Before You Leave Home, Consider the Unexpected:

What if you and your family arrive in Orlando and your baggage doesn’t?

What if a family member suddenly develops chest pains and needs medical transportation?

What if on your way home your airline goes on strike?

What if a delayed connection to Florida causes you to miss your cruise?

Whether you encounter the unforeseen or unthinkable when traveling, it is important to have the peace of mind that a Travelex protection plan provides. This plan combines comprehensive travel protection and 24 hour emergency assistance into one convenient plan.

Here are just a few of the benefits that TraveLite offers:

• Pre-existing medical conditions are covered when you enroll within 21 days of your initial trip deposit (certain exclusions apply, see below)
• Trip Interruption of up to 150% of your trip cost
• $50,000 Medical Expense and Evacuation/Repatriation
• Primary Coverage. You will always file claims first with Travelex – without deductibles

You also have the option to upgrade your TraveLite plan with:

• Flight Accident Protection of $1 million, $500,000 or $300,000
• Medical Expense/Medical Evacuation Coverage of $100,000
• Rental Vehicle Coverage of $50,000

Whether you are traveling around the world or around the country, be sure to purchase travel protection before you leave.

Travelex plans offer great value to traveling families. Children under 16 are covered at no additional cost when accompanied by a covered adult family member except for the Emergency Medical Benefit Upgrade and Flight Accident Protection.

This brochure is a brief description of the benefits of this protection plan. Certain conditions, exclusions and limitations apply as set out in the Evidence of Coverage and Confirmation of Coverage which will be sent to you upon purchase of this coverage.

Trip Cancellation/Interruption
Trip Cancellation: You are covered for certain non-refundable expenses if you must cancel or interrupt your trip for any of the following reasons:

• Covered unforeseen sickness, injury or death of you, your traveling companion, business partner or family member of either you or your traveling companion. Medically imposed restrictions must be certified by a legally qualified physician at time of loss.
• Unforeseen bankruptcy or financial default of a travel supplier which occurs more than 14 days following your Protection Plan effective date. You must purchase this plan within 21 days of initial trip deposit to qualify for this coverage.
• Strike that causes complete cessation of services of your common carrier for at least 48 hours.
• Unforeseen inclement weather which causes complete cessation of services of your common carrier for at least 24 hours.
• Employer termination or layoff affecting you or a person sharing the same room. Employment must have been with the same employer for at least 3 consecutive years.
• A terrorist incident in your departure city or city of destination within 30 days following the terrorist incident.
• You or your traveling companion are required to serve on a jury, are subpoenaed, hijacked or quarantined.
• Residence of you or your traveling companion, including your covered trip destination accommodations, is rendered uninhabitable due to unforeseen circumstances.
• Burglary of you or your traveling companion's residence within 10 days of departure or during your trip.
• Felonious assault of you or your traveling companion within 10 days of departure or during your trip.
• You or your traveling companion are called to emergency military duty for a natural disaster other than war.
• Traffic accident directly involving either you or your traveling companion, substantiated by a police report, while en route to a scheduled departure point.
• If your travel supplier cancels your trip, you are covered up to $150 for the reissue fee charged by the airline for your tickets.
• Single supplement upgrade – you are covered when your traveling companion cancels or interrupts a trip for a covered reason and you do not.

Trip Interruption: If you are prevented from completing a trip for any of the unforeseen reasons listed under Trip Cancellation, you are covered for:

• Any unused non-refundable expenses for travel arrangements.
• One way economy transportation to return to the original departure point or rejoin your trip.
• Certain accommodations and transportation expenses when a traveling companion must remain hospitalized or a covered injury or sickness not requiring hospitalization prevents you from continuing travel.

Trip Delay/Missed Connection
If your trip is delayed for 5 hours or more, Travelex will reimburse you for certain additional expenses for accommodations, transportation and meals and/or for unused non-refundable expenses for your trip.

Itinerary Change
Covers certain expenses if the travel supplier makes a change in your itinerary after your scheduled departure date which prevents you from participating in an event/activity.

Emergency Medical Benefits

Medical Expense: You are covered for emergency expenses incurred as a result of sickness or injury during your trip.

Medical Evacuation/Repatriation: Covers, if an injury or sickness first occurs during your trip, for medical evacuation when your condition is acute or life threatening and adequate treatment is not available at a local hospital or medical repatriation for you to return to your home or a hospital near your home for continued treatment. Covers up to $5,000 for the repatriation and return of remains. Any use of this benefit must be pre-approved and arranged by the authorized Assistance Company.

Baggage
You are covered for the loss, theft or damage of your baggage and passport, as well as for loss due to unauthorized use of your credit card.

Baggage Delay
If your baggage is delayed for 24 hours or more, Travelex will reimburse you for the purchase of additional clothing and personal articles.

