Gerenal terms -  download pdf  Versão Português

I. INITIAL CONSIDERATIONS

1. PARTIES

1.1. CLIENT

CLIENT is an individual or legal entity who acquires the services of full assistance to the TRAVELER selected by it and referred to in the corresponding voucher.

1.2. TRAVELER

TRAVELER is an individual whose name is referred in the voucher, as beneficiary of the assistance services supplied by the CONTRACTOR/TRAVEL ACE.

1.3. CONTRACTOR

The CONTRACTOR, also called TRAVEL ACE ASSISTANCE, is Asistbras S/A Assistência ao Viajante, Tax ID (CNPJ/MF) 07,139,957/0001-62, with head offices in São Paulo, State of São Paulo, Av. Ipiranga 353, Ground Floor, Postcode 01046-010, which markets the services of Travel Ace Assistance.

2. DEFINITIONS

2.1. ACCIDENT

Event which suddenly changes the prior state of health of a person, or which causes his/her death, produced as consequence of violent, inevitable, unexpected and involuntary impact of a harmful object in motion against such person and/or from such person in motion against the object.

In the case of personal accident insurance, as set forth in section IV hereof, the accident concept is the one as defined by the INSURER, as described in section 32.3.1. below.

2.2. FULL ASSISTANCE TO THE TRAVELER

Services which the CONTRACTOR (TRAVEL ACE) makes available for the TRAVELER strictly during the trip period of time referred to in the voucher, concerning the extension, limits and form ser forth in the TRAVELER ASSISTANCE PRODUCT acquired.

The assistance to the traveler included services, benefits and limits in amounts, pursuant to the PRODUCT contracted, in compliance herewith, particularly those clauses corresponding to the PRODUCT contracted, which are an integral part of the voucher for all purposes.

2.3. GENERAL CONDITIONS

Rules on the rights and obligations of the parties concerning the PRODUCT referred to in the voucher, as selected and acquired by the CLIENT and TRAVELER, to which they adhere with no exceptions. This means that these General Conditions shall be deemed as known and accepted by the CLIENT and TRAVELER upon contracting the product with the selling agent.

2.4. CHRONIC ILLNESS

It is a permanent illness, caused by an irreversible pathological change, which may require from the patient special aid for recovery or long periods of supervision, observation or care.

2.5. CONGENITAL ILLNESS

Illness existing since, or even before the TRAVELER’s birth, with no cause related.

2.6. PREEXISTING ILLNESS (OR DISEASE)

Every disease and their recurrences or returns to the acute phase, existing before either the beginning of the trip and/or purchase of the TRAVEL ACE PRODUCT, even if such conditions are visible only after the acquisition hereof.

2.7. ACUTE DISEASE

A short and relatively process of change in the state of the body or some of its organs, which might either halt or change the balance of vital functions, able to cause pain, weakness or other reaction foreign to its regular behavior.

2.8. RECORRING DISEASE

Return of a disease after the treatment, usually three or more times a year.

2.9. TRAVEL ACE ASSISTANCE PRODUCTS

Modalities of assistance plans to the TRAVELER sold by TRAVEL ACE. TRAVEL ACE PRODUCTS are different, concerning the types of services made available to the TRAVELER and their limits, classified as follows: MAXIMUM (MX), EMBAIXADAS (EM), EUROPE (EU), VALUE (VL), STYLE PLUS (SP), MASTER (M), TURISTA (T), ATLANTIC (AT), NACIONAL (N) and COLLEGE (CO).

The services available and their limits in amounts are described in the voucher, in the “Benefits and Limits” table.

2.10. TRAVEL ACE ASSISTANCE

A provider of assistance services to the TRAVELER, which has a world service center operating 24 hours a day, for three hundred sixty-five (365) days a year.

2.11. TEMPORARY EFFECTIVENESS

PerIod of time, established in days, months or year, duly described in the voucher, during which TRAVEL ACE is to be render the services set forth in the PRODUCT acquired by the CLIENT and the TRAVELER, as referred to in the voucher, and inside the limits contracted. This is also the period of time described in the voucher, where the coverage of the insureance contracted by TRAVEL ACE with the INSURER and for the benefit of the dos INSURED TRAVELERS shall prevail.

