SafeMex ? Worldwide Travel Insurance & Assistance

GENERAL TERMS AND CONDITIONS

TRAVELERS CONTRACT

Important Note: The following terms and conditions apply in accordance to the plan purchased, the main difference being the fact that payment by Safemex for most services may be included (Plans Bronze, Silver and Gold, in Mexico, Central America and the Caribeann) or are provided by reference (Plan Basic, and other parts of the world not mentioned above)

This diference is clearly indicated only on those sections when it applies, saying either (when Included) or (by reference). Otherwise, services are included..

"Traveler" is the person who purchases a service contract from SafeMex or the person registered by any given purchaser as "Traveler", in order to obtain travel assistance in Mexico for him or herself and/or the registered members of family or group, in accordance to the following terms and conditions:

PLANS.

Safemex offers one type of plan: INDIVIDUAL PLAN, The services cover the registered Traveler only.

SERVICES INCLUDED:

1. MEDICAL ASSISTANCE

The emergency medical assistance is provided on site by SafeMex's medical team, in cases of accidents or unexpected illness.

It Includes:

a). - Medical transportation, if required, which could be by land or air ambulance, according to the judgment of the professionals attending the case;

b). - Reimbursement of up to $100,000 Pesos through SafeMex medical insurance (Approximately $10,000 Dollars) for medical expenses in case of an accident

c). -Tourist class round trip airplane ticket for an accompanying family member, if there is a need for the traveler to be hospitalized for more than 7 days and there are no family members with the traveler at the time.

d). - In case of death of the traveler, the repatriation of remains.

e). - For non emergency situations medical references are given 24 hours a day.

1. 24 Hrs. Medical Assistance

Safemex has available for its traveler a 24 Hr. a day, seven days a week, year round, a call center for travelers to call in case of any medical related need, from a simple medical consultation, to requesting an ambulance in case of an accident, or illness, references for medical doctors, hospitals, pharmacies, etc.

2A. Medical Transporation by Land (when included)

If the Traveler suffers an illness or accident that causes injuries of such nature that requires hospitalization, SafeMex will coordinate the Traveler's transfer to the nearest hospital that is appropriate for the required treatment by ground ambulance, and cover the cost of this transportation up to the equivalent of $200.00 dollars.

2B. Medical Transportation by Land(by reference)

If the Traveler suffers an illness or accident that causes injuries of such nature that requires hospitalization, SafeMex will coordinate the Traveler's transfer to the nearest hospital that is appropriate for the required treatment by referencing the nearest emergency ground ambulance service.

2C. Medical Transportation by Land(by reference)

If the Traveler wishes to be transported using a land ambulance in the following cases:

a. There is a medical situation that does require emergency type of response, but wants to go to a medical facility different than the one selected by SafeMex’s medical team,

b. There is a medical situation that does not require emergency type of response, but wants to go to a medical facility different than the one selected by SafeMex’s medical team,

c. There is a medical situation that does not require emergency type of response, but wants to go to visit a medical doctor,

d. There is a medical situation that does not require emergency medical response, but wants to go anywhere he wishes to go,

SafeMex will coordinate the Traveler's transfer by referencing the nearest emergency ground ambulance service.

3A. Medical Emergency Transportation by Air (when included)

If the Traveler suffers an accident or an illness that requires, in the opinion of the SafeMex' medical team, immediate transfer by air-ambulance to the nearest hospital in which the services and required medical attention can be obtained.SafeMex will coordinate and provide the traveler’s transfer using such transportation under medical supervision.

3B. Medical Emergency Transportation by Air (by reference)

If the Traveler suffers an accident or an illness that requires, in the opinion of the SafeMex' medical team, immediate transfer by air-ambulance to the nearest hospital in which the services and required medical attention can be obtained, SafeMex will coordinate the traveler’s transfer using such transportation under medical supervision, by referencing the nearest and most appropriate air ambulance service.

4A. Medical Emergency Evacuation by Air (when included)

If the Traveler need to be transported by air to a Hospital in the USA because the SafeMex’s medical team in charge of the case at the time determines that the treatment required is not available in Mexico, and the traveler is confronting an emergency that is judged to be life threatening, SafeMex will coordinate and provide for such service to be delivered by transporting the traveler to the nearest designated hospital in the cities of San Diego, California, Houston, Texas, or Miami, Florida, which ever is nearer to the location of the traveler in such a need.

