise payable, such loss shall be covered hereunder.

If you are involved in an Accident which results in thesinking or wrecking of a conveyance in which you were ridingand your body is not located within one year of suchAccident, it will be presumed that you suffered loss of liferesulting from Injury caused by the Accident.

Medical or Dental Expense Benefits We will pay this benefit, up to the amount on the Schedule forthe following Covered Expenses incurred by you, subject tothe following: 1) Covered Expenses will only be payable at theUsual and Customary level of payment; 2) Benefits will bepayable only for Covered Expenses resulting from a Sicknessthat first manifests itself or an Injury that occurs while on aCovered Trip; 3) Benefits payable as a result of incurredCovered Expenses will only be paid after benefits have beenpaid under any Other Valid and Collectible Group Insurance ineffect for you or in accordance with the coordination ofbenefits provision, which is set forth below in jurisdictionswhere excess coverage provisions are not permitted. We willpay that portion of Covered Expenses which exceeds theamount of benefits payable for such expenses under yourOther Valid and Collectible Group Insurance.

Please refer to the Definitions for an explanation of Pre-Existing Conditions which are excluded under the Medicalor Dental Expense Benefits.

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Covered Expenses: 1. Expenses for the following Physician-ordered medicalservices: services of legally qualified Physicians andgraduate nurses, charges for Hospital confinement andservices, local ambulance services, prescription drugs andmedicines, and therapeutic services, incurred by you withinone year from the date of your Sickness or Injury;

2. Expenses for emergency dental treatment incurred by youduring a Covered Trip.

Your duties in the event of a Medical or Dental Expense:1. You must provide us with all bills and reports for medicaland/or dental expenses claimed.

2. You must provide any requested information, includingbut not limited to, an explanation of benefits from any otherapplicable insurance.

3. You must sign a patient authorization to release anyinformation required by us, to investigate your claim.

Emergency Assistance Benefits We will pay this benefit, up to the amount on the Schedulefor the following Covered Expenses incurred by you, subjectto the following: 1) Covered Expenses will only be payable atthe Usual and Customary level of payment; 2) Benefits willbe payable only for Covered Expenses resulting from aSickness that first manifests itself or an Injury that occurswhile on a Covered Trip; 3) Benefits payable as a result ofincurred Covered Expenses will only be paid after benefitshave been paid under any Other Valid and Collectible GroupInsurance in effect for you or in accordance with thecoordination of benefits provision, which is set forth belowin jurisdictions where excess coverage provisions are notpermitted. We will pay that portion of covered expenseswhich exceeds the amount of benefits payable for suchexpenses under your Other Valid and Collectible GroupInsurance.

Covered Expenses: 1.Expenses incurred by you for Physician-ordered emergencymedical evacuation, including medically appropriatetransportation and necessary medical care en route, to thenearest suitable Hospital, when you are critically ill orinjured and no suitable local care is available, subject to theProgram Medical Advisors prior approval;

2.Expenses incurred for non-emergency medical evacuation,including medically appropriate transportation and medicalcare en route, to a Hospital or to your place of residence inthe United States of America or Canada, when deemedmedically necessary by the attending Physician, subject tothe Program Medical Advisors prior approval;

3. Expenses for transportation, not to exceed the cost ofone round-trip economy class air fare, to the place ofhospitalization for one person chosen by you, provided thatyou are traveling alone and are hospitalized for more than 7days;

4. Expenses for transportation, not to exceed the cost ofone-way economy class air fare, to your place of residencein the United States of America or Canada, including escort

expenses, if you are 18 years of age or younger and leftunattended due to the death or hospitalization of anaccompanying adult(s);

5. Expenses for one-way economy class air fare (or firstclass, if your original tickets were first class) to your placeof residence in the United States of America or Canada,from a medical facility to which you were previouslyevacuated, less any refunds paid or payable from yourunused transportation tickets, if these expenses are notcovered elsewhere in the certificate.