Accidental Death & Dismemberment
You are covered for loss of life, limbs or sight due to an accidental injury while on your trip.

Travelex Travel Assistance & Conceirge Service
Travelex helps you find your way more easily whether you are traveling domestically or internationally. You can access a wide range of services on a 24/7 basis both before you go and during your trip. Services include:

• 24-hour medical assistance helpline
• Medical evacuation/repatriation
• Baggage tracking
• Lost/stolen passport/card assistance
• Emergency cash transfer
• Emergency air/hotel/car rental bookings
• Destination information and advice
• International dining recommendations
• Hospitality & event ticketing

All of the above services and more are included with your TraveLite plan.

For Travel Assistance phone numbers, please refer to your Confirmation of Coverage.

Rental Vehicle Damage Protection (optional)
When a vehicle is rented through your travel supplier for your covered trip, you are covered for any loss or damage to the rental car resulting from collision, hail, earthquake, fire, storm, theft or vandalism. (Benefit not available in Oregon).

Flight Accident Protection (optional)
You are covered for accidental death, dismemberment or loss of sight resulting from an accident while a passenger on a regularly scheduled flight.

"Family Member" means Your: legal spouse or common-law spouse (where legal), legal guardian, legal ward, son or daughter (adopted, foster, step or in-law), brother or sister (includes step or in-law), parent (includes step or in-law), grandparent (includes in-law), great-grandparent, grandchild, great-grandchild, aunt, uncle, niece, nephew or Key Person, provided the Family Member resides in the United States, Canada or Mexico.

"Key Person" means a) an employed caregiver of a legal dependant of You or b) a person to whom You are not married and with whom You have cohabited for 12 continuous months.

Enroll Within 21 Days of Your Trip Deposit

Travelex covers pre-existing medical conditions (certain exclusions apply) for people of all ages if you enroll within 21 days of your initial trip deposit and protect the full cost of your trip.

If you are not completely satisfied within 10 days of purchasing this protection plan, Travelex will refund your plan cost, as long as you have not departed on your trip or filed a claim.

All cancellations must be reported to the Travel Supplier within 72 hours of the event causing the need to cancel unless the event prevents it, and then as soon is reasonably possible. All other delays of reporting beyond 72 hours will result in reduced benefit payments.

This plan contains disability protection benefits or health protection benefits, or both, that only apply during the covered trip. You may have coverage from other sources that already provide you with these benefits. You should review your existing policies. If you have any questions about your current coverage, call your insurer or health plan provider.

"Effective Date" is:
a) If Trip Cancellation/Interruption Protection is purchased – 12:01 a.m. following:

• the Postmark of your enrollment form;
• the date you phone in the enrollment;
• the date your enrollment form is received by facsimile or
• the date you submit the enrollment via the Internet,

provided that in all cases the proper plan cost has been paid.

b) If no Trip Cancellation/Interruption Protection is purchased – 12:01 a.m. on your trip Scheduled Departure Date or 12:01 a.m. following:

• the Postmark of your enrollment form;
• the date you phone in the enrollment;
• the date your enrollment form is received by facsimile or
• the date you submit the enrollment via the Internet,

whichever is later, provided that in all cases the proper plan cost has been paid.

WHO IS ELIGIBLE?
You must be a United States resident to purchase a protection plan.
(Non-US residents are NOT eligible to buy this plan as of March 25, 2005.)

Benefits are not payable for sickness, injuries or losses of you, your traveling companion, business partner or family member:

• resulting from suicide, attempted suicide, or any intentionally self-inflicted injury while sane or insane;
• resulting from hostilities or an act of declared or undeclared war;
• while participating in maneuvers or training exercises of an armed service;
• while riding, driving or participating in races, or speed or endurance contests;
• while mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes or other special equipment);
• while participating as a member of a team in an organized sporting competition;
• while participating in skydiving, hang gliding, bungee cord jumping, deep sea diving, or scuba diving (unless You hold an open water diving certificate or You are accompnied by a dive master and not diving deeper than 130 feet);
• while piloting or learning to pilot or acting as a member of the crew of any aircraft;
• received as a result or consequence of being Intoxicated or under the influence of any controlled substance unless administered on the advice of a legally qualified physician;
• to which a contributory cause was the commission of or attempt to commit a felony or being engaged in an illegal occupation;
• resulting from a governmental regulation or prohibition;
• unless you and your traveling companion are medically fit to travel at the time of purchase of coverage;
• relating to a diagnosed Sickness from which no recovery is expected and for which only palliative treatment is provided and which carries a prognosis of death within 12 months of the coverage Effective Date;
• resulting from non-physical sickness such as mental, nervous, emotional or personality disorders in any form whatsoever unless the affected person is hospitalized for 3 consecutive days or more after the coverage Effective Date;
• due to normal childbirth, normal pregnancy (except complications of pregnancy) or voluntarily induced abortion;
• for dental treatment (except as coverage is otherwise specifically provided herein);
• where coverage has been purchased for travel to or through a city or country of destination under a travel warning issued by the United States Department of State at the time this protection plan is purchased and the sickness, injury, death, loss or delay was a direct result of the incidents surrounding the travel warning;
• resulting from the intentional release of a biological material; or
• where the purpose of travel is for you or your traveling companion to receive medical care, medication or treatment.