2.12. TERRITORY EFFECTIVENESS

Site or sites in which TRAVEL ACE services are to be supplied, different from one PRODUCT to another.

2.13. VOUCHER

Document delivered to the TRAVELER, which formalizes the contracting of the assistance plan and specifies the PRODUCT acquired, and which has his name, age, address, effectiveness, term, date of issue, name of the issuing tourism agency, the services to be rendered, limits in amounts and the contractual conditions governing the plan.

3. ASSISTANCE SERVICES AND THEIR LIMITS IN AMOUNTS

3.1. TRAVEL ACE is a company who renders medical, legal and personal assistance services to the TRAVELER in emergency situations during his trip. It is hereby explained that the services rendered by TRAVEL ACE are neither health insurance nor a prepaid medicine program. Its activities have as sole purpose assistance to the TRAVELER as consequence of events described herein and which prevent his trip from continuing.

3.1.1. These conditions have all the services supplied by the TRAVEL ACE. However, it shall be obligated to supply to the TRAVELER only those actually described in the PRODUCT acquired by it, and as specified in the voucher, in the “Benefits and Limits” table.

3.2. It is hereby explained that the maximum limits of the services described in the voucher, in amounts, ARE NOT CUMULATIVE, rather than DEDUCTIBLE AMONG THEMSELVES. The sum of all of them cannot be in excess of the maximum limit set forth for “Medical assistance in case of accident”. It is also explained that the maximum limits in amounts of each service are reestablished after the use.

3.2.1. Thus, in case any other service is supplied, the maximum limit amount for “Medical assistance in case of accident” shall be reduced at the ratio of the amount defined for the other service provided. The only exception is concerning insurance, where the insured capital is paid by the INSURER.

Example: If the maximum limit set forth for “Medical assistance in case of accident” is US$ 10,000.00 and “Dental assistance” is US$ 1,000.00, and the latter is fully used by the TRAVELER, in case it needs “medical assistance”, the limit shall become US$ 9,000.00. As soon as the TRAVELER uses the maximum limit established for “Medical assistance in case of accident”, he shall not be entitled to the other services described in the voucher.

4. MANDATORY PROCEDURES TO USE AND CANCEL THE PRODUCT ACQUIRED

Without prejudice to the other procedures and deadlines set forth in other clauses hereof, the following procedures to use and cancel the PRODUCT acquired should be adopted.

4.1. USING THE SERVICES – PRIOR CONSENT

The prior consent to be given by the TRAVEL ACE 24-hour Service Center is a condition required to use any service rendered by it, as well as the applicable payment. It should be requested via phone to one of the numbers stated in the voucher (document delivered to the CLIENT upon the product acquisition) or further on the website www.travelace.com.br.

Ship: in case of services in open sea, TRAVEL ACE should be notified at the first port of stop/arrival, no later than twenty-four (24) hours after the arrival.

4.1.1. Data required to advise TRAVEL ACE 24-hour Service Center and obtain the consent

Upon the occurrence described herein and which either hinder or makes difficult the continue the trip normally, AND PROVIDED SUCH OCCURRENCE IS RELATED TO A SERVICE DESCRIBED IN THE PRODUCT CONTRACTED, as referred to in the voucher, the CLIENT or the TRAVELER of the Travel Ace product, when requesting consent to obtain the assistance contracted, should give the following information, WITHOUT PREJUDICE TO THE OTHERS set forth in the clauses related to the services requested:

- last/first names;

- voucher number;

- type of PRODUCT acquired;

- PRODUCT effectiveness;

- site of location, with correct address and phone number;

- reason for the calling.

4.1.2. Notices via phone

Toll Free or Collect Call

All phone communications from either a CLIENT or a TRAVELER to request for any type of assistance shall be paid by TRAVEL ACE, through toll free or collect call systems.