4B. Medical Emergency Evacuation by Air (by reference)

If the Traveler wishes to be transported by air to another city or country of his/her choice, even when, according to SafeMex' medical team, there is no medical need to do so, the Traveler will assume those expenses but will receive at all times SafeMex’s assistance to facilitate the corresponding logistics and transportation.

5A. Transportation or Repatriation in Case of Death of the Traveler (when included)

In the event of the Traveler's death, SafeMex will carry out all the necessary steps and will cover the repatriation or transfer of the body or the cremation and delivery of ashes to the place of the permanent residence of the Traveler in the USA or Canada .

5B. Transportation or Repatriation in Case of Death of the Traveler (by reference)

In the event of the Traveler's death, SafeMex will carry out all the necessary steps for the repatriation or transfer of the body or the cremation and delivery of ashes to the place of the permanent residence of the Traveler to anywhere in the world by referencing the most appropriate repatriation service.

6A. Round trip Ticket and Lodging Expenses for Relative (when included)

If the Traveler is hospitalized as a consequence of an accident or illness, for an expected period of more than 7 days and there are no family members with the traveler at the time, SafeMex will cover the cost of a round-trip airplane ticket (economy class from the city of the permanent residence of the Traveler in the USA or Canada) for a family member person designated by the Traveler, in order to be by his/her side.

SafeMex will also cover the expenses of the designated person's lodging for a maximum of $ 700.00 pesos per day, for a maximum period of 5 days.

6B. Round Trip ticket and Lodging expenses for relative (by reference)

If the Traveler is hospitalized as a consequence of an accident or illness, for an expected period of more than 7 days and there are no family members with the traveler at the time, SafeMex will coordinate and make arrangements at the traveler’s expense to buy a round-trip airplane ticket (economy class from the city of the permanent residence of the Traveler) for a family member person designated by the Traveler, in order to be by his/her side.

SafeMex will cover the expenses of the designated person's lodging for a maximum of $700.00 pesos per day, for a maximum period of 5 days.

7A. Death of the Traveler

In the event of the traveler's death, SafeMex will offer the same benefit as in the previous paragraph for a person to claim the body and help carry out the corresponding legal procedure

2. LEGAL ASSISTANCE

1. 24 Hrs. Legal Assistance

SafeMex has available for its traveler a 24 r. a day, seven days a week, year round, a call center for travelers to call in case of any legal related need, from a simple medical consultation, to requesting a lawyer in case of an accident, or any other situation that might require of any legal action or counsel, references for lawyers, authorities, etc.

In any case when purchasing these assistance services from SafeMex, the traveler accepts that he has been informed and has accepted what it is established in the above paragraph and that SafeMex will have no liability and responsibility of any kind for any action that the traveler may take or suffer, unless it is specifically carried out by a SafeMex appointed Lawyer.

2A. Legal Assistance in Case of Assault or Robbery(when included)

In case of assault or robbery, SafeMex will assist and advise the traveler in the formulation and presentation of all necessary accusations before the corresponding authorities.

2B. Legal Assistance in Case of Assault or Robbery In case of assault or robbery (by reference)

SafeMex will assist and advise at the traveler’s expense, the formulation and presentation of all necessary accusations before the corresponding authorities.

3A. Legal Assistance for Property Loss or Damage Crimes and/or Personal Injury (when included)

If the Traveler is detained or arrested as result of a property loss or damage or a personal injury, SafeMex will post bail, according to law, and negotiate the Traveler's liberty (release) before the Administrative and/or Judicial authorities. The Traveler will be responsible for all fines, bonds and guarantee payments.

3B. Legal Assistance for Property Loss or Damage Crimes and/or Personal Injury (by reference)

If the Traveler is detained or arrested as result of a property loss or damage or a personal injury, at Traveler’s expense, SafeMex will post bail, according to law, and negotiate the Traveler's liberty (release) before the Administrative and/or Judicial authorities. The Traveler will be responsible for all fines, bonds and guarantee payments.

