Voyager Annual Insurance provides the frequent traveler with peace of mind for an entire year. With Voyager you receive a year’s worth of coverage for medical emergencies, lost checked luggage, travel delays and more.

You can enroll for as low as $36/year. Enrolling online is easy with Voyager Annual Insurance. Using our online enrollment tool lets you choose the coverage and limits that you need to cover you during your travels.

Sign-up just once a year and enjoy peace of mind knowing you have dependable medical coverage and assistance whenever you travel more than 100 miles from home. Go anywhere in the world, as often as you like, up to 90 days at a time…with Voyager Insurance!

Customize Voyager annual travel insurance to meet your needs and budget quickly and easily. Choose from Voyager Basic, Voyager Plus and Voyager Elite for the level of coverage you desire. You’ll find Voyager extremely flexible!

For Business Travelers
Wherever business travel takes you, across the country or across the globe, Voyager provides the protection and immediate service you need—coverage that your current group health or employer’s workers comp policies may not provide.

For Frequent Travelers
Family visits, hobbies, or plain old wanderlust—whatever the reason, you travel…a lot. Voyager is the perfect solution for covering you for medical emergencies/evacuations, travel delays, baggage loss and more. Need tickets to a show or game? Tee Time? Voyager offers VIP Services—it's like having your own travel assistant.

For Hazardous Sports Travelers
If skiing, skydiving or climbing The Matterhorn are your idea of relaxing vacation activities, Voyager is the right travel insurance choice to match your lively adventures!

The flexible travel insurance solution you sign up for just once a year.

Medical Benefits and Assistance
No one plans to get sick or injured while traveling away from home, but it can happen to anyone. Voyager provides Medical Benefits for the Plus and Elite plans that can help you locate a doctor, verify your coverage and arrange for medical transportation anywhere in the world.

For less than $200/year you can enroll in Voyager’s Plus plan with Medical Coverage and high limit Medical Evacuation and Accidental Death & Dismemberment coverage.

Freedom & Comfort
Voyager Benefits & Services

• Medical Coverage
• Medical Evacuation
• 24-hour travel assistance
• Coverage for lost or delayed checked luggage
• Trip Delay coverage
• Accidental Death and Dismemberment coverage
• Optional coverage for certain Hazardous Activities

Optional Hazardous Activity Coverage
Maybe sitting by the pool is not your idea of a fun and exciting vacation. Voyager Annual Insurance offers Optional Hazardous Activity Coverage for the traveler seeking to do more than relax by the pool or try a few new restaurants.

Hazardous Activity Coverage offers coverage for activities like motorcycle driving, skiing, mountain climbing, sky diving and amateur racing.

If these types of activities sound like you, then Voyager offers affordable coverage for those times when things don’t go as planned.

Coverage for Your Needs
After a week on the road, you arrive at the airport to discover your flight has been cancelled due to weather. Who will help you find a hotel or book another flight? Voyager’s Personal VIP Assistance Services has you covered!

What happens if you become sick or injured away from home? Voyager’s 24/7 Medical Assistance benefit will help you find a local doctor or hospital to get you the treatment you need!

Losing your checked luggage can ruin a business trip or vacation. Voyager’s Lost or Delayed Checked Luggage benefit lets you travel in peace, knowing that your luggage is covered if it is lost, stolen or delayed while you are away from home.

Trip Delay
Bad weather, mechanical problems, or cancelled flights can leave you stranded with few options. With Voyager’s Trip Delay coverage you are covered for reasonable additional expenses while you are stuck far from home.

Emergency Medical Evacuation
If you are away from home and need emergency medical evacuation to the nearest hospital or your home for medical care, Voyager will cover the expense up to the policy limit. Don’t get stuck with the high cost of emergency medical transportation.

VIP Services
Add VIP Services to your Voyager Annual Insurance and live the high life with a personal assistant just a phone call away. Voyager’s VIP Services will assist you with making dinner reservations, scheduling a tee time, concert tickets, and even plane and hotel reservations.

Optional Hazardous Activity Coverage
Are you an adventurous traveler? Upgrade your Voyager policy to include Hazardous Activity Coverage and you will be covered for many activities usually excluded on travel insurance plans.

Lost Luggage & Baggage Delay
Nothing ruins a business trip or family getaway like losing your checked luggage. Voyager’s Baggage Delay Benefit can help you purchase necessities until your luggage arrives or assist you with replacing clothing if your luggage is lost by the airline or other transportation provider.