Check on page 01 hereof TRAVEL ACE toll free number. When the city in which the TRAVELER is located does not offer the toll free service, the call should be requested via international operator (collect call system). In case the collect call system is not available either, the TRAVELER may make the call on his account, and in this case he shall be reimbursed by TRAVEL ACE, by producing the corresponding invoice.

In order for the collect call be paid by TRAVEL ACE, the TRAVELER should advise the hotel operator or the telephone company that he wished to make a call with these features.

In case there is no TRAVEL ACE Center in the country where the TRAVELER is located, or is communicating with the closest Center is impossible, he should call the World Center, please check in the voucher (document delivered to the CLIENT upon the product acquisition) or further, on the website www.travelace.com.br, TRAVEL ACE's toll-free number.

4.1.3. Procedures after the service supply

Within thirty (30) business days immediately after the end of the PRODUCT effectiveness, as described in the voucher, and/or after the trip, whichever occurs first, either the CLIENT or the TRAVELER is responsible for contacting TRAVEL ACE 24-hour Service Center to inform the consent granted by Travel Ace, as well as producing the whole documentation related to the service used by the TRAVELER up to its conclusion, especially:

a) production of original bill of sale and, in case of medical assistance, the original bills supplied by such professionals or the medical center, with a clear description of the diagnosis, clinical history, admission form, in case of hospitalization, as issued by the assistance provider, detailed information of the services and original bill of sale from the drugstore, with a description of the medicines purchased, which should be in accordance with the quality and quantity stated in the medical prescription supplied;

b) production of the passport with the stamps of entering / leaving the country, or other documentation which allows for checking the periods of time out of the CLIENT’s usual domicile (for instance: air tickets).

4.1.3.1. When the TRAVELER has delivered the whole applicable documentation to TRAVEL ACE shall provide for the payment of the amount owed to the service provider, or the reimbursement to the TRAVELER within thirty (30) business days, except in case of contractual exclusion or if the TRAVELES is in noncompliance with the agreement. In this case, TRAVEL ACE is supposed to give him a negative answer within the deadline referred to herein.

4.1.3.2. The counting of the deadline referred to in the section above shall be halted in case TRAVEL ACE requests for new documents and/or complementary information, or if the TRAVELER does not supply the full documentation. The counting of the deadline starts being made again as of the date on which the documentation requested is delivered to TRAVEL ACE.

IMPORTANT: Producing the documents out of the deadlines referred to above shall entitle TRAVEL ACE to deny the assistance services to which has been committed.

4.1.4. Impossibility of prior notice – emergency situations

Whenever it is impossible for the TRAVELER to call TRAVEL ACE 24-hour Service Center – in case of emergency circumstances duly proven and justified in writing, and the services described in the voucher are used without the prior consent, TRAVEL ACE shall perform the payment to the service provider or reimburse any expenses only if the deadlines and actions described in sections 4.1.3. and 4.1.5 and following are complied with.

4.1.5. Deadline for notice in case of emergency

In case of emergency, either the CLIENT or the TRAVELER is responsible for contacting the 24-hour Service Center within twenty-four (24) hours after the occurrence. Any third party can take such action in case of a proven hindrance. IMPORTANT: If an unjustified delay to give such notice is harmful to the CONTRACTOR, such as rendering impossible to check the causes which entailed the service supply, it shall be exempt from paying such services.

Ship: in case of emergency services in open sea, TRAVEL ACE should be notified at the first port of stop/arrival, no later than twenty-four (24) hours after the arrival.

4.1.6. Emergency service procedures

Once TRAVEL ACE is contacted as and within the deadlines set forth in sections 4.1.4. and 4.1.5., either the CLIENT or the TRAVELER is responsible for producing the information and the original of the documentation listed below, without prejudice to the request of other ones required, always at TRAVEL ACE’s discretion:

a) report of the emergency occurred and the type of service received by the TRAVELER;

b) evidence of expenses incurred until the moment of the notice, and, in case such treatment has already been completed, the same documents described in section 4.1.3.

IMPORTANT: The compliance with the provisions defined herein is a condition required for the TRAVELER to obtain consent to continue his treatment in accordance with the TRAVEL ACE PRODUCT contracted. The absence of the strict compliance with the requirements referred to above shall entitle TRAVEL ACE to deny the assistance services to which it has committed, as assessed by an audit.

