Travel Accident Insurance Benefit

AAA Premier

Travel Accident

Insurance Benefit

This Plan Covers up to $300,000 when

travel arrangements are made through your

local AAA Travel Agency.

Definitions

Loss of Use means the permanent and total inability of

the speciﬁed body part to function, as determined by a

physician.

Loss of Use of Arm means the Loss of Use of the arm at or

above the elbow joint.

Loss of Use of Foot means the Loss of Use of the foot at or

above the ankle joint.

Loss of Use of Hand means the Loss of Use at or above the

knuckle joints of at least four (4) ﬁngers on the same hand

or at least three (3) ﬁngers and the thumb on the same

hand.

Loss of Use of Leg means the Loss of Use of the leg at or

above the knee joint.

Loss must occur within 365 days from the date of

accident. Loss of Sight of an Eye means the permanent

loss of vision in one eye. Remaining vision must be no

better than 20/200 using a corrective aid or device as

determined by a physician. Loss of Speech means the

permanent and irrecoverable total loss of the capability

of speech without the aid of mechanical devices, as

determined by a physician. Loss of Hearing means the

permanent and irrecoverable Loss of Hearing in both ears,

as determined by a physician.

NOTE: The information contained in this brochure

is a description of the coverage, beneﬁts and exclusions

contained in the Master Policy 6477-01-32.* The

Policy Number and Master Policy are on ﬁle with the

Policyholder. All information is subject to the terms and

conditions of the Master Policy. Keep this brochure with

your important papers for your records. It will serve as an

important reminder of the valuable protection you have

under this plan.

* Plan underwritten by: Federal Insurance Company

a member insurer of the Chubb Group of

Insurance Companies

202 Hall’s Mill Road

Whitehouse Station, NJ 08889

Beneficiary

The Loss of Life beneﬁt will be paid to the beneﬁciary

designated by the Insured. If no such designation

has been made, that beneﬁt will be paid to the ﬁrst

surviving beneﬁciary in the following order: a) the

Insured person’s spouse or domestic partner, b) the

Insured’s children, c) the Insured’s parents, d) the

Insured’s brothers and sisters, e) the Insured’s estate.

All other indemnities will be paid to the Insured.

Notice of Claim

Written notice of claim should be mailed to your

local AAA ofﬁce.

The Cost

The premium for this Travel Accident Insurance is

paid for by AAA for AAA Premier Members.

Change of Beneficiary

The Loss of Life beneﬁt will be paid to the

beneﬁciary designated by the Insured. If no

such designation has been made, that beneﬁt

will be paid to the ﬁrst surviving beneﬁciary

in the order stated in the Beneﬁciary Section

of this brochure. If you wish to change

beneﬁciaries, please complete the following

information and sign below. Mail this form to

your local Auto Club ofﬁce.

Name of Beneficiary Allocation % Relationship

Signature of Member Date

Membership Number

INSURANCE • TRAVEL • AUTOMOTIVE • MEMBER SERVICES

Travel Easier Knowing You’re

Covered

The Travel Accident Insurance Program covers AAA

Premier members** that book and purchase travel on

a licensed Common Carrier and rental car through the

AAA Travel Agency. Coverage includes accidental loss

of life, limbs, sight, speech or hearing. Common Carrier

means any land, water or air conveyance operated by

those whose occupation or business is the transportation

of persons without discrimination and for hire.

Coverage applies:

1. While you are riding solely as a passenger in, entering

or exiting any conveyance operated by a common

carrier licensed for the transportation of passengers for

hire.

2. While you are riding solely as a passenger in, entering

or exiting any conveyance operated by a common

carrier licensed for the transportation of passengers

for hire, while traveling directly to or from a terminal,

station or airport;

a. immediately preceding scheduled departure of a

common carrier; or

b. immediately following scheduled arrival of a

common carrier.

3. Riding or driving in, entering or exiting from a private

passenger automobile of the strictly pleasure car type;

while going directly to the departure point or while

coming from the arrival point of a common carrier.

4. While riding or driving in, entering or exiting from

a rental car whose lease has been arranged

through your participating AAA Travel Agency in

conjunction with any airline or other common carrier

transportation.