4A. Legal Assistance in Case of the Traveler’s Death (when included)

In case of the Traveler's death, SafeMex will carry out all the formalities, delivery of the body to relatives and follow-up the case to its procedural conclusion.

4B. Legal Assistance in Case of the Traveler’s Death (by reference)

In case of the Traveler's death, at the expense of the corresponding relatives, SafeMex will carry out all the formalities, delivery of the body to relatives and follow-up the case to its procedural conclusion.

5A. Legal Assistance and Legal Defense in Case of Automobile Accidents (when included)

SafeMex will offer, advice and defense to the Traveler in case of an automobile accident that results in his/her legal responsibility for injuries, death or damages to other people's property or to the public road system and/ or property.

SafeMex guarantees the presence of at least one of its attorneys to defend and advice the Traveler in any judicial process for legal responsibility as a consequence of an automobile accident and until a definitive sentence is decreed.

SafeMex will pay the expenses of a lawyer for the legal defense of the vehicle's driver, provided that the Traveler was driving and has a valid driver's license. (See exclusions in the final chapter of this document).

In the event of total robbery or impound of the Traveler's vehicle due to a traffic accident or incident, SafeMex, together with the Traveler, will carry out all the necessary steps before the authorities for the recovery of the vehicle.

When, as a consequence of an accident involving the Traveler's vehicle, the authorities require a bond or guarantee to grant the Traveler's release, SafeMex, at the Traveler’s expense, will deposit this either in cash or acceptable bond.

SafeMex, will assist in providing to the corresponding authorities with any guarantee for the repair or indemnification of damages.

All guarantees are at Traveler`s expense, and will have to be paid in advance, prior to carrying out the corresponding legal procedure.

The expenses for repairing the damages will be on the Traveler's account, since his/her automobile should carry adequate insurance with a coverage that includes this liability.

SafeMex will provide all necessary assistance to the Traveler (even contacting the insurance liaison), but will not assume any responsibility undertaken by the insurance company, or the Traveler, in case of inadequate insurance.

5B. Legal Assistance and Legal Defense in Case of Automobile Accidents (by reference)

SafeMex, at Traveler`s expense, guarantees the presence of at least one of its attorneys to defend and advice the Traveler in any judicial process for legal responsibility as a consequence of an automobile accident and until a definitive sentence is decreed.

When, as a consequence of an accident involving the Traveler's vehicle, the authorities require a bond or guarantee to grant the Traveler's release, SafeMex, at the Traveler`s expense, will deposit this, either in cash or acceptable bond.

SafeMex, will assist in providing to the corresponding authorities with any guarantee for the repair or indemnification of damages.

All guarantees are at Traveler`s expense, and will have to be paid in advance, prior to carrying out the corresponding legal procedure.

The expenses for repairing the damages will be on the Traveler's account, since his/her automobile should carry adequate insurance with a coverage that includes this liability.

6A. Legal Assistance in Case of Accidents (when included)

If the Traveler is involved in an accident that causes personal injury, SafeMex will formulate, together with the Traveler or his/her legal representative, all necessary accusations before the authorities. SafeMex will pursue a prompt resolution of the case.

In all instances, it will be necessary for the Traveler to formally appoint as his/her attorney the one designated by SafeMex.

6B. Legal Assistance in Case of Accidents (by reference)

In all instances, it will be necessary for the Traveler to formally appoint as his/her attorney the one designated by SafeMex.

All costs involved will be at Traveler`s expense.

3. ROADSIDE ASSISTANCE

1. 24 Hrs. Road Assistance

Safemex has available for its traveler a 24 Hr. a day, seven days a week, year round, a call center for travelers to call in case of any road assistance related need, from a simple consultation, references of any kind while on the road, to requesting an assistance service for the vehicle being driven or any other need the Traveler might need.

2A. Dispatch of Towing Services (when included)

In case that the vehicle of the Traveler suffers a breakdown, or mechanical failure, SafeMex will send and cover the cost of towing services, up to $ 100.00 dls. (crane or platform) to the nearest workshop within the city or state in which the event has taken place.