This chart represents all of the limits available for an unlimited number of trips domestic and international - each trip not to exceed 90 days.

	Voyager Basic	Voyager Plus	Voyager Elite
24-Hour Assistance	24-Hour Assistance Included	24-Hour Assistance Included	24-Hour Assistance Included
	Personal VIP Assistance	Personal VIP Assistance	Personal VIP Assistance
Medical Coverage*	Not Available	$5,000 / $10,000 / $25,000 / $50,000	$100,000 / $250,000 / $500,000
Medical Evacuation	$25,000 / $50,000 / $100,000 / $250,000 / $500,000	$25,000 / $50,000 / $100,000 / $250,000 / $500,000	$25,000 / $50,000 / $100,000 / $250,000 / $500,000
Accidental Death & Dismemberment	$25,000 / $100,000 / $300,000 / $500,000 AD&D Flight Only $100,000 / $300,000 / $500,000	$25,000 / $100,000 / $300,000 / $500,000 AD&D Flight Only: $100,000 / $300,000 / $500,000	$25,000 / $100,000 / $300,000 / $500,000 AD&D Flight Only: $100,000 / $300,000 / $500,000
Hazardous Activity Upgrade	10% Additional	10% Additional	10% Additional

*Maximum Medical Benefits for age:
70-75: $100,000
76+: $5,000

All Plans include:

• Baggage Loss - $1000
• Checked Baggage - $500
• Travel Delay - $100/5 days maximum
• Repatriation of Remains - $7,500

9 Reasons why Voyager annual travel insurance offers you one of the most comprehensive sets of insurance benefits and services for the serious traveler.

#1 Medical Benefits and Assistance
Medical Benefits (only for Plus and Elite) and 24-Hour Assistance no matter where you go. Voyager’s 24-Hour Assistance can help you find a local doctor, verify your coverage and arrange for emergency medical transportation anywhere in the world.

#2 Emergency Medical Evacuation
Need emergency medical evacuation to the nearest hospital or to your permanent U.S. residence for medical care? Voyager will cover the expense up to the policy maximum. You could save thousands, perhaps hundreds of thousands of dollars on transportation that could save your life!

#3 Trip Delay
Bad weather, mechanical trouble, even labor strikes can leave you stuck far from home and with few options. Voyager can provide relief from the additional expense of being stranded and provide up to five days of coverage for reasonable additional expenses, up to the policy maximum.

#4 Hazardous Activity Coverage
Planning to unwind a little while traveling by participating in some extreme sports? Voyager’s optional Hazardous Activity Coverage will provide Medical Expense Coverage if you are injured while motorcycling, skiing, mountain climbing, etc…. activities that are usually excluded by other travel insurance policies.

#5 Bedside Visitation
There’s no reason to be alone if you are sick or injured while away from home. Voyager will pay the cost of one round-trip commercial airline ticket for any person you choose to be at your hospital bedside, should a doctor deem it medically necessary.

#6 Lost Baggage & Baggage Delay
Ever gotten to your destination and discovered your luggage caught a different flight? Voyager’s Baggage Delay Benefit can help you with basic necessities should your luggage be delayed 24 hours or more. In addition, the Lost Baggage Benefit provides limited coverage for lost luggage. Delayed or lost checked luggage, Voyager is there to lend a helping hand.

#7 Accidental Death and Dismemberment (AD&D)
Voyager has you covered, even under the worst circumstances. Supplement your life insurance with AD&D coverage that provides a death benefit to your loved ones.

#8 Repatriation of Remains
In the event that you pass away during a trip, Voyager will relieve your loved ones of the expense and burden of safely and respectfully returning your body home.

#9 VIP Services
Busy trip have you wishing you had a personal assistant? Voyager’s optional VIP Concierge Service can help you make dinner reservations, book a golf tee time, get concert tickets, and even arrange for plane tickets and hotel reservations.

Optional Hazardous Sports Rider - Additional 10%
**Includes $7,500 of Repatriation of Remains coverage.

MEDICAL BENEFITS (Only for Plus and Elite)
When a covered injury or illness results, the Company will pay:

In Hospital Medical Services	100% of covered expenses*
In Hospital Surgical Services
Out of Hospital Medical Expenses

*The policy will pay 100% for covered medical expenses incurred up to a maximum amount on the Schedule of Confirmation per incident ($100,000 maximum for ages 70-75, or $5,000 for ages 76+).
Illness must be contracted and manifest itself, or Injury must occur, during the Period of Coverage. Benefit period is 26 weeks. Domestic trips are provided with accident medical only, no sickness coverage.

