TRAVEL ACCIDENT PLUS

Travel Accidental Death and Hospital Indemnity Insurance

TERMS AND CONDITIONS

Coverage is provided to you, the Insured, and any Covered Dependents, subject to all the exclusions and provisions of the Group Policy. This Certificate is a description of the coverage provided under the Group Policy. In this Certificate, the "Insured" may be referred to as "you", "your", or "yours" and the insured family members may be referred to as "Covered Dependents", "Insured" or "Insureds". The Company will be referred to as "we", "our" or "us."

WHO IS COVERED

Insured Member: You are covered under the Group Policy.
Eligible Insureds: Includes spouse and dependent members of the family resident in the same household as the Insured Member.

WHEN COVERAGE BEGINS

Coverage for all Insured's who enrolled via Direct Response Mail and submitted application and payment via US Mail, begins at 12:01 A.M. Eastern Time on the Effective Date shown on the Certificate of Insurance.

Coverage for all Insured's who enrolled via AAA.com, begins at the Effective Date and Time reflected on the Confirmation Page of the on-line enrollment process and reflected on the Certificate of Insurance.

CONTINUATION OF COVERAGE

The term of this Certificate is one (1) year from the effective date. You may renew coverage for additional one-year periods upon timely payment of the premium due, unless terminated as provided below.

WHEN COVERAGE ENDS

Coverage will automatically terminate without notice to the Insureds on the earliest of the following dates:
  1. Any premium due date, unless payment is received by the Company within 31 days after that premium due date.
  2. The first renewal date of this Certificate of Insurance following the date the Group Policy terminates.
  3. The first renewal date of this Certificate following the date of termination of your membership in the AAA Club shown on the Certificate of Insurance.
  4. For Covered Dependents, in addition to the above, coverage will terminate when they no longer qualify as Covered Dependents.
REINSTATEMENT OR RE-ENROLLMENT

If the coverage under this Certificate of Insurance is terminated for any reason and you re-enroll or reinstate the insurance with lapse, any loss an Insured suffers during the lapse will not be covered. Lapse is the time period between the end of the terminated coverage and the beginning of the re-enrolled or reinstated Coverage.

DEFINITION OF ACCIDENTAL BODILY INJURIES AND MANNER OF TRAVEL

"Injury" or "Injuries" as used in this Certificate of Insurance means travel related accidental bodily injury to an insured which, independently of sickness and all other causes, results in death and/or Hospital confinement, provided such injuries result from travel in a manner described below.

DEFINITION OF COVERED TRAVEL ACCIDENTS

  1. Scheduled Airline.While as a passenger and not as a pilot or crew member, an Insured is riding in, boarding or alighting from an aircraft operated on a regularly scheduled flight by:
    1. a scheduled airline of United States registry holding a Certificate of Public Convenience and Necessity issued by the U. S. Department of Transportation,
    2. a scheduled airline of foreign registry holding a certificate, license or similar authorization for scheduled air transportation by the governmental authorities having jurisdiction for civil aviation in the country of registry,
    3. a transport-type aircraft operated by the Military Airlift Command of the United States or
    4. a supplemental air carrier of United States registry, authorized to operate as such, under a certificate issued by the U. S. Department of Transportation.
  2. Common Carrier Accident. While as a passenger and not as an operator or member of the crew, an Insured is riding in, boarding or alighting from
    1. public land or water conveyance provided by a common carrier primarily for passenger service or
    2. a lawfully registered passenger steamboat or steamship.
  3. Automobile. While an Insured is driving, riding in, boarding or alighting from any private passenger automobile. A "private passenger automobile" means an automobile not licensed to carry passengers for hire and which is of the pleasure type, including
    1. self-propelled motor homes and
    2. trucks with a gross vehicle weight not in excess of 8,500 pounds.
  4. Pedestrian and Bicycle. While, as a pedestrian or while riding a non-motorized bicycle or adult tricycle, an Insured is struck by a motor vehicle operated on a public street or highway.
BENEFITS FOR LOSS OF LIFE

The Company will pay the sum of ten thousand dollars ($10,000) if Injuries (as defined in the Terms and Conditions of the Policy) occur while the Insured is covered under the Group Policy and result in death.

BENEFIT FOR HOSPITAL CONFINEMENT

If Injuries to an Insured occur while he is covered by the Group Policy and result in his confinement to a Hospital; the Company will pay one hundred dollars ($100) per day for as long as he lives and remains continuously confined, provided such confinement is recommended by a currently licensed physician or surgeon.

"Hospital", as used in the Group Policy and this Certificate of Insurance, shall mean:
  1. A lawfully-operating institution for the medical care and treatment of sick and injured persons on an inpatient basis with organized facilities for diagnosis and treatment, medical supervision, surgery and 24 hour nursing service, or
  2. An institution not meeting all of the requirements of (1) above but which is accredited as a hospital by the joint Commission on Accreditation of Hospitals, or
  3. A Christian Science sanitarium operation, or listed and certified, by the first Church of Christ, Scientist, Boston, Massachusetts.
"Hospital" shall NOT mean a rest home, extended care facility, convalescent nursing home, home for the aged, skilled nursing facility, assisted living facility, or similar institution. "Hospital" shall not include a place for the care and treatment of drug addicts or alcoholics, or a mental institution and shall not include any area or unit of a "Hospital" that does not, by itself, meet the above definition of "Hospital".

EXPOSURE AND DISAPPEARANCE DUE TO AIR TRAVEL ACCIDENTS

If, while insured under the Group Policy, an Insured is unavoidably exposed to the elements because of an accident resulting in the disappearance, sinking or damaging of an air conveyance in which he was riding, and if as a result of such exposure the Insured suffers a loss, as defined above, such loss will be covered under the Group Policy.

