Page 17 - AtlasGroup_Specimen
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SPECIMENb. A traffic accident while en route to the point of departure from an airport outside of your
home country (substantiated by a police report); or
c. Organized labor strike, or you being hijacked or quarantined; or
d. Stolen passports or travel documents (substantiated by a police report).
YOU ARE NOT COVERED IF:
1. Expenses arise directly or indirectly from anything in the General Exclusions.
Common Carrier means an airplane, bus, train or watercraft operating for commercial purposes and
carrying fare-paying passengers on regularly scheduled and published routes.
LOST CHECKED LUGGAGE
YOU ARE COVERED:
1. Replacement of clothes and personal hygiene items, not to exceed $50 any one item.
YOU ARE NOT COVERED unless you fulfill the following conditions:
1. The lost checked luggage must have been checked, in accordance with routine luggage checking
procedures, for transportation with you, on board a regularly scheduled commercial airline or
cruise line, upon which you were a fare-paying passenger; and
2. You must file a formal claim for lost luggage with the transportation provider, and follow all
instructions and take all measures as directed by the transportation provider to locate and retrieve
the lost checked luggage; and
3. You must provide us with copies of all documentation of the claim filed with the transportation
provider, and a written statement from the transportation provider confirming that the luggage was
checked and after careful search, the luggage remains missing; and
4. The lost checked luggage must be lost as of the date of our payment and as of that date, must
have been lost for at least 10 days.
YOU ARE NOT COVERED IF:
1. Expenses arise directly or indirectly from anything in the General Exclusions.
NATURAL DISASTER - REPLACEMENT ACCOMMODATIONS
YOU ARE COVERED:
1. Replacement accommodations in the event you are displaced from planned paid
accommodations due to evacuation from forecasted natural disaster or following a natural
disaster strike.
YOU ARE NOT COVERED unless you fulfill the following conditions:
1. Following receipt of proof of payment for the accommodations from which you were displaced.
YOU ARE NOT COVERED IF:
1. Expenses arise directly or indirectly from anything in the General Exclusions.
Displaced means required to depart a destination due to an evacuation ordered by prevailing
authorities.
Natural Disaster means an event of natural cause, including wildfire, earthquake, windborne dust or
sand, volcanic eruption, tsunami, snow, rain or wind, that results in widespread and severe damage.
Natural disaster does not include the direct or indirect effect of rain, wind or water associated with
named storms meeting the definition of hurricane or typhoon, except in instances where:
1. The path of the named storm deviates by a distance of greater than 200 miles within a 72-hour
period from the path forecast by a nationally recognized meteorological service; or
2. Less than 72 hours advance notice of a potential landfall for a named storm exists.
17 Atlas Group Description of Coverage | Tokio Marine HCC - MIS Group
home country (substantiated by a police report); or
c. Organized labor strike, or you being hijacked or quarantined; or
d. Stolen passports or travel documents (substantiated by a police report).
YOU ARE NOT COVERED IF:
1. Expenses arise directly or indirectly from anything in the General Exclusions.
Common Carrier means an airplane, bus, train or watercraft operating for commercial purposes and
carrying fare-paying passengers on regularly scheduled and published routes.
LOST CHECKED LUGGAGE
YOU ARE COVERED:
1. Replacement of clothes and personal hygiene items, not to exceed $50 any one item.
YOU ARE NOT COVERED unless you fulfill the following conditions:
1. The lost checked luggage must have been checked, in accordance with routine luggage checking
procedures, for transportation with you, on board a regularly scheduled commercial airline or
cruise line, upon which you were a fare-paying passenger; and
2. You must file a formal claim for lost luggage with the transportation provider, and follow all
instructions and take all measures as directed by the transportation provider to locate and retrieve
the lost checked luggage; and
3. You must provide us with copies of all documentation of the claim filed with the transportation
provider, and a written statement from the transportation provider confirming that the luggage was
checked and after careful search, the luggage remains missing; and
4. The lost checked luggage must be lost as of the date of our payment and as of that date, must
have been lost for at least 10 days.
YOU ARE NOT COVERED IF:
1. Expenses arise directly or indirectly from anything in the General Exclusions.
NATURAL DISASTER - REPLACEMENT ACCOMMODATIONS
YOU ARE COVERED:
1. Replacement accommodations in the event you are displaced from planned paid
accommodations due to evacuation from forecasted natural disaster or following a natural
disaster strike.
YOU ARE NOT COVERED unless you fulfill the following conditions:
1. Following receipt of proof of payment for the accommodations from which you were displaced.
YOU ARE NOT COVERED IF:
1. Expenses arise directly or indirectly from anything in the General Exclusions.
Displaced means required to depart a destination due to an evacuation ordered by prevailing
authorities.
Natural Disaster means an event of natural cause, including wildfire, earthquake, windborne dust or
sand, volcanic eruption, tsunami, snow, rain or wind, that results in widespread and severe damage.
Natural disaster does not include the direct or indirect effect of rain, wind or water associated with
named storms meeting the definition of hurricane or typhoon, except in instances where:
1. The path of the named storm deviates by a distance of greater than 200 miles within a 72-hour
period from the path forecast by a nationally recognized meteorological service; or
2. Less than 72 hours advance notice of a potential landfall for a named storm exists.
17 Atlas Group Description of Coverage | Tokio Marine HCC - MIS Group