Covered Expenses
For the purpose of this section, only such expenses of which the first expense must be incurred within 30 days of the commencement of covered Injury or Illness, and which are specifically enumerated in the following list of charges and which are not excluded in the Exclusions Section, shall be considered covered expenses:

1. Charges made by a Hospital for room and board, floor nursing and other services, including charges for professional services and with the exception of personal services of a non-medical nature; provided, however, that expenses do not exceed the Hospital’s average charge for semi-private room and board accommodations.
2. Charges made for diagnosis, treatment and surgery by a Physician.
3. Charges made for the cost and administration of anesthetics.
4. Charges made for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood transfusions, iron lungs, and medical treatment.
5. Charges for physiotherapy, if recommended by a Physician for the treatment of a specific disablement and administered by a licensed physiotherapist.
6. Hotel room charge, when the Insured, otherwise necessarily confined in a Hospital, shall be under the care of a duly qualified physician in a hotel room owing to unavailability of a hospital room by reason of capacity or distance or to any other circumstances beyond control of Insured.
7. Dressings, drugs, and medicines that can only be obtained upon a written prescription of a Physician or surgeon.

The charges enumerated above shall in no event include any amount of such charges which are in excess of reasonable and customary charges. A charge incurred by an Insured Person shall be deemed a reasonable and customary charge for the services and supplies for which the charge is made if it is not in excess of the average charge for such services and supplies in the locality where received, considering the nature and severity of the Illness or bodily Injury in connection with which such services and supplies are received. If the charge incurred is in excess of such average charge, such excess amount shall not be recognized as Covered Expenses. All charges shall be deemed to be incurred on the date such services or supplies which give rise to the expense or charge are rendered or obtained.

EMERGENCY MEDICAL EVACUATION
The Company will pay benefits for covered expenses incurred while outside a 100 mile radius from his/her place of permanent U.S. residence up to a maximum stated in the Schedule of Confirmation if any Injury or Illness commencing during the course of a trip results in the necessary emergency medical evacuation of the Insured Person. Emergency Medical Evacuation means: (a) the Insured Person’s medical condition warrants immediate transportation from the place where the ­Insured Person is injured or ill to the nearest Hospital where appropriate medical treatment can be obtained; or (b) after being treated at a local Hospital, the Insured Person’s medical condition warrants transportation to his/her place of permanent U.S. residence to obtain further medical treatment or to recover; or (c) both a) and b) above.

Covered Expenses are expenses, up to the maximum, for transportation, medical services and medical supplies necessarily incurred in connection with emergency medical evacuation of the Insured Person. All transportation arrangements made for evacuating the Insured Person must be: (a) by the most direct and economical route; (b) subject to prior approval of the Company; and (c) arranged by AIGAssist. (See Section on Emergency Medical Assistance Service.)

Expenses for special transportation must be (a) recommended by the attending Physician or (b) required by the standard regulations of the conveyance transporting the Insured Person. Expenses for medical supplies and services must be recommended by the attending Physician. Transportation means any land, water or air conveyance required to transport the Insured Person during an emergency medical evacuation. Special transportation includes, but is not limited to air ambulance, land ambulance, and private motor vehicles.

ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)
The Company shall pay an indemnity determined from the Table of Losses if an Insured Person sustains a loss stated therein resulting from Injury, provided that: (1) Such loss occurs within 365 days after the date of accident causing such loss; (2) the indemnity payable for any such loss shall be the amount stated opposite such loss in said Table, and the Principal Sum stated therein shall be the amount stated as AD&D in the Schedule of Confirmation, as applicable to such person and this Coverage; and (3) if more than one loss stated in said Table is sustained as the result of one accident, only one of the amounts so stated in said Table, the largest, shall be payable.

Table of Losses

Loss of Life or 2 or more Members	Principal Sum
Speech and Hearing
Loss of One Member	One-Half the Principal Sum
Speech or Hearing
Thumb & Index Finger One-Quarter of the of the Same Hand	Principal Sum

The term “Loss” as used herein shall mean with regard to hands and feet, actual severance through or above wrist or ankle joints, and with regard to eyes, entire irrecoverable loss of sight. “Loss” of hearing in an ear means total and irrecoverable loss of the entire ability to hear in that ear. “Loss” of speech means total and irrecoverable loss of the entire ability to speak. The term “Member” means hand, foot or eye. Only one amount, the largest to which you are entitled, will be paid for all losses resulting from one accident.

