Accident: means a sudden, unexpected, unusual, specific event that occurs at an identifiable time and place, but shall also include exposure resulting from a mishap to a conveyance in which You are traveling.

Actual Cash Value:means purchase price less depreciation.

Checked Baggage: means a piece of baggage for which a claim check has been issued to You by a Common Carrier.

Common Carrier: means any land, sea, and/or air conveyance operating under a valid license for the transportation of passengers for hire.

Company: means Nationwide Mutual Insurance Company.

Covered Trip: means any class of scheduled trips, tours or cruises for which You request coverage and remit the required premium.

Effective Date: means the date and time Your coverage begins, as outlined in the General Provisions section of this Certificate.

Exotic Vehicles: includes Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, MC/Leyland, BMW M Series, Bradley, Bricklin, Cosworth, Citroen, Clenet, De Lorean, Excalibre, Ferrari, Fiat, Iso, Jaguar, Jensen, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, MG, Morgan, Pantera, Panther, Pininfarina, Rolls Royce, Rover, Stutz, Sterling, Triumph, TVR and Yugo.

Family Member: means You or Your Traveling Companion’s legal or common law spouse, ex-spouse, Domestic Partner, parent, legal guardian, step-parent, grandparent, parents-in-law, grandchild, natural or adopted child, step-child, children-in-law, brother, sister, step-brother, step-sister, brother-in-law, sister-in-law, aunt, uncle, niece or nephew, or Business Partner who reside in the United States, Canada or Mexico.

Individual Coverage Term: means the period of time beginning when You have been enrolled for coverage under the Policy and for whom the required premium has been paid.

Insured: means the person who has enrolled for and paid for coverage under the Policy.

Loss: means injury or damage sustained by You in consequence of happening of one or more of the occurrences against which the Company has undertaken to indemnify You.

Maximum Benefit: means the largest total amount of Covered Expenses that the Company will pay for Your covered Losses.

Scheduled Departure Date: means the date on which You are originally scheduled to leave on the Covered Trip.

Scheduled Return Date: means the date on which You are originally scheduled to return to the point of origin or to a different final destination.

Traveling Companion: means a person or persons with whom You have coordinated travel arrangements and intends to travel with during the Covered Trip. Note, a group or tour leader is not considered a Traveling Companion unless You are sharing room accommodations with the group or tour leader.

You or Your: refers to all persons listed on the Confirmation of Coverage under the program purchased by the Insured.

WHEN YOUR COVERAGE BEGINS
All coverage (except Trip Cancellation) will take effect at 12:01 A.M. local time, at Your location, on the Scheduled Departure Date provided:
Departure Date provided:
(a) coverage has been elected; and
(b) the required premium has been paid.

Trip Cancellation coverage will take effect at 12:01 A.M local time at Your location, on the day after the required premium for such coverage is received by the Company or its authorized representative.

WHEN YOUR COVERAGE ENDS
Your coverage will end at 11:59 P.M. local time on the date that is the earliest of the following:
(a) the Scheduled Return Date as stated on Your Confirmation of Coverage;
(b) the date You return to Your origination point if prior to the Scheduled Return Date;
(c) the date You leave or change Your Covered Trip (unless due to unforeseen and unavoidable circumstances covered by the Policy);
(d) if You extend the return date, Your coverage will terminate at 11:59 P.M., local time, at Your location on the Scheduled Return Date;
(e) the date You cancel the Covered Trip;

Extension of Coverage: All coverage (except Trip Cancellation) under the Policy will be extended, if:
(a) Your entire Covered Trip is covered by the Policy; and
(b) Your return is delayed by an event specified under Trip Cancellation and Interruption or Trip Delay.

This extension of coverage will end on the earlier of:
(a) the date You reach Your Return Destination; or
(b) if You are unavoidably delayed in traveling on the Scheduled Return Date due to a reason covered under this Plan, benefits will be extended for the period of time needed to arrive at the point of origin or to a different final destination. In no event will coverage be extended for unscheduled extensions to Your Covered Trip (other than noted above) for which premium has not been paid in advance.
In no event will coverage be extended for unscheduled extensions to Your Covered Trip (other than noted above) for which premium has not been paid in advance.

NOTICE OF CLAIM - Written notice of claim must be given by the Claimant (either You or someone acting for You) to the Company or its designated representative within twenty (20) days after a covered Loss first begins, or as soon as reasonably possible. Notice should include Your name, and be sent to the Company's administrative office, at Nationwide Claims Administration; Seven Corners, 303 Congressional Blvd., Indianapolis, IN 46302.

PROOF OF LOSS - The Claimant must send the Company, or its designated representative, proof of Loss within ninety (90) days after a covered Loss occurs, or as soon as reasonably possible.

SUBROGATION - To the extent the Company pays for a Loss suffered by You, the Company will take over the rights and remedies You had relating to the Loss. This is known as subrogation. You must help the Company to preserve its rights against those responsible for the Loss. This may involve signing any papers and taking any other steps the Company may reasonably require. If the Company takes over Your rights, You must sign an appropriate subrogation form supplied by the Company.

PAYMENT OF CLAIMS - The Company, or its designated representative, will pay a claim after receipt of acceptable proof of Loss. Benefits for Loss of life are payable to Your beneficiary. If a beneficiary is not otherwise designated by You, benefits for Loss of life will be paid to the first of the following surviving preference beneficiaries:
(a) Your spouse
(b) Your child or children jointly
(c) Your parents jointly if both are living or the surviving parent if only one survives
(d) Your brothers and sisters jointly, or
(e) Your estate

All other claims will be paid to You. In the event You are a minor, incompetent or otherwise unable to give a valid release for the claim, the Company may make arrangement to pay claims to Your legal guardian, committee or other qualified representative.

