This summary is only a brief description of the coverage(s) available under policy series PCR_RCH (01/2018). This summary does not replace or change any part of your policy. The policy will contain reductions, limitations, exclusions, and termination provisions. Please read the policy carefully to fully understand the coverages, terms, conditions, limits and exclusions. If there is a conflict between this summary and the policy, the policy will control. This policy provides insurance coverage that only applies during a covered trip. You may have coverage from other sources that provides you with similar benefits. You may wish to compare the terms of this policy with your existing life, health and homeowners’ policies. Please contact +1 415 481 0600 if you have any questions. Insurance underwritten by State National Inc., a Texas domiciled corporation (NAIC Company Code: 12831; TX license number 6026) with its principal place of business at 1900 L Don Dodson Drive, Bedford, TX 76021. Not all plans or coverages are available in every state.Redpoint Resolutions LLC provides evacuation, travel assistance and non-insurance services. Evacuation, travel assistance and non-insurance services are not insurance and are provided through a membership program. An evacuation, travel assistance and non-insurance service program may be purchased individually without travel insurance. By selecting the “Evacuation only, no travel insurance” coverage option, you will be purchasing a Redpoint Resolutions evacuation, travel assistance and non-insurance service program membership.

UnivOps Insurance Services LLC is the licensed insurance agent.This summary is only a brief description of the coverage(s) available under policy series PC_AHR_RCH (01/2018). This summary does not replace or change any part of your policy. The policy will contain reductions, limitations, exclusions, and termination provisions. Please read the policy carefully to fully understand the coverages, terms, conditions, limits and exclusions. If there is a conflict between this summary and the policy, the policy will control. This policy provides insurance coverage that only applies during a covered trip. You may have coverage from other sources that provides you with similar benefits. You may wish to compare the terms of this policy with your existing life, health and homeowners’ policies. Please contact +1 415 481 0600 if you have any questions. Insurance underwritten by State National Inc., a Texas domiciled corporation (NAIC Company Code: 12831; TX license number 6026) with its principal place of business at 1900 L Don Dodson Drive, Bedford, TX 76021. Not all plans or coverages are available in every state.Redpoint Resolutions LLC provides evacuation, travel assistance and non-insurance services. Evacuation, travel assistance and non-insurance services are not insurance and are provided through a membership program. An evacuation, travel assistance and non-insurance service program may be purchased individually without travel insurance. By selecting the “Evacuation only, no travel insurance” coverage option, you will be purchasing a Redpoint Resolutions evacuation, travel assistance and non-insurance service program membership.This summary is only a brief description of the coverage(s) available under policy series PCR_RCH (01/2018). This summary does not replace or change any part of your policy. The policy will contain reductions, limitations, exclusions, and termination provisions. Please read the policy carefully to fully understand the coverages, terms, conditions, limits and exclusions. If there is a conflict between this summary and the policy, the policy will control. This policy provides insurance coverage that only applies during a covered trip. You may have coverage from other sources that provides you with similar benefits. You may wish to compare the terms of this policy with your existing life, health and homeowners’ policies. Please contact +1 415 481 0600 if you have any questions. Insurance underwritten by State National Inc., a Texas domiciled corporation (NAIC Company Code: 12831; TX license number 6026) with its principal place of business at 1900 L Don Dodson Drive, Bedford, TX 76021. Not all plans or coverages are available in every state.Redpoint Resolutions LLC provides evacuation, travel assistance and non-insurance services. Evacuation, travel assistance and non-insurance services are not insurance and are provided through a membership program. An evacuation, travel assistance and non-insurance service program may be purchased individually without travel insurance. By selecting the “Evacuation only, no travel insurance” coverage option, you will be purchasing a Redpoint Resolutions evacuation, travel assistance and non-insurance service program membership.