Some exclusions may not be valid or wording may differ in your state of residence. Please consult your Evidence of Coverage for full details.

This exclusion applies to Trip Cancellation/Interruption and Emergency Medical Expense.

The program does not cover losses or expenses if they result from:

1. Any injury to you or your traveling companion, your traveling companion's business partner or your family mmber occuring prior to and including the effective date;
2. Any sickness of you or your traveling companion, your business partner or your family member occurring during the 90 days prior to and including the effective date for which treatment by a legally qualified physician has been sought or advised or for which symptoms exist which would cause a prudent person to seek diagnosis, care or treatment.

If you have purchased a program where pre-existing conditions are waived, you are covered for these pre-existing conditions provided:

1. The protection plan was purchased within twenty-one (21) calendar days of the initial Covered Trip payment;
2. On the date of purhcase of the protection plan, you were medically fit;
3. You had not filed a claim for Trip Cancellation/Interruption due to a sickness or injury within 90 days prior to the purchase of the protectin plan;
4. You do not have a sickness excluded by General Exclusions "m)" and "n)";
5. The pre-existing conditoin exclusion applies to all amounts over the maximum waiver amount shown on the Confirmation of COverage except for Medical Evacuation/Repatriation benefits which are not subject to the maximum waiver amount.

If you do not meet the above criteria, you will still be covered for Trip Cancellation/Interruption and Emergency Medical Benefits caused by reasons other than those related to the Pre-existing Condition.

Remember to Upgrade Your Medical Coverage

You have the option of upgrading your Emergency Medical Benefits to include an additional $100,000.

Enjoy peace of mind with Rental Vehicle Damage Protection. You can purchase add-on coverage of $50,000 for just $7/day for up to a maximum of 31 days when the rental car is booked through your travel supplier.

• $1 Million, $56/person
• $500,000, $28/person
• $300,000, $17/person

The maximum flight accident coverage is $1 Million per person, per covered trip.

You can receive all the protection and assistance benefits of this protection plan without Trip Cancellation/Interruption...see the $0 band in the Rate Chart.

* $0 Trip Cost band excludes Trip Cancellation and Interruption.

For rates on travel protection where the trip cost exceeds $10,000, please look at the instant quotes link towards the top of this brochure page and fill the entire application out.

The rates above are for trips from 1-31 days in length. For trips from 32-180 days, add $5 per day.

An $8 processing fee will be added to each enrollment.

Rates are subject to change.

Optional Flight Coverage:
$1,000,000 for $56
$500,000 for $28
$300,000 for $17

Optional Rental Vehicle Damage Protection:
$7/day - # of days up to 31 days

By adding the Travelex Business Upgrade to your TraveLite or Travel Plus insurance plan for just $28 per person, you ensure that unforeseen circumstances at work will not result in the loss of your travel investment.

The Business Upgrade adds additional Trip Cancellation and Trip Interruption coverage to your TraveLite or Travel Plus insurance plan for the unforeseen business and military reasons listed below.

Recover up to 100% of your insured trip cost due to trip cancellation or 150% of your insured trip cost due to trip interruption when you, your spouse and/or your traveling companion who have also purchased the Business Upgrade:

• direct involvement in an acquisition or merger by Your/ Their employer, provided You/They are an active full-time employee of Your/Their employer at the time of such acquisition or merger;
• Your/Their business location being unsuitable for business during Your Covered Trip by fire, vandalism, burglary or Natural Disaster. Natural Disaster means a disaster resulting from natural causes including flood, hurricane, tornado, earthquake, volcanic eruption or blizzard;
• other than military, You/They are required to work during Your Covered Trip. Proof such as a notarized statement signed by an officer of Your/Their employer must be provided;
• revocation of military leave that was granted prior to the purchase of this upgrade, or, military re-assignment after the purchase of this upgrade.

"Their, They" means Your spouse and/or Your Traveling Companion who has purchased the same Business Upgrade as You.

$500,000 in Flight Accident Protection is also included in the Travelex Business Upgrade!

Please Note:

• The Travelex insurance plan and Business Upgrade must be purchased within 21 days of your initial trip deposit.
• The Business Upgrade must be purchased for all travelers, including children, in order for them to receive coverage.
• Additional flight accident insurance option can NOT be selected along with business updgrade option.

Available to policies purchased on or after March 1, 2008.