All or a portion of all other benefits provided by the Policy may, at the option of the Company, be paid directly to the provider of the service(s). All benefits not paid to the provider will be paid to You.

Any payment made in good faith will discharge the Company's liability to the extent of the claim.

The applicable benefit amount will be reduced by the amount of benefits, if any, previously paid by other Insurance Policies. In no event will the Company reimburse You for an amount greater than the amount paid by You.

COLLISION DAMAGE WAIVER
If You rent a car while on the Covered Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will pay the lesser of:
(a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
(b) the Actual Cash Value of the car, meaning purchase price less depreciation; or
(c) the amount shown on the Confirmation of Coverage.

The following duties apply in the event of Loss:
(a) You must take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;
(b) You must report the Loss to the appropriate local authorities and the rental company as soon as possible;
(c) You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;
(d) You must provide the Company all documentation such as rental agreement, police report and damage estimate.

Coverage is provided to You, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement. Coverage is not available to residents of Texas and Oregon. This benefit does not apply to cars rented in Jamaica, Republic of Ireland, Northern Ireland and Israel.

BAGGAGE/PERSONAL EFFECTS
The Company will reimburse You, up to the maximum shown on the Confirmation of Coverage, for Loss, theft or damage to baggage and personal effects, provided You have taken all reasonable measures to protect, save and/or recover Your property at all times. The baggage and personal effects must be owned by and accompany You during the Covered Trip. This coverage is secondary to any coverage provided by a Common Carrier.

The Company will pay the lesser of the following:
(a) Actual Cash Value at time of Loss, theft or damage to baggage and personal effects, less depreciation as determined by the Company; or
(b) the cost of repair or replacement.

EXTENSION OF COVERAGE: If You checked Your property with a Common Carrier and delivery is delayed, coverage for Baggage/Personal Effects will be extended until the Common Carrier delivers the property.

The following exclusions apply to Collision Damage Waiver:
The Company will not provide benefits for any Loss or damage to:
(a) Any obligation You assume under any agreement (except insurance collision deductible);
(b) Rentals of trucks, campers, trailers, off-road or four-wheel drive vehicles, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;
(c) Any Loss that occurs if You are in violation of the rental agreement;
(d) Failure to report the Loss to the proper local authorities and the rental car company;
(e) Damage to any other vehicle, structure or person as a result of a covered Loss.

The following exclusions apply to Baggage/Personal Effects:
The Company will not provide benefits for any Loss or damage to:
(a) Animals;
(b) Automobiles and automobile equipment;
(c) Boats or other vehicles or conveyances;
(d) Trailers;
(e) Motors;
(f) Motorcycles;
(g) Aircraft;
(h) Bicycles (except when checked as baggage with a Common Carrier);
(i) Household effects and furnishing;
(j) Antiques and collectors’ items;
(k) Eyeglasses, sunglasses or contact lenses;
(l) Artificial teeth and dental bridges;
(m) Hearing aids;
(n) Prosthetic limbs;
(o) Prescribed medications;
(p) Keys, money, stamps, securities and documents;
(q) Tickets;
(r) Credit cards;
(s) Professional or occupational equipment or property, whether or not electronic business equipment;
(t) Personal computers, telephones, computer hardware or software;
(u) Sporting equipment if Loss or damage results from the use thereof.

Any Loss caused by or resulting from the following is excluded:
(a) Breakage of brittle or fragile articles;
(b) Wear and tear or gradual deterioration;
(c) Insects or vermin;
(d) Inherent vice or damage while the article is actually being worked upon or processed;
(e) Confiscation or expropriation by order of any government;
(f) War or any act of war whether declared or not;
(g) Theft or pilferage while left unattended in any vehicle;
(h) Mysterious disappearance;
(i) Property illegally acquired, kept, stored or transported;
(j) Insurrection or rebellion;
(k) Imprudent action or omission;
(l) Property shipped as freight or shipped prior to the Scheduled Departure Date

24 Hour Travel Assistance Services:
(a) Message Services: We will transmit emergency messages to family, friends or business associates.
We will advise You if we have difficulty delivering Your message and let You know that the message has been received. We will also relay non-emergency e-mail or phone messages on Your behalf at any time during Your Covered Trip.
(b) Language Interpretation Services: We provide interpretation services in major languages and will refer You to appropriate local services, if needed.
(c) Pre-Trip Travel Services: We provide 24-Hour information, help and advice for Your planned Covered Trip such as: passport and visa information, requirements and replacement; travel health information or advisories; vaccine recommendations and requirements; government agency contact information (i.e. embassies, consulates, and other departments or agencies); weather and currency information.

To facilitate prompt claims settlement:
Baggage Claims:
In case of Loss, theft, or damage to personal belongings, immediately contact the hotel manager, tour guide or representative, transportation official, or local police; report occurrence and obtain a written statement. Submit claim first to party responsible (i.e.: airline, hotel, etc.). Provide a copy of the outcome of Your claim, along with the written Loss statements, receipts, etc.

Nationwide Claims Administration provided by:
Seven Corners
303 Congressional Blvd.
Indianapolis, IN  46302
Phone: 1-877-444-5013
Fax: 317-575-2659
Hours: 8:00 – 5:00 EST Monday - Friday