I. DEFINITIONS

Whenever a word is used with upper caps in this Insurance and Assistant Contract, the terms defined below shall have the meanings stated below.

1. Beneficiary. Customers of SECURE WRAP who acquire, use and contract the service of packing, mooring, packing and protecting luggage, either with plastic materials of all kinds, stretch plastic film, plastic boxes, as well as corrugated cardboard and any material that serve for the care, protection, maintenance and conservation of all objects that are packed. As long as they add to the packing service, the travel assistance “TOTAL PROTECTION and / or contract separately, only the assistance service” TOTAL PROTECTION “without having contracted the service of packing, mooring, packing and protection of luggage, already be with plastic materials of all kinds, stretch plastic film, plastic boxes, as well as corrugated cardboard, unicel and any material that serves for the care, protection, maintenance and conservation of all objects that are packed.
2. Assistance Services: The Assistance Services managed by AXA ASSISTANCE to the Beneficiaries in the terms of this contract, for the cases of Assistance Situation of a Beneficiary.
3. Assistance Situation: Any event occurred to the Beneficiary in the terms and with the limitations established in this contract, as well as the other situations described, which give the right to the management of the Assistance Services between contracts, as well as the other situations described, which give right to the management of Assistance Services.
4. Travel: For the purposes of this contract, a Beneficiary will be considered to be traveling, when he is more than 100 kilometers from the center of his City of Permanent Residence.

1. The ASSISTANCE SERVICES

The following Assistance Services will be provided in both national and international trips with a temporality of 15 calendar days, counted from the day on which the beneficiary acquires, uses and contracts the packing, mooring, packing and luggage protection service, and be with plastic materials of all kinds, stretch plastic film, plastic boxes, as well as corrugated cardboard, unicel and any material that serves for the care, protection, maintenance and conservation of all objects that are packed.

1.1 Luggage Location.

The recovery of said objects that have not been located but that do not cover the time elapsed to be reported as Baggage delay, according to the airline, will be managed. The Beneficiary will be advised to report to the competent authorities; in case the objects were recovered, their redirection will be managed until the next point of destination or the place of Permanent Residence of the Beneficiary. No cost to the Beneficiary.

1.2 Legal Assistance.

In the event that a civil or criminal proceeding is initiated against the Beneficiary, as long as it is not due to an intentional act or in bad faith, at the request of the Beneficiary or its Representative, AXA ASSISTANCE will telephone legal assistance regarding the procedure to follow

Exclusions to this support service:

1. Under no circumstances, AXA ASSISTANCE will be responsible for the acts carried out by the Beneficiary himself and / or expenses that he will incur.
2. This service will not operate, if the emergency is due to the Beneficiary’s professional activity or due to traffic and / or possession of drugs, narcotics or intoxicants, or their consumption, or by ingestion of alcoholic beverages, as well as abandoning the place of the facts or for abandoning the legal proceedings instituted against them.
3. Facts made by the Beneficiary with Bad faith.
4. Infractions and / or fines of any kind stipulated by the government of the country or city where the Beneficiary is traveling.

1.3 Transmission of urgent messages / Cash transfer to insured on a trip 

1. Help will be handled to send an urgent message to someone in your home. Trying to locate it by telephone up to three times in 24 hours and confirm if we have been able to contact the person who indicated us.
2. The Assistance Company upon request of the Beneficiary or Representative will coordinate the money transfers that are necessary to deal with an emergency. In order to carry out the transfer, the amount to be transferred must be deposited in any office of the Assistance Company.
   This service operates without exceeding the amounts indicated in the Cover of the Policy. The funds will be delivered in the local currency of the place where the Beneficiary is located at the exchange rate that prevails in the place and day where the Beneficiary is located minus the expenses that involve the transfer of the money.
   This service will not operate if the emergency is due to the beneficiary’s professional activity or implications in traffic and / or possession of drugs, narcotics or enervants, or their consumption, or ingestion of alcoholic beverages, as well as leaving the scene of the events or for abandoning the legal proceedings instituted against him.