6. Repatriation expenses for preparation and airtransportation of your remains to your place of residence inthe United States of America or Canada, or up to anequivalent amount for a local burial in the country wheredeath occurred, if you die while outside the United States ofAmerica or Canada.

Baggage and Personal Effects BenefitWe will reimburse you, less any amount paid or payablefrom any Other Valid and Collectible Insurance or indemnity,up to the amount shown in the Schedule, for direct loss,theft, damage or destruction of your Baggage, passports orvisas during your Covered Trip. We will also pay for loss dueto unauthorized use of your credit cards, if you havecomplied with all of the credit card conditions imposed bythe credit card companies.

Valuation and Payment of LossPayment of loss under the Baggage and Personal EffectsBenefit will be calculated based upon an Actual Cash Valuebasis. For items without receipts, payment of loss will becalculated based upon 75% of the Actual Cash Value at thetime of loss. At our option, we may elect to repair or replaceyour Baggage. We will notify you within 30 days after wereceive your proof of loss.

We may take all or part of damaged Baggage as a conditionfor payment of loss. In the event of a loss to a pair or set ofitems, we will: 1) Repair or replace any part to restore thepair or set to its value before the loss; or 2) Pay thedifference between the value of the property before andafter the loss.

Continuation of CoverageIf the covered Baggage, passports or visas are in thecustody of a Common Carrier, and delivery is delayed, thiscoverage will continue until the property is delivered to you.This continuation of coverage does not include loss causedby or resulting from the delay.

Items Not CoveredWe will not pay for damage to or loss of: animals; propertyused in trade, business or for the production of income;household furniture; musical instruments; brittle or fragilearticles; sporting equipment if the loss results from the usethereof; boats; motors; motorcycles; motor vehicles;aircraft; other conveyances or equipment, or parts for suchconveyances; artificial limbs or other prosthetic devices;artificial teeth; dental bridges; dentures; dental braces;retainers or other orthodontic devices; hearing aids; anytype of eyeglasses, sunglasses or contact lenses;

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documents or tickets, except for administrative feesrequired to reissue tickets; money; stamps; stocks andbonds; postal or money orders; securities; accounts; bills;deeds; food stamps; credit cards, except as noted above;property shipped as freight or shipped prior to theScheduled Departure Date; or contraband.

Losses Not CoveredWe will not pay for loss arising from: defective materials orcraftsmanship; or normal wear and tear, gradualdeterioration, inherent vice; or rodents, animals, insects orvermin; or mysterious disappearance; or electrical current,including electric arcing that damages or destroys electricaldevices or appliances.

Your Duties in the Event of a LossIn case of loss, theft or damage to Baggage and personaleffects, you should: 1) Immediately report the situationincident to the hotel manager, tour guide or representative,transportation official, local police or other local authoritiesand obtain their written report of your loss; and 2) Takereasonable steps to protect your Baggage from furtherdamage, and make necessary, reasonable and temporaryrepairs. We will reimburse you for these expenses. We willnot pay for further damage if you fail to protect yourBaggage.

Baggage Delay BenefitWe will reimburse you up to the amount shown in theSchedule for the cost of reasonable additional clothing andpersonal articles purchased by you, if your Baggage isdelayed for 24 hours or more during your Covered Trip.

DEFINITIONS

In this Policy, "you", "your" and "yours" refer to the Insured."We", "us" and "our" refer to the company providing thiscoverage. In addition, certain words and phrases aredefined as follows:

ACCIDENT means a sudden, unexpected, unintended andexternal event, which causes Injury.

ACTUAL CASH VALUE means purchase price lessdepreciation.

COMMON CARRIER means any land, water or airconveyance operated under a license for the transportationof passengers for hire, not including taxicabs or rented,leased or privately owned motor vehicles.

BAGGAGE means luggage, personal possessions and traveldocuments taken by you on the Covered Trip.

