Royal Adventure Travel Protection


PAC709112012. This Description of Coverage is a summary of the travel insurance benefits underwritten by Jubilee, Syndicate. 5820 at Lloyd's, herein referred to as the Insurers and also referred to as We, Us and Our. By renting with a Rental Guardian affiliate you have joined the PAC7 Royal Adventure Travel Protection.

                                     

Royal  Adventure  Travel  Protection:   Description  of  Coverage      

 

Royal  Adventure  Travel  Protection                                    

 

 

PAC7,  LLC.  |  12303  Highway  707  Suite  B|  Murrells  Inlet,  SC  29576                                                    Page  1  of  14                                                                                   ©  Copyright  2012  PAC7,  LLC,  All  Rights  Reserved.  Confidential              Rev.PAC709112012  

 

Royal  Adventure  Travel  Protection:   Description  of  Coverage      

    Contents       Item                                                                                                      Details                                                                                                                                                                                                                      Page       Schedule  of  Benefits                                                                                                                                                                                                                                                                                          3     Section  I  –  Coverage                                    Sub-­‐Section  1  –  Trip  Cancellation                                                                                                                      4-­‐5                                                                                                                    Sub-­‐Section  2  –  Trip  Interruption                                                                                                                      4-­‐5                                                                                                                    Sub-­‐Section  3  –  Travel  Delay                                                                                                                                        5                                                                                                                          Sub-­‐Section  4  –  Baggage  Delay                                                                                                                                5-­‐6                                                                                                                    Sub-­‐Section  5  –  Medical  /  Dental  Expense  Benefit                                                        6                                                                                                                    Sub-­‐Section  6  –  Medical  Evacuation,  Medical                                                                          6-­‐7                                                                                                                                                                                  Repatriation  and  Repatriation                                                                                                                                                                                    Of  Remains                                                                                                                      Sub-­‐Section  7  –  24  Hour  Accidental  Death  and                                                                  7                                                                                                                                                                                    Dismemberment     Section  II  –  Definitions                                                                                                                                                                                                                                                                                7-­‐9     Section  III  –  When  Coverage  Begins  and  Ends                                                                                                                                                                                          9     Section  IV  –  General  Limitations  and  Exclusions                                                                                                                                                                                10-­‐11         Section  V  –  General  Provisions                                                                                                                                                                                                                                                  11-­‐12     Section  VI  –  Claims  /  Emergency  Evacuation  Procedures                                                                                                                                              12-­‐14        

PAC7,  LLC.  |  12303  Highway  707  Suite  B|  Murrells  Inlet,  SC  29576                                                    Page  2  of  14                                                                                   ©  Copyright  2012  PAC7,  LLC,  All  Rights  Reserved.  Confidential              Rev.PAC709112012  

Royal  Adventure  Travel  Protection:   Description  of  Coverage      

This  Description  of  Coverage  is  a  summary  of  the  travel  insurance  benefits  underwritten  by  Jubilee,  Syndicate   5820  at  Lloyd’s,  herein  referred  to  as  the  Insurers  and  also  referred  to  as  We,  Us  and  Our.       By  renting  with  a  Rental  Guardian  affiliate  you  have  joined  the  PAC7  Royal  Adventure  Travel  Protection   Program  which  gives  you  access  to  purchase  exclusive  travel  products  and  services  making  your  vacation   seamless.     Important  Notice  regarding  the  Patient  Protection  and  Affordable  Care  Act:     This  insurance  is  not  subject  to,  and  does  not  provide  certain  of  the  insurance  benefits  required  by,  the  United   States’  Patient  Protection  and  Affordable  Care  Act  (PPACA).    In  no  event  will  Underwriters  provide  benefits  in   excess  of  those  specified  in  the  contract  documents,  including  but  not  limited  to  the  Contract  Schedule  of   Benefits.    This  insurance  is  not  subject  to  guaranteed  issuance  or  renewability  other  than  as  specified  in  Part   IV  (“Privilege  of  Renewal”)  of  the  Certificate  of  Coverage.    PPACA  requires  certain  U.S.  residents  and  citizens   to  obtain  PPACA  compliant  insurance  coverage.    In  certain  circumstances  penalties  may  be  imposed  on  U.S.   residents  and  citizens  who  do  not  maintain  PPACA  compliant  insurance  coverage.    You  should  consult  your   attorney  or  tax  professional  to  determine  if  PPACA's  requirements  are  applicable  to  you.         All  references  to  currency  are  in  United  States  dollars.      

Schedule  of  Benefits  

   

Sub-­‐Section  

Benefit  

Maximum  Benefit  Amount  

1  

Trip  Cancellation  

100%  of  Trip  Cost  up  to  $50,000  **  

2   3   4   5  

Trip  Interruption   Travel  Delay   Baggage  Delay   Medical  Expense   Dental  Expense   Medical  Evacuation   Medical  Repatriation   Repatriation  of  Remains   24  Hour  Accidental  Death  &   Dismemberment  

100%  of  Trip  Cost  up  to  $50,000  **   $600  ($200  per  day  maximum)   $1,000($200  per  day  maximum)   $25,000   $1,000  

6   7  

$250,000   $100,000  

  **  Any  trip  cost  that  is  over  $50,000  must  have  approval  from  the  underwriter  prior  to  purchase.  

    Maximum  length  of  Trip  is  90  days.                  

PAC7,  LLC.  |  12303  Highway  707  Suite  B|  Murrells  Inlet,  SC  29576                                                    Page  3  of  14                                                                                   ©  Copyright  2012  PAC7,  LLC,  All  Rights  Reserved.  Confidential              Rev.PAC709112012  

