VACATION RENTAL ACCIDENTAL DAMAGE COVERAGE, EDGEWOOD MANSION
RIGHT TO EXAMINE YOUR DESCRIPTION OF COVERAGE If you are not satisfied for any reason, you may cancel coverage under the policy. Your premium payment will be refunded, provided that there has been no incurred covered expense and you have not left on your Trip. Return the Description of Coverage to us at the office or our authorized agent. When so returned, the Description of Coverage is void from the beginning.
DEFINITIONS “you”, “your” and “yours” refer to the Insured. “we”, “us” and “our” refer to the company providing this coverage. In addition, certain words and phrases are defined as follows:
ACCIDENT means a sudden, unexpected, unintended and external event, which causes Injury or damage. ACCOMMODATION means any establishment used for the purpose of temporary overnight lodging for which a fee is paid and reservations are required.
ACTUAL CASH VALUE means purchase price less depreciation.
DOMESTIC PARTNER means a person who is at least eighteen years of age and you can show: (1) evidence of financial interdependence, such as joint bank accounts or credit cards, jointly owned property, and mutual life insurance or pension beneficiary designations; (2) evidence of cohabitation for at least the previous 6 months; and (3) an affidavit of domestic partnership if recognized by the jurisdiction within which you reside.
FAMILY MEMBER means •Traveling Companion(s) •Insured’s or Traveling Companion’s Spouse •Insured’s, Traveling Companion’s or Spouse’s: • child; • parent; • sibling; • grandparent, great-grandparent, grandchild or greatgrandchild; • step-parent, step-child or step-sibling; • son-in-law or daughter-in-law; • brother-in-law or sister-in-law; • aunt or uncle; • niece or nephew; • legal guardian; • foster child or legal ward.
FINANCIAL INSOLVENCY means the total cessation or complete suspension of operations due to insolvency, with or without the filing of a bankruptcy petition, whether voluntary or involuntary, by a tour operator, cruise line, airline, rental car company, hotel, condominium, railroad, motor coach company, or other supplier of travel services which is duly licensed in the jurisdiction of operation other than the entity or the person, organization, agency or firm from whom you directly purchased or paid for your Trip, provided the Financial Insolvency occurs more than 14 days following your application date for this insurance. There is no coverage for the total cessation or complete suspension of operations for losses caused by fraud or negligent misrepresentation by the supplier of travel services.
HOME means your primary or secondary residence.
INJURY means bodily harm caused by an Accident which requires the in-person examination and treatment by a Physician. The Injury must be the direct cause of loss and must be independent of all other causes and must not be caused by, or result from, Sickness.
INSURED means the person named on the application form, for whom the required premium payment is received, and a Trip is scheduled and any eligible Traveling Companions who share the same Accommodation with the person enrolled and for whom the required premium payment is received. INSURER means property owner for Accidental Damage policy or assigned.
PAYMENTS means the cash, check, and/or credit card amounts paid for your Trip, including but not limited to reservation costs, timeshare exchange fees, ownership dues (not including the cost of your vacation ownership) and maintenance fees. Payments also include the units of currency purchased from a travel or vacation club to be used as valuation in payment for arrangements and to access travel arrangements (including but not limited to points, credits or other values). Such currency units must be used in accordance with travel or vacation club rules and must be for travel under a membership or for a deeded real estate product. In the case of currency units, we reserve the right to replace, restore or replenish your currency units in lieu of reimbursement.
PHYSICIAN means a person licensed as a medical doctor by the jurisdiction in which he/she is resident to practice the healing arts. He/she must be practicing within the scope of his/her license for the service or treatment given and may not be you, a Traveling Companion, or a Family Member of yours.
PRE-EXISTING CONDITION means a Sickness or Injury during the 180-day period immediately prior to your effective date for which you or your Traveling Companion: (1) received, or received a recommendation for, a diagnostic test, examination, or medical treatment; or (2) took or received a prescription for drugs or medicine. Item 2 of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 180-day period before coverage is effective under this Policy.
QUARANTINE means the enforced isolation of you or your Traveling Companion, for the purpose of preventing the spread of illness, disease or pests.
SCHEDULED DEPARTURE DATE means the date on which you are originally scheduled to leave on your Trip.
SCHEDULED RETURN DATE means the date on which you are originally scheduled to return to the point where the Trip started or to a different final destination.
SCHEDULED TRIP DEPARTURE CITY means the city where the scheduled Trip on which you are to participate originates.
SERVICE ANIMAL means any guide dog, signal dog, or other animal individually trained to work or perform tasks for the benefit of an individual with a disability, including, but not limited to, guiding persons with impaired vision, alerting persons with impaired hearing to intruders or sounds, providing animal protection or rescue work, pulling a wheelchair, or fetching dropped items.
SICKNESS means an illness or disease of the body that requires in-person examination and treatment by a Physician. .
SPOUSE means your legally wed husband/wife or Domestic Partner as defined by this Policy.
TERRORIST ACT means an act of violence, other than civil disorder or riot, (that is not an act of war, declared or undeclared) that results in loss of life or major damage to property, by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government.
TRAVELING COMPANION means a person who, during the Trip, will accompany you in the same accommodations.
TRIP means: A period of round-trip travel at least 100 miles away from Home to your designated vacation destination associated with the purchase of this insurance, excluding regular commuting and local travel; the purpose of the Trip is business or pleasure and is not to obtain health care or treatment of any kind; the Trip has defined departure and return dates specified when you purchase the coverage; the Trip does not exceed 180 days in length.
UNINHABITABLE means the dwelling is not suitable for human occupancy in accordance with local public safety guidelines.