COVERED TRIP means: 1) A period of round-trip travel awayfrom Home to a destination outside your city of residence; thepurpose of the trip is business or pleasure and is not to obtainhealth care or treatment of any kind; the trip has defineddeparture and return dates specified when the Insured enrolls;the trip does not exceed 365 days or, 2) A period of one-waytravel that starts in the US or Canada (except US citizens maybegin their trip outside the US, if returning to the US); the

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purpose of the trip is business or pleasure and is not to obtainhealth care or treatment of any kind; the trip has defineddeparture and arrival dates and defined departure and arrivalplaces specified when the Insured enrolls; and the trip doesnot exceed 31 days in length.

DOMESTIC PARTNER means a person who is at leasteighteen years of age and you can show: 1) Evidence offinancial interdependence, such as joint bank accounts orcredit cards, jointly owned property, and mutual lifeinsurance or pension beneficiary designations; 2) Evidenceof cohabitation for at least the previous 6 months; and 3)An affidavit of domestic partnership if recognized by thejurisdiction within which they reside.

ELECTIVE TREATMENT AND PROCEDURES means anymedical treatment or surgical procedure that is notmedically necessary including any service, treatment, orsupplies that are deemed by the federal, or a state or localgovernment authority, or by us to be research orexperimental or that is not recognized as a generallyaccepted medical practice.

FAMILY MEMBER includes your or your TravelingCompanion's dependent, spouse, child, spouse's child,son/daughter-in-law, parent(s), sibling(s), brother/sister,grandparent(s), grandchild, step-brother/sister, step-parent(s), parent(s)-in-law, brother/sister-in-law, guardian,Domestic Partner, foster child, or ward.

FINANCIAL INSOLVENCY means the total cessation orcomplete suspension of operations due to insolvency, withor without the filing of a bankruptcy petition, or the totalcessation or complete suspension of operations followingthe filing of a bankruptcy petition, whether voluntary orinvoluntary, by a tour operator, cruise line, airline, rental carcompany, hotel, condominium, railroad, motor coachcompany, or other supplier of travel services which is dulylicensed in the state(s) of operation other than the entity orthe person, organization, agency or firm from whom youdirectly purchased or paid for your Covered Trip provided theFinancial Insolvency occurs more than 7 days following youreffective date for the Trip Cancellation Benefits. There is nocoverage for the total cessation or complete suspension ofoperations for losses caused by fraud or negligentmisrepresentation by the supplier of travel services.

HOME means your primary or secondary residence.

HOSPITAL means an institution, which meets all of thefollowing requirements:

1. It must be operated according to law;

2. It must give 24-hour medical care, diagnosis andtreatment to the sick or injured on an inpatient basis;

3. It must provide diagnostic and surgical facilitiessupervised by Physicians;

4. Registered nurses must be on 24-hour call or duty; and

5. The care must be given either on the hospital's premises orin facilities available to the hospital on a pre-arranged basis.

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A Hospital is not: a rest, convalescent, extended care,rehabilitation or other nursing facility; a facility whichprimarily treats mental illness, alcoholism, or drug addiction(or any ward, wing or other section of the hospital used forsuch purposes); or a facility which provides hospice care (orwing, ward or other section of a hospital used for suchpurposes).

INJURY means bodily harm caused by an accident which: 1)Occurs while your coverage is in effect under the plan; and2) Requires examination and treatment by a Physician. TheInjury must be the direct cause of loss and must beindependent of all other causes and must not be caused by,or result from, Sickness.

INSURED means an eligible person who arranges a CoveredTrip, and pays any required plan payment.

OTHER COVERED EVENTS means only the followingunforeseeable events or their consequences which occurwhile coverage is in effect under this Policy:

1. Air and land and water common carrier delays resultingfrom inclement weather, or mechanical breakdown of theaircraft, ship or boat or motor coach on which you arescheduled to travel, or organized labor strikes that affectpublic transportation;

2. Arrangements canceled by an airline, cruise line, motorcoach company, or tour operator, resulting from inclementweather, mechanical breakdown of the aircraft, ship or boator motor coach on which the Insured is scheduled to travel,or organized labor strikes that affect public transportation.