Royal  Adventure  Travel  Protection:   Description  of  Coverage      

SECTION  I.    COVERAGES     Please  refer  to  the  Schedule  of  Benefits  for  each  Sub-­‐Sections  Maximum  Benefit  amount.     SUB-­‐SECTION  1  –  TRIP  CANCELLATION     For  Trip  Cancellation:  Benefits  will  be  paid  up  to  the  Maximum  Benefit  Amount  shown  in  the  Schedule  of   Benefits  to  cover  You  for  the  unused  non-­‐refundable  prepaid  expenses  for  Travel  Arrangements  when  You   are  prevented  from  taking  Your  Covered  Trip.     SUB-­‐SECTION  2  –  TRIP  INTERRUPTION     For  Trip  Interruption:  Benefits  will  be  paid,  up  to  the  Maximum  Benefit  Amount,  for  the  non-­‐refundable,   unused  portion  of  the  prepaid  expenses  for  Travel  Arrangements  and/or  the  additional  transportation  cost   paid  to  return  home  or  rejoin  the  Covered  Trip,  when  You  are  prevented  from  completing  Your  Covered  Trip.     SUB-­‐SECTIONS  1  &  2  -­‐  Trip  Cancellation  and  Interruption  Covered  Reasons:     A. A  covered  Sickness  or  Injury  involving  You,  Your  Traveling  Companion  or  Business  Partner,  Your   Family  Member  or  Traveling  Companion’s  Family  Member  which  necessitates  medical  treatment  at   the  time  of  interruption  and  results  in  medically  imposed  restrictions,  as  certified  by  a  Legally   Qualified  Physician,  which  prevents  Your  continued  participation  in  the  Covered  Trip;   B. Death  involving  You,  Your  Traveling  Companion  or  Business  Partner,  Your  Family  Member  or   Traveling  Companion’s  Family  Member;   C. You  or  a  Traveling  Companion  being  hijacked,  quarantined,  required  to  serve  on  a  jury,  subpoenaed,   the  victim  of  felonious  assault  within  10  days  of  Scheduled  Departure  Date;     D. The  Customer’s  Primary  Residence  being  made  Uninhabitable  by  Natural  Disaster,    vandalism  or   burglary  of  the  Customer’s  Primary  Residence  within  10  days  of  Scheduled  Departure  Date;   E. You  or  a  Traveling  Companion  being  directly  involved  in  a  traffic  accident  substantiated  by  a  police   report,  while  en  route  to  departure;   F. The  Customer,  Traveling  Companion,  Family  Member  or  Traveling  Companion’s  Family  Member,   who  are  military  personnel,  and  are  called  to  emergency  duty  for  a  Natural  Disaster;   G. Strike  that  causes  complete  cessation  of  services  for  at  least  48  consecutive  hours;   H. Inclement  Weather  causing  delay  or  cancellation  of  travel  that  results  in  a  loss  of  at  least  50%  of  the   Customer’s  trip  length;   I. The  Customer’s  destination  is  under  a  mandatory  evacuation  or  is  being  made  inaccessible  or   Uninhabitable  by  a  Natural  Disaster.    The  Insurers  will  only  pay  benefits  for  losses  occurring  within   30  days  after  the  Natural  Disaster  makes  the  Customer’s  destination  inaccessible  or  Uninhabitable.     Benefits  are  not  payable  if  the  Natural  Disaster  is  a  Hurricane  or  any  other  storm  that  is  named  on  or   before  the  Effective  Date  of  the  Customer’s  Royal  Adventure  Travel  Protection  coverage;   J. Sickness,  accidental  Injury  or  death  of  the  Customer’s  child  caregiver  which  results  in  medically   imposed  restrictions  as  certified  by  a  Legally  Qualified  Physician  at  the  time  of  loss  preventing  the   Customer’s  continued  participation  in  the  Covered  Trip.    A  Legally  Qualified  Physician  must  advise   that  the  child  caregiver  is  unable  to  provide  basic  childcare  services  while  the  Customer  is  on  the   Covered  Trip  on  or  before  the  Scheduled  Departure  Date;   K. Mechanical  breakdown  or  equipment  failure  of  a  Common  Carrier  that  occurs  on  a  Scheduled   Departure  Date  and  causes  complete  cessation  of  the  Customer’s  travel  and  results  in  a  loss  of  at  least   50%  of  the  Customer’s  trip  length;   L. The  Customer  or  Traveling  Companion  has  an  employer-­‐initiated  transfer  of  employment  of  250   miles  or  more  within  the  same  organization  which  requires  the  Customer’s  Primary  Residence  to  be   relocated;   M. The  Customer  or  Traveling  Companion  has  a  previously  approved  military  leave  revoked  or   experiences  a  military  re-­‐assignment.    Such  revocation  must  be  in  writing  by  a  superior  officer  and   PAC7,  LLC.  |  12303  Highway  707  Suite  B|  Murrells  Inlet,  SC  29576                                                    Page  4  of  14                                                                                   ©  Copyright  2012  PAC7,  LLC,  All  Rights  Reserved.  Confidential              Rev.PAC709112012  

Royal  Adventure  Travel  Protection:   Description  of  Coverage      

must  not  be  due  to  a  base  or  unit  mobilization,  unit  or  personal  reassignment  for  any  reason   (whether  temporary  or  permanent),  or  disciplinary  action;   N. The  primary  or  secondary  school  where  the  Customer  or  Traveling  Companion  is  an  employee  or   student  must  extend  its  operating  session  beyond  its  regular  schedule,  which  causes  an  extension  of   the  originally  scheduled  school  year  beyond  the  originally  scheduled  end  date  and  the  Scheduled   Departure  Date  falls  within  that  period  of  time;   O. The  Customer  is  terminated  through  no  fault  of  his  or  her  own,  or  laid  off  from  employment  subject   to  two  years  of  continuous  employment  at  the  place  of  employment  where  terminated.    This   provision  is  not  applicable  to  temporary  employment,  independent  contractors  or  self-­‐employment;   P. Theft  of  passports  or  visas  specifically  required  for  the  Customer  or  Traveling  Companion’s  Covered   Trip  verified  by  a  police  report;   Q. A  Terrorist  Incident,  which  occurs  in  your  departure  city  or  in  a  city  that  is  a  scheduled  destination   for  your  Covered  Trip,  provided  the  Terrorist  Incident  occurs  within  10  days  of  the  Scheduled   Departure  Date  of  your  Covered  Trip.     Provided  such  circumstances  occurred  after  Your  Effective  Date.     These  benefits  will  not  duplicate  any  benefits  payable  under  the  policy  or  any  coverage(s)  attached  to  the   policy.     SUB-­‐SECTION  3  -­‐  TRAVEL  DELAY     Benefits  will  be  paid  for  reasonable  accommodation,  meal,  telephone  and  local  transportation  expenses   incurred  by  You  up  to  the  Maximum  Benefit  Amount  shown  in  the  Schedule  of  Benefits  if  You  are  delayed  for   12  hours  or  more  while  en  route  to  or  from,  or  during  a  Covered  Trip,  due  to:     1. any  delay  of  a  Common  Carrier.    The  delay  must  be  certified  by  the  Common  Carrier;   2. a  traffic  accident  in  which  You  or  Your  Traveling  Companion  are  directly  involved  (must  be   substantiated  by  a  police  report);   3. lost  or  stolen  passports,  travel  documents  or  money  (must  be  substantiated  by  a  police  report);     4. quarantine,  hijacking,  unannounced  strike,  Natural  Disaster,  terrorism  or  riot;   5. Inclement  Weather  which  prohibits  the  Customer’s  departure;   6. Injury  or  Sickness  of  the  Customer  or  Traveling  Companion.     Benefits  will  not  be  paid  for  any  expenses,  which  have  been  reimbursed,  or  for  any  services  that  have  been   provided  by  the  Common  Carrier.     These  benefits  will  not  duplicate  any  benefits  payable  under  the  policy  or  any  coverage(s)  attached  to  the   policy.     SUB-­‐SECTION  4  -­‐  BAGGAGE  DELAY     If,  while  on  a  Covered  Trip,  Your  checked  baggage  is  delayed  or  misdirected  by  a  Common  Carrier  for  more   than  12  hours  from  Your  time  of  arrival  at  a  destination  other  than  at  Your  place  of  Primary  Residence,   benefits  will  be  paid,  up  to  the  Maximum  Benefit  Amount  shown  in  the  Schedule  of  Benefits,  for  the  actual   expenditure  for  necessary  personal  effects.    You  must  be  a  ticketed  passenger  on  a  Common  Carrier.    The   Common  Carrier  must  certify  the  delay  or  misdirection.    Receipts  for  the  purchases  must  accompany  any   claim.     Benefits  will  not  be  paid  for  any  expenses  which  have  been  reimbursed  or  for  any  services  which  have  been   provided  by  the  Common  Carrier,  hotel  or  PAC7;  nor  will  benefits  be  paid  for  loss  or  damage  to  property   specifically  scheduled  under  any  other  insurance.     PAC7,  LLC.  |  12303  Highway  707  Suite  B|  Murrells  Inlet,  SC  29576                                                    Page  5  of  14                                                                                   ©  Copyright  2012  PAC7,  LLC,  All  Rights  Reserved.  Confidential              Rev.PAC709112012  