SafeMex will not cover towing expenses in case of an accident or incident that involves the vehicle being driven by the traveler, since this cases (and related costs) are covered by the corresponding insurance that the vehicle must have. However, if the traveler requests such a service, even in the case of an accident or incident, SafeMex will coordinate and send the appropriate towing service at the Traveler`s expense.

2B. Dispatch of Towing Services (by reference)

In case that the vehicle of the Traveler suffers a breakdown, or mechanical failure, SafeMex will send at the Traveler`s expense the required towing services, (crane or platform) to the nearest workshop within the city or state in which the event has taken place. SafeMex will not cover towing expenses in case of an accident or incident that involves the vehicle being driven by the traveler, since this cases (and related costs) are covered by the corresponding insurance that the vehicle must have. However, if the traveler requests such a service, even in the case of an accident or incident, SafeMex will coordinate and send the appropriate towing service at the Traveler`s expense.

3A. Dispatching of Basic Assistance on the Road (when included)

In the event of a flat tire, lack of gasoline, or dead battery, SafeMex will arrange for the corresponding repair to be done. All costs related to the repair itself and/or replacements parts, are at Traveler`s expense. SafeMex will cover the cost of 2.5 gallons of gas.

3B. Dispatching of Basic Assistance on the Road (by reference)

In the event of a flat tire, lack of gasoline, or dead battery, SafeMex will arrange for the corresponding repair to be done. All costs related to the assistance as such and the repair itself and/or replacements parts, are at Traveler`s expense. SafeMex will cover the cost of 2.5 gallons of gas.

4A. Special Travel Assistance Services (when included)

If the automobile's repair requires more than 36 hours, SafeMex will:

a. Pay for the cost of lodging for the traveler uo to $ 60.00dls., for one night.

b. For the continuation of the trip, SafeMex will pay for a bus ticket or any other mean of transportation that the Traveler might choose up to $ 60.00 dls.

5A. Chauffer

In the case that the Traveler`s vehicle suffered a mechanical breakdown and the Traveler elected for the continuation of the trip, leaving behind the vehicle to be repaired at a shop in a city or town different than the one of his final destination or the one where the Traveler might be, SafeMex can provide for a chauffer to drive the vehicle to the location where the Traveler is located, or to the place of origin.

This service is provided at Traveler`s expense.

6A. Advancement of Funds

In the event of robbery, SafeMex will provide the traveler with up to $10,000 pesos in cash. The traveler will sign a receipt or voucher to repay the loan to SafeMex in advance.

7A.Tourist Information

At the Traveler's request, SafeMex will provide basic information related to: museums, weather reports and places of interest, besides many other types of information the Traveler might need.

SafeMex will refer the Traveler to an appropriate travel agency for further information, without assuming any responsibility for the services derived from such consultation.

8A.Transmission of Urgent Messages

In the event of an emergency SafeMex will transmit messages on behalf of the traveler to his/her family or representative, without limit in the number of messages to and from anywhere in the world.

4. MEDICAL INSURANCE

1A. Payment or reimbursement of up to $10,000.00 dlls. through SafeMex medical insurance. (Only for Silver Plan)

If the Traveler suffers an accident that requires urgent medical attention, SafeMex will reimburse up to $10,000.00 dls. of medical expenses after having received all the requested documentation.

In order to receive a refund, the Traveler will need to inform SafeMex of any emergency and/or medical expense within the following 24 hours period after the disbursement took place.

1.B. Payment or reimbursement of up to $7,500.00 dlls. through SafeMex medical insurance. (Only for Gold Plan)

If the Traveler suffers an accident or sickness that requires urgent medical attention, SafeMex will reimburse up to $7,500.00 dls. of medical expenses after having received all the requested documentation.

In order to receive a refund, the Traveler will need to inform SafeMex of any emergency and/or medical expense within the following 24 hours period after the disbursement took place.