Items #1 and #2 above are subject to the followingconditions:

a. The scheduled carrier connecting times must be 45minutes or longer and meet airline required legalminimum connect times; and

b. The scheduled time between arrival at the ScheduledTrip Departure City and the scheduled trip departuremust be 2 hours or longer.

3. Arrangements canceled by a tour operator, cruise line,airline, rental car company, hotel, condominium, railroad,motor coach company, or other supplier of travel services,resulting from Financial Insolvency;

Coverage for Financial Insolvency is included if:Your premium for this insurance plan and your enrollmentform are received by the final payment date for your trip.

See the definition of Financial Insolvency which details thecoverage provided.

4. A change in plans by you, a Family Member traveling withyou, or Traveling Companion resulting from one of thefollowing events which occurs while coverage is in effectunder this Policy:

a. Being directly involved in a documented traffic accidentwhile en route to departure;

b. Being hijacked, quarantined, required to serve on a

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jury, or required by a court order to appear as awitness in a legal action, provided you, a FamilyMember traveling with you or a Traveling Companion isnot 1) A party to the legal action, or 2) Appearing as alaw enforcement officer;

c. Your Home made uninhabitable by fire, flood, volcano,earthquake, hurricane or other natural disaster;

d. Being called into active military service to provide aidor relief in the event of a natural disaster;

e. A documented theft of passports or visas;

f. A Terrorist Act which occurs in your departure city or ina city which is a scheduled destination for yourCovered Trip provided the Terrorist Act occurs within30 days of the Scheduled Departure Date for yourCovered Trip;

g. A cancellation of your Covered Trip if your arrival on theTrip is delayed and causes you to lose 50% or more ofthe scheduled Covered Trip duration due to the reasonscovered under the Covered Travel Delay Benefit;

OTHER VALID AND COLLECTIBLE GROUP INSURANCEmeans any group policy or contract which provides forpayment of medical expenses incurred because ofPhysician, nurse, dental or Hospital care or treatment; orthe performance of surgery or administration of anesthesia.The policy or contract providing such benefits includesgroup or blanket insurance policies; service plan contracts;employee benefit plans; or any plan arranged through anemployer, labor union, employee benefit association ortrustee; or any group plan created or administered by thefederal or a state or local government or its agencies. Inthe event any other group plan provides for benefits in theform of services in lieu of monetary payment, the usual andcustomary value of each service rendered will beconsidered a Covered Expense.

PHYSICIAN means a person licensed as a medical doctorby the jurisdiction in which he/she is resident to practicethe healing arts. He/she must be practicing within thescope of his/her license for the service or treatment givenand may not be you, a Traveling Companion, or a FamilyMember of yours.

PRE-EXISTING CONDITION means an illness, disease, orother condition during the 180-day period immediately priorto your effective date for which you or your TravelingCompanion or Family Member is scheduled or booked totravel with you:

1. Received, or received a recommendation for a diagnostictest, examination, or medical treatment; or

2. Took a prescription for drugs or medicine.

Item 2 of this definition does not apply to a condition whichis treated or controlled solely through the taking ofprescription drugs or medicine and remains treated orcontrolled without any adjustment or change in the requiredprescription throughout the 180-day period before coverage

is effective under this Policy.

The exclusion for Pre-Existing Conditions will be waived if:1. You purchase this plan prior to, or on the day of, thescheduled final payment date for your Covered Trip;

2. You are not disabled from travel at the time you pay yourpremium;

3. The booking for this trip must be the first and onlybooking for this travel period and destination.

SCHEDULED DEPARTURE DATE means the date on whichyou are originally scheduled to leave on your Covered Trip.

