Executive Flight Protection Insurance Program
(Questions? Call 1-800-694-4311)
Notice For Florida Residents only: The benefits of the policy providing your coverage are governed primarily by the law of a state other than Florida.
Program administered through COOK & COMPANY
Coverage will be in effect only upon receipt of payment.
Schedule of Coverage – Travel Accident Protection Benefit Amount:
The Common Carrier Benefit Amount is $1,000,000; Emergency Medical Evacuation Benefit Amount is $10,000; and the Repatriation of Remain Benefit Amount is $10,000 when the premium currently applicable to these Benefit Amounts per traveler is paid.
The Common Carrier Benefit Amount is $500,000; the Emergency Medical Evacuation Benefit Amount is $10,000; and the Repatriation of Remain Benefit Amount is $10,000 when the premium currently applicable to these Benefit Amounts per traveler is paid.
The Common Carrier Benefit Amount is $1,000,000; the Emergency Medical Evacuation Benefit Amount is $10,000; and the Repatriation of Remain Benefit Amount is $10,000 when the premium currently applicable to these Benefit Amounts per traveler per ticket is paid.
The Common Carrier Benefit Amount is $500,000; the Emergency Medical Evacuation Benefit Amount is $10,000; and the Repatriation of Remain Benefit Amount is $10,000 when the premium currently applicable to these Benefit Amounts per traveler per ticket is paid.
The Common Carrier Benefit Amount is $250,000; the Emergency Medical Evacuation Benefit Amount is $10,000; and the Repatriation of Remain Benefit Amount is $10,000 when the premium currently applicable to these Benefit Amounts per traveler per ticket is paid.
The Program. If you have enrolled for coverage in the Executive Travel Accident Insurance Program, you will be covered for Accidental Death and Dismemberment Insurance, Emergency Evacuation, Repatriation of Remains Insurance and 24 Hour Assistance Services when you take a Trip on a Common Carrier. For the annual, unlimited multi-Trip plan, there is no limit to the number of Common Carrier Trips you can take in any 12 month period and coverage can be renewed each year. For the single round-Trip ticket plan, you are covered for the duration of the Trip, up to 185 consecutive days.
“Common Carrier” means any air, land, or water motorized conveyance operated under a license for the transportation of Passengers for hire for which a ticket has been issued. Common Carrier will not mean cruise ships at sea more than 12 consecutive hours or any conveyance that is hired or used for a sport, gamesmanship, contest and/or recreational activity, regardless if such conveyance is licensed, such as, but not limited to, race cars, bob sleds, hunting vehicles, sightseeing helicopters, fishing boats, parasailing/paragliding and boat cruises operating beyond 12 hours.
“Trip” means scheduled travel on a Common Carrier, up to 185 consecutive days. A Trip begins when you leave your residence or place of regular employment (whichever occurs last) to travel directly to the station, terminal or airport immediately preceeding departure on such Common Carrier. A Trip ends when you return to your residence or place of regular employment (whichever occurs first), after leaving the station, terminal or airport immediately after arrival on such Common Carrier.
Travel Accident Insurance. This insurance provides coverage while on a Trip in the event of an accidental Injury that is the sole cause of loss of life, limb, sight, speech or hearing, thumb and index finger while riding as a Passenger in or on (including getting in or out of, or on or off of or being struck by) any Common Carrier or Public Conveyance. “Passenger” means a person not performing as a pilot, operator or crew member of a conveyance. “Public Conveyance” means any land or water motorized Common Carrier, regardless of whether a ticket has been issued, including taxi, bus, train or airport limousine, but not including courtesy transportation provided without a specific charge.
The full Benefit Amount is payable for accidental loss of life, two hands or two feet, sight of both eyes, one hand or one foot and sight of one eye, speech and hearing in both ears or any combination thereof. One half of the Benefit Amount is payable for accidental loss of: one hand, one foot, sight of one eye, speech or hearing in both ears. One quarter of the Benefit Amount is payable for the accidental loss of the thumb and index finger of the same hand. “Injury” means bodily injury: (1) which is sustained as a direct result of an unintended, unanticipated accident that is external to the body and that occurs while the injured person's coverage under this Policy is in force; and (2) which directly (independent of sickness, disease, mental incapacity, bodily infirmity or any other cause) causes a covered loss. “Loss” means, with respect to a hand, complete severance through or above the wrist joint; with respect to thumb and index finger, complete severance through or above the metacarpophalangeal knuckle joint of both digits on the same hand; with respect to a foot, complete severance through or above the ankle joint; with respect to eye, total and irrecoverable loss of the entire sight in that eye; with respect to hearing in an ear, total and irrecoverable loss of the entire ability to hear in that ear; with respect to speech, total and irrecoverable loss of the entire ability to speak. “Benefit Amount” means the amount for which you have enrolled. The loss must occur within one year of the accident that caused the Injury. If you have multiple losses as the result of one accident, the Company will pay the single largest Benefit applicable to the losses incurred. In no event will duplicate enrollment forms obligate the Company in excess of the stated Benefit Amounts for any one loss sustained by any one individual as the result of any one accident.
