Frequently Asked Questions (FAQs)
If this is your first experience buying Single Round Trip Travel Accident Elite, we've compiled a list of Frequently Asked Questions to help you
make your decision. Please read them over and see if your question is answered. If not, we invite you to contact us so that we
may offer further assistance.
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| Single Round Trip Travel Accident Elite |
What is the definition of a "covered trip"?
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What does this travel accident insurance cover?
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What is the definition of Common Carrier?
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On one description an act of "Terrorism" is covered and on another, an act of "Declared of Undeclared War" is excluded. Can you please explain this?
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What is the definition of a "covered trip"?
“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.
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What does this travel accident insurance cover?
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.
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What is the definition of Common Carrier?
“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.
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On one description an act of "Terrorism" is covered and on another, an act of "Declared of Undeclared War" is excluded. Can you please explain this?
An act of war is between two countries or a known armed conflict between two or more nations.
the term "act of war" means any act occurring in the course of-
(A) declared war;
(B) armed conflict, whether or not war has been declared, between two or more nations; or
(C) armed conflict between military forces of any origin; and
As opposed to an act of terrorism.
the term "terrorism" means activities that-
(A) involve acts dangerous to human life that are a violation of the criminal law
(B) appear to be intended-
(i) to intimidate or coerce a civilian population;
(ii) to influence the policy of a government by intimidation or coercion; or
(iii) to affect the conduct of a government by mass destruction, assassination, or kidnapping
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Single Round Trip Travel Accident Elite
Single Round Trip Travel Accident Elite
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