Common Carrier and Auto Beneﬁts

The full Beneﬁt Amount of $300,000 is payable for

accidental loss of: life, two or more members, sight of

both eyes, speech and hearing or any combination

thereof. One half of the Beneﬁt Amount is payable for

Person. In-Hospital means that the Insured Person is

registered as an in-patient and conﬁned to a hospital,

while being treated by a licensed physician. Periods of

hospitalization include all In-Hospital stays related to the

same Accident. The Beneﬁt Amount will be paid until

one of the following occurs:

1. The Insured Person dies; or

2. The Insured Person is no longer hospitalized; or

3. The maximum number of days (7) of payment has

expired.

Maximum Limit of Insurance

If more than one (1) Insured Person suffers a loss in the

same accident, The Company will not pay more than

$20,000,000 per accident. If an accident results in beneﬁt

amounts becoming payable, which when totalled

exceed $20,000,000, the maximum limit of insurance will

be proportionately divided among the insured persons,

based on each applicable beneﬁt amount.

Exclusions

This insurance does not cover loss resulting from: 1) an

Insured’s emotional trauma, mental or physical illness,

disease, pregnancy, childbirth or miscarriage, bacterial

or viral infection (except bacterial infection caused

by an accident or from accidental consumption

of a substance contaminated by bacteria), or

bodily malfunctions; 2) suicide, attempted suicide

or intentionally self inﬂicted injuries; 3) declared or

undeclared war, but war does not include acts of

terrorism. 4) This insurance does not apply to an

accident occurring while an Insured is in, entering,

or exiting any aircraft while acting or training as a

pilot or crew member. This exclusion also does not

apply to passengers who temporarily perform pilot

or crew functions in a life threatening emergency;

5) This insurance does not apply to an Accident

occurring while an Insured Person is in, entering, or

existing any aircraft owned, leased or operated by the

Policyholder or any aircraft owned, leased or operated

by an employee of the Policyholder on behalf of the

Policyholder. This exclusion does not apply to aircraft

chartered with pilot or crew on a one time charter basis.

accidental loss of: one member, sight of one eye, speech

or hearing. “Member” means hand or foot. One quarter of

the Beneﬁt Amount is payable for the accidental loss of the

thumb and index ﬁnger of the same hand. “Loss” means, with

respect to a hand, complete severance throughout or above

the knuckle joints of at least four (4) ﬁngers on the same hand;

with respect to a foot, complete severance through or above

the ankle joint. Federal Insurance Company (The Company)

will consider it a loss of hand or foot even if they are later

reattached. If an Insured Person has multiple Losses as the

result of one Accident, we will pay only the single largest

Beneﬁt Amount applicable to the Losses suffered. 100% of the

beneﬁt is paid if the accident causes the Insured Person to

suffer loss of use of both arms and legs; 75% of the Beneﬁt for

both arms or both legs or a combination of an arm and a leg;

50% of the Beneﬁt for one arm or one leg, or both hands or

both feet or a combination of a hand and a foot; 25% of the

Beneﬁt for one hand or one foot.

Seat Belt Beneﬁt

Accidental Loss of Life Beneﬁts payable under the Private

Passenger Automobile coverage of this policy will be

increased 10 percent of the loss of life beneﬁt amount up to

a maximum amount of $50,000, if at the time of the Accident

the Insured Person suffers Accidental Loss of Life while:

1. operating or riding in a Private Passenger Automobile and

2. utilizing a Seat Belt

A Beneﬁt Amount will not be paid if the Insured Person is

driving or riding as a passenger in any race, or contest

of any type. The seatbelt usage must be veriﬁed by a

licensed Physician, a coroner, a police ofﬁcer or other

person of competent authority. The seat belt must have

been properly secured, and utilized in accordance with the

recommendations of its manufacturer. Private passenger

automobile means a four-wheeled motor vehicle with a

maximum seat capacity of nine (9), manufactured and

designed to travel on public roads.

In-Hospital Beneﬁts

Beneﬁts of $150 per day for each day hospitalized, up to a

total of seven days, will be paid in addition to the Accidental

Loss of Life Beneﬁt and other beneﬁt amounts for the losses

covered, to the Insured Person if an accident covered

under this policy results in the hospitalization of the Insured

** This beneﬁt is not available in the state of NY and does NOT provide any

coverage for the residents of NY.