Tripster Program (Enhanced)

• Availability
• Eligibility
• Who is Covered?
• When Are They Covered?
• Description of Coverages
• General Exclusions, Limitations and Definitions
• Premiums
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Availability

This program is available in the following states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Delaware, District of Columbia, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, North Dakota, New Jersey, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, and Wyoming. State exceptions may apply.

Our Enhanced Tripster Program is not available in all states. See our Tripster Countrywide Program for:

• Connecticut
• Florida
• Kansas
• Maine
• Maryland
• Montana
• South Carolina
• Vermont
• Washington

 

This is an explanation of the general purposes of the coverage described, but in no way changes or affects the policy as actually issued.

Eligibility

Organizations sponsoring group trips are eligible for coverage. Subject to state limitations, most employee, religious, charitable, educational, recreational or other similar groups are eligible for coverage under this plan. Athletic teams or groups engaging primarily in sports or unusual and hazardous activities are not eligible for this program. Groups going on ski trips are not eligible for this program.

Who is Covered?

All members of the group who are on the trip are covered. One policy covers the entire group - names are not required as all members taking the trip must be covered.

When Are They Covered?

The Hartford's Tripster policy provides 24 hour a day worldwide protection commencing the moment the members of the group leave their homes or places of employment - and continuing for the duration of the trip no matter where the members go. In fact, a Tripster policy covers all usual travel activities - sightseeing, dining, visiting customers and places of business, attending shows and other entertainment.

Scheduled Air Travel Coverage may be included or excluded at the option of the group to be insured.

Description of Coverages

Accidental Death and Dismemberment (AD&D) - pays the following to the Insured Person or his/her beneficiary for losses that occur within 180 days of an accident:

Loss:	Benefit:
Life	Principal Sum
Both Hands or Both Feet or Sight of Both Eyes	Principal Sum
One Hand and One Foot	Principal Sum
Either Hand and Sight of One Eye	Principal Sum
Either Foot and Sight of One Eye	Principal Sum
Speech and Hearing in Both Ears	Principal Sum
Either Hand or Foot	One-half the Principal Sum
Sight of One Eye	One-half the Principal Sum
Speech or Hearing in Both Ears	One-half the Principal Sum
Thumb and Index Finger on the Same Hand	One-quarter the Principal Sum

Loss of hand or foot means severance through or above wrist or ankle joint. Loss of sight, speech and hearing means entire and irrecoverable loss. Loss of thumb and index finger means actual severance through or above metacarpophalangeal joints. We will not pay more than the largest amount shown for all losses due to the same accident.

Accident Medical Expense - pays the Reasonable Expenses incurred by an Insured Person, in excess of the Deductible Amount, for Medical Care due to Injury, if the first expense is incurred within 26 weeks after the accident and the expense is incurred within 2 years of the accident. The benefit will not pay more than the Maximum Benefit for all expenses incurred as the result of any one accident. In addition, the benefit will not pay more than the Maximum Dental Limit for all expenses incurred for dental treatment, services and supplies; or more than the Maximum Benefit for all Medical Care and dental treatment, services and supplies, as the result of any one accident. The Deductible Amount will be applied separately to each accident.

Extended Coverage after Policy Expiration - If the insured person is a passenger in a public conveyance late in arriving at its destination, and this delay causes the policy to expire before the trip is completed, the Company will automatically extend coverage until the insured person ceases to be a passenger, up to 24 additional hours.

Extended Term Coverage available - If the organization is planning numerous trips throughout the year, Extended Term Coverage makes it convenient and economical to insure all of the trips with one policy. (Coverage for air travel will not be available under the policies issued with Extended Term Coverage.) The coverage, when purchased, provides for quarterly audits of the trip exposure during the one-year period of the policy. Audit reports must be submitted even if no trip exposure occurred during the quarter. One benefit plan must be selected to apply to all trips during the policy period. The rates charged for each trip will be the same as those specified excluding air travel coverage. The following information is required, in addition to the normal application, to issue Extended Term Coverage:

1. The number of trips anticipated in the coming year;
2. The itinerary of trips;
3. The duration of trips;
4. The anticipated number of people per trip;
5. The mode of travel (i.e. train, bus, etc.)