Royal  Adventure  Travel  Protection:   Description  of  Coverage      

These  benefits  will  not  duplicate  any  benefits  payable  under  the  policy  or  any  coverage(s)  attached  to  the   policy.     SUB-­‐SECTION  5  -­‐MEDICAL  /  DENTAL  EXPENSE  BENEFIT     If  the  Customer  suffers  an  Injury  or  Sickness  and  or  dental  expense,  during  the  Covered  Trip,  that  requires   him  or  her  to  be  treated  by  a  Legally  Qualified  Physician  or  dentist  the  Insurers  will  pay  the  reasonable  and   customary  charges  up  to  the  Maximum  Benefit  Amount  shown  in  the  Schedule  of  Benefits.    The  Insurers  will   reimburse  the  Customer  for  Medically  Necessary  covered  expenses  incurred  to  treat  the  Injury  or  Sickness   during  the  Covered  Trip  provided  that  the  initial  treatment  was  received  during  the  Covered  Trip.    The  Injury   must  occur  during  the  Covered  Trip.    The  Sickness  must  begin  during  the  Covered  Trip.    The  Insurers  will  pay   for:     A. Hospital  charges;   B. services  of  a  Legally  Qualified  Physician;   C. services  of  a  registered  nurse  (R.N.);   D. local  ambulance  service  to  or  from  a  Hospital;   E. x-­‐ray  /  x-­‐rays;   F. the  cost  of  emergency  dental  treatment,  by  a  Legally  Qualified  Physician  or  dentist,  during  a  Covered   Trip  only  and  limited  to  the  Maximum  Benefit  Amount  shown  in  the  Schedule  of  Benefits.    Coverage   for  emergency  dental  treatment  does  not  apply  to  any  treatment  or  expense  that  is  incurred  after  the   Customer  has  reached  his  or  her  return  destination,  regardless  of  the  reason.     SUB-­‐SECTION  6  -­‐  MEDICAL  EVACUATION,  MEDICAL  REPATRIATION  AND  REPATRIATION  OF  REMAINS     When  You  suffer  a  loss  of  life  for  any  reason  or  incur  a  Sickness  or  Injury  during  the  course  of  a  Covered  Trip,   the  following  benefits  are  payable,  up  to  the  Maximum  Benefit  Amount.     For  Emergency  Medical  Evacuation:  If  the  local  attending  Legally  Qualified  Physician  and  On  Call   International  determine  that  transportation  to  a  Hospital  or  medical  facility  is  Medically  Necessary  to  treat  an   unforeseen  Sickness  or  Injury  which  is  acute  or  life  threatening  and  adequate  medical  treatment  is  not   available  in  the  immediate  area,  the  transportation  expense  incurred  will  be  paid  for  the  usual  and  customary   charges  for  transportation  to  the  closest  Hospital  or  medical  facility  capable  of  providing  that  treatment.     If  You  are  in  the  Hospital  for  more  than  7  consecutive  days  and  Your  dependent  children  who  are  under  18   years  of  age  and  accompanying  You  on  the  Covered  Trip,  are  left  unattended,  Economy  Transportation  will  be   paid  to  return  the  dependents  to  their  home  (with  an  attendant,  if  considered  necessary  by  On  Call   International).     If  You  are  traveling  alone  and  will  be  Hospitalized  for  more  than  7  consecutive  days  and  Emergency   Evacuation  is  not  imminent,  benefits  will  be  paid  to  transport  one  person,  chosen  by  You,  by  Economy   Transportation,  for  a  single  visit  to  and  from  Your  bedside.     For  Medical  Repatriation:  If  the  local  attending  Legally  Qualified  Physician  and  On  Call  International   determine  that  it  is  Medically  Necessary  for  You  to  return  to  Your  place  of  permanent  residence  because  of  an   unforeseen  Sickness  or  Injury  which  is  acute  or  life-­‐threatening,  the  transportation  expense  incurred  will  be   paid  for  Your  return  to  Your  Primary  Residence  or  to  a  Hospital  or  medical  facility  closest  to  Your  Primary   Residence  capable  of  providing  that  treatment,  via  one  of  the  following  methods  of  transportation,  as   approved,  in  writing,  by  On  Call  International:     A. one-­‐way  Economy  Transportation;   B. commercial  air  upgrade  (to  Business  or  First  Class),  based  on  Your  condition  as  recommended  by  the   local  attending  Legally  Qualified  Physician  and  verified  in  writing;  or   PAC7,  LLC.  |  12303  Highway  707  Suite  B|  Murrells  Inlet,  SC  29576                                                    Page  6  of  14                                                                                   ©  Copyright  2012  PAC7,  LLC,  All  Rights  Reserved.  Confidential              Rev.PAC709112012  

C.

