Protected Traveler

INSURANCE

HAND LUGGAGE THEFT

Compensation will be made through reimbursement up to the total of the contracted insured amount, in case of theft of hand luggage, including electronic and/or computer equipment, electronic devices identified as “gadgets”, “wearables”, “pocket” devices and their accessories such as cell phones, tablets, laptops, video games, among others, within your hand luggage.

Requirements: Liability letter from the bus line, notarized report presented to the Public Prosecutor.

Coverage applies only if the incident occurs during the trip.

Exclusions:

1. Passports, visas, personal identification documents, transport tickets, certificates and other documents such as deeds, cash, credit cards, debit cards, payment cards, negotiable securities, gold, silver, stamps, and keys.

2. Losses arising from any crime involving the direct participation of the Insured, any of their ascendants or descendants up to the second degree and/or relatives by affinity up to the second degree, as well as any employee, dependent, or servant of the Insured.

3. As a consequence of attacks, riots, civil disturbances, or other acts that the law qualifies as crimes against public order.

TRANSPORT OF BODY IN CASE OF ACCIDENTAL DEATH

In case of accidental death of the passenger during the trip, expenses will be covered up to the insured limit:

1. The procedures for the transportation or repatriation of the body; transportation costs will be covered up to burial.

2. Burial at the place of death or transport of ashes to the passenger’s permanent residence, at the request of relatives.

3. Transportation expenses for the passenger’s companions to their respective residence or the burial place, provided such transportation cannot be made using the originally planned means of travel.

4. Transportation expenses for the passenger’s companions to their respective residence or the burial place, provided such transportation cannot be made using the originally planned means of travel.

5. Payment of a round-trip ticket in the same class as the insured for a family member, in the most convenient means of transportation, from their residence to the place of death, only if the deceased passenger traveled without an adult companion and local authorities require a relative or representative. Within the same insurance provider established in the plan.

6. Requirements: Payment will be covered by reimbursement to the passenger upon presentation of a copy of the death certificate and the required invoices, receipts, and/or supporting documents.

7. Coverage applies only if the incident occurs during the trip.

MEDICAL EXPENSES FOR ACCIDENT OR ILLNESS

In the event that the passenger suffers an accident within 7 days after its occurrence, or serious illness, medical emergency, emergency surgery, or the onset of a non-pre-existing illness during the trip requiring medical treatment, surgery, hospitalization, ambulance use, medications, laboratory and imaging studies up to the Usual and Customary Expense; the amount of covered medical expenses will be reimbursed. Medical expenses incurred during a passenger’s trip will preferably be paid directly to the service provider contracted with the Company, except in an emergency.

Covered expenses include:

1. Emergency Medical Transport to the nearest hospital and return to the place of lodging.

2. Medical and hospitalization expenses due to medical emergency, including the first consultation and newborn expenses for pregnancies up to the 7th month.

3. Transport and stay of a passenger’s companion in hospitalizations longer than 5 days.

4. Transport and accompaniment of minors under 16 years old in hospitalizations longer than 5 days or in case of death.

The relationship between the passenger covered under this policy and the medical providers remains under their responsibility; the Company assumes no liability for the service received or payment of damages.

Requirements: Payment will be covered by reimbursement to the passenger upon presentation of the medical report, studies performed, and the required invoices, receipts, and/or supporting documents.

Coverage applies only if the incident occurs during the trip.

MEDICAL EXPENSES FOR ACCIDENT OR ILLNESS

Exclusions:

The insurance policy will in no case cover expenses arising from the following:

1. Emergency Medical Transport to the nearest hospital and return to the place of lodging.

2. Medical and hospitalization expenses due to medical emergency, including the first consultation and newborn expenses for pregnancies up to the 7th month.

3. Transport and stay of a passenger’s companion in hospitalizations longer than 5 days.

4. Transport and accompaniment of minors under 16 years old in hospitalizations longer than 5 days or in case of death.

5. If the illness is of origin and symptomatic manifestation prior (“pre-existing”) to the start date of the contracted insurance coverage, as well as its consequences and aggravations, except as specified in section B point 5 of this section.

6. Conditions, injuries, and their consequences or complications resulting from treatments not provided by qualified medical professionals.

7. Any replacement and/or repair of prostheses or orthoses, orthopedic articles, hearing aids, eyeglasses, and contact lenses.

8. For illnesses derived from chronic conditions or diagnosed prior to the trip, provided they are not medically controlled; in emergencies only the first expense to stabilize the patient will be reimbursed.

9. Organ or tissue transplants of any type.

10. Mental illnesses, psychiatric disorders, depression, or any type of mental or nervous illness, except as stipulated in section J. Psychological Assistance.

11. Medical or hospital expenses carried out without a medical prescription.

12. Routine checkups or medical exams, i.e., expenses without a diagnosis of an illness or accident covered.

13. Rehabilitation treatments or physical recovery therapy not derived from medical assistance provided during the trip.

14. Sexually transmitted diseases (STDs).

15. High blood pressure and all its consequences and derivations, as well as blood pressure control.

16. Injuries resulting from surgical interventions or medical treatments not caused by covered medical assistance provided during the trip.

17. Any additional expenses not related to medical treatment such as: tissues, hairdressing, body lotions, creams and cosmetics, companion meals, safe deposit box, bond fee, candy store, parking, florist, telephone service, rental of entertainment services, TV control, library service, newspapers, restaurant, and cafeteria service. (The above list is illustrative, not exhaustive).

18. If the travel destination has travel alerts due to health, safety, weather, or other issues issued by local or international authorities.