1.4 Repatriation and/or medical transfer of the Insured

If the Insured suffers an Accident or Illness during the Trip, and at the discretion of the treating Physician and Medical Team of the Assistance Company, they determine that the Insured cannot return to his Permanent Residence as a normal Passenger, or cannot use the means initially scheduled, the Assistance Company will manage and cover expenses for repatriation by plane (regular economy class) and/or transfer, as well as any additional expenses during the Trip that may be necessary.

Such additional expenses include, but are not limited to: transport, treatment, medical supplies and services incurred during the repatriation of the Insured.

The Assistance will have an applicable Maximum Limit of $ 10, 000 USD both National and International.

1.5 Repatriation and/or transfer of the insured in the event of death

In case of death of the Beneficiary during a Trip, AXA ASSISTANCE will manage and cover the expenses for the services of repatriation and transfer of mortal remains, as well as all the necessary formalities (including any legal procedure) taking charge of:

A) The repatriation or transfer of the corpse or ashes to the place of burial in the Permanent Residence of the Beneficiary; or, at the request of a direct relative, AXA ASSISTANCE will be responsible for the burial expenses at the place of death of the Beneficiary without exceeding the maximum limit

B) A round trip air ticket (regular economy class originating in the Permanent Residence of the Beneficiary) to go to the place of death, in case local competent authorities require a family member or representative.

The Assistance will have an applicable Maximum Limit of $ 10, 000 USD both National and International.

2. Additional Benefits

The following Benefits will be presented by a duly authorized Insurance Institution (Seguros Atlas SA)

2.1 Trip Cancellation

The Insurance Institution protects, without exceeding the insured sum contracted and stipulated on the cover page of the travel cancellation policy, the reimbursement of the cancellation expenses incurred by the Insured and billed by application of the conditions of sale of the agency in which the insured trip was purchased or of any of the travel providers, provided that the Insured cancels the trip before the start date of the insured trip.

It specifies that reimbursements or cancellation expenses are not covered under this coverage when the trip reservation has not been finalized, that is to say when the amounts of the same have not been fully paid according to the definition of insured travel, so they are not found covered payments due to the travel agency or travel provider for cancellation of the same.

Maximum applicable limit is $ 500 USD, both National and International via reimbursement

2.1.1 Risks Covered

The above mentioned cancellation of travel coverage operates under the following causes:

a) Due to death, physical accident or illness of:

a.1) Of the Insured, his spouse or of one of his ascendants or descendants: parents, children, grandparents or siblings.

a.2) Of the person in charge during the trip of the custody of the minor or disabled children.

b) As a result of a loss or damage to property of the Insured due to a fire, explosion, storm, hail, lightning strike, flood, avalanche, volcanic eruption, earthquake, landslide or crime perpetrated by a third party, if the loss or damage implies an expense that prevents the Insured from making the trip or if the presence of the same is necessary to evaluate the loss or to follow up on legal procedures.

c) As a result of the loss of employment of the Insured as a result of an unexpected dismissal by the employer that prevents the Insured from making the trip. This subsection is subject to the filing of the corresponding withdrawal before the IMSS (Mexican Institute of Social Security) or ISSSTE (Social Security Institute at the Service of State

d) As a result of the start of an employment of the Insured when the person was unemployed at the time of booking the trip and that prevents the Insured from making the trip, subject to the presentation of the corresponding registration before the IMSS (Mexican Institute of Social Security) or ISSSTE ( Institute of Social Security at the Service of State Workers).

e) As a result of the application of school exams that must be presented by the Insured to advance to the next school year and / or obtain a certificate of studies, if the date of the exam coincides or is set unexpectedly with the date of the insured trip or is scheduled to be presented in a period of 14 days from the end of the insured trip, and that said events prevent the Insured from making the trip.

f) Risk pregnancy of the Insured or his spouse, if the risk status has begun after contracting the policy.

g) Severe complications in the state of pregnancy that, by medical prescription, require a person to rest or require the hospitalization of the Insured or their spouse, provided that such complications have occurred after contracting the policy and before the trip has begun.

h) Complications of health of the Insured arising from intolerance to immunization

i) In the event of the delayed start of the insured trip and provided that the cause that causes this fact is covered by the Travel Cancellation coverage, the Insurance Institution will reimburse the travel delay expenses that are incurred by the Insured and are billed by application of the conditions of sale of the agency in which the insured trip was purchased or of any of the providers of the trip up to a maximum amount equivalent to the compensation that would have arisen in case the Insured had made the cancellation of insured travel.