SCHEDULED RETURN DATE means the date on which youare originally scheduled to return to the point where theCovered Trip started or to a different final destination.

SICKNESS means an illness or disease of the body whichrequires examination and treatment by a Physician.

TERRORIST ACT means an act of violence, other than civildisorder or riot, (that is not an act of war, declared orundeclared) that results in loss of life or major damage toproperty, by any person acting on behalf of or in connectionwith any organization which is generally recognized ashaving the intent to overthrow or influence the control ofany government.

TRAVELING COMPANION means a person whose name(s)appear(s) with you on the same Covered Trip arrangement.

USUAL AND CUSTOMARY CHARGE means those chargesfor necessary treatment and services that are reasonablefor the treatment of cases of comparable severity andnature. This will be derived from the mean charge based onthe experience in a related area of the service deliveredand the MDR (Medical Data Research) schedule of feesvalued at the 90th percentile and the Anesthesia RelativeValue Guide.

CERTIFICATE EXCLUSIONS

The following exclusion applies to the Accidental Death &Dismemberment coverage:1. We will not pay for loss caused by or resulting fromSickness of any kind.

We will not pay for loss or expense caused by or incurredresulting from a Pre-Existing Condition, as defined in theplan, including death that results therefrom. ThisExclusion does not apply to benefits under coveredexpenses items 1 and 2 (emergency medical evacuation)or item 6 (repatriation of remains) of the EmergencyAssistance Benefits coverage.

The following exclusion applies to all coverages:2. We will not pay for any loss under the certificate, causedby, or resulting from:

a. Your, or your Traveling Companion's, or your FamilyMember's booked to travel with you, suicide,attempted suicide, or intentionally self-inflicted injury,

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while sane or insane (while sane in CO & MO);

b. Mental, nervous, or psychological disorders;

c. Being under the influence of drugs or intoxicants,unless prescribed by a Physician;

d. Normal pregnancy or resulting childbirth or electiveabortion;

e. Participation as a professional in athletics;

f. Participation in organized amateur and interscholasticathletic or sports competition or events;

g. Riding or driving in any motor competition;

h. Declared or undeclared war, or any act of war;

i. Civil disorder (does not apply to Travel Delay);

j. Service in the armed forces of any country;

k. Nuclear reaction, radiation or radioactive contamination;

l. Operating or learning to operate any aircraft, as pilot orcrew;

m. Mountain climbing, bungee cord jumping, skydiving,parachuting, hang gliding, parasailing or travel on anyair-supported device, other than on a regularlyscheduled airline or air charter company;

n. Any unlawful acts, committed by you or a TravelingCompanion (whether insured or not);

o. Any amount paid or payable under any Worker'sCompensation, Disability Benefit or similar law;

p. A loss or damage caused by detention, confiscation ordestruction by customs;

q. Elective Treatment and Procedures;

r. Medical treatment during or arising from a Covered Tripundertaken for the purpose or intent of securingmedical treatment;

s. Financial Insolvency of the person, organization or firmfrom whom you directly purchased or paid for yourCovered Trip, Financial Insolvency which occurredbefore your effective date for the Trip CancellationBenefits, or Financial Insolvency which occurs within 7days following your effective date for the TripCancellation Benefits;

t. Business, contractual or educational obligations of you,a Family Member, or a Traveling Companion;

u. Failure of any tour operator, Common Carrier, or othertravel supplier, person or agency to provide thebargained-for travel arrangements other than FinancialInsolvency;

v. A loss that results from an illness, disease, or othercondition, event or circumstance which occurs at atime when the plan is not in effect for you.

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TRAVEL INSURANCE IS UNDERWRITTEN BYMonumental General Casualty Company under Policy Form# TAHC2000GPC; Certificate #TAHC2000GCC.

Stonebridge Casualty Insurance Company under Policy Form# TAHC5000GPS, Certificate # TAHC5000GCS.