REPATRIATION OF REMAINS
The Company will pay the reasonable covered expenses incurred to return the Insured Person’s body home (to his/her place of permanent residence) if the Insured Person dies, not to exceed the maximum stated in the Schedule of Confirmation. Covered expenses include, but are not limited to, expenses for embalming, cremation, coffins, and transportation. All arrangements must be made by AIGAssist.

BEDSIDE VISITATION
The Company will pay the cost of a round-trip economy airline ticket to bring one person chosen by the Insured to and from the hospital or other medical facility where the Insured is confined when, in the opinion of a medical practitioner acceptable to the Company, such a visit is necessary due to a bodily Injury or Illness which constitutes an immediate danger to life. AIGAssist must make all arrangements and must authorize all expenses in advance for any benefits under this Policy to be payable.

LOST BAGGAGE
The Company 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. The Company will reimburse the Insured, up to the maximum shown in the Schedule, for the cost of replacement of the baggage and its contents. All claims must be verified by the Common Carrier. There is a combined maximum limit of $250 for the following: jewelry, watches, articles consisting in whole or in part of silver, gold or platinum, furs, articles trimmed with or made mostly of fur, and cameras, including related camera equipment and electronic equipment.

Benefits for baggage and personal effects will be in excess of any amount paid or payable by the Common Carrier responsible for the loss. Benefits for baggage and personal effects will be in excess of all other valid and collectible insurance. If at the time of the occurrence of any loss there is other valid and collectible insurance in place, the Company will be liable only for the excess of the amount of loss, over the amount of such other insurance.

Exclusions: Benefits will not be provided for any loss of: 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.

BAGGAGE DELAY
The Company will reimburse the Insured for the expense of necessary personal effects, up to the maximum shown in the Schedule of Confirmation if the Insured’s Checked Baggage is delayed or misdirected by a Common Carrier for more than 24 hours from the time the Insured arrives at the destination stated on the Insured’s ticket (other than the Insured’s final destination) until the time it arrives. The Insured must be a ticketed passenger on a Common Carrier. Additionally, all claims must be verified by the Common Carrier who must certify the delay or misdirection.

TRIP DELAY
The Company will pay benefits for Trip Delay, subject to the maximum shown in the Schedule of this Confirmation, if the Insured’s Trip is delayed for 24 or more hours due to a Covered Hazard.

If the Insured’s Trip is delayed due to a covered hazard, the Company will reimburse the Insured for:

1. any prepaid, unused, non-refundable land or water accommodations;
2. any Reasonable Additional Expenses incurred;
3. a one-way economy ticket from the point where the Insured ended the Trip to a destination where the Insured can rejoin the Trip; or
4. a one-way economy ticket to return the Insured to the originally scheduled final destination.

Covered Hazards:

1. delay of a Common Carrier caused by Inclement Weather;
2. delay due to a Strike or other job action by employees of a Common Carrier scheduled to be used by the Insured during the Insured’s Trip; or
3. delay caused by Equipment Failure of a Common Carrier.

Equipment Failure- means any sudden, unforeseen breakdown in the Common Carrier’s equipment that caused the delay or interruption of normal trips.

Inclement Weather – means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier.

Reasonable Additional Expenses – means any expense for meals and lodging which are necessarily incurred as the result of a Covered Hazard and which were not provided by the Common Carrier or any other party free of charge.

Strike - means any labor disagreement which interferes with the normal departure and arrival of a Common Carrier.

OPTIONAL BENEFIT: HAZARDOUS ACTIVITY COVERAGE
If the optional benefit is selected and the premium paid in advance of the Period of Coverage, Medical Expense Coverage will be provided for the following hazardous activities: motorcycle driving, skiing, mountain climbing, sky diving and amateur racing.

EXCLUSIONS
For Medical Expenses, this insurance does not cover expenses incurred:

1. For Pre-existing Conditions, defined as any Injury or Illness which was contracted or which manifested itself, or for which treatment or medication was prescribed within three years prior to the effective date of this insurance;
2. For services, supplies or treatment, including any period of Hospital confinement, which were not recommended, approved and certified as necessary and reasonable by a Physician;
3. For suicide or any attempt thereat while sane or self-destruction or any attempt thereat while insane;
4. For declared or undeclared war or any act thereof;
5. For injury sustained while participating in professional athletics;
6. For sickness resulting from pregnancy, childbirth, or miscarriage;
7. For miscarriage resulting from accident;
8. For routine physicals or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or x-ray examinations except in the course of a disability established by the prior call or attendance of a physician;
9. For cosmetic or plastic surgery, except as the result of an accident;
10. For elective surgery which can be postponed until the Insured returns to his/her country of residence;
11. For any mental or nervous disorders or rest cures;
12. For dental care, except as the result of Injury to natural teeth caused by accident;
13. For eye refractions or eye examinations for the purpose of prescribing corrective lenses for eyeglasses or contact lenses or for the fitting thereof, unless caused by accidental bodily Injury incurred while insured hereunder;
14. In connection with alcoholism or drug addiction, or use of any drug or narcotic agent;
15. For congenital anomalies and conditions arising out of or resulting therefrom;
16. For expenses as a result of or in connection with the commission of a felony offense;
17. For expenses which are non-medical in nature;
18. For the ordinary cost of a one-way airplane ticket used in the transportation back to the insured’s country where an air ambulance benefit is provided;
19. For expenses as a result of or in connection with intentionally self-inflicted injury;
20. For specific named hazards: motorcycle driving, skiing, mountain climbing, sky diving, professional or amateur racing and piloting an aircraft;
21. Treatment paid for or furnished under any other individual or group policy, or other service or medical prepayment plan arranged through the employer to the extent so furnished or paid, or under any mandatory government program or facility set up for treatment without cost to any individual;

For Accidental Death and Dismemberment Indemnity, the Policy does not cover any loss, fatal or non-fatal, caused by or resulting from:

1. Suicide or any attempt thereat by the Insured Person while sane or self destruction or any attempt thereat by the Insured Person while insane;
2. War or any act of war, declared or undeclared;
3. Service in the military, naval, or air service of any country;
4. Disease of any kind;
5. Hernia of any kind;
6. Bacterial Infections except pyogenic infection which shall occur through an accidental cut or wound;
7. Piloting or acting as a crew member or riding in any aircraft except as a fare paying passenger on a scheduled airline;
8. The Insured Person being under the influence of drugs (unless taken under the advice of a physician and within the amounts prescribed by a physician) or intoxicants of any type including alcohol.

For Medical Evacuation and Repatriation of Remains Expense, this Policy does not cover any loss, fatal or nonfatal, caused by 1, 2, 3, or 6 above.

All coverages, except Accidental Death and Dismemberment, shall be in excess of all other valid and collectible insurance indemnity and shall apply only when such benefits are exhausted.

POLICY PROVISIONS
1. NOTICE OF CLAIM: Written notice of claim must be given to the Company within twenty (20) days after the occurrence or commencement of any loss covered by the Policy, or as soon thereafter as is reasonably possible. Notice given by or on behalf of the claimant to the Administration Office of the Company, or to any authorized agent of the Company, with information sufficient to identify the Insured Person shall be deemed notice to the Company.

2. CLAIM FORMS: The Company, upon receipt of a notice of claim, will furnish to the claimant such forms as are usually furnished by it for filing proof of loss. If such forms are not furnished within fifteen (15) days after the giving of such notice, the claimant shall be deemed to have complied with the requirements of the Policy as to proof of loss upon submitting, within the time fixed in the Policy for filing proof of loss, written proof covering the occurrence, the character and the extent of the loss for which claim is made.

3. PROOFS OF LOSS: Written proof of loss must be furnished to the Company at its said office in case of claim for loss for which the policy provides any periodic payment contingent upon continuing loss within ninety (90) days after the termination of the period for which the Company is liable and in case of a claim for any other loss within ninety (90) days after the date of such loss. Failure to furnish such proof within the time required shall not invalidate or reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible.

4. TIME OF PAYMENT OF CLAIMS: Indemnities payable under the Policy for any loss other than loss for which the Policy provides any periodic payment will be paid immediately upon receipt of due written proof of such loss. Subject to due written proof of loss, all accrued indemnities for loss for which the Policy provides periodic payment will be paid at the expiration of each four weeks during the continuance of the period for which the Company is liable, and any balance remaining unpaid upon the termination of liability will be immediately paid upon receipt of due written proof.

5. PAYMENT OF CLAIMS: Indemnity for loss of life will be payable in accordance with the Beneficiary designation and the provisions respecting such payment which may be prescribed herein and effective at the time of payment. If no such designation or provision is then effective, such indemnity shall be payable to the estate of the Insured Person. Any other accrued indemnities unpaid at the Insured Person’s death may, at the option of the Company, be paid either to such Beneficiary or to such estate. All other indemnities will be payable to the Insured Person.