2.2 Trip Curtailment

The Insurance Institution covers without exceeding the insured sum contracted and stipulated on the policy page, the reimbursement of the expenses borne by the Insured generated by any of the following causes:

a) Unscheduled interruption of the insured trip

If as a consequence of a covered risk in accordance with what is established in the Covered Risks (Section 2.1.1), the Insured is forced to return in advance to his usual place of residence, that is, he cannot continue with the initial itinerary of the insured trip. , the Insurance Institution covers the additional expenses of the return trip under the same conditions of the initial reservation.

b) Unused travel services.

If as a consequence of a covered risk in accordance with what is established in the Covered Risks (Section 2.1.1), the Insured is forced to return in advance to his usual place of residence, that is, he cannot continue with the initial itinerary of the insured trip. , the Insurance Institution covers the pro rata costs of unused travel services from the date on which the Insured notifies the unscheduled interruption of the trip and until the end of the insured trip.

It is understood as travel services:

b.1) Reservations of means of transport as transportation services of or for the destination of the insured trip, air travel, sea travel, bus travel, and train travel.

b.2) Lodging reservations such as reservation of hotel room, reservation of rest houses, houseboats or yachts.

c) By extension or stay.

If it is not possible to mobilize the Insured or a companion who jointly makes the insured trip due to an accident or illness injury covered by Emergency Medical Assistance due to Accident or Illness (Section 2.4) during the insured trip, the Insured is covered a daily compensation of 50 USD (American Dollars) for lodging for a maximum period of 10 days up to 500USD maximum.

d) Excursion interrupted.

If as a consequence of a risk covered by Medical Assistance by the Insured is temporarily unable to continue with the scheduled itinerary for the excursion that is part of the insured trip, the Insurance Institution covers the travel expenses that are made so that the Insured reaches to your group that makes up the excursion. The maximum limit of liability for the Insurance Institution consists of the value of the services not used less the supplementary expenses of the return trip under the same conditions of the initial reservation.

e) By phenomena of the nature of extraordinary character

The Insurance Institution covers a daily compensation of USD 50 (US Dollars) for a maximum of 10 days in case of interruption of the unscheduled trip or extension of stay in case the Insured is unable to continue with the trip insured for cause of floods, mudslides, earthquakes, volcanic eruptions or cyclonic storms, hurricane, swell, storm surge or mudslide in the resort.

Maximum applicable limit is $ 500 USD, both National and International.

2.2.1 Covered risks

The above mentioned coverage of travel curtailment, operates for the following causes:

a) Due to death, physical accident or illness of:

a.1) Of the Insured, his spouse or of one of his ascendants or descendants: parents, children, grandparents or siblings.

a.2) Of the person in charge during the trip of the custody of the minor or disabled children.

b) As a result of a loss or damage to property of the Insured due to a fire, explosion, storm, hail, lightning strike, flood, avalanche, volcanic eruption, earthquake, landslide or crime perpetrated by a third party, if the loss or damage implies an expense that prevents the Insured from making the trip or if the presence of the same is necessary to evaluate the loss or to follow up on legal procedures.

c) Due to rupture of prosthesis or loss of joint implant.