GENERAL PROVISIONSArbitration If we and you disagree on the amount of loss,either may make written demand for arbitration. In thisevent, each party will select a competent and impartialarbitrator. The two arbitrators will select a third. If theycannot agree within 30 days, either may request thatselection be made by a judge of a court having jurisdiction.Each party will (1) Pay the expense if incurred and (2) Bearthe expenses of the third arbitrator equally. A decisionagreed to by two arbitrators will be binding.

Concealment or Fraud We do not provide coverage if youhave intentionally concealed or misrepresented any materialfact or circumstance relating to the coverage plan.

Conformity to Law Any provision of the plan that is inconflict with the laws of the state in which it is issued isamended to conform with the laws of that state.

Duplication of Coverage You may only purchase onecertificate from us for each Covered Trip. If you do purchasemore than one certificate for a specific Covered Trip, theMaximum Limit of Coverage payable will be as specified inthe certificate with the highest level of benefits. We willrefund plan payments received from you under any othercertificate.

Entire Contract Any statement you make is arepresentation and not a warranty. No statement will beused by us to void or reduce benefits unless that statementis a part of any written application or enrollment form.

The plan may be changed at any time by written agreementbetween us. Only our President, Vice President or Secretarymay change or waive the provisions of the policy plan. Noagent or other person may change the policy plan or waiveany of its terms. The change will be endorsed on the policyplan.

Examination Under Oath As often as we may reasonablyrequire, you or any person making a claim under the planmust submit to examination under oath.

Maximum Limit of Coverage The maximum benefit amountfor each claim is listed in the Schedule or enrollment form,subject to the individual benefit amount and the company'sMaximum Limit of Liability. The total limit of our liability forany one covered event, in which two or more personssubmit a claim, is subject to the individual benefit amountand the company's Maximum Limit of Liability. In the eventof multiple claims by you for one event, the available fundswill be distributed in order of notice of claim by eachinsured subject to the above limitations.

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Our Right to Recover From Others We have the right torecover any payments we have made from anyone who maybe responsible for the loss. You and anyone else we insuremust sign any papers and do whatever is necessary totransfer this right to us. You and anyone else we insure willdo nothing after the loss to affect our rights.

CLAIMS PROVISIONS

Notice of Claim We must be given written notice of claimwithin 90 days after a covered loss occurs. If notice cannotbe given within that time, it must be given as soon asreasonably possible. Notice may be given to us or to ourauthorized agent. Notice should include the claimant'sname and enough information to identify him or her.

Proof of Loss Written Proof of Loss must be sent to uswithin 90 days after the date the loss occurs. We will notreduce or deny a claim if it was not reasonably possible togive us written Proof of Loss within the time allowed. In anyevent, you must give us written Proof of Loss within twelve(12) months after the date the loss occurs unless you arelegally incapacitated.

Physical Examination and Autopsy At our expense, we havethe right to have you examined as often as necessary whilea claim is pending. At our expense, we may require anautopsy unless the law or your religion forbids it.

Legal Actions No legal action may be brought to recover onthe plan within 60 days after written proof of loss has beengiven. No such action will be brought after three years fromthe time written proof of loss is required to be given. If atime limit of the plan is less than allowed by the laws of theState where you live, the limit is extended to meet theminimum time allowed by such law.

Payment of Claims Benefits for loss of life will be paid toyour estate, or if no estate, to your beneficiary. All otherbenefits are paid directly to you, unless otherwise directed.Any accrued benefits unpaid at your death will be paid toyour estate, or if no estate, to your beneficiary. If you haveassigned your benefits, we will honor the assignment if asigned copy has been filed with us. We are not responsiblefor the validity of any assignment.

WHERE TO PRESENT A CLAIM

All claims should be presented to the Program Administrator:CSA Travel ProtectionP. O. Box 939057San Diego, CA 92193-9057(800) 541-3522 (Toll-Free)

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