Travel Accident Insurance
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Please note: This benefit is available on all Visa Signature cards. It may also be available on other card products. Check with your issuer to see if you have this benefit.
Travel with confidence
Visa Signature cardholders and their family members can receive travel accident insurance coverage. Just use your covered Visa card to pay for travel tickets.
(Select other cardholders may also be eligible for this benefit. Check with your issuer to see if you qualify.)
Benefit at a glance
* Common Carrier Accidental Death and Dismemberment coverage when traveling.
* Cardholders will also be covered while traveling to and from the terminal by taxi, bus, train, airport limousine, or other common carrier (excluding air), if tickets are purchased prior to leaving for the terminal.
* Minimum of $250,000 in coverage for Visa Signature cardholders.
Benefit details
How do I benefit from Travel Accident Insurance?
The Visa Travel Accident Insurance program provides Visa-covered cardholders and their eligible family members with automatic Common Carrier Accidental Death and Dismemberment coverage, every time they use their covered Visa card to purchase travel tickets. If tickets are purchased prior to leaving for the terminal, cardholders will also be covered while traveling to and from the terminal by taxi, bus, train, airport limousine, or other common carrier (excluding air).
Visa Signature cardholders receive a minimum of $250,000 in coverage.
*Certain restrictions, limitations, and exclusions apply, and benefit configuration may vary. Contact your Issuer for full program terms and conditions, and to confirm specific coverage levels.
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* Once-in-a-lifetime opportunities and preferred seating
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Cards that include this benefit:
Visa Personal
* Visa Signature
Understanding Travel Insurance click here for our complete guide
Travel Protection vs Travel Medical
Travel Insurance Protection plans typically reimburse your non-reimbursed travel expenses if an emergency occurs causing your trip to be canceled, interrupted or delayed. Travel Medical insurance is medical insurance designed to reimburse you for medical expenses incurred while traveling. Insurance is confusing. That's where we come in. Learn more in our complete guide. Why do I need travel insurance?
You can begin your trip without any travel insurance and be self insured. But did you know that if you become ill abroad the costs to treat you could be very high. How would you find a doctor? Where would you find appropriate healthcare facility? Where would you seek advice? Did you know that HMO's, PPO's and Medicare typically do not cover you abroad?
The sphynx knows the ancient secrets of travel insurance. Do you? What's a Deductible?
(Also known as excess in UK, NZ, AU) This is the amount that the insured must pay before the travel insurance provider starts paying. This may be an annual amount, an amount for the duration of the policy, or an amount for each incident. Where can I learn more about travel insurance?
We've created a number of useful reference and learning guides in our helpdesk section. If you still have questions about travel insurance, please feel free to contact us.
What is Co-Insurance or Co-pay?
This is the percentage or amount of expenses that the insured pays (if any) after the deductible is paid. Example: "Co-Insurance = 20% or co-pay is 80/20" means that the travel insurance company pays 80% of the charges, the insured pays 20% What if my travel supplier declares Bankruptcy?
Many travel insurance protection plans cover lost travel expenses due to travel supplier bankruptcy, but there are substantial differences among plans. Some travel insurance plans only cover a specified list of travel suppliers, others require that you purchase the insurance within 7-14 days of paying the initial trip deposit. Be sure to check plan details Customer Testimonials
Safety & Loss Prevention
Insuring Agreement
Blanket Accident Insurance Program
Chubb Group of Insurance Companies
15 Mountain View Road, P.O. Box 1615
Warren, New Jersey 07061-1615
Policyholder's Name and Mailing Address
State of Wisconsin/University of Wisconsin
101 E. Wilson, 8th Floor
Madison, WI 53707
Policy Number: 6409-69-79
Effective Date: September 15, 1998
Issued by the stock insurance company indicated below.
Federal Insurance Company
Incorporated under the laws of
Indiana
Producer Number: 0039202
Producer: Aon Risk Services, Inc. of Wisconsin
330 E. Kilbourn Ave. #450
Milwaukee, WI 53202-0000
Company and Policy Period
Insurance is issued by the Company in consideration of payment of the required premium.
This policy begins and ends at 12:01 A.M. Standard Time at the Policyholder's address on the dates shown below:
From: September 15, 1998
To: September 15, 2005
The Policyholder's acceptance of this policy terminates any prior policy of the same number issued to the Policyholder by the Company, effective with the inception of this policy.