Royal  Adventure  Travel  Protection:   Description  of  Coverage      

other  covered  land  or  air  transportation  including,  but  not  limited  to,  commercial  stretcher,  medical   escort,  or  the  usual  and  customary  charges  for  air  ambulance,  provided  such  transportation  has  been   pre-­‐approved  and  arranged  by  On  Call  International.     Transportation  must  be  via  the  most  direct  and  economical  route.     For  Repatriation  of  Remains:    In  the  event  of  Your  death,  the  expense  incurred  will  be  paid  for  minimally   necessary  casket  or  air  tray,  preparation  and  transportation  of  Your  remains  to  Your  Primary  Residence  or  to   the  place  of  burial.     If  benefits  are  payable  and  You  have  other  insurance  that  may  provide  benefits  for  this  same  loss,  We   reserve  the  right  to  recover  benefits  from  such  other  insurance.    You  shall:     a. notify  Us  of  any  other  insurance;   b. help  Us  exercise  the  Insurers  rights  in  any  reasonable  way  that  We  may  request,  including   the  filing  and  assignment  of  other  insurance  benefits;   c. not  do  anything  after  the  loss  to  prejudice  Our  rights;  and   d. reimburse  Us,  to  the  extent  of  any  payment  We  have  made,  for  benefits  received  from  such   other  insurance.     All  covered  expenses  must  be  pre-­‐approved  by  On  Call  International.     SUB-­‐SECTION  7  –  24  HOUR  ACCIDENTAL  DEATH  AND  DISMEMBERMENT     You  are  eligible  for  benefits  24  hours  a  day,  up  to  the  Maximum  Benefit  Amount  when  You  sustain  an  Injury   during  the  Covered  Trip  which  results  in  any  of  the  following  losses  within  180  days  of  the  date  of  the  Injury   causing  the  Loss.     Benefits  will  be  paid  as  follows:   The  benefit  amount  shown  in  the  Schedule  of  Coverage  for  death;  loss  of  speech  and  hearing  in  both  ears,  or   loss  of  any  combination  of  two  hands,  feet,  eyes,  one-­‐half  the  benefit  amount  for  loss  of  any  one  of  these;  and   one-­‐quarter  the  amount  of  loss  of  thumb  and  index  finger  of  the  same  hand.  In  no  event  will  the  Insurers  pay   more  than  the  Maximum  Benefit  Amount  shown  on  the  Schedule  of  Coverage’s  for  all  losses  due  to  the  same   accident.     The  Principal  Sum  is  shown  in  the  Schedule  of  Benefits.     SECTION  II.    DEFINITIONS     For  any  capitalized  terms  or  phrases  not  defined  below,  please  refer  to  the  complete  certificate/policy.     “Business  Partner”  means  a  person  who  is  involved  with  the  Customer  or  the  Customer’s  Traveling   Companion  in  legal  business  partnership,  who  is  involved  in  the  daily  management  of  the  business  or  owns  at   least  10%  of  the  same  business.   “Common  Carrier”  means  any  land,  sea,  and/or  air  conveyance  operating  under  a  valid  license  for  the   transportation  of  passengers  for  hire.   “Covered  Trip”  means  scheduled  trips,  tours  or  cruises  for  which  (a)  coverage  is  requested:  and  (b)  the   required  premium  is  submitted  prior  to  the  Scheduled  Departure  Date.   “Customer  or  Customer’s”  means  a  person  who  purchased  the  Covered  Trip  and  who  has  paid  the  required   cost  for  the  Royal  Adventure  Travel  Protection  provided  herein,  and  also  referred  to  as  You  and  Your.    

PAC7,  LLC.  |  12303  Highway  707  Suite  B|  Murrells  Inlet,  SC  29576                                                    Page  7  of  14                                                                                   ©  Copyright  2012  PAC7,  LLC,  All  Rights  Reserved.  Confidential              Rev.PAC709112012  