Emergency Evacuation Insurance. This insurance provides coverage for Covered Emergency Evacuation Expenses reasonably incurred if you suffer an Injury or Emergency Sickness that warrants your Emergency Evacuation while you are on a Trip outside a 100 mile radius from your place of primary residence, up to a maximum of $10,000 for all Emergency Evacuations due to all Injuries from the same accident or all Emergency Sicknesses from the same or related causes. The physician ordering the Emergency Evacuation must certify that the severity of your Injury or Emergency Sickness warrants your Emergency Evacuation. All Transportation arrangements made for the Emergency Evacuation must be by the most direct and economical conveyance and route possible. AIG Assist must make all arrangements and must authorize all expenses in advance for any Emergency Evacuation benefits to be payable. The Company reserves the right to determine the benefits payable, including reductions, if it is not reasonably possible to contact AIG Assist in advance.
“Covered Emergency Evacuation Expense(s)”means an expense that: (1) is charged for a Medically Necessary Emergency Evacuation Service; (2) does not exceed the usual level of charges for similar Transportation, treatment, services or supplies in the locality where the expense is incurred; and (3) does not include charges that would not have been made if no insurance existed.
“Emergency Evacuation” means, if warranted by the severity of your Injury or Emergency Sickness: (1) your immediate Transportation from the place where you suffer an Injury or Emergency Sickness to the nearest hospital or other medical facility where appropriate medical treatment can be obtained; (2) your Transportation to your current place of primary residence to obtain further medical treatment in a hospital or other medical facility or to recover after suffering an Injury or Emergency Sickness and being treated at a local hospital or other medical facility; or (3) both (1) and (2) above. An Emergency Evacuation also includes medical treatment, medical services and medical supplies necessarily received in connection with such Transportation.
“Emergency Sickness” means an illness or disease, diagnosed by a physician, which meets all of the following criteria: (1) there is present a severe or acute symptom requiring immediate care and the failure to obtain such care could reasonably result in serious deterioration of your condition or place your life in jeopardy; (2) the severe or acute symptom occurs suddenly and unexpectedly; and (3) the severe or acute symptom occurs while your coverage under the Policy is in force.
“Medically Necessary Emergency Evacuation Service” means any Transportation, medical treatment, medical service or medical supply that: (1) is an essential part of an Emergency Evacuation due to the Injury or Emergency Sickness for which it is prescribed or performed; (2) meets generally accepted standards of medical practice; and (3) either is ordered by a physician and performed under his or her care or supervision or order, or is required by the standard regulations of the conveyance transporting you.
“Transportation” means moving you during an Emergency Evacuation by a land, water or air conveyance. Conveyances include, but are not limited to, air ambulances, land ambulances and private motor vehicles.
Repatriation of Remains Insurance. This insurance provides coverage for covered expenses reasonably incurred to return your body to your current place of primary residence if you suffer loss of life due to Injury or Emergency Sickness while you are on a Trip outside a 100 mile radius from your place of primary residence, up to a maximum of $10,000. Covered expenses include, but are not limited to, expenses for: (1) embalming or cremation; (2) the most economical coffins or receptacles adequate for transportation of the remains; and (3) transportation of the remains by the most direct and economical conveyance and route possible. AIG Assist must make all arrangements and must authorize all expenses in advance for this benefit to be payable. The Company reserves the right to determine the benefit payable, including any reductions, if it was not reasonably possible to contact AIG Assist in advance.
Assistance Services. In addition, you are automatically covered by our AIG 24 Hour Assistance Services Program. This program provides you with the following benefits: General Assistance, Emergency Message Center, Pre-Departure Services, Lost Baggage/Passport Services, Insurance Coordination, Evacuation and Repatriation Assistance, Travel Medical Emergency Services, Legal Assistance, Emergency Cash Services, and 24 Hour Travel Agency Services. Click here for more details.