USUAL AND CUSTOMARY CHARGE means those charges: (1) for necessary treatment and services that are reasonable for the treatment of cases of comparable severity and nature; (2) that do not exceed the usual level of charges for similar treatment, supplies or medical services in the locality where the expense is incurred; and (3) does not include charges that would not have been made if no insurance existed. In no event will Usual and Customary Charges exceed the actual amount charged. GENERAL
EXCLUSIONS 1. We will not cover for any loss under this Policy, caused by, or resulting from:
your or your Traveling Companion’s suicide, attempted suicide, or intentionally self-inflicted injury;
mental, nervous, or psychological disorders of you or your Traveling Companion;
you or your Traveling Companion being under the influence of drugs or intoxicants, unless prescribed by a Physician;
normal pregnancy or resulting childbirth, elective abortion or fertility treatment of you or your Traveling Companion;
you or your Traveling Companion operating or learning to operate any aircraft, as pilot or crew;
declared or undeclared war, or any act of war;
nuclear reaction, radiation or radioactive contamination;
any unlawful acts, committed by you or your Traveling Companion;
any amount paid or payable under any Worker’s Compensation, disability benefit or similar law;
a loss or damage caused by detention, confiscation or destruction by customs or any governmental authority, regulation or prohibition;
travel restrictions imposed for a certain area by governmental authority;
a loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when coverage is not in effect for you;
any issue or event that could have been reasonably foreseen or expected when you purchased the coverage.
CLAIMS PROVISIONS Notice of Claim We must be given written notice of claim within 90 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. Notice may be given to us or to our authorized agent. Notice should include the claimant’s name and sufficient information to identify him or her. Proof of Loss Written Proof of Loss must be sent to us within 90 days after the date the loss occurs. We will not reduce or deny a claim if it was not reasonably possible to give us written Proof of Loss within the time allowed. In any event, you must give us written Proof of Loss within twelve (12) months after the date the loss occurs unless you are medically or legally incapacitated. Your Duty to Cooperate You must provide us with receipts, proof of payment, medical authorizations, or other records and documents we may reasonably require concerning your claim. Failure or refusal to cooperate may delay or impede the resolution of your claim. Physical Examination and Autopsy At our expense, we have the right to have you examined as often as necessary while a claim is pending. At our expense, we may require an autopsy unless the law or your religion forbids it. Legal Actions No legal action may be brought to recover on the Policy within 60 days after written Proof of Loss has been given. No such action will be brought after three years from the time written Proof of Loss is required to be given. If a time limit of the Policy is less than allowed by the laws of the state where you live, the limit is extended to meet the minimum time allowed by such law. Payment of Claims
CONCEALMENT OR FRAUD We do not provide coverage if you have intentionally concealed or misrepresented any material fact or circumstance relating to this coverage. DUPLICATION OF COVERAGE You may be covered under only one travel policy with us for each Trip. If you are covered under more than one such policy, the policy with the higher coverage limit will remain in effect and the maximum benefit limit as stated in the Schedule of Coverage of such policy will be the maximum benefit payable in the event a claim occurs. In the event claim payment has been made under the duplicate policy, premiums paid less claims paid will be refunded for the duplicate coverage that does not remain in effect.
ELIGIBILITY AND EFFECTIVE DATES Who is Eligible for Coverage Coverage will be provided for all travelers, provided the required premium payment has been received by us or our authorized agent, and provided the person is a resident of the United States of America, or a non-resident who has purchased the coverage in the United States of America.
When Coverage Begins All coverages will take effect on the later of:
1. the date the premium payment has been received by us; or 2. the date and time you start your Trip; or 3. 12:01 A.M. local time at your location on the Scheduled Departure Date of your Trip. When Coverage Ends Your coverage automatically ends on the earlier of: 1. the date the Trip is completed; or 2. the Scheduled Return Date; or 3. your arrival at the return destination on a round trip, or the destination on a one-way trip; or cancellation of the Trip covered by the Policy. Extension of Coverage All coverages under the Policy will be extended if your entire Trip is covered by the Policy and your return is delayed by unavoidable circumstances beyond your control. If coverage is extended for the above reasons, coverage will end on the earlier of the date you reach your originally scheduled return destination or seven (7) days after the Scheduled Return Date.
VACATION RENTAL ACCIDENTAL DAMAGE COVERAGE
If you occupy an Accommodation and you damage the real or personal property assigned to that Accommodation during the Trip, we will reimburse you the lesser of the cost of repairs or the cost to replace the property, up to the amount shown in the Schedule. Coverage is provided to you and all travelers under the Accommodation reservation during the Trip provided you are listed on the lease agreement.
The Damage Protection Plan provides coverage for accidental damage to the rental home that can include: broken lamps, windows and glass, electronics, damaged doors, walls and furniture, stained bedding or linens, lost keys and re-keying costs.
If VACATION RENTAL ACCIDENTAL DAMAGE COVERAGE is purchased this document becomes part of the rental contract.
Coverage is not provided for loss due to:
a. inclement weather or natural disaster;
b. your intentional acts or gross negligence; c. normal wear and tear of the real or personal property assigned to the Accommodation;
d. any damage that occurs if you are in violation of the lease agreement;
e. loss, theft or damage to any personal effects owned by you or brought on the covered Trip by you or your Traveling Companion (s) ;
f. loss, theft or damage caused by any person other than you or your traveling companions with whom you share the Accommodation reservation unless substantiated by a police report.
g. you or your Traveling Companion (s) being under the influence of drugs or intoxicants, unless prescribed by a Physician;
Your Duties in the Event of a Loss:
1. take all reasonable, necessary steps to protect the property and prevent further damage to it;
2. report the loss in writing prior to check-out to the staff responsible for managing the Accommodation;
3. provide us all documentation such as the lease agreement, police report and damage estimate