4.2. CANCELLATION/MODIFICATON OF THE PRODUCT ACQUIRED

To request for the cancellation or a modification of the Traveler Assistance PRODUCT contracted, the deadline is forty-eight (48) hours before the beginning of its effectiveness (“temporary effectiveness”), as described in the voucher. The noncompliance with this condition eliminates automatically the right to be reimbursed as for the price paid for the PRODUCT acquired.

Under no circumstance shall be accepted cancellations or modifications performed within the 48 hours before the beginning of the effectiveness, nor cancellations or modifications once the effectiveness of the TRAVEL ACE product has begun.

II. SERVICES SUPPLIED BY TRAVEL ACE

This section has a list of the services supplied by TRAVEL ACE. However, it is indispensable for the TRAVELER to check which of these services are included in the PRODUCT it has acquired and their limits in amounts. Such pieces of information are given in the voucher.

5. MEDICAL ASSISTANCE

5.1. When a disease, wound or accident is verified, which disables TRAVELER from regularly continuing the trip, and for which he/she needs medical assistance, he/she may use the following services:

a) Home Care or attendance at a Doctor’s office: solely to attend urgency situations in case of acute disease or accidents which make impossible the regular progress of the trip, by means of medical teams accredited and authorized by TRAVEL ACE.

b) Attendance by specialist Physicians: only when indicated by TRAVEL ACE’s urgency medical team, and previously authorized by the 24 hours Service Center.

c) Complementary Medical Exams: solely when indicated and authorized by TRAVEL ACE’s medical team and authorized by the 24 hours Service Center.

d) Hospitalizations: solely when TRAVEL ACE’s medical team so indicates, in which case the hospitalization will be done at the more appropriate and closest hospital medical center to TRAVELER, at the 24 hours Service Center’s sole discretion, and with the correspondent authorization by TRAVEL ACE. The hospitalization will only take place during the term of the plan purchased by TRAVELER, provided for in the voucher.

e) Transportation due to Disease or Accident: solely if TRAVEL ACE’s accredited medical team indicates the transportation of TRAVELER to another place with a better infrastructure, TRAVEL ACE will be responsible for organizing and effecting the transportation with the transportation means available in the place, depending on the gravity of the case.

5.1.1. In order to use the services listed in item 5.1. in case of accident, it is essential that the same is an accident in public transportation with an updated valid license (exclusively as a passenger, and not as a crew member), or a land traffic accident as a driver or companion of a private vehicle (whenever he/she does not perform commercial activities with the same) or as a pedestrian.

5.1.2. When the TRAVELER needs hospitalization and does not have a medical discharge granted by TRAVEL ACE’s medical team, and the validity of the plan provided for in the voucher has already expired, TRAVEL ACE will extend, for another five (5) days, exclusively the benefits of hospital hostelry. However, in case the medical assistance has already achieved its maximum limit in amounts provided for in the PRODUCT, TRAVEL ACE will not pay for such expenses (see items 3.2 e 3.2.1. of such conditions).

5.1.3. Medical assistance services provided for in such conditions refer solely to the treatment of sudden diseases of an acute nature, or wounds resulting from accidents, acquired/occurred after the beginning of the PRODUCT’s validity, as provided for in the voucher, or date of beginning of the trip, whichever is the latest, and provided they make impossible the progress of the trip.

5.1.4. Limits of expenses with medical assistance

The total of the expenses for all services detailed in item 5.1. has a fixed limit regarding the case of assistance due to accident, and another due to disease, as provided for in the table of “Benefits and Limits”, contained in the voucher, and this is not a limit determined by event, that is to say, when it is necessary to use the medical assistance services more than once, the total of the amounts spent in ALL of them may not exceed the amount provided for in the voucher.