This Insuring Agreement, together with the Premium Summary, Schedule of Forms, Declarations, Contract, Hazards, Common Policy Conditions and Endorsements comprise this policy. If this policy is a renewal, we have only reissued to you those policy documents containing changes from your previous policy period coverages and any new additional coverages or policy provisions. All other policy documents continue in effect.
The Company issuing this policy has caused this policy to be signed by its authorized officers, but this policy shall not be valid unless also signed by a duly authorized representative of the Company.
FEDERAL INSURANCE COMPANY(Incorporated under the laws of Indiana)
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BUS-74, Business Travel Accident Insurance
July 1, 1992
I. REFERENCE
Business and Finance Bulletin G-28, "Policy and Regulations Governing
Travel."
II. INTRODUCTION
A. Purpose
This Bulletin outlines the University's Business Travel Accident
Insurance Program for eligible individuals traveling on University
business. The program provides accidental death and dismemberment
insurance coverage for eligible individuals traveling on
official University business. There is also coverage provided for
specified eligible individuals while engaged in certain hazardous
activities.
B. Eligibility for Insurance Coverage
For the specific purpose of the Business Travel Accident Insurance
Program, the following individuals are eligible for coverage:
1. Regents and Regents Designate of the University of California
(except as referred to under Section V.B., below).
2. All employees of the University.
3. Interns, residents, and fellows associated with the University
in connection with emergency medical programs.
4. Professors emeriti traveling on official University business.
5. Faculty on approved sabbatical leave when required to travel as
part of their program of research or study.
Employees at the Los Alamos National Scientific Laboratory are
insured under a separate program administered by the Los Alamos
Laboratory.
III. COVERAGE
An eligible individual will be covered 24 hours a day, worldwide,
against accidental death and dismemberment for up to $100,000
(called the Principal Sum) while traveling on official University
business or while engaged in designated hazardous activities on
behalf of the University (the Principal Sum for Executive Program
members is $250,000).
A. Business Trips
For coverage purposes, an official University business trip
begins when the eligible individual leaves his/her residence or
work site, whichever occurs last, for the purpose of conducting
business away from the work site and ends when he/she returns
to his/her residence or work site, whichever occurs first. If
a business trip exceeds 60 days in length, the eligible
individual will be considered to be located at an alternate
residence and work site and must be on a trip away from the
alternate sites for coverage to apply.
Business trips on behalf of the University will include
personal deviations which occur during and which interrupt the
continuity of an otherwise authorized business trip, but
do not include any loss which occurs during a vacation period
or leave of absence.
Procedures and conditions of travel must be in accordance with
Business and Finance Bulletin G-28 which describes the
University policy and regulations regarding travel.
B. Designated Hazardous Activities
1. Hazardous activities undertaken at the direction of the
University covered by this program are:
a. Transportation of emergency medical patients or donor
organs.
b. Structural inspection.
c. Scuba diving.
d. Seismology and wave studies.
e. Hazardous spills cleanup.
f. Authorized activities of U.C. Police Bomb Unit.
These activities are covered on and off University premises.
2. Coverage while an eligible individual is in command of a
general aviation aircraft will be provided only if the
eligible individual is approved for such travel and in full
compliance with University regulations in accordance with
Business and Finance Bulletin G-28, "Policy and Regulations
Governing Travel."
3. Coverage is provided for war risk hazards outside the United
States in areas designated by the respective insurance
carrier as war risk areas. This provision covers claims
caused or contributed to by war (whether direct or indirect),
hostilities or war-like operations (whether or not war was
declared), invasion, act of foreign enemy, civil war,
rebellion, revolution, insurrection, or military or usurped
power.
4. Coverage is provided for terrorist acts committed in the
Unites States regardless of whether they are also considered
to be acts of war.
5. In compliance with Libyan Sanction Regulations, 31 C.F.R.
Part 550, insurance is not provided in Libya, as this would
violate Section 550.202 of those regulations.
IV. EXCLUSIONS
The business travel policy does not cover any loss, fatal or
non-fatal, caused by or resulting from the following:
A. Suicide, attempted suicide, attempted self-destruction, or
self-destruction while sane or insane.