If, while insured under the Group Policy, an Insured disappears because of an accident resulting in the disappearance or sinking of an air conveyance in which he was riding, and if the body of the Insured has not been found within fifty-two weeks after the date of such accident, it will be presumed that he suffered loss of life as a result of injuries covered by the Group Policy.

EXCLUSIONS

The Group Policy does not cover injury or death resulting from:
  1. Suicide or attempted suicide while sane or insane;
  2. Act of declared or undeclared war or participation by an Insured in any maneuvers or training exercises of an armed service
  3. An accident that occurs when an Insured is driving a private passenger automobile while under the influence of an intoxicant or any drug, unless it is being used as prescribed by a physician.
  4. An accident that occurs while an Insured is committing or attempting to commit a crime.
GENERAL PROVISIONS

  1. NOTICE OF CLAIM. Notice of claim must be given to the Company within twenty (20) days after the occurrence or commencement of any loss covered by this Group Policy, or as soon thereafter as reasonably possible. Notice given by or on behalf of the Insured or the Designated Beneficiary to the Company or to any authorized agent of the Company, with information sufficient to identify the Insured, shall be deemed notice to the Company.
  2. CLAIM FORMS AND PROOF OF LOSS. The Company, upon receipt of a notice of claim, will promptly send the Insured or Designated Beneficiary the forms required for filing a Proof of Loss for the claim. Proofs of Loss must be in writing and must include the name of the Insured, a description of the occurrence and the character and extent of the loss for which the claim is made. The written proof of loss must be received by the Company within ninety (90) days after the date of the loss for which claim is made. Failure to furnish such proof within the time required shall not invalidate or reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is given as soon as reasonably possible and in no event, except in the absence of legal capacity, later than one year from the time proof is otherwise required.
  3. TIME OF PAYMENT OF CLAIMS. All payments for claims under the Group Policy will be made promptly upon receipt of completed written proof of the loss, but in no event more than sixty (60) days after receipt of such proof.
  4. PAYMENT OF CLAIMS. Payment for loss of life will be made to the deceased Insured's Designated Beneficiary in effect at the time of injury and in accordance with the terms of this Group Policy. If no such designation is then effective, payment for loss of life of the Insured shall be made as follows:
    1. to the spouse of the deceased Insured, or
    2. equally to the then living lawful children of the deceased Insured, including stepchildren and adopted children, if any, or
    3. equally to the deceased Insured's parents or parent then living, or
    4. to the estate of the deceased Insured. Other claims that remain unpaid at the Insured's death may, at the option of the Company, be paid either to the Insured's legal beneficiary or to the Insured's estate. All claims for hospital confinement will be paid to the confined insured.
  5. CHANGE OF BENEFICIARY. The Insured Member or Additional Insured Family Member may change his Designated Beneficiary at any time, and the consent of the beneficiary is not required for any change of beneficiary. A beneficiary designation may be changed by written notice to the Company in satisfactory form. Any such change shall take effect as of the date the notice was signed, whether or not the Insured is living when the change is recorded, subject to any payment made by the Company before such recording.
  6. DUPLICATE INSURANCE UNDER THE GROUP POLICY. No Insured under the Group Policy may have in force at any time more than one Certificate of Insurance that covers him either as an insured member or an additional insured family member. In case of any duplication, only one Certificate (which shall be elected by the Insured, his Designated Beneficiary or his estate) shall be valid. The Company will return any premiums paid for duplicate coverage.
  7. EFFECTIVE TIME. The effective time for any dates used shall be 12:01 A.M. Eastern Standard Time.
  8. PRONOUNS. Masculine pronouns in the Group Policy and this Certificate of Insurance apply to both sexes.
  9. CERTIFICATE OF INSURANCE. A Certificate of Insurance will be issued to each insured member. The rights and limitations described in the Certificate of Insurance are controlled by the Provisions of the Group Policy and are subject to any changes in the Group Policy. The Company reserves the right to terminate or change the Group Policy without the consent of the Insured member. The Company shall have the Group Policy available for inspection by Insured members at all reasonable times.
  10. PHYSICAL EXAMINATIONS AND AUTOPSY. The Company, at its own expense, shall have the right and opportunity to examine the person of anyone covered under the Group Policy when and as often as it may reasonably require during the investigation of a claim under the Group Policy and to make an autopsy in case of death where it is not forbidden by law.
  11. LEGAL ACTIONS. No action, at law or in equity, shall be brought to recover on the Group Policy prior to the expiration of ninety (90) days after written proof of loss has been given to the Company in accordance with the requirements of the Group Policy. No such action shall be brought after the expiration of three (3) years after the time written proof of loss is required to be given to the Company.
  12. CONFORMITY WITH STATE STATUTES. Any provision of the Group Policy, which, on its effective date, is in conflict with the statutes of the state in which the Policyholder is located on such date, is hereby amended to conform to the minimum requirements of such statutes.
This description summarizes the benefits contained in the Group Policy issued to the Policyholder. The Group Policy therefore constitutes the entire contract between the parties and shall govern in interpretation of all claims. Insurance will apply only to AAA club Members who become and remain insured in accordance with the provisions, terms and conditions of said Group Policy.

Spencer M. Roman
Executive Vice President
And Chief Operating Officer

Paul Laskow
Vice President, Secretary
And General Counsel

Underwritten by:
KEYSTONE INSURANCE COMPANY
Wilmington, Delaware
Administrative Office:
PO Box 508
Voorhees, NJ 08043
1-800-763-2100