UnivOps Insurance Services LLC is the licensed insurance agentThis summary is only a brief description of the coverage(s) available under policy series PC_AHR_RCH (01/2018). This summary does not replace or change any part of your policy. The policy will contain reductions, limitations, exclusions, and termination provisions. Please read the policy carefully to fully understand the coverages, terms, conditions, limits and exclusions. If there is a conflict between this summary and the policy, the policy will control. This policy provides insurance coverage that only applies during a covered trip. You may have coverage from other sources that provides you with similar benefits. You may wish to compare the terms of this policy with your existing life, health and homeowners’ policies. Please contact +1 415 481 0600 if you have any questions. Insurance underwritten by State National Inc., a Texas domiciled corporation (NAIC Company Code: 12831; TX license number 6026) with its principal place of business at 1900 L Don Dodson Drive, Bedford, TX 76021. Not all plans or coverages are available in every state.Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.Redpoint Resolutions LLC provides evacuation, travel assistance and non-insurance services. Evacuation, travel assistance and non-insurance services are not insurance and are provided through a membership program. An evacuation, travel assistance and non-insurance service program may be purchased individually without travel insurance. By selecting the “Evacuation only, no travel insurance” coverage option, you will be purchasing a Redpoint Resolutions evacuation, travel assistance and non-insurance service program membership.

UnivOps Insurance Services LLC is the licensed insurance agentThis summary is only a brief description of the coverage(s) available under policy series PCR_RCH (01/2018). This summary does not replace or change any part of your policy. The policy will contain reductions, limitations, exclusions, and termination provisions. Please read the policy carefully to fully understand the coverages, terms, conditions, limits and exclusions. If there is a conflict between this summary and the policy, the policy will control. This policy provides insurance coverage that only applies during a covered trip. You may have coverage from other sources that provides you with similar benefits. You may wish to compare the terms of this policy with your existing life, health and homeowners’ policies. Please contact +1 415 481 0600 if you have any questions. Insurance underwritten by State National Inc., a Texas domiciled corporation (NAIC Company Code: 12831; TX license number 6026) with its principal place of business at 1900 L Don Dodson Drive, Bedford, TX 76021. Not all plans or coverages are available in every state.It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.Redpoint Resolutions LLC provides evacuation, travel assistance and non-insurance services. Evacuation, travel assistance and non-insurance services are not insurance and are provided through a membership program. An evacuation, travel assistance and non-insurance service program may be purchased individually without travel insurance. By selecting the “Evacuation only, no travel insurance” coverage option, you will be purchasing a Redpoint Resolutions evacuation, travel assistance and non-insurance service program membership.

UnivOps Insurance Services LLC is the licensed insurance agent.This summary is only a brief description of the coverage(s) available under policy series PCR_RCH (01/2018). This summary does not replace or change any part of your policy. The policy will contain reductions, limitations, exclusions, and termination provisions. Please read the policy carefully to fully understand the coverages, terms, conditions, limits and exclusions. If there is a conflict between this summary and the policy, the policy will control. This policy provides insurance coverage that only applies during a covered trip. You may have coverage from other sources that provides you with similar benefits. You may wish to compare the terms of this policy with your existing life, health and homeowners’ policies. Please contact +1 415 481 0600 if you have any questions. Insurance underwritten by State National Inc., a Texas domiciled corporation (NAIC Company Code: 12831; TX license number 6026) with its principal place of business at 1900 L Don Dodson Drive, Bedford, TX 76021. Not all plans or coverages are available in every state.Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.Redpoint Resolutions LLC provides evacuation, travel assistance and non-insurance services. Evacuation, travel assistance and non-insurance services are not insurance and are provided through a membership program. An evacuation, travel assistance and non-insurance service program may be purchased individually without travel insurance. By selecting the “Evacuation only, no travel insurance” coverage option, you will be purchasing a Redpoint Resolutions evacuation, travel assistance and non-insurance service program membership.