EMERGENCY SERVICES

EMERGENCY AMBULANCE DISPATCH

• In the event that the beneficiary or an immediate family member suffers an accident or illness, and/or requires transport to a hospital due to an emergency, a basic ground ambulance will be coordinated to transfer the patient to the nearest hospital of their choice.

• If the client requests a specialized ambulance (transfer, COVID, or specialized), a quotation will be provided to the beneficiary. Service is available 24/7, 365 days a year. The service must be coordinated from the beginning by SSIST to make the benefit valid. An emergency is understood as a situation that endangers life, organ viability, or bodily integrity of the beneficiary, requiring immediate medical attention.

• The emergency ambulance service consists of a basic emergency mobile unit with a driver and a medical technician on board, equipped according to NOM34 standards.

• Basic level medical emergency personnel will have knowledge of basic CPR, elementary anatomy and physiology, patient lifting and mobilization, immobilization and packaging, basic airway management, assessment and examination, trauma identification and management (bleeding, shock, soft tissue, musculoskeletal, head and spine), basic pharmacology, medical clinical problem management (respiratory, cardiovascular, diabetic, allergic, environmental, obstetric, behavioral, and poisoning emergencies), medication administration under medical supervision (subcutaneous, oral, inhalation), ambulance operation, communication systems, initial handling of hazardous material incidents, basic rescue techniques, triage and classification of beneficiaries, and interaction with aircraft.

• Regarding the unit: The basic emergency ambulance is a ground mobile unit intended for patients requiring prehospital medical care with basic life support.

• SSIST will not be responsible for any complications arising during medical transport or any outcome, but will assist the beneficiary in claiming responsibility from the third party liable.

• Only transport to the nearest hospital is covered. If availability is lacking and the beneficiary must be taken to another hospital, this counts as a second event and any additional cost must be borne by the beneficiary.

• If the ambulance service must wait for the patient to be admitted or discharged, or due to any circumstance beyond the service provider’s control, the beneficiary must pay the provider directly for each additional hour of waiting. The cost will be communicated at the time.

• If the beneficiary is overweight and requires a larger ambulance for transport, the additional charge for this special requirement will be paid directly to the ambulance service provider.

• Ambulance assistance does not cover pandemic-related illnesses such as COVID-19, monkeypox, or any other pandemic disease. These cases will be quoted separately and the cost borne by the beneficiary.

• The personnel providing this service are licensed physicians experienced in primary care, medical ethics, and identifying situations requiring higher-level care.

• SSIST is not responsible for the services provided by the suppliers or their actions; the service provider is directly responsible. SSIST provides coordination and management only and will assist the beneficiary with any issues with the supplier.

• Coverage: 24 hours before the start of the trip, as long as the beneficiary is not at their residence, during the trip, and up to 6 days after arrival at their residence.

Exclusions:

1. The beneficiary is responsible for covering hospitalization costs, medications, surgical materials, and medical fees.

2. If a specialized ambulance is required, it will be quoted and charged to the beneficiary.

3. Rescue or situations where the beneficiary is in locations that obstruct or endanger access, including remote, inaccessible, or dangerous areas (forests, deserts, mountains, rivers, seas, isolated roads, cliffs, caves, platforms, boats, etc.). Lack of explicit authorization for transfer from the treating physician certifying clinical stability.

4. SSIST is not responsible if the hospital or clinic reserves the right of admission.

5. Emergency services will comply with applicable government regulations.

FUNERAL ASSISTANCE

In case of death, coverage applies for natural causes or accidents, through SSIST’s funeral assistance network, which includes the following services:

1. Personalized assistance 24/7 through the Call Center.

2. Assistance and guidance with authorities for recovering the deceased within national territory.

3. Transfers:

   
   

   1. First transfer from the place of death to any funeral home agency; in Mexico City and metropolitan area, to J. García López branches or correspondent funeral agencies elsewhere.

   2. Second transfer from the wake location to the cemetery designated by the responsible family member or to the crematorium (subject to availability).

   3. Transfers between points cover up to 60 KM within the same locality. If exceeding 30 km, the beneficiary covers the additional cost at $30.00 MXN per km, plus any administrative or interment fees.

4. Body preparation (makeup and dressing).

5. Embalming (upon beneficiary request).

6. Basic metal coffin.

7. Basic metal coffin for cremation use.

8. Basic wake room or chapel for 20 people, or home wake setup if allowed by authorities.

9. Support for religious services.

10. Cremation and delivery of a basic urn (if service is available in the area), subject to authority permission.

11. Coverage includes children under 21 years and adults up to 69 years. Family members covered per financial agreement.

Coverage: 24 hours before the start of the trip, as long as the beneficiary is not at their residence, during the trip, and up to 6 days after arrival at their residence.

Exclusions:

1. Procedures and transfers for medico-legal death cases (Public Prosecutor and Forensic Medical Services).

2. Any cost arising from procedures with Public Prosecutor or Forensic Medical Services.

3. Exhumation of remains.

4. Floral arrangements.

5. Cemetery fees and labor.

6. Out-of-town transfers (land or air freight).

7. Interment fees and procedures.

8. Repatriation.

9. International transfers.

10. Cafeteria services.

11. Niches, graves, crypts.

12. Transportation for companions.

13. If the service was not requested through the Call Center (no refund).

14. If the beneficiary already contracted a service independently, no refund applies.

15. False statements regarding the age of the insured.

16. Force majeure or unforeseen circumstances making service provision impossible.

17. Access to obituary publications in newspapers.

18. Maximum coffin weight for coverage is 100 kg. If exceeded, a different coffin will be used if it does not surpass covered costs.

19. Suicide.