2.3 Baggage Delay

The Insurance Institution covers the Insured for up to the total insured sum contracted, by means of reimbursement of the expenses related to articles of first necessity, that have been generated due to the delay of 24 hours in the delivery of their checked baggage. In the event that the delay occurs on the return trip to your usual place of residence, this coverage does not operate

Maximum applicable limit is $ 300 USD, both National and International

With a limit on the Sum Insured established in the Individual Insurance Certificate, the Company will reimburse the Insured, the expenses incurred for the reasonable purchase of essential items (clothing, footwear and personal hygiene items) and for personal use until their luggage documented arrives at its destination, as a consequence of delay or deviation of more than 24 hours by the Airline Carrier. In order for this coverage to take effect, the baggage must have been documented by the Insured on the same flight in which the Insured traveled and must be reported as delayed by the Airline.To make the claim it is necessary that the insured submits the documents of the invoices or purchase notes with the corresponding fiscal requirements, same that must have itemized the items purchased, as well as the document issued by the Airline that covers the delay of the luggage documented. ALWAYS AND WHEN THEY HAVE THE DOCUMENTATION THAT IS ISSUED BY THE AIRLINE.

2.4 Medical Emergency Assistance due to Accident or National Illness via Reimbursement / International Direct Payment

The Insurance Institution covers without exceeding the sum insured contracted and stipulated on the cover of the policy, which operates as a single and combined limit (LUC).

It also stipulates that in case of granting a sub-limit of insured sum in any of the hedges of this section, this amount is part of the insured sum contracted and is not additional.

These coverages operate as follows:

2.4.1 Medical

The expenses incurred are covered, for medical services including hospitalization, surgical interventions, medical and prescribed medications, dental expenses, medical transfer that are generated in case of accident or illness of the Insured that occurs during the trip insured in this policy, then. The relationship between the Insured covered under this coverage and the medical providers is under their responsibility, so the Insurance Institution does not assume any responsibility for the service received or payment of damages.

2.4.2 Medical and hospitalization expenses

The medical treatment expenses that are required during the insured trip are covered and are paid by medical order. The cost of:

a) Treatment of patients, if required, includes admission to the hospital and surgical interventions.

b) Medications and bandages, up to 300 USD (American Dollars). This amount is a sub-limit of the sum insured contracted, so it is included within it.

c) In case of premature birth, the cost of the treatment required by the newborn up to the insured sum contracted and stipulated on the policy page. The above operates in cases in which the insured trip is made without previously having complications in the pregnancy.

d) If, during the insured trip, the pregnancy presents complications, the required medical treatment is covered, up to the insured amount contracted and stipulated on the policy page, in order to avoid immediate risks that threaten the life of the mother and / or the baby, but not for abortion, provided that the pregnant woman is under 38 years of age or less than 30 weeks pregnant at the time of the problem.

e) Assistive devices such as walking aids, wheelchair rental, oxygen if required for the first time due to an accident or illness during the insured trip prescribed by a doctor, up to a total of USD 250 (USD).This amount is a sub limit of the sum insured contracted, so it is considered within the same.

Maximum applicable limit is $ 10,000 USD, both National and International.

The company will pay the insured up to the Insured Sum limit of $ 10,000 specified in the Individual Insurance Certificate for this coverage. (Territory in the Mexican Republic). For which the insured will be responsible for managing their expenses and proceed to validate the documentation that is necessary for the processing thereof.

In case of any International assistance (outside the territory of the Mexican Republic). The assistance company will be responsible for proceeding and managing the assistance of up to $ 10,000 USD through direct payment. For which the insured must communicate to the indicated numbers to direct it to the network of medical assistance.

2.5 Dental Assistance.

Emergency dental treatment is provided to alleviate pain, including simple or temporary fillings and cures to restore denture functions and dental replacement, up to a total of USD 300 (US Dollars). This amount is a sub-limit of the sum insured contracted, so it is included within it.

Maximum applicable limit is $ 300 USD, both National and International.

The company will pay the insured up to the Insured Sum limit of $ 300 USD specified in the Individual Insurance Certificate for this coverage. (Territory in the Mexican Republic). For which the insured will be responsible for managing their expenses and proceed to validate the documentation that is necessary for the processing thereof.

In case of any International assistance (outside the territory of the Mexican Republic). The assistance company will be responsible for proceeding and managing the assistance of up to $ 300USD via direct payment. For which the insured must communicate to the indicated numbers to direct it to the network of medical assistance.

