8/14/2019 Prest Destinations comparison chart

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Prestige Destinations SM

Comprehensive Coverage for Travelers

s Year-round

coverage: One

policy covers every

trip you or your

family members

take during your

year-long policy

period.

s Covers all resident

family members,

whether traveling

alone or together

s Emergency

medical/dental

coverage

s Emergency

medical evacuation

or repatriation

s 24-hour worldwide

assistance available

in the event of

medical, legal or

travel-related

emergencies

Coverage Comparison

Special Feature 10-Day Satisfaction Guarantee: We will refund your insurance premium if you cancel your policy within 10 days

of purchase and have not filed a claim or departed on a trip.

* AMEX Platinum, MasterCard World, and Visa Signature, as of 07/05.

** Terrorist Incident: Prestige Destinations Premier: Assists policyholders however they may be affected while traveling including trip cancellation/

interruption, evacuation assistance, and medical assistance. Some limitations may apply. Prestige Destinations Standard: Coverage does not include

trip interruption/cancellation. Some limitations may apply.

*** Not available to residents of Texas or Oregon.

**** The Travel Accident Limit is for the primary insured, spouse or domestic partner. Each dependent child is covered at a limit of $10,000. Benefits will b

payable for only one loss, that being of the greatest amount.

A bus accident in Tibet left several policyholders injured. The terrain was

impassable commercial planes and private jets could not land. Working

with the local government, a Chinese military cargo plane was secured to

evacuate the injured policyholders to a hospital prepared to care for them.

Coverages Credit Card* Prestige DestinationsSM Prestige Destinations

Per Person (only if used for trip) Standard Premier

Annual Policy No Yes Yes

Family Coverage No Yes Yes

Emergency Medical Referral only $250,000 $500,000

Transportation

Emergency No $50,000 $50,000

Medical/Dental

Emergency Travel Limited Worldwide Worldwide

and Medical Assistance

Terrorist Incidents Limited Yes** Yes**

Rental Car $500 No $40,000***

Collision/Loss Damage

Travel Delay $500 $500 $1,500

Trip Interruption $500 No $1,500

Trip Cancellation Up to cost of trip No $1,500

(only if card used for

entire trip purchase)

Baggage Delay No $500 $1,500

Baggage Protection $1,500 $1,000 $1,500

Concierge Service Yes No Yes

Travel Accident $500,000 (only if Up to $125,000**** Up to $150,000****

card used for entire

trip purchase

Highlights

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s Annual Policy: Covers you on any trip of at least 100 miles

from your home for 90 days, regardless of the number of

trips you take or the reasons for the trips.

s Family Coverage: Covers you and your resident family

members, including a domestic partner living in the samehousehold, whether traveling alone or together.

s Emergency Medical Transportation: Provides medically

necessary transportation to the nearest appropriate medical

facility. Also covers the cost of transportation back home.

Includes flying a family member or friend to your bedside

if the attending physician anticipates that you will be

hospitalized for more than seven consecutive days.

s Emergency Medical and Dental*: This coverage, secondary

to existing health coverage, provides benefits for losses due

to medical and dental emergencies that occur during your

trip, greater than 100 miles from home. Provides quality,

pre-screened healthcare worldwide for any emergency med-

ical treatment you may require while traveling abroad.

s Emergency Travel and Medical Assistance: Our 24-Hour

Hotline provides you with a broad range of services in the

event of a travel or medical emergency, including medical

referral and monitoring, legal assistance, emergency message

center, emergency cash transfer, arrangement of medical

evacuations or repatriations, emergency translations, and

pre-trip assistance.

s Terrorist Incidents: Assists if you are affected by an act of

terrorism while traveling, including evacuation assistance,

medical assistance, and, if you selected Prestige DestinationsSM

Premier, trip cancellation/interruption coverage.

s Rental Car Collision/Loss Damage*: Covers physical damage

to a rental car when caused by collision, fire, storm, van-

dalism or theft during the rental period. This coverage is

primary when traveling abroad, covering accident or loss

that occurs when renting a car outside of the United States.

Each rental cannot exceed 45 days. (Not available to Texas

or Oregon residents)

s Travel Delay*: Receive up to $150 per day per person to

cover additional accommodations and travel expenses d

to a travel delay of six or more hours.

s Trip Interruption* (available on Premier only): Reimburse

the unused, non-refundable portion of your trip as well increased transportation costs to return home due to a

covered reason, including a terrorist incident that affects

your itinerary. Some limitations may apply.

s Trip Cancellation* (available on Premier only): Reimburse

your prepaid, non-refundable expenses if you must canc

your trip due to a covered reason, including illness, natu

disaster even employment lay-offs. Some limitations

may apply.

s Baggage Delay*: Covers the reasonable additional purch

of essential items if a common carrier delays or misdirec

your baggage by 24 hours or more.

s Baggage Protection*: Provides benefits for loss, damage o

theft of baggage and personal effects. Coverage is second

to coverage provided by a common carrier.

s Concierge Service (available on Premier only) : Our

concierge service provides you with information about

your destination before you travel and can help you sele

restaurants, reserve golf tee times, or secure tickets to a

local event.

s Travel Accident*: Provides coverage for loss of life, limb

eyesight within 365 days of a covered accident.

s Pre-existing Conditions Exclusion: This program does

not cover losses or expenses if they result from any injury

occurring prior to and including the effective date of this

insurance, or any illness occurring during the 120 days pr

to and including the effective date of this insurance for

which treatment by a licensed physician has been soughtor advised (or for which symptoms exist which would cau

a prudent person to seek diagnosis, care or treatment).

Youll find a complete description of coverage in the

Certificate of Insurance/Policy.

Coverage Overview

* Prestige DestinationsSM insurance benefits are underwritten by BCS Insurance Company and administered by World Access Service Corp. on

behalf of Firemans Fund Insurance Company. All benefits except Trip Cancellation/Interruption (TCI) are provided on a per trip basis. TCI coverage

limit is an annual maximum. Program not yet available to Oregon residents. Insurance coverage is provided under a Master Policy issued by BCS

Insurance Company.