5. OBLIGATIONS OF THE TRAVELER

In case of a situation that requires assistance and before initiating any action, the Traveler must call the Center for Traveler Telephone Attention of SafeMex 01-800-01-911-00, and provide the following information:

a. Indicate the location and telephone number where SafeMex may contact the Traveler or his/her representative.

b. Provide Traveler's name and SafeMex contract number.

c. Describe the problem or situation and assistance required.

d. Accept the representation of the Lawyer designated by SafeMex, in case of any legal assistance.

e. Provide the vital information and cooperate with the follow- up of the matter, appearing before the respective authorities and granting a Power of Attorney.

f. Refrain from incurring in any expense without having SafeMex consent.

g. Notify SafeMex and the authorities in a timely manner regarding change of address notifications, claims, and requirements concerning the offense involved.

h. Appear before the corresponding authorities as many times as required.

i. The Traveler and/or the beneficiaries and/or the relatives and/or the representative, must refund in advance to SafeMex, the amount of all bails and any other guarantees deposited in the name of the Traveler.

6. IMPOSSIBILITY TO NOTIFY SAFEMEX.

In case of an emergency or a life-threatening situation, the traveler may request a different provider in which case SafeMex may reimburse the Traveler for the incurred expenses, exclusively in cases involving the use of an emergency ambulance. In no other case will there be a reimbursement.

In case of a life endangering situation, the Traveler, the representative or the relatives must act promptly to organize the transportation of the injured or patient to the closest hospital from the place where the accident or illness occurred, using the most appropriate means and notify SafeMex as soon as possible.

The Traveler must contact SafeMex within twenty-four hours following the occurrence.

VERY IMPORTANT: If SafeMex is not notified in due time, in all cases the Traveler will be considered responsible of the costs and expenses.

7. MEDICAL TRANSPORTATION OR REPATRIATION.

In the case of medical transportation or repatriation, in order for SafeMex to provide the best possible service, the Traveler or their representative, must make available:

§ the name,

§ address and telephone number of the hospital or medical center where the Traveler or his/her relative is normally being cared for

§ the name, address and telephone number of the doctor responsible for the patient and, if necessary,

§ the information of the attending physician that habitually takes care of the patient.

The Medical Team of SafeMex or its representatives must have free access to the medical records requested from the patient to evaluate his/her condition.

If access is denied, the Traveler will lose the right to receive the services of SafeMex.

In each individual case, the medical team of SafeMex will decide the most appropriate scheduling for the transportation and/or repatriation and will determine the dates and the most appropriate means for the transportation and/or repatriation.

8. GENERAL RULES

The traveler, his representative or family member must help or cooperate with the service provider in order to avoid a more serious emergency situation.

The traveler, his representative or family member must cooperate with the service provider at all times.

Any claim for reimbursement must be filed within 30 days after disbursement.

Any claims filed after this 30 day period will not be eligible for reimbursement.

9. EXCLUSIONS

1. The situations in which assistance is required during trips or vacations made by the Traveler or relatives against the recommendation of the attending physician or during trips made after the contracted period.

2. Other than within the terms described in this document (section 6), the Traveler or relatives will not have right to reimbursement from SafeMex.

3. Any kind of medical, pharmaceutical or hospital expense below $ 200.00 dlls.

4. The following vehicles are excluded from the benefit of these services:

• vehicles of 3.5 tons of capacity or more,

• public transportation vehicles,

• taxis,

• minibuses, and

• rented vehicles,

5. Motor Homes and Recreational Vehicles may receive the rest of the services except for towing, which will be provided at Traveler`s expense.

6. When the vehicle has been introduced illegally to a country.

7. When assistance is required due to an event produced by the intentional action of the Traveler or the accompanying individuals

8. When the Traveler, the representative or the relatives, do not provide truthful and timely information, and, as a consequence, SafeMex is precluded from taking care of the matter properly.

9. When the Traveler, companions or relatives do not identify themselves as such

10. When as a consequence of fault or negligence on the part of the Traveler, companions or the relatives, bail or any other guarantee becomes effective. SafeMex will be exempt to grant another guarantee.