General Exclusions and Limitations

The Policy does not cover loss resulting from or for:

(1) intentionally self-inflicted Injury, suicide, or attempted suicide, whether sane or insane;
(2) war or act of war, whether declared or undeclared;
(3) Injury sustained while in the armed forces (land, water or air) of any country or international authority;
(4) Injury sustained while in or on, boarding or alighting from, being struck or run down by, any aircraft except as an airline passenger on an aircraft: (a) operated by a passenger airline on a regularly scheduled trip over its established route or that is chartered by that airline; or (b) any transport type aircraft operated by the Military Airlift Command (MAC) of the United States or any national government recognized by the United States;
(5) repair, replacement, examination for prescriptions, or fitting of: (a) eyeglasses; (b) contact lenses; or (c) hearing aids;
(6) dental work or treatment on natural teeth which is not necessary for the repair or relief of Injury;
(7) repair or replacement of existing dentures, partial dentures, braces, fixed or removable bridges, or other artificial dental restoration;
(8) repair or replacement of artificial limbs or orthopedic braces;
(9) Injury sustained while the Insured Person is voluntarily taking drugs which federal law prohibits dispensing without a prescription, including sedatives, narcotics, barbiturates, amphetamines or hallucinogens, unless the drug is taken as prescribed or administered by a licensed Physician; or
(10) Injury sustained by an Insured Person during or as a result of his or her commission of a felony or while incarcerated for a felony, except that this exclusion will not be applicable upon acquittal or dismissal of the felony charges;
(11) Injury sustained as a result of the Insured Person's being legally intoxicated from the use of alcohol while operating a motor vehicle;
(12) Injury sustained as a Member of a Team while practicing for or participating in any athletic game, event or tournament sponsored by or under the direction of any professional, semi-professional, intercollegiate, interscholastic or organized amateur league, conference or association; or traveling to or from such practice or participation;
(13) expenses covered under any automobile reparations insurance (no-fault) or automobile insurance medical payments benefit; or
(14) injury sustained by an Insured Person as a result of participation in a riot or insurrection.

Please Note: If the group elects to include air travel coverage under the policy, such coverage will apply only while group members are passengers in or on, boarding or alighting from an aircraft operated by a passenger airline on a schedule flight, or a chartered aircraft operated by such airline, or any Air Mobility Command (AMC). Air travel on any other aircraft is not covered.

If the group elects to exclude air travel coverage then group members will not be covered while passengers in or on, boarding or alighting from any aircraft.

Injury means bodily injury of an insured person that results directly and independently of all other causes from an accident that occurs while he or she is traveling on a covered trip. Sickness or disease (except pus-forming infection which shall occur through an accidental cut or wound) or hernia of any kind will not be considered as bodily injury.

Aggregate Limit* -- The plans specified for this program may be used to provide coverage as long as the aggregate limit does not exceed $1,000,000 on any group of persons known to be traveling in the same aircraft ($1,000,000 on groups traveling exclusively by land and/or water transportation, provided notification of any such scheduled group trip with a concentration in excess of $1,000,000 is given to the Accident Underwriting office no later than ten days prior to the scheduled departure date). The Accident Underwriting office must approve this trip before the risk can be bound. This notification must contain the following information:

1. Total number of persons and amount of death benefit provided;
2. Mode of travel (e.g., specify air, train, bus, etc.);
3. Name of operator (e.g., specify United Airlines, Greyhound Bus, Pennsylvania Railroad, etc.);
4. A complete schedule of the trip.

*To determine the aggregate limit for the policy, multiply the number of persons traveling together on any one conveyance by the Accidental Death Benefit selected.

Premiums

The minimum premium for the Tripster program is $310. The minimum premium is non-refundable in the event the policy is canceled after the effective date.