Plan Disclaimers

Stress Less Service is non- insurance service through Aegis/OnCall International and is separate from insurance benefits underwritten by United States Fire Insurance Company and Zurich American Insurance Company.

Insurance coverages underwritten by Starr Indemnity & Liability Company, a Texas domiciled corporation (NAIC Company Code: 38318: TX license number: 93542) with its principal place of business at 399 Park Avenue, 2nd Floor, New York, NY 10022. 

* Benefits and limits may vary by state. Please read your Policy for specific terms and conditions.

Insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401 et al, and non-insurance Travel Assistance Services provided by Aegis General Insurance Agency.

+ All optional coverages come at an additional cost. Covered perils for Trip Cancellation/Interruption and Optional Trip Cancellation/Interruption are not identical. Additional terms apply. Offerings may vary based on state residence.

* Free Look Period: 15 days in MO.

** Not available if renting in MT or HI

*** Not applicable in MO, Medical is secondary.

° Not applicable in MO pre-ex lookback period is 90 days before effective date. This is a Waiver for the Pre-Existing Medical Condition Exclusion. You must be medically able to travel at the time the plan cost is paid. The look back period specified in your plan is the number of days prior to your effective date of coverage.

°° Two benefits are offered with separate limits: Missed Trip Connection & Missed Flight Protection. Please see plan documents for full details.

• Limited to $250 per item per day.

ᚚ Covid is treated the same as any other sickness as defined by the plan. Coverage could apply if a benefit is triggered, and is not limited to the benefits listed.

Insurance coverages underwritten by Zurich American Insurance Company, a New York domiciled company with its principal place of business at 1299 Zurich Way, Schaumburg, IL 60196 (NAIC # 16535).

* Free Look Period: 21 days in CT, KS, MO, MT, VT, WA  & 30 days in IN, NH & UT

** $100 deductible. Not available if renting in Costa Rica, Ireland, Jamaica or Mexico.

*** $50 deductible in CT, IN, KS, MO, MT, VT & WA

° Not applicable in NH, pre-ex waiver included. Not applicable in FL & ID pre-ex lookback period is 30 days prior to date premium is received.