UnivOps Insurance Services LLC is the licensed insurance agent.This summary is only a brief description of the coverage(s) available under policy series PC_AHR_RCH
(01/2018). This summary does not replace or change any part of your policy. The policy will contain
reductions, limitations, exclusions, and termination provisions. Please read the policy carefully to fully
understand the coverages, terms, conditions, limits and exclusions. If there is a conflict between this
summary and the policy, the policy will control. This policy provides insurance coverage that only applies
during a covered trip. You may have coverage from other sources that provides you with similar
benefits. You may wish to compare the terms of this policy with your existing life, health and
homeowners’ policies. Please contact +1 415 481 0600 if you have any questions. Insurance
underwritten by State National Inc., a Texas domiciled corporation (NAIC Company Code: 12831; TX
license number 6026) with its principal place of business at 1900 L Don Dodson Drive, Bedford, TX
76021. Not all plans or coverages are available in every state.
Redpoint Resolutions LLC provides evacuation, travel assistance and non-insurance services. Evacuation,
travel assistance and non-insurance services are not insurance and are provided through a membership
program. An evacuation, travel assistance and non-insurance service program may be purchased
individually without travel insurance. By selecting the “Evacuation only, no travel insurance” coverage
option, you will be purchasing a Redpoint Resolutions evacuation, travel assistance and non-insurance
service program membership.

UnivOps Insurance Services LLC is the licensed insurance agent.This summary is only a brief description of the coverage(s) available under policy series PC_AHR_RCH
(01/2018). This summary does not replace or change any part of your policy. The policy will contain
reductions, limitations, exclusions, and termination provisions. Please read the policy carefully to fully
understand the coverages, terms, conditions, limits and exclusions. If there is a conflict between this
summary and the policy, the policy will control. This policy provides insurance coverage that only applies
during a covered trip. You may have coverage from other sources that provides you with similar
benefits. You may wish to compare the terms of this policy with your existing life, health and
homeowners’ policies. Please contact +1 415 481 0600 if you have any questions. Insurance
underwritten by State National Inc., a Texas domiciled corporation (NAIC Company Code: 12831; TX
license number 6026) with its principal place of business at 1900 L Don Dodson Drive, Bedford, TX
76021. Not all plans or coverages are available in every state.
Redpoint Resolutions LLC provides evacuation, travel assistance and non-insurance services. Evacuation,
travel assistance and non-insurance services are not insurance and are provided through a membership
program. An evacuation, travel assistance and non-insurance service program may be purchased
individually without travel insurance. By selecting the “Evacuation only, no travel insurance” coverage
option, you will be purchasing a Redpoint Resolutions evacuation, travel assistance and non-insurance
service program membership.

UnivOps Insurance Services LLC is the licensed insurance agent.This summary is only a brief description of the coverage(s) available under policy series PC_AHR_RCH
(01/2018). This summary does not replace or change any part of your policy. The policy will contain
reductions, limitations, exclusions, and termination provisions. Please read the policy carefully to fully
understand the coverages, terms, conditions, limits and exclusions. If there is a conflict between this
summary and the policy, the policy will control. This policy provides insurance coverage that only applies
during a covered trip. You may have coverage from other sources that provides you with similar
benefits. You may wish to compare the terms of this policy with your existing life, health and
homeowners’ policies. Please contact +1 415 481 0600 if you have any questions. Insurance
underwritten by State National Inc., a Texas domiciled corporation (NAIC Company Code: 12831; TX
license number 6026) with its principal place of business at 1900 L Don Dodson Drive, Bedford, TX
76021. Not all plans or coverages are available in every state.
Redpoint Resolutions LLC provides evacuation, travel assistance and non-insurance services. Evacuation,
travel assistance and non-insurance services are not insurance and are provided through a membership
program. An evacuation, travel assistance and non-insurance service program may be purchased
individually without travel insurance. By selecting the “Evacuation only, no travel insurance” coverage
option, you will be purchasing a Redpoint Resolutions evacuation, travel assistance and non-insurance
service program membership.