If any indemnity of the Policy shall be payable to the estate of an Insured Person, or an Insured Person who is a minor or otherwise not competent to give a valid release, the Company may pay such indemnity, up to an amount not exceeding $1,000, to any relative by blood or connection by marriage of the Insured Person who is deemed by the Company to be equitably entitled thereto. Any payment made by the Company in good faith pursuant to this provision shall fully discharge the Company to the extent of such payment.

Subject to any written direction of the Insured Person, all or a portion of any indemnities provided by the Policy on account of Hospital, nursing, medical or surgical service may, at the Company’s option and unless the Insured Person requests otherwise in writing no later than the time for filing proof of such loss, be paid directly to the Hospital or person rendering such services, but it is not required that the service be rendered by a particular hospital or person.

6. PHYSICAL EXAMINATION AND AUTOPSY: The Company at its own expense shall have the right and opportunity to examine the person of any individual whose Injury or Illness is the basis of claim when and as often as it may reasonably require during the pendency of a claim hereunder and to make an autopsy in case of death, where it is not forbidden by law.

7. LEGAL ACTIONS: No actions at law or in equity shall be brought to recover on the Policy prior to the expiration of sixty (60) days after written proof of loss has been furnished in accordance with requirements of the Policy. No such action shall be brought after expiration of three years after the time written proof of loss is required to be furnished.

This Confirmation of Insurance is presented for general information purposes and is not intended to replace the Master Policy on file with Travel Insurance Services and The Insurance Company of the State of Pennsylvania. In the event of a conflict between this Confirmation and the Master Policy, the Master Policy will govern.

HOW TO FILE A CLAIM
You will need to save copies of all receipts. All itemized bills must be submitted to the Insurance Company with a Claim Form.

Written notice of a claim must be made to the Claims Unit within twenty (20) days after the occurrence or commencement of any loss covered by the Policy, or as soon thereafter as is reasonably possible.

DESCRIPTION OF CLASS: U.S. residents traveling inside the U.S. and all U.S. residents while traveling outside the U.S. and their country of citizenship if they are not a U.S. citizen

EXCESS BENEFITS: All coverages, except Accidental Death & Dismemberment, shall be in excess of all other valid and collectible insurance indemnity and shall apply only when such benefits are exhausted.

DEFINITIONS
Insured Person(s) – An Insured person(s) means an eligible person who is covered under the Class of Insured Persons and for whom the appropriate premium has been paid.

Injury – Injury means bodily injury caused solely and directly by violent, accidental, external and visible means occurring while the policy is in force and resulting directly and independently of all other causes in loss covered by the policy.

Illness – Illness means a sickness or disease of any kind contracted and commencing after the effective date of the policy and causing loss covered by the policy.

Hospital – Hospital (other than an institution for the aged, chronically ill or convalescent, resting or nursing homes) means a place that operates pursuant to law for the care and treatment of sick or injured persons with organized facilities for diagnosis and surgery and having 24 hour nursing services and medical supervision.

Physician – Physician means a doctor of medicine or a doctor of osteopathy licensed to render medical services or perform surgery in accordance with the laws of the state where such professional services are performed; however, such definition will exclude chiropractors and physiotherapists.

Common Carrier – means any land, water or air conveyance operated under a license for the transportation of passengers for hire.

Checked Baggage – means a piece of baggage for which a claim check has been issued to the Insured by a Common Carrier.

PERIOD OF COVERAGE
Covers unlimited number of trips with a maximum of 90 consecutive travel days on any one trip and while outside a 100 miles radius from his/her permanent U.S. residence.

Coverage will end twelve (12) months after the effective date of coverage for which premium has been paid.

INDIVIDUAL ELIGIBILITY
The following are eligible to enroll in the Voyager Insurance plan:

• All U.S. residents while traveling outside the U.S. and their country of citizenship if they are not a U.S. citizen.
• All U.S. residents traveling inside the United States.

REFUND OF PREMIUM
Refund of premium, less a $20 processing fee, will only be allowed if a written request and your Confirmation of Insurance are received by Travel Insurance Services prior to the effective date of coverage. Once coverage is effective, the premium is considered fully earned and non-refundable.

Insubuy^®, Inc.
4700 Dexter Dr, Suite 100
Plano, TX 75093
Phone: (866) INSU-BUY or (972) 985-4400
Fax: (972) 767-4470
Web site: insubuy.com