Royal  Adventure  Travel  Protection:   Description  of  Coverage      

“Economy  Transportation”  means  the  lowest  published  available  transportation  rate  for  a  ticket  on  a   Common  Carrier  matching  the  original  class  of  transportation  that  the  Customer  purchased  for  the  Covered   Trip.   “Effective  Date”  means  at  12:01  a.m.  on  the  date  the  trip  cancellation  payment  is  paid  in  full  to  our   authorized  agent  for  Your  Covered  Trip.   “Family  Member”  means  Your  or  a  Traveling  Companion’s  legal  spouse  or  common-­‐law  spouse  where  legal;   legal  guardian;  son  or  daughter  (adopted,  foster  or  step);  son-­‐in-­‐law;  daughter-­‐in-­‐law;  grandmother;   grandmother-­‐in-­‐law;  grandfather;  grandfather-­‐in-­‐law;  grandchild;  aunt;  uncle;  niece;  or  nephew;  brother,   step-­‐brother;  sister;  step-­‐sister;  brother-­‐in-­‐law;  sister-­‐in-­‐law;  mother;  father;  step-­‐parent.   “Hospital”  means  an  institution  which  meets  all  of  the  following  requirements:    (a)  It  must  be  operated   according  to  law;  (b)  It  must  give  24-­‐hour  medical  care,  diagnosis  and  treatment  to  the  sick  or  injured  on  an   inpatient  basis;  (c)  It  must  provide  diagnostic  and  surgical  facilities  supervised  by  Legally  Qualified   Physicians;  (d)  registered  nurses  must  be  on  24-­‐hour  call  or  duty;  and  (e)  the  care  must  be  given  either  on  the   Hospital’s  premises  or  in  facilities  available  to  the  Hospital  on  a  prearranged  basis.    A  Hospital  is  not:    (a)  a   rest,  convalescent,  extended  care,  rehabilitation  or  other  nursing  facility;  (b)  a  facility  which  primarily  treats   mental  illness  alcoholism,  or  drug  addiction  (or  any  ward,  wing,  or  other  section  of  the  Hospital  used  for  such   purposes);  (c)  or  a  facility  which  provides  hospice  care  (or  ward,  wing  or  other  section  of  a  Hospital  for  such   purposes).   “Inclement  Weather”  means  any  severe  weather  condition  which  delays  the  scheduled  arrival  or  departure   of  a  Common  Carrier  or  prevents  the  Customer  from  reaching  his  or  her  destination  when  traveling  by  an   owned  or  rented  vehicle.   “Injury”  or  “Injuries”  means  accidental  bodily  injuries:  (a)  received  while  the  Customer  is  under  the  policy   and  any  attached  coverage’s:  (b)  verified  by  a  Legally  Qualified  Physician:    (c)  resulting  in  loss  independently   of  Sickness  and  all  other  causes:  and  (d)  not  excluded  from  coverage.    “Hurricane”  means  a  tropical  cyclone  in  which  the  maximum  1  minute  sustained  surface  wind  is  74  miles   per  hour  (64  knots)  or  greater.   “Legally  Qualified  Physician”  means  a  physician  or  a  Christian  Science  Practitioner  (a)  other  than  You,  a   Traveling  Companion  or  a  Family  Member:  (b)  practicing  within  the  scope  of  their  license:  and  (c)  recognized   as  a  physician  in  the  place  where  the  services  are  rendered.   “Medically  Necessary”  means  that  a  treatment,  service  or  supply:    (a)  is  essential  for  diagnosis,  treatment,  or   care  of  the  Injury  or  Sickness  for  which  it  is  prescribed  or  performed;  (b)  meets  generally  accepted  standards   of  medical  practice;  (c)  is  ordered  by  a  Legally  Qualified  Physician  and  performed  under  his  or  her  care,   supervision,  or  order;  and  (d)  is  not  primarily  for  the  convenience  of  the  Customer,  Legally  Qualified   Physician,  other  providers,  or  any  other  person.   “Natural  Disaster”  means  a  flood,  Hurricane  or  other  severe  wind  storm,  tornado,  earthquake,  fire,  wildfire,   volcanic  eruption  or  blizzard  that  is  due  to  natural  causes.   “Pre-­‐existing  Conditions”  means  any  Injury,  Sickness  or  condition  (including  any  condition  from  which   death  ensues)  of  the  Customer,  or  Traveling  Companion,  or  Your  and/or  Traveling  Companion’s  Family   Member  or  Your  Business  Partner  for  which  medical  advice,  diagnosis,  care  or  treatment  was  recommended   or  received  by  a  Legally  Qualified  Physician  within  the  60  day  period  ending  on  the  Effective  Date.    Sicknesses   or  conditions  are  not  considered  pre-­‐existing  if  the  Sickness  or  condition  for  which  prescribed  drugs  or   medicine  is  taken  remains  controlled  without  any  change  in  the  required  prescription.   “Primary  Residence”  means  a  person’s  fixed,  permanent  and  principal  home  for  legal  and  tax  purposes.   “Sickness”  means  an  illness  or  disease  that  is  diagnosed  or  treated  by  a  Legally  Qualified  Physician  after  the   Effective  Date  of  insurance  and  while  You  are  covered  under  the  policy.   “Scheduled  Departure  Date”  means  the  date  on  which  the  Customer  is  originally  scheduled  to  leave  on  his   or  her  Covered  Trip.   “Scheduled  Return  Date”  means  the  date  in  which  the  Customer  is  scheduled  to  return  to  the  point  where   the  Covered  Trip  started  or  to  a  different  specified  return  destination.   “Strike”  means  a  stoppage  of  work:    (a)  announced,  organized,  and  sanctioned  by  a  labor  union  and  (b)  which   interferes  with  the  normal  departure  and  arrival  of  a  Common  Carrier.    This  includes  work  slowdowns  and   sickouts.    The  Customer’s  trip  cancellation  coverage  must  be  effective  prior  to  when  the  Strike  is  foreseeable.     A  Strike  is  foreseeable  on  the  date  the  labor  union  members  vote  to  approve  a  Strike   PAC7,  LLC.  |  12303  Highway  707  Suite  B|  Murrells  Inlet,  SC  29576                                                    Page  8  of  14                                                                                   ©  Copyright  2012  PAC7,  LLC,  All  Rights  Reserved.  Confidential              Rev.PAC709112012  

Royal  Adventure  Travel  Protection:   Description  of  Coverage      

“Terrorist  Incident”  means  any  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.   “Travel  Arrangements”  means  those  Travel  Arrangements  for  which  You  have  purchased  coverage.   “Traveling  Companion”  means  a  person  who,  during  the  Covered  Trip,  will  share  accommodations  with  You   in  the  same  room,  cabin,  condominium,  apartment  unit  or  other  lodging.   “Traveling  Companion’s  Family  Member”  means  a  Traveling  Companion’s  spouse,  children,  parents,   grandparents  or  grandchildren.    “Uninhabitable”  means  (1)  the  building  structure  itself  is  unstable  and  there  is  a  risk  of  collapse  in  whole  or   in  part;  (2)  there  is  exterior  or  structural  damage  allowing  elemental  intrusion,  such  as  rain,  wind,  hail  or   flood;  (3)  immediate  safety  hazards  have  yet  to  be  cleared,  such  as  debris  on  roofs  or  downed  electrical  lines;   or  (4)  the  rental  property  is  without  electricity  or  water.   “You  or  Your”  means  the  Customer.     SECTION  III.    WHEN  COVERAGE  BEGINS  AND  ENDS     Your  Term  of  Coverage:     For  Trip  Cancellation:    Full  payment  for  Royal  Adventure  Travel  Protection  must  be  received  prior  to  or  be   included  in  the  final  payment  for  Your  Covered  Trip  in  order  for  the  Pre-­‐existing  Conditions  Exclusion  to  be   waived.    Full  payment  for  Royal  Adventure  Travel  Protection  must  occur  no  later  than  30  days  prior  to  arrival   or  by  the  final  trip  payment.    Coverage  for  this  policy  begins  on  Your  Effective  Date  which  is  at  12:01  a.m.   local  time  at  Your  location  on  the  day  after  the  date  the  Royal  Adventure  Travel  Protection  payment  is  paid  in   full  to  our  authorized  agent  for  Your  Covered  Trip.    All  coverage,  other  than  Trip  Cancellation,  automatically   ends  at  the  earliest:     1. at  the  point  and  time  of  return  on  or  before  the  Scheduled  Return  Date;  or   2. Your  arrival  at  the  return  destination  a  round  trip,  or  the  destination  on  a  one-­‐way  trip.     Trip  Cancellation  coverage  automatically  ends  on  the  earliest:     1. cancellation  of  the  Covered  Trip  that  is  covered  by  Royal  Adventure  Travel  Protection;  or   2. the  date  and  time  the  Customer  starts  his  or  her  trip.     All  coverage  under  Royal  Adventure  Travel  Protection  (except  Trip  Cancellation)  will  be  extended  if  your   entire  Covered  Trip  is  covered  by  Royal  Adventure  Travel  Protection  and  Your  return  is  delayed  by   unavoidable  circumstances  that  are  beyond  Your  control.     If  coverage  is  extended,  it  will  end  on  the  earlier  of:     1. the  date  the  Customer  reaches  his  or  her  return  destination;  or   2. 7  days  after  the  Covered  Trip  was  scheduled  to  be  completed.     For  Travel  Delay:    Coverage  is  in  force  while  en  route  to  and  from  and  during  the  Covered  Trip.     For  all  other  coverage’s:    All  other  Benefits  begin  on  12:01  a.m.  on  Your  Scheduled  Departure  Date.       Coverage  ends  at  the  point  and  time  of  return  on  Your  Scheduled  Return  Date.     You  may  cancel  your  coverage  under  the  policy  by  giving  PAC7  written  notice  within  the  10  days  from  the   Effective  Date  of  Your  coverage.    If  you  do  this,  the  Insurers  will  refund  Your  premium  paid  provided  that  you   have  not  filed  a  claim  under  the  policy.     PAC7,  LLC.  |  12303  Highway  707  Suite  B|  Murrells  Inlet,  SC  29576                                                    Page  9  of  14                                                                                   ©  Copyright  2012  PAC7,  LLC,  All  Rights  Reserved.  Confidential              Rev.PAC709112012  