11. When the Traveler or his relatives fails to fulfill any of the obligations indicated in this contract

12. All those exclusions described in this contract.

13. Also excluded are assistance situations arising directly or indirectly from:

a. Strikes, war, invasion, acts of foreign enemies, hostilities (whether war has been declared or not), rebellion, civil war, popular insurrection, terrorism, uprisings, manifestations, movements, radioactivity or any act of God.

b. Self inflicted injuries.

c. Participation on behalf of the Traveler or its relatives in intentional criminal acts.

d. The participation of the Traveler or his relatives in combat, with the exception of self-defense.

e. The involvement of the Traveler or his relatives in professional sports activities, as well as participating in official or unofficial competitions and exhibitions.

f. The involvement of the Traveler or his relatives and/or the vehicle in any class of races, competition or exhibition.

g. The irradiation coming from the nuclear transmutation or disintegration, of the radioactivity or any type of accident caused by nuclear fuels or materials.

h. The participation of the Traveler or his relatives in automobile, bicycle, horse racing and any class of races, exhibitions or tests.

i. Mental diseases or breakdown.

j. Any preexisting, chronic or recurrent disease.

k. Pregnancies in the last three prenatal months before the due date, childbirth as well as related clinical analysis.

l. Eye exams to obtain or correct a graduation, as well as surgical procedures with the purpose of modifying refractory errors.

m. Transplant and/or transportation of organs or body parts of any type.

n. Diseases or pathological conditions produced by the deliberate ingestion or administration of toxics (drugs), narcotics or by medicines used without medical prescription.

o. Suicide or illnesses and injuries resulting from the attempt of suicide.

p. Manual injuries occurring in the exercise of a profession.

q. Vehicles that have been modified in any way, different from the specifications of the manufacturer.

r. Deliberate blows or crashes, as well as the participation of the automobile in criminal acts.

s. Maintenance works, automobile service, major repairs and the fixing and assembling of parts by the Traveler or the relatives or by a third party.

t. The lack of gas and/or oils, discharged batteries or in bad shape flat tires or low air tires, do not give right to the towing service. Reason being these situations is covered under paragraph 15 of this contract under the title of basic road assistance.

u. Tow of the automobile with load or wounded, as well as the removal of the vehicle clogged or obstructed in precipices, ditches or of any place that implies maneuvers of rescue of the vehicle, different from the ones from a simple drag.

v. If the traveler has an automobile accident and is under the influence of drugs and/or alcohol or any other toxic substance.

10. COVERAGE

The coverage of this contract will commence on the date and for the duration indicated by the Traveler at the time of purchase, for which the Traveler will pay the price quoted and accepted by phone, internet or in person.

The Traveler should provide, at the time of purchase, the following information as a minimum: name, address, telephone, e-mail, dates of traveling, place of origin of travel, place of destination and/or places to be visited, date of birth, sex and general information of a contact at his place of home.

11. CANCELLATION POLICY

The contracted service may be cancelled with a minimum of 48 hours prior to the starting date of the service. This may be done by calling the SafeMex sales office, which will provide the customer with a "cancellation number". Otherwise, there are no refunds.

12. OPTIONAL COVERAGE: TRIP CANCELLATION AND INTERRUPTION PROTECTION

1. Trip cancellation/interruption

Safemex will reimburse up to $1,500 dlls. per covered Traveler for losses incurred from cancelled trips up to the time and date of departure or for trips that are interrupted or delayed after the time and date of departure, due to:

- Injuries, sicknesses or death of the Traveler or of a traveling companion, business partner or an immediate family member.

- Hijacked, quarantine, or requirement to serve on a jury or subpoena of the Traveler or a traveling companion..

- When the Traveler or traveling companion has a principal residence made uninhabitable by fire, flood, volcano, earthquake, hurricane, or other natural disaster.

- When the Traveler or traveling companion is directly involved in a documented traffic accident while en route to departure.

2. Lost Baggage

In case of the Traveler’s baggage is lost or stolen; SafeMex will reimburse the Traveler up to a maximum amount $500 for loss, theft, or damage for Traveler’s baggage and/or personal effects occurring during the trip.

3. Delayed Baggage

In case of the Traveler’s baggage is delayed for more than 24 hours while the Traveler is on trip, SafeMex will reimburse the Traveler up to $250 to help cover the cost of clothing, toiletries and/or personal items.

4. Goods Not Covered Under Lost Or Delayed Baggage Coverage:

- Money, credit cards, tickets, or documents.

- Professional or occupational equipment or property (whether or not electronic business equipment), telephones or computer hardware or software.

- Electronic equipment.

- Jewelry.