INSURANCE COVERAGE - FILE A CLAIM

You should telephone Travel Guard® as soon as possible after receiving treatment to initiate the claim process. See Contact your Insurance Representative for telephone numbers. When calling, you should have the following information available:

• Insurance Product Number (listed on the back of your iNext Travel Card)
• What coverage type or benefit category the claim is under (e.g. Medical Expense, Baggage or Personal Effects, Travel Document Replacement, etc.)
• The date the covered treatment or loss occurred
• The amount that you paid (if applicable)

During the phone call, a claim form will be completed by the Travel Guard® representative based on your responses. The completed form will be mailed or faxed to you or to a recipient in the U.S. designated by you (e.g. parent or family member). Upon receipt or upon return to the U.S., review the claim form for accuracy, sign the form, and return it to Travel Guard® along with any requested supporting documentation, such as original receipts, primary insurance information, proof of travel (e.g. a copy of your flight itinerary), etc.

In order to avoid lengthy bank processing times and finance charges associated with cashing an international check, it may be advantageous for you to request that Travel Guard® send the reimbursement check to a recipient in the U.S. (e.g. parent or family member).

TELEPHONE PROTOCOL

When calling from abroad, place a collect call (reverse charge) to Travel Guard® at the number indicated on the back of your iNext Travel Card. If, for whatever reason, a collect call is not possible and you must dial Travel Guard® directly, you should ask the answering Travel Guard® representative to call you back, hang up, and then wait for the call.