Eligibility. The Executive Travel Insurance Program is available to United States residents age 18 years or older.
Common Carrier AD&D Exclusions. This insurance does not provide coverage and no payment shall be made for any loss resulting in whole or in part from, or contributed to by, or as a natural and probable consequence of any of the following excluded risks even if the proximate or precipitating cause of the loss is an accidental bodily Injury: 1)suicide or any attempt at suicide or intentionally self-inflicted Injury or any attempt at intentionally self-inflicted Injury or autoeroticism; 2) sickness, or disease, mental incapacity or bodily infirmity whether the loss results directly or indirectly from any of these; 3) your commission of or attempt to commit a crime; 4) infections of any kind regardless of how contracted, except bacterial infections that are directly caused by botulism, ptomaine poisoning or an accidental cut or wound independent and in the absence of any underlying sickness, disease or condition including but not limited to diabetes; 5) declared or undeclared war, or any act of declared or undeclared war; 6) participation in any team sport or any other athletic activity; 7) full-time active duty in the armed forces, National Guard or organized reserve corps of any country or international authority. (Unearned premium for any period for which you are not covered due to his or her active duty status will be refunded.) (Loss caused while on short-tem National Guard or reserve duty for regularly scheduled training purposes is not excluded); 8) travel or flight in or on (including getting in or out of, or on or off of) any vehicle used for aerial navigation, if you are: a. performing, learning to perform or instructing others to perform as a pilot or crew member of any aircraft; or b. riding as a passenger in an aircraft owned, leased or operated by your employer; 9) your being under the influence of intoxicants while operating any vehicle or means of transportation or conveyance; 10) your being under the influence of drugs unless taken under the advice of and as specified by a Physician; 11) the medical or surgical treatment of sickness, disease, mental incapacity or bodily infirmity whether the loss results directly or indirectly from the treatment; 12) stroke or cerebrovascular accident or event; cardiovascular accident or event; myocardial infarction or heart attack; coronary thrombosis; aneurysm; 13) any condition for which you are entitled to benefits under any Workers’ compensation Act or similar law; 14) your riding in or driving any type of motor vehicle as part of a speed contest or scheduled race, including testing such vehicle on a track, speedway or proving ground.
The Sickness exclusions are waived with respect to a covered person to whom Emergency Evacuation and Repatriation of Remains benefits are payable, but only with respect to Emergency Sickness suffered by such person under the circumstances described herein.
Beneficiary. The loss of life benefit is paid to your designated beneficiary. If no such designation has been made, or if no beneficiary is living on the date of your death, that benefit will be paid to the first surviving beneficiary in the following order: a) your spouse; b) your children; c) your parents; d) your brothers and sisters; or e) your estate. All other indemnities will be paid to you. The beneficiary designation supersedes any previous notification you may have made.
Insurance Effective and Termination Dates. Your insurance under this program is effective on the latest of: 1) September 1, 2004; 2) the date the first premium is paid; 3) the date you become an eligible person; or 4) the date written request for enrollment is received by Cook & Company from you. Your insurance under this program will cease on the earliest of: 1) the date the insurance policy is terminated; 2) the end of the period for which premiums have been paid; 3) the date written request for termination of coverage is received by Cook & Company from you; or 4) the date you cease to be eligible.
Notice of Claim: To file a claim under this program, simply call the Cook & Company toll free at 1-800-445-4821, or write to them at: Cook & Company, TravelCoverage.com, P.O. Box 150266, Nashville, TN 37215-0266. Cook & Company will provide you with instructions and forms for filing proof of loss. Written notice of claim must be given to the Company within 20 days after the occurrence of any covered loss, or as soon thereafter as is reasonably possible.
Travel Accident Insurance: Please read this Description of Coverage and keep it in a safe place with your other insurance documents. This Description of Coverage is not a contract of insurance but is simply an informative statement to each insured person of the principal provisions of the insurance. Complete provisions pertaining to this program of insurance are contained in Policy Number SRG 0009106311 issued and underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a member of the American International Group, Inc. (AIG) (the “Company”), with offices in New York, NY. If a conflict exists between a statement in this Description of Coverage and any provisions in the Policy, the Policy will govern.