Royal  Adventure  Travel  Protection:   Description  of  Coverage      

    SECTION  IV.  GENERAL  LIMITATIONS  AND  EXCLUSIONS     Benefits  are  not  payable  for  any  loss  due  to,  arising  or  resulting  from;     1. suicide,  attempted  suicide  or  any  intentionally  self-­‐inflicted  injury  while  sane  or  insane  (in  Missouri   and  Colorado,  sane  only);   2. the  War  and  Civil  War  Exclusion  Clause:    notwithstanding  anything  to  the  contrary  contained  herein   this  Policy  does  not  cover  loss  or  damage  directly  or  indirectly  occasioned  by,  happening  through  or   in  consequence  of  war,  invasion,  acts  of  foreign  enemies,  hostilities  (whether  war  be  declared  or  not),   civil  war,  rebellion,  revolution,  insurrection,  military  or  usurped  power  or  confiscation  or   nationalization  or  requisition  or  destruction  of  or  damage  to  property  by  or  under  the  order  of  any   government  or  public  or  local  authority;   3. riding  or  driving  in  any  motor  competition,  including  training  or  practice  for  the  same;   4. participating  in  professional  athletic  events,  including  training  and  practice  for  the  same;   5. mountaineering  where  the  ascent  or  decent  of  a  mountain  requires  the  use  of  specialty  equipment,   including  but  not  limited  to  anchors,  bolts,  carabineers,  crampons,  lead  or  toe-­‐rope  equipment  or   pick-­‐axes;       6. participating  in  skydiving,  hang  gliding,  bungee  cord  jumping,  scuba  diving  below  130  feet  or  any   type  of  scuba  diving  without  the  proper  dive  training  and  certification  or  deep  sea  diving;     7. piloting  or  learning  to  pilot  or  acting  as  a  member  of  the  crew  of  any  aircraft;     8. being  intoxicated  or  under  the  influence  of  any  controlled  substance  unless  administered  on  the   advice  of  a  Legally  Qualified  Physician;   9. any  unlawful  act,  committed  by  the  Customer,  a  Traveling  Companion  or  Business  Partner,  whether   Customer  or  not;   10. pregnancy  or  childbirth  when  You  are  expected  to  give  birth  within  2  months  from  the  date  of  a   Covered  Trip  or  an  elective  abortion;   11. dental  treatment  (except  as  coverage  is  otherwise  specifically  provided  herein);   12. amounts  which  exceed  the  Maximum  Benefit  Amount  for  each  coverage  as  shown  in  the  Schedule  of   Benefits;   13. mental,  nervous  or  psychological  disorders;   14. any  Covered  Trip  taken  outside  the  advice  of  a  Legally  Qualified  Physician;   15. care  or  treatment  which  is  not  Medically  Necessary;   16. traveling  for  the  purpose  of  securing  medical  treatment;   17. loss  or  damage  caused  by  the  detention,  confiscation  or  destruction  by  customs;   18. any  loss  that  occurs  at  a  time  when  this  coverage  is  not  in  effect;   19. failure  of  any  tour  operator,  Common  Carrier,  or  other  travel  supplier,  person  or  agency  to  provide   the  bargained-­‐for  Travel  Arrangements;   20. financial  default;   21. Pre-­‐existing  Conditions;   22. the  Electronic  Date  Recognition  Exclusion:    This  Policy  does  not  cover  any  loss,  damage,  cost,  claim  or   expense,  whether  preventative,  remedial  or  otherwise,  directly  or  indirectly  arising  out  of  or  relating   to:   a. the   calculation,   comparison,   differentiation,   sequencing   or   processing   of   data   involving   the   date  change  to  the  year  2000,  or  any  other  date  change  including  leap  year  calculations,  by   any  computer  system,  hardware,  program  or  software  and/or  microchip,  integrated  circuit   or  similar  device  in  computer  equipment,  whether  the  property  of  the  Customer  or  not;  or   b. any   change,   alteration,   or   modification   involving   the   date   change   to   the   year   2000,   or   any   other  date  change  including  leap  year  calculations,  to  any  such  computer  system,  hardware,   program  or  software  and/or  any  microchip,  integrated  circuit  or  similar  device  in  computer   equipment  or  non-­‐computer  equipment,  whether  the  property  of  the  Customer  or  not.                                    This  clause  applies  regardless  of  any  other  cause  or  event  that  contributes  concurrently  or  in  any   PAC7,  LLC.  |  12303  Highway  707  Suite  B|  Murrells  Inlet,  SC  29576                                                    Page  10  of  14                                                                                   ©  Copyright  2012  PAC7,  LLC,  All  Rights  Reserved.  Confidential              Rev.PAC709112012  