UnivOps Insurance Services LLC is the licensed insurance agent.This summary is only a brief description of the coverage(s) available under policy series PC_AHR_RCH
(01/2018). This summary does not replace or change any part of your policy. The policy will contain
reductions, limitations, exclusions, and termination provisions. Please read the policy carefully to fully
understand the coverages, terms, conditions, limits and exclusions. If there is a conflict between this
summary and the policy, the policy will control. This policy provides insurance coverage that only applies
during a covered trip. You may have coverage from other sources that provides you with similar
benefits. You may wish to compare the terms of this policy with your existing life, health and
homeowners’ policies. Please contact +1 415 481 0600 if you have any questions. Insurance
underwritten by State National Inc., a Texas domiciled corporation (NAIC Company Code: 12831; TX
license number 6026) with its principal place of business at 1900 L Don Dodson Drive, Bedford, TX
76021. Not all plans or coverages are available in every state.
Redpoint Resolutions LLC provides evacuation, travel assistance and non-insurance services. Evacuation,
travel assistance and non-insurance services are not insurance and are provided through a membership
program. An evacuation, travel assistance and non-insurance service program may be purchased

individually without travel insurance. By selecting the “Evacuation only, no travel insurance” coverage
option, you will be purchasing a Redpoint Resolutions evacuation, travel assistance and non-insurance
service program membership.

UnivOps Insurance Services LLC is the licensed insurance agent.This summary is only a brief description of the coverage(s) available under policy series PCR_RCH
(01/2018). This summary does not replace or change any part of your policy. The policy will contain
reductions, limitations, exclusions, and termination provisions. Please read the policy carefully to fully
understand the coverages, terms, conditions, limits and exclusions. If there is a conflict between this
summary and the policy, the policy will control. This policy provides insurance coverage that only applies
during a covered trip. You may have coverage from other sources that provides you with similar
benefits. You may wish to compare the terms of this policy with your existing life, health and
homeowners’ policies. Please contact +1 415 481 0600 if you have any questions. Insurance
underwritten by State National Inc., a Texas domiciled corporation (NAIC Company Code: 12831; TX
license number 6026) with its principal place of business at 1900 L Don Dodson Drive, Bedford, TX
76021. Not all plans or coverages are available in every state.
Redpoint Resolutions LLC provides evacuation, travel assistance and non-insurance services. Evacuation,
travel assistance and non-insurance services are not insurance and are provided through a membership
program. An evacuation, travel assistance and non-insurance service program may be purchased
individually without travel insurance. By selecting the “Evacuation only, no travel insurance” coverage
option, you will be purchasing a Redpoint Resolutions evacuation, travel assistance and non-insurance
service program membership.

UnivOps Insurance Services LLC is the licensed insurance agent.This summary is only a brief description of the coverage(s) available under policy series PC_AHR_RCH
(01/2018). This summary does not replace or change any part of your policy. The policy will contain
reductions, limitations, exclusions, and termination provisions. Please read the policy carefully to fully
understand the coverages, terms, conditions, limits and exclusions. If there is a conflict between this
summary and the policy, the policy will control. This policy provides insurance coverage that only applies
during a covered trip. You may have coverage from other sources that provides you with similar
benefits. You may wish to compare the terms of this policy with your existing life, health and
homeowners’ policies. Please contact +1 415 481 0600 if you have any questions. Insurance
underwritten by State National Inc., a Texas domiciled corporation (NAIC Company Code: 12831; TX
license number 6026) with its principal place of business at 1900 L Don Dodson Drive, Bedford, TX
76021. Not all plans or coverages are available in every state.

Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or
knowingly presents false information in an application for insurance is guilty of a crime and may be
subject to fines and confinement in prison.
Redpoint Resolutions LLC provides evacuation, travel assistance and non-insurance services. Evacuation,
travel assistance and non-insurance services are not insurance and are provided through a membership
program. An evacuation, travel assistance and non-insurance service program may be purchased
individually without travel insurance. By selecting the “Evacuation only, no travel insurance” coverage
option, you will be purchasing a Redpoint Resolutions evacuation, travel assistance and non-insurance
service program membership.