5.2. MEDICAL ASSISTANCE SERVICES NOT INCLUDED IN THE SERVICES PROVIDED BY TRAVEL ACE

TRAVEL ACE DOES NOT MAKE AVAILABLE THE SERVICES DETAILED IN ITEM 5.1 FOR THE FOLLOWING DISEASES OR WOUNDS RESULTING FROM:

a) Benign diseases or superficial wounds which make impossible the regular progress of the trip;

b) Preexistent diseases or wounds, their aggravation or problems former to the voucher’s issue, as well as chronic, congenital and/or recurrent diseases, known or not by the CONTRACTING PARTY or TRAVELER, as well as the results of the above mentioned affections, when the voucher does not provide for in the contrary;

c) Diseases or wounds resulting from intentional actions, both of self-inflicted injuries and of incitation to third parties to hurt the TRAVELER;

d) Diseases or wounds resulting from attempt to commit suicide or from the death resulting from suicide;

e) Any condition resulting from the use of illegal drugs of whatever nature, the consumption of alcohol, or its combination with barbiturics and/or psychodrugs, as well as self medication without a valid medical prescription;

f) Diseases or wounds resulting from treatments or attendances provided by professionals not pertaining to TRAVEL ACE’s medical team, or without TRAVEL ACE’s authorization;

g) Wounds resulting from the practice of competitive sports and dangerous sports, such as alpinism, ski, snowboard and any other winter sports outside regular circuits, water ski, motorcycling, jet-ski, boxing, polo, horse riding, motor cars racing, surf, navigation in speed courses (rafts, floats, others), diving, hangglider bungee jumping, flights in parachutes or similar paragliding and all athletic exercise or competition of acrobatics, or which has as purpose competitions of an exceptional nature, participation in trips or excursions to unexplored zones, all attendance performed during courses, habilitation of training for the development of sports considered risky. Extreme sports;

h) Wounds resulting from accidents in air trips in aircrafts not intended for and unauthorized to fly as public transportation;

i) Diseases or wounds resulting from the direct or indirect participation of TRAVELER in mass acts which imply in changes in the public order for whatever reason; civil or international war, whether declared or not; rebellion, sedition, mutiny, popular tumult, vandalism, guerilla warfare or terrorism, whether in an individual or general condition, whichever may be its exteriorization: physical, chemical or biological, mobilizations of political or community nature, strikes, lockout, seizures;

j) Diseases or wounds resulting from fortuitous climatic events, such as earthquakes, floods, avalanches, hurricanes and other atmospheric events, or resulting from facts of force majeure;

k) Conditions of pregnancy, miscarriage, labor of whatever etiology and their controls, exams and all kind of practices inherent to the condition of pregnancy;

l) All implantation, reposition and/or repair of prosthesis of any kind, even if TRAVEL ACE pays for a medical or dental assistance, in all its faces. Any services and/or substitution of contact lenses, glasses, hearing aid devices (including substitution of batteries), orthopedics, orthosis, podology, alternative medicines, and any form of rehabilitation, acupuncture, thermal therapies, plastic, esthetic or reparatory surgeries are also excluded;

m) Acts or consequences deriving from mental illnesses of whatever kind and emotional and psychological disturbances or disorders of whatever nature, whichever the case may be, transitory or not;

n) Diseases caused by acquired immunodeficiency syndrome (AIDS/HIV/SERUM-POSITIVE) and all its derivations;

o) All kinds of endemic, epidemic and/or pandemic diseases;

p) Diseases or wounds resulting from imprudence, negligence, ineptitude or irresponsible acts in the driving of whatever kind of vehicles, contrary to traffic rules and/or international safety, driven by TRAVELER or third parties;

q) Arterial hypertension and diabetes mellitus and all their consequences and derivations, as well as arterial pressure and diabetes mellitus controls;

r) Control medical attendances, check-ups, exams of an investigative nature, pre-scholar/university medical exams, vaccines, disposables, all nursing practices (follow-ups, administration of injections, nebulizations, draining and glucose controls);

s) In cases of hospitalization are excluded all extraordinary expenses, as well as those of companions, such as hotel expenses, telephone calls from the hotel, restaurants, cabs, tips;

t) All kind of accident, wound, complication or sequel which may arise during the performance of professional tasks that the TRAVELER has been performing, and which are considered as Labor Accidents in TRAVELER’s country of origin.