Royal  Adventure  Travel  Protection:   Description  of  Coverage      

                                 sequence  to  loss,  damage,  cost,  claim  or  expense.                             23.  the  Institute  Radioactive  Contamination,  Chemical,  Biological,  Bio-­‐Chemical  and  Electromagnetic   Weapons  Exclusion  Clause.    This  clause  shall  be  paramount  and  shall  override  anything  contained  in   this  insurance  inconsistent  therewith:     a. In  no  case  shall  this  insurance  cover  loss  damage  liability  or  expense  directly  or  indirectly   caused  by  or  contributed  to  by  or  arising  from;   b. Ionizing  radiations  from  or  contamination  by  radioactivity  from  any  nuclear  fuel  or  from  any   nuclear  waste  or  from  the  combustion  of  nuclear  fuel;   c. The  radioactive,  toxic,  explosive  or  other  hazardous  or  contaminating  properties  of  any   nuclear  installation,  reactor  or  other  nuclear  assembly  or  nuclear  component  thereof;   d. Any  weapon  or  device  employing  atomic  or  nuclear  fission  and/or  fusion  or  other  like   reaction  or  radioactive  force  or  matter;   e. The  radioactive,  toxic,  explosive  or  other  hazardous  or  contaminating  properties  of  any   radioactive  matter.    The  exclusion  in  this  sub-­‐clause  does  not  extend  to  radioactive  isotopes,   other  than  nuclear  fuel,  when  such  isotopes  are  being  prepared,  carried,  stored,  or  used  for   commercial,  agricultural,  medical,  scientific  or  other  similar  peaceful  purposes;   f. Any  chemical,  bio-­‐chemical  or  electromagnetic  weapon.     Pre-­‐existing  Conditions  Exclusion  Waiver:    The  Insurers  will  waive  the  Pre-­‐Existing  Conditions  Exclusion  if   the  following  conditions  are  met:     1. Full  payment  for  Royal  Adventure  Travel  Protection  is  received  by  an  authorized  agent  with  or   before  the  final  payment  for  your  Covered  Trip;  and   2. The  Customer  and  all  Traveling  Companions  are  medically  able  to  travel  when  Royal  Adventure   Travel  Protection  is  paid  in  full.     SECTION  V.    GENERAL  PROVISIONS     Excess  Insurance:  The  insurance  provided  by  this  policy  shall  be  in  excess  of  all  other  valid  and  collectible   insurance  or  indemnity.    If  at  the  time  of  the  occurrence  of  any  loss  there  is  other  valid  and  collectible   insurance  or  indemnity  in  place,  the  Insurers  shall  be  liable  only  for  the  excess  of  the  amount  of  loss,  over  the   amount  of  such  other  insurance  or  indemnity,  and  applicable  deductible.    Recovery  of  losses  from  other   parties  does  not  result  in  a  refund  of  premium  paid.     Subrogation:    If  the  Insurers  have  made  a  payment  for  a  loss  under  this  coverage,  and  the  person  to  or  for   whom  payment  was  made  has  a  right  to  recover  damages  from  the  third  party  responsible  for  the  loss,  the   Insurer  will  be  subrogated  to  that  right.    You  shall  help  the  Insurers  exercise  the  Insurer’s  rights  in  any   reasonable  way  that  the  Insurers  may  request:  nor  do  anything  after  the  loss  to  prejudice  the  Insurer’s  rights:   and  in  the  event  You  recover  damages  from  the  third  party  responsible  for  the  loss,  the  Customer  will  hold   the  proceeds  of  the  recover  for  the  Insurers  in  trust  and  reimburse  the  Insurers  to  the  extent  of  the  Insurer’s   previous  payment  for  the  loss.     Additional  Claims  Provisions  Specific  to  Baggage   Customer’s  duties  after  delay  of  baggage:    In  case  of  delay  of  baggage  or  personal  effects,  the  Customer  must:     A. take  all  reasonable  steps  to  protect,  save  or  recover  the  property;   B. promptly  notify  the  Common  Carrier;   C. produce  records  needed  to  verify  the  claim  and  its  amount,  and  permit  copies  to  be  made.     Service  of  Suit  Clause  (U.S.A.)   This   Service   of   Suit   Clause   will   not   be   read   to   conflict   with   or   override   the   obligations   of   the   parties   to   arbitrate   their   disputes   as   provided   for   in   any   Arbitration   provision   within   this   Policy.     This   Clause   is   intended   as   an   aid   to   compelling   arbitration   or   enforcing   such   arbitration   or   arbitral   award,   not   as   an   PAC7,  LLC.  |  12303  Highway  707  Suite  B|  Murrells  Inlet,  SC  29576                                                    Page  11  of  14                                                                                   ©  Copyright  2012  PAC7,  LLC,  All  Rights  Reserved.  Confidential              Rev.PAC709112012  