UnivOps Insurance Services LLC is the licensed insurance agent.This summary is only a brief description of the coverage(s) available under policy series PC_AHR_RCH
(01/2018). This summary does not replace or change any part of your policy. The policy will contain
reductions, limitations, exclusions, and termination provisions. Please read the policy carefully to fully
understand the coverages, terms, conditions, limits and exclusions. If there is a conflict between this
summary and the policy, the policy will control. This policy provides insurance coverage that only applies
during a covered trip. You may have coverage from other sources that provides you with similar
benefits. You may wish to compare the terms of this policy with your existing life, health and
homeowners’ policies. Please contact +1 415 481 0600 if you have any questions. Insurance
underwritten by State National Inc., a Texas domiciled corporation (NAIC Company Code: 12831; TX
license number 6026) with its principal place of business at 1900 L Don Dodson Drive, Bedford, TX
76021. Not all plans or coverages are available in every state.
Redpoint Resolutions LLC provides evacuation, travel assistance and non-insurance services. Evacuation,
travel assistance and non-insurance services are not insurance and are provided through a membership
program. An evacuation, travel assistance and non-insurance service program may be purchased
individually without travel insurance. By selecting the “Evacuation only, no travel insurance” coverage
option, you will be purchasing a Redpoint Resolutions evacuation, travel assistance and non-insurance
service program membership.

UnivOps Insurance Services LLC is the licensed insurance agent.This summary is only a brief description of the coverage(s) available under policy series PCR_RCH
(01/2018). This summary does not replace or change any part of your policy. The policy will contain
reductions, limitations, exclusions, and termination provisions. Please read the policy carefully to fully
understand the coverages, terms, conditions, limits and exclusions. If there is a conflict between this
summary and the policy, the policy will control. This policy provides insurance coverage that only applies
during a covered trip. You may have coverage from other sources that provides you with similar
benefits. You may wish to compare the terms of this policy with your existing life, health and
homeowners’ policies. Please contact +1 415 481 0600 if you have any questions. Insurance
underwritten by State National Inc., a Texas domiciled corporation (NAIC Company Code: 12831; TX
license number 6026) with its principal place of business at 1900 L Don Dodson Drive, Bedford, TX
76021. Not all plans or coverages are available in every state.
Redpoint Resolutions LLC provides evacuation, travel assistance and non-insurance services. Evacuation,
travel assistance and non-insurance services are not insurance and are provided through a membership
program. An evacuation, travel assistance and non-insurance service program may be purchased
individually without travel insurance. By selecting the “Evacuation only, no travel insurance” coverage
option, you will be purchasing a Redpoint Resolutions evacuation, travel assistance and non-insurance
service program membership.

UnivOps Insurance Services LLC is the licensed insurance agent.This summary is only a brief description of the coverage(s) available under policy series PC_AHR_RCH
(01/2018). This summary does not replace or change any part of your policy. The policy will contain
reductions, limitations, exclusions, and termination provisions. Please read the policy carefully to fully
understand the coverages, terms, conditions, limits and exclusions. If there is a conflict between this
summary and the policy, the policy will control. This policy provides insurance coverage that only applies
during a covered trip. You may have coverage from other sources that provides you with similar
benefits. You may wish to compare the terms of this policy with your existing life, health and
homeowners’ policies. Please contact +1 415 481 0600 if you have any questions. Insurance
underwritten by State National Inc., a Texas domiciled corporation (NAIC Company Code: 12831; TX
license number 6026) with its principal place of business at 1900 L Don Dodson Drive, Bedford, TX
76021. Not all plans or coverages are available in every state.
WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of
defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an
insurer may deny insurance benefits if false information materially related to a claim was provided by
the applicant.
Redpoint Resolutions LLC provides evacuation, travel assistance and non-insurance services. Evacuation,
travel assistance and non-insurance services are not insurance and are provided through a membership
program. An evacuation, travel assistance and non-insurance service program may be purchased
individually without travel insurance. By selecting the “Evacuation only, no travel insurance” coverage
option, you will be purchasing a Redpoint Resolutions evacuation, travel assistance and non-insurance
service program membership.

