ROUNDTRIP^® INTERNATIONAL Trip Protection for non-U.S. residents traveling up to 30 days

If you cannot take your trip due to a stated unforeseen event, we pay you for:

• The amount of forfeited, nonrefundable, and unused payments or deposits you paid for your trip;

• The additional cost to you if your travel supplier cancels your trip for a covered reason and you choose to replace that travel supplier with a different one;

• The reissue fee (up to $75.00) charged by the airline for your tickets if your travel supplier cancels your trip (you must have covered the entire cost of your trip including airfare);

• Airfare cancellation charges;

• Fees incurred by you for re-depositing your frequent traveler awards (frequent flyer miles or hotel/motel rewards) into your account if your trip is cancelled for any of the unforeseen events described below.

If you cannot continue or resume your trip due to a stated unforeseen event (shown below) which occurs after your departure, we will pay you for:

• The unused, nonrefundable trip arrangements you prepaid to your travel suppliers;

• Additional transportation expenses;

• Return air travel up to the lesser of the cost of an economy flight or the amount shown in the Schedule of Benefits

Effective Date - Your effective date is the start date of your plan. It is shown on your ID Card.

When Your Coverage Begins

(a) For Trip Cancellation: Coverage begins at 12:01 A.M. local time, at your location on the day after your plan payment is received by us. Trip cancellation coverage ends at the point and time of departure on your scheduled departure date.

(b) For Trip Delay: Coverage is in force while you are en route to and from your trip.

(c) For all other benefits: Coverage begins at the later of the point and time of your departure on your scheduled departure date or your actual departure on your trip.

When Your Coverage Ends Coverage is effective for the time shown on your ID Card. Your coverage will end at 11:59 P.M. local time on the earliest of the following dates:

(a) The scheduled return date as stated on the travel tickets;

(b) The date you return to your origination point if prior to your scheduled return date;

(c) The date you leave or change your trip (unless due to unforeseen events covered by this plan);

(d) If you extend the return date, coverage will terminate at 11:59 P.M., local time, at your location on your scheduled return date;

(e) the date you cancel your trip.

Extended Coverage All coverage under the plan will be extended, if:

(a) Your entire trip is covered by the plan: and

(b) Your return is delayed by covered reasons specified under Trip Cancellation, Trip Interruption or Trip Delay.
If coverage is extended for the above reasons, coverage will end on the earlier of: (a) the date you reach your return destination; or (b) 7 days after the date your trip was scheduled to be completed.

The benefits listed below are provided if your attending physician, in coordination with Seven Corners Assist, orders your emergency medical evacuation. Benefits must be pre-approved by Seven Corners Assist, which arranges for all services.

We will transport you to the closest adequate medical facility.

We will pay for an escort if you are disabled during your trip and your physician recommends it.

If you are hospitalized for more than 7 days following an evacuation, we will 1) transport dependent children home (with an escort if necessary) if they are traveling with you and/or 2) bring 1 person of your choice to/from your bedside if you are alone.

If we previously evacuated you to a medical facility, we will pay your airfare costs from that facility to your residence within 1 year from your original scheduled return date, less refunds from your unused transportation tickets.

We will return your spouse or domestic partner to your primary residence if you are hospitalized for more than 7 days, or if you die on the trip.

*Failure to utilize Seven Corner Assist to arrange for these services will result in the denial of benefits.

The following exclusions apply to Trip Cancellation, Trip Interruption, Single Occupancy Supplement, Trip Delay, Missed Connection, Emergency Accident and Sickness Medical Expense, Coma, Felonious Assault, Emergency Medical Evacuation and Medically Necessary Repatriation, Return of Mortal Remains, Baggage Delay/Baggage Delivery, and Baggage and Personal Effects.