GENERAL EXCLUSIONS APPLICABLE TO ALL COVERAGES

The Insurance Institution will not be responsible in any case for losses or damages because of:

a) Fraud or bad faith of the Insured, their relatives, or whoever represents their interests.
b) By phenomena of the nature of extraordinary character, such as floods, avalanches of mud, earthquakes, volcanic eruptions or cyclonic storms, hurricane, blow of sea, swell. With the exception of those established in Section 2.1.1 and 2.2.1.
c) Medical treatment that is the reason for the insured trip, periodic medical check-ups, preventive, pediatric, endodontic, periodontal, orthodontic dentistry, fillings or fillings, dental prostheses, apicectomies, implantology and the diagnostic means necessary to perform these treatments .
d) If the insured takes the trip despite requiring treatment for medical reasons (for example, dialysis) in a hospital near his place of habitual residence and requires that this policy covers the treatment at the place of travel.
e) Due to illnesses or injuries derived from chronic diseases or those diagnosed prior to the trip.
f) Purchase or repair of a pacemaker, any type of prosthesis, visual aid devices.
g) Expenses for treatments and / or medications that are not scientifically recognized.
h) For treatments in health spas or clinics or other rehabilitation methods.
i) By pregnancy and childbirth, except as established in Medical Assistance.
j) For prenatal care or abortion.
k) Bodily injuries that occur in a state of mental derangement, paralysis, stroke, epilepsy, diabetes, alcoholism, substance abuse, spinal cord diseases, syphilis, AIDS, encephalitis, and, in general, any injury or illness that diminishes the physical or mental capacity of the Insured.
l) Bodily injuries that occur as a result of participation in criminal actions, provocations, fights -except in cases of self-defense- and duels, recklessness, bets or any risky or reckless undertaking and accidents suffered as a result of pandemics, earthquakes , floods and volcanic eruptions.
m) Illnesses, hernias, lumbago, heart attacks, intestinal strangulation, complications of varicose veins, poisonings or infections that do not have as a direct and exclusive cause an injury as a result of an accident while traveling. The consequences of surgical operations or unnecessary treatments for the healing of accidents suffered and those that belong to the care of one’s own person.
n) Injuries that occur as a result of accidents resulting from the use of two-wheeled vehicles with displacement greater than 75 c.c.
o) Injuries that occur in the exercise of a professional activity, except those of a commercial, artistic or intellectual nature.
p) It is not covered if the loss is intentionally caused by the Insured.
q) Situations of aggravation of an accident that occurred prior to the formalization of the policy are not included.
r) Cosmetic surgery.
s) The Insured does not follow the restrictions, recommendations or suggestions of the airline, the crew, the government or any other official authority during their trip.
t) Mental illnesses and depressions without hospitalization or that justify a hospitalization of less than seven days.
u) Diseases that are being treated or have medical care within 30 days prior to the date of reservation of the trip.
v) That the Insured is under the effects of drugs, solvents, or alcohol, except for drugs prescribed by a certified physician, but not those used for the treatment of drug addiction.
w) Losses or damages suffered by the Insured, as a consequence of war operations, whether from foreign war or civil war, insurrection, subversion, rebellion, expropriation, requisition, confiscation, seizure or detention by the legally recognized authorities , on the occasion of their duties, when intervening in said acts.
x) Terrorism.
i. Terrorism shall be understood, for purposes of this policy:
ii. The acts of a person or persons that by themselves, or on behalf of someone or in connection with any organization or government, perform activities by force, violence or by the use of any other means for political, religious, ideological, ethnic purposes or of any other nature, designed to overthrow, influence or pressure the de facto or de jure government to make a determination, or to alter and / or influence and / or produce alarm, fear, terror or distress in the population, in a group or section of it or of some sector of the economy.
iii. Based on the foregoing, losses or material damages are excluded for such direct and indirect acts that, with a mediate or immediate origin, are the result of the use of explosives, toxic substances, firearms, or by any other means, in against people, things or public services and, given the threat or possibility of repeating, produce alarm, fear, terror or anxiety in the population or in a group or sector of it.