B. Disease of any kind.
C. Bacterial infections except certain infections which occur
through an accidental cut or wound.
D. Declared or undeclared war or any act thereof in the United
States or outside the scope of the purchased war risk coverage.
E. Service in the military, naval, or air service of any country.
F. Riding as a passenger or otherwise in any vehicle or device for
aerial navigation except:
1. Any civilian aircraft having a current and valid
airworthiness certificate and piloted by an individual who
holds a valid and current certificate of competency or a
rating authorizing that individual to pilot such aircraft.
2. Any transport type aircraft operated by the United States
Armed Forces or similar service of any recognized country.
3. Those aircraft owned or leased by the University which have
been specifically included for coverage.
V. BENEFITS
A. Accidental Death and Dismemberment Indemnity
If injury results in any one of the specific losses shown in the
table below, the insurer will pay, with respect to each insured, the
applicable benefit based on the Principal Sum, provided that not more
than one (the largest) of such benefits will be paid with respect to
injuries resulting from one accident and no benefits will be paid
under more than one of the policy hazards descriptions as a result of
one accident.
TABLE OF LOSSES
Description of Loss Amount Payable
Life The Principal Sum
Two or more members The Principal Sum
Speech and hearing The Principal Sum
One member One half the Principal Sum
Four fingers of the same hand One half the Principal Sum
Four toes of the same foot One half the Principal Sum
Speech or hearing One half the Principal Sum
Thumb and index finger of the same hand One quarter the Principal Sum
"Member" means hand, foot, or eye. "Loss" means, with regard to hand
or foot, actual severance through or above the wrist or ankle joints;
with regard to eye, entire and irrecoverable loss of sight; with
regard to thumb and index finger, actual severance through or above
metacarpophalangeal joints; with regard to speech, entire and
irrecoverable loss of speech; with regard to hearing, entire and
irrecoverable loss of hearing in both ears. "Loss of four fingers of
the same hand" means loss by actual severance through or above the
metacarpophalangeal joints. "Loss of four toes of the
same foot" means loss by actual severance through or above the
metatarsophalangeal joints.
The total amount payable for one accident regardless of the number of
eligible individuals involved is $4,000,000.
B. Permanent Total Disability Benefit
This benefit is available for all individuals eligible for coverage
excluding individual Regents and Regents Designate. The major points
are:
1. Permanent Total Disability is defined as the permanent inability
to engage in each and every occupation for compensation or profit
for which the individual is reasonably qualified by reason of
education, training, or experience.
2. The period of Permanent Total Disability must result from an
injury sustained while on covered University travel or while
engaging in covered extra-hazardous activities.
3. The Permanent Total Disability period must begin within 120 days
of the covered injury.
4. The Permanent Total Disability must continue for a period of
twelve consecutive months before benefits are payable.
5. The benefit level payable is 1 percent of the Principal Sum per
month less any amounts payable under the dismemberment provisions
of the policy.
6. The benefit period is 100 months.
7. If the disabled individual should die during the time disability
benefits are being paid, the designated beneficiary will continue
to receive benefits until the total Principal Sum has been paid.
The cause of death can be other than the original injury.
VI. BENEFICIARY DESIGNATIONS
Under the terms of the insurance policy, benefits payable for loss
of life will be paid automatically to the individual or individuals
(in equal shares) in the order of the following categories of
survivors:
A. Insured's spouse.
B. The insured's child or children (including adopted children).
C. The insured's parents.
D. The insured's brothers and sisters.
E. If none of the above is living, then the insured's estate.
Only those eligible individuals wishing to designate a beneficiary
or beneficiaries different from the order given above should
complete a "Beneficiary Designation" form (see attachment).
Eligible individuals completing a form should be advised that it
remains in effect until it is either changed or revoked. The
beneficiary designation does not automatically end with the return
from a business trip.
The completed "Beneficiary Designation" form should be forwarded to
the Payroll Department for placement in the eligible individual's
file.
VII. SUBMISSION OF CLAIMS
The Office of Risk Management, Office of the President, should be
notified as quickly as possible in the event of a claim under this
program. A claim form will be issued at the time of notification of
loss. However, in order to expedite processing, pertinent data,
including the name(s), department, nature of injury, date of death,
place of accident, and nature of the accident, will be taken by
telephone.