5.2.1. TRAVEL ACE takes no responsibility for any damage, loss, wound or disease due to the fact it appointed to TRAVELER people or professionals for medical, dental, pharmaceutical or legal assistance. In such cases, the person or people appointed by TRAVEL ACE will personally be liable for any damages or losses resulting from the performance of their respective professions or specialties.

5.2.2. Expenses in excess of the purchased PRODUCT’s limits, if any, shall be paid by the CONTRACTING PARTY or TRAVELER directly to the service providers.

5.3. Disclose of clinical history

TRAVELER already authorizes TRAVEL ACE to request, on his/her behalf, for any medical information from professionals, both in Brazil and abroad, as well as for copies of exams, reports, etc., in order to evaluate if the services requested by TRAVELER are included in those provided for in these general conditions.

5.4. Information to the passenger who use hospital medical service

TRAVEL ACE clarifies to the TRAVELER that needs medical service, in First Aid Station ("Emergency Room") or hospital, that it is common that, when returning to his/her country of origin or of residence, the TRAVELER starts to receive notice of expenses for expenditures of emergency service, such as X-ray, specialized studies etc. The administrative routine, sending of invoices to TRAVEL ACE, can last up to hundred and eighty (180) days. For the hospital to send the medical information and invoices of the hospital expenditures, the TRAVELER has to sign the due authorization. However, if the CONTRACTING PARTY or the TRAVELER receives any notice before TRAVEL ACE does, he/she shall send it to the local representation office thereof, so that the payment process, if due, is concluded with the largest possible brevity.

6. MEDICAL EXPENSES WITH PREEXISTENT DISEASES

When expressly provided for in the voucher, TRAVELER may use medical assistance services provided for in item 5.1, and the service of expenses with drugs provided for in item 7 below, in cases of preexistent diseases, respecting the limits in amounts provided for in the voucher, and also observing the remarks of item 7.1 below.

In this item the exclusions of the item 5.2 related to pre-existent diseases are not applied.

THE “MEDICAL EXPENSES WITH PREEXISTENT DISEASES” SERVICE IS NOT PROVIDED BY SOME PRODUCTS OF TRAVEL ACE. VERIFY IN YOUR VOUCHER IF IT IS THE CASE OF THE PRODUCT YOU PURCHASED.

7. EXPENSES WITH DRUGS IN CASE OF HOSPITALIZATION AND IN AMBULATORY

TRAVEL ACE will pay for the costs of emergency drugs prescribed for TRAVELER’s disease or wound, PROVIDED THEY ARE PRESCRIBED DUE TO THE USE OF THE MEDICAL ASSISTANCE SERVICE PROVIDED FOR IN ITEM 5.1, both in case of hospitalization and attendance in an ambulatory, up to maximum limit per trip, which will depend on the product purchased, as provided for in the voucher, in the table of “Benefits and Limits”.

7.1. IMPORTANT:

TRAVEL ACE’s PRODUCT shall be used in emergency and serious situations which arise during a trip and which impede its regular development, and not for the continuity and/or maintenance of treatments, THAT IS TO SAY, DRUGS OF CONTINUOUS USE WILL NOT BE REIMBURSED BY TRAVEL ACE, IN ANY CASE.

Ex.: if a TRAVELER has Diabetes, he/she shall travel with the drugs indicated for this disease. If he/she does not, expenses resulting from their purchase will not be paid by TRAVEL ACE, not even under the “medical expenses with preexistent diseases” service.

THE “EXPENSES WITH DRUGS IN CASE OF HOSPITALIZATION” SERVICE IS NOT PROVIDED BY SOME PRODUCTS OF TRAVEL ACE. VERIFY IN YOUR VOUCHER IF IT IS THE CASE OF THE PRODUCT YOU PURCHASED.

8. URGENT DENTAL ASSISTANCE

In view of the sudden beginning of an acute pain, infection or trauma, TRAVEL ACE will make available the dental assistance, up to the maximum limit fixed for this item in the voucher. The dental attendance will be limited only to the treatment of the pain and/or to