iv. It also excludes losses, damages, costs or expenses of any nature, directly or indirectly caused by, or resulting from, or in connection with any action taken to control, prevent or suppress any act of terrorism.
y) For acts and / or acts of armed forces or security forces or bodies, even if they are carried out in times of peace.
z) The non-presentation for any reason of the essential documents in every trip, such as passports, visas, vaccination certificates.aa) Complications of the state of pregnancy, except as indicated in paragraphs f and g) of section I.1.
bb) As a result of events related to radioactive energy.
cc) Due to suicide and / or injuries or sequelae caused by the attempt of the same.
dd) For injuries that the Insured infringes due to inexcusable fault.
ee) For payments owed to the travel agency or travel provider as a result of the cancellation of the insured trip.
ff) That the Insured is involved in:
i. The training or action supervised by a military authority.
ii. Any sport that is practiced professionally or under a payment contract.
g) Sports competitions or in their respective preparatory training as amateur, and at any level, in motor sports (cars, motorcycles or any motorized vehicle), flight sports, diving, using oxygen tanks or breathing apparatus, and free diving. Dangerous sports such as abseiling, football, baseball, big game, bungee jumping, boxing, boating, rapids descent, football and cricket, dangerous expeditions, endurance events, go karts, motor rally, hockey, ice hockey, marathons, motorcycle acrobatics, martial arts, mountain bikes, polo, climbing, weapon safaris, parachuting, gliding, war games, water ski jumping, weight lifting, river descent and wrestling, mountaineering, climbing, spelunking, skiing , surf, motocross, speed or resistance races, ascensions or aeronautical trips, gliding, hang gliding, paragliding, polo, boxing, rugby, spearfishing, parachuting or others of similar degree of risk.
hh) Epidemics or pandemics officially declared by the health authorities.
ii) When the certificate or medical report requested by the Company in clause 6, numeral 3, does not demonstrate the inability to travel by the Insured.
jj) Consequential damages resulting from strikes, popular uprisings, civil commotion, vandalism and damages by acts of ill-intentioned people.
kk) Goods and equipment for professional use, currency, bank notes, travel tickets, stamp collections, titles of any kind, documents of any kind, with the exception of official identity documents and visas. Values ​​on paper, credit cards, tapes and / or discs with memory, documents registered in magnetic or filmed bands, collections and professional material, prostheses, glasses and contact lenses. For this point personal computers are not considered professional material.
ll) For robbery without violence and / or loss or loss, except inside the hotel rooms, when they are locked. We understand robbery without violence that abduction committed to carelessness, without violence or intimidation to people or force in things.
mm) Damage due to normal or natural wear, self-abuse and inadequate or insufficient packaging. Those produced by the slow action of the weather.
nn) The losses resulting from an object, not entrusted to a carrier, having been simply lost or forgotten.
oo) Damage, loss or theft resulting from personal items used during the insured trip that have been left unattended in a public place.
pp) Any type of consequential loss.
qq) The Insured is traveling on an aircraft that does not belong to a commercial airline of public passenger transport authorized for public transport of passengers.
rr) The Insured is operating or rendering services as a member of the crew of the aircraft.
ss) The Insured does not follow the restrictions, recommendations or suggestions of the airline, the crew, the government or any other official authority during their trip.
tt) Damage caused intentionally by the insured, or serious negligence of this and those caused by spillage of liquids that go inside the baggage

3. Obligations of the beneficiary.

3.1 Request for assistance.

In the event of an Assistance Situation and before initiating any action, the Beneficiary or its Representative will call the alarm center of AXA ASSISTANCE, by providing the following information:

a. It will indicate the place where it is located and the telephone number where AXA ASSISTANCE may contact the Beneficiary or its Representative.

b. Her/His Name

c. Describe the problem or illness that you have and the type of help you need.

The AXA ASSISTANCE Medical Team will have free access to the Beneficiary and his medical history, to know his situation and if such access is denied. AXA ASSISTANCE will not have any obligation to manage any of the Assistance Services.