UnivOps Insurance Services LLC is the licensed insurance agent.This summary is only a brief description of the coverage(s) available under policy series PC_AHR_RCH
(01/2018). This summary does not replace or change any part of your policy. The policy will contain
reductions, limitations, exclusions, and termination provisions. Please read the policy carefully to fully
understand the coverages, terms, conditions, limits and exclusions. If there is a conflict between this
summary and the policy, the policy will control. This policy provides insurance coverage that only applies
during a covered trip. You may have coverage from other sources that provides you with similar
benefits. You may wish to compare the terms of this policy with your existing life, health and
homeowners’ policies. Please contact +1 415 481 0600 if you have any questions. Insurance
underwritten by State National Inc., a Texas domiciled corporation (NAIC Company Code: 12831; TX
license number 6026) with its principal place of business at 1900 L Don Dodson Drive, Bedford, TX
76021. Not all plans or coverages are available in every state.
Redpoint Resolutions LLC provides evacuation, travel assistance and non-insurance services. Evacuation,
travel assistance and non-insurance services are not insurance and are provided through a membership
program. An evacuation, travel assistance and non-insurance service program may be purchased
individually without travel insurance. By selecting the “Evacuation only, no travel insurance” coverage
option, you will be purchasing a Redpoint Resolutions evacuation, travel assistance and non-insurance
service program membership.

UnivOps Insurance Services LLC is the licensed insurance agent.You are purchasing a Ripcord membership program and a separate Harbor Travel Insurance policy. You
do not need to purchase the Ripcord membership program in order to purchase Harbor Travel
Insurance.
This summary is only a brief description of the coverage(s) available under policy series PC_AHR_RCH
(01/2018). This summary does not replace or change any part of your policy. The policy will contain
reductions, limitations, exclusions, and termination provisions. Please read the policy carefully to fully
understand the coverages, terms, conditions, limits and exclusions. If there is a conflict between this
summary and the policy, the policy will control. This policy provides insurance coverage that only applies
during a covered trip. You may have coverage from other sources that provides you with similar
benefits. You may wish to compare the terms of this policy with your existing life, health and
homeowners’ policies. Please contact +1 415 481 0600 if you have any questions. Insurance
underwritten by State National Inc., a Texas domiciled corporation (NAIC Company Code: 12831; TX
license number 6026) with its principal place of business at 1900 L Don Dodson Drive, Bedford, TX
76021. Not all plans or coverages are available in every state.

Redpoint Resolutions LLC provides evacuation, travel assistance and non-insurance services. Evacuation,
travel assistance and non-insurance services are not insurance and are provided through a membership
program. An evacuation, travel assistance and non-insurance service program may be purchased
individually without travel insurance. By selecting the “Evacuation only, no travel insurance” coverage
option, you will be purchasing a Redpoint Resolutions evacuation, travel assistance and non-insurance
service program membership.

UnivOps Insurance Services LLC is the licensed insurance agent.

PRE-EXISTING CONDITIONS EXCLUSION

A pre-existing condition is any accidental injury, sickness or condition, whether physical or mental, for which medical advice, diagnosis, care or treatment was recommended or received within 90 days of the effective date. Sicknesses or conditions are not considered pre-existing if the sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription.Pre-Existing Conditions are excluded by this policy.
Insurance underwritten by State National Inc., a Texas domiciled corporation (NAIC Company Code: 12831; TX license number 6026) with its principal place of business at 1900 L Don Dodson Drive, Bedford, TX 76021. Not all plans or coverages are available in every state.