Loss caused by or resulting from:

1. Pre-Existing Conditions (this exclusion does not apply to Emergency Medical Evacuation and Medically Necessary Repatriation, and Return of Mortal Remains);

2. Commission or the attempt to commit a criminal act by You, Your Traveling Companion, or Your Family Member, whether insured or not;

3. Claims not received by Seven Corners within ninety (90) days of the date of service;

4. Charges for Treatment which exceed Usual, Reasonable and Customary charges; or Charges incurred for Surgeries or Treatments which are Investigational, Experimental, or for research purposes; expenses which are nonmedical in nature;

5. Dental treatment except as a result of an Accidental Injury to sound natural teeth;

6. Pregnancy and childbirth (except for Complications of Pregnancy) except if hospitalized;

7. Expenses incurred as a result of being under the influence of drugs or intoxicants, unless prescribed by a Physician;

8. Treatment in connection with alcohol, drug or chemical abuse, misuse, illegal use, overuse or dependency or use of any drug or narcotic agent; Injury sustained while under the influence of or Disablement due wholly or partly to the effects of intoxicating liquor, chemicals, or drugs or narcotic agent, unless administered under the advice of a Physician and said narcotic agent was taken in accordance with the proper dosing as directed by the Physician;

9. Mental or emotional disorders, unless hospitalized;

10. Participating in professional athletics, including but not limited to the event, games, practice, conditioning and any other activity related to professional athletics;

11. Participation in any military maneuver or training exercise, police service, or any loss while You are in the service of the armed forces of any country. Orders to active military service for training purposes of 2 months or less will not constitute service in the armed forces. Upon notice to Us of entering the armed forces, We will return to You pro-rata any premium paid, less any benefits paid, for any period during which You are in such service;

12. War, hostilities or warlike operations (whether war be declared or not), Invasion, Act of an enemy foreign to the nationality of the Insured Person or the country in, or over, which the act occurs, Civil war, Riot, Rebellion, Insurrection, Revolution, Overthrow of the legally constituted government, Civil commotion assuming the proportions of, or amounting to, an uprising, Military or usurped power, Explosions of war weapons, Utilization of Nuclear, Chemical or Biological weapons of mass destruction howsoever these may be distributed or combined, Murder or Assault subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to the nationality of the Insured Person whether war be declared with that state or not. For the purpose of this Exclusion; i. Utilization of Nuclear weapons of mass destruction means the use of any explosive nuclear weapon or device or the emission, discharge, dispersal, release or escape of fissile material emitting a level of radioactivity capable of causing incapacitating disablement or death amongst people or animals. ii. Utilization of Chemical weapons of mass destruction means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing incapacitating disablement or death amongst people or animals. iii. Utilization of Biological weapons of mass destruction means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) microorganism( s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesized toxins) which are capable of causing incapacitating disablement or death amongst people or animals. Also excluded hereon is any Loss or expense of whatsoever nature directly or indirectly arising out of, contributed to, caused by, resulting from, or in connection with any action taken in controlling, preventing, or suppressing any, or all, of the situations described above. In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect;

13. Terrorist Activity. For the purpose of this Exclusion, Terrorist Activity means an act, or acts, of any person, or group(s) of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist Activity can include, but not be limited to, the actual use of force or violence and/or the threat of such use. Furthermore, the perpetrators of Terrorist Activity can either be acting alone, or on behalf of, or in connection with any organization(s) or governments(s). The Company shall not be liable for and will not provide coverage or benefits for any claim or charges, Sickness, Injury or other consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to or arising in connection with any act of Terrorism; and provided, further, the Company shall not be liable for and will not provide any coverage or benefits for any claim, charges, Sickness, Injury or other consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to or arising in connection with the following: a) The Insured Person's direct or indirect involvement in the Terrorist Activity. b) The Terrorist Activity takes place in a country or location where the United States government has issued a travel warning that has been in effect within the six (6) months prior to the Insured Person's date of arrival. c) The Insured Person unreasonably fails or refuses to depart a country or location following the date a warning to leave that country or location is issued by the United States government. (This exclusion does not apply to Trip Interruption or Trip Cancellation.)

14. Participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

15. Injury sustained while taking part in bodily contact sports; Mountaineering, hang gliding, paragliding, Parachuting, paragliding, zip lining, parasailing, bungee jumping, racing by any animal or motor vehicle or motorcycle, snowmobiling, motorcycle/motor scooter riding (whether as a passenger or driver), scuba diving involving underwater breathing apparatus (unless SSI, PADI or NAUI certified), water skiing, wakeboard riding, jet skiing, skydiving; spelunking or caving; helicopter skiing; extreme skiing; rock climbing; windsurfing, snow skiing and snowboarding (except for recreational downhill and/or cross country snow skiing or snowboarding. No cover provided while skiing/boarding in any violation of applicable laws, rules or regulations, away from prepared and market in-bound territories; and/or against the advice of the local ski school or local authoritative body); and any sport or athletic activity which is undertaken for thrill seeking and exposes the Plan Participant to abnormal or extreme risk of Injury;

16. Treatment paid for or furnished under any other individual, government, or group policy or charges provided at no cost to the Insured Person;

17. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

18. Services not shown as covered;

19. Curtailment or delayed return for other than covered Unforeseen reasons;

20. Any failure of a provider of travel related services (including any Travel Supplier) to provide the bargained-for travel services or to refund money due You;

21. Suicide, attempted suicide or any intentionally self-inflicted Injury while sane or insane committed by You, Your Traveling Companion or Your Family Member, whether or not insured;

22. Services, supplies, or Treatment prescribed, performed or provided by a Relative of the Insured Person or any family member of the Insured Person or anyone who lives with the Insured Person. This includes but is not limited to prescription medication and any diagnostic testing;

23. Expenses incurred during a hospital emergency room visit which is not of an emergency nature;

24. Expenses incurred for which travel was undertaken to seek Medical Treatment for a condition;

25. Expenses for Custodial Care, whether recommended by a Physician or not;

26. Expenses incurred after the Insured Person's Physician has limited or restricted travel;

27. Medical expenses incurred while the Insured Person is in their Home Country;

28. Diagnosis and or Treatment of venereal disease, including all sexually transmitted diseases and conditions and any and all consequences thereof;

29. Tuberculosis, severe acute respiratory syndrome or other chronic airborne pathogen;

30. Your participation in civil disorder, riot or a felony;

31. Expenses which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician; or

32. Any non-emergency Treatment or Surgery, routine physical examinations, hearing aids, eye glasses or contact lenses;

33. Treatment, services or supplies that are not administered by or under the supervision of a Physician and products that can be purchased without a doctor's prescription;

34. Care or Treatment for which compensation is payable under Worker's Compensation Law, any Occupational Disease law; the 4800 Time Benefit plan or similar legislation.

The following exclusions apply to Baggage Delay/Baggage Delivery, Baggage/Personal Effects, and Sports Equipment Rental Coverage. We will not provide benefits for any loss or damage to:

1. animals;

2. automobiles and automobile equipment;

3. boats or other vehicles or conveyances;

4. trailers, motors, motorcycles, or aircraft;

5. bicycles (except when checked as Baggage with a Common Carrier);

6. eye glasses, sunglasses or contact lenses;

7. artificial teeth and dental bridges;

8. prosthetic limbs;

9. keys, money, stamps, securities and documents;

10. tickets;

11. art objects and musical instruments;

12. consumables including medicines, perfumes, cosmetics, and perishables

13. professional or occupational equipment or property, whether or not electronic Business Equipment;

14. telephones, computer or software; or

15. property illegally acquired, kept, stored or transported.

The following exclusions apply to Baggage Delay/Baggage Delivery, Baggage/Personal Effects, and Sports Equipment Rental Coverage. Any loss caused by or resulting from the following is excluded:

1. wear and tear or gradual deterioration;

2. insects or vermin;

3. inherent vice or damage while the article is actually being worked upon or processed;

4. confiscation or expropriation by order of any government;

5. radioactive contamination;

6. war or any act of war whether declared or not;

7. property shipped as freight or shipped prior to the Scheduled Departure Date.

8. delay or loss of market value;

9. indirect or consequential loss or damage of any kind;

10. theft or pilferage while left unattended in any vehicle if the vehicle is not property secured;

11. electrical current including electric arching that damages or destroys electrical devises or appliances;

12. mysterious disappearance;

13. confiscation or expropriation by order of any government.

Exclusions For Trip Interruption, Political Evacuation, & Personal Liability To Review The Exclusions For Trip Interruption, Political

Please see the RoundTrip^® International plan document available at sevencorners.com.