Royal  Adventure  Travel  Protection:   Description  of  Coverage      

alternative   to   such   Arbitration   provision   for   resolving   disputes   arising   out   of   this   contract   of   insurance   (or   reinsurance).     It  is  agreed  that  in  the  event  of  the  failure  of  the  Underwriters  hereon  to  pay  any  amount  claimed  to  be  due   hereunder,   the   Underwriters   hereon,   at   the   request   of   the  Customer,   will   submit   to   the   jurisdiction   of   a   Court   of   competent   jurisdiction   within   the   United   States.     Nothing   in   this   Clause   constitutes   or   should   be   understood  to  constitute  a  waiver  of  Underwriters'  rights  to  commence  an  action  in  any  Court  of  competent   jurisdiction  in  the  United  States,  to  remove  an  action  to  a  United  States  District  Court,  or  to  seek  a  transfer  of  a   case  to  another  Court  as  permitted  by  the  laws  of  the  United  States  or  of  any  State  in  the  United  States.     It  is  further  agreed  that  service  of  process  in  such  suit  may  be  made  upon     Mendes  and  Mount   601  S.  Figueroa  Street   Suite  4676   Los  Angeles,  CA  90017     and  that  in  any  suit  instituted  against  any  one  of  them  upon  this  contract,  Underwriters  will  abide  by  the  final   decision  of  such  Court  or  of  any  Appellate  Court  in  the  event  of  an  appeal.     The  above-­‐named  are  authorized  and  directed  to  accept  service  of  process  on  behalf  of  Underwriters  in  any   such  suit  and/or  upon  the  request  of  the  Customer  to  give  a  written  undertaking  to  the  Customer  that  they   will  enter  a  general  appearance  upon  Underwriters'  behalf  in  the  event  such  a  suit  shall  be  instituted.     Further,  pursuant  to  any  statute  of  any  state,  territory  or  district  of  the  United  States  which  makes  provision   therefore,  Underwriters  hereon  hereby  designate  the  Superintendent,  Commissioner  or  Director  of  Insurance   or  other  officer  specified  for  that  purpose  in  the  statute,  or  his  successor  or  successors  in  office,  as  their  true   and  lawful  attorney  upon  whom  may  be  served  any  lawful  process  in  any  action,  suit  or  proceeding  instituted   by   or   on   behalf   of   the   Customer   or   any   beneficiary   hereunder   arising   out   of   this   contract   of   insurance   (or   reinsurance),  and  hereby  designate  the  above-­‐named  as  the  person  to  whom  the  said  officer  is  authorized  to   mail  such  process  or  a  true  copy  thereof.     SECTION  VI.  CLAIMS  /  EMERGENCY  EVACUATION  PROCEDURES     CLAIMS  PROCEDURES     To  facilitate  prompt  claims  settlement:     TRIP  CANCELLATION/TRIP  INTERRUPTION:    IMMEDIATELY  Call  Your  Travel  Supplier  and  Travel  Insured   International  to  report  Your  cancellation  and  avoid  non-­‐Covered  Expenses  due  to  late  reporting.    Travel   Insured  International  will  then  advise  You  on  how  to  obtain  the  appropriate  form  to  be  completed  by  You  and   the  attending  Legally  Qualified  Physician.    If  You  are  prevented  from  taking  Your  Covered  Trip  due  to   Sickness  or  Injury,  You  should  obtain  medical  care  immediately.    We  require  a  certification  by  the  treating   Legally  Qualified  Physician  at  the  time  of  Sickness  or  Injury  that  medically  imposed  restrictions  prevented   Your  participation  in  the  Covered  Trip.    Provide  all  unused  transportation  tickets,  official  receipts,  etc.     TRIP  DELAY:  Obtain  any  specific  dated  documentation,  which  provides  proof  of  the  reason  for  delay  (airline   or  Cruise  line  forms,  medical  statements,  etc.)   Submit  this  documentation  along  with  Your  Covered  Trip  itinerary  and  all  receipts  from  additional  expenses   incurred.    

PAC7,  LLC.  |  12303  Highway  707  Suite  B|  Murrells  Inlet,  SC  29576                                                    Page  12  of  14                                                                                   ©  Copyright  2012  PAC7,  LLC,  All  Rights  Reserved.  Confidential              Rev.PAC709112012  

Royal  Adventure  Travel  Protection:   Description  of  Coverage      

MEDICAL  EXPENSES:  Obtain  receipts  from  the  providers  of  service,  etc.,  stating  the  amount  paid  and  listing   the  diagnosis  and  treatment;  submit  these  first  to  other  medical  plans.    Provide  a  copy  of  their  final   disposition  of  Your  claim.     BAGGAGE  DELAY:  Obtain  a  statement  from  the  Common  Carrier  that  Your  Baggage  was  delayed  along  with   copies  of  receipts  for  Your  purchases.     Claims  Administered  by:    

   

 

Quality  Protection  Worldwide     For  questions  or  to  report  a  claim,  contact:     Travel  Insured  International,  Inc.   P.O.  Box  280568   East  Hartford,  CT    06128-­‐0568   Customer  Care  &  Claims    

1  (888)  933-­‐1113     EMERGENCY  ASSISTANCE  PROCEDURES     For  plan  inquires  or  information  on  filing  a  claim  please  contact  the  plan  administrator:     Worldwide  Emergency  Assistance:    24-­‐hour  emergency  telephone  assistance  services  are  available  for   Your  benefit  so  that,  in  the  event  of  an  emergency  while  on  the  Covered  Trip,  English  speaking  help  and   advice  may  be  furnished  to  You.     Part  I-­‐Traveler’s  Assistance:    On  Call  International’s  multilingual  staff  can  assist  You  in  solving  a  variety  of   unexpected  complications  during  the  Covered  Trip  such  as  lost  tickets  or  belongings.    If  necessary,  On  Call   International  may  also  help  locate  legal  counsel.    Pre-­‐Trip  information  such  as  cultural,  visa  requirements  and   exchange  rates  can  also  be  provided.     Part  II-­‐Medical  Assistance:    If  a  medical  emergency  arises  during  Your  covered  trip,  On  Call  International   may  help  You  find  local  medical  care.    Physicians  and  hospitals  worldwide  can  contact  On  Call  International  to   confirm  coverage  and,  if  required,  help  You  arrange  immediate  settlement  of  medical  expenses  resulting  from   an  Injury  during  the  Covered  Trip.    On  Call  International  will  coordinate  emergency  medical  situations,  with   Your  home  physician  and  arrange  Emergency  Evacuation  services.     Part  III-­‐Emergency  Cash  Transfer:    On  Call  International  can  help  arrange  a  fund  transfer  through  Your   credit  cards,  family,  friends,  employer  or  similar  source  if  You  need  cash  during  the  Covered  Trip.                   PAC7,  LLC.  |  12303  Highway  707  Suite  B|  Murrells  Inlet,  SC  29576                                                    Page  13  of  14                                                                                   ©  Copyright  2012  PAC7,  LLC,  All  Rights  Reserved.  Confidential              Rev.PAC709112012  

Emergency  Assistance  Administered  By:    

 

Royal  Adventure  Travel  Protection:   Description  of  Coverage      

 

On  Call  International     To  access  Emergency  Assistance,  contact:       On  Call  International   Operation  Center    

1  (888)  933-­‐1115    

  Royal  Adventure  Travel  Protection  is  underwritten  by  Jubilee,  Syndicate  5820  at  Lloyd’s.     50  Fenchurch  Street  ,  London,  EC3M  3JY,  United  Kingdom          

PAC7,  LLC.  |  12303  Highway  707  Suite  B|  Murrells  Inlet,  SC  29576                                                    Page  14  of  14                                                                                   ©  Copyright  2012  PAC7,  LLC,  All  Rights  Reserved.  Confidential              Rev.PAC709112012  

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grape, among 100 other types and also the sweet Hami melon along with other fruit. Within the summer time the trellised walks of Grape Valley are covered with ...

ECOLAB. Biome Adventure Travel. Copyright © by Holt, Rinehart and W inston. All rights reserved. 1 of 3. Name. Date. Class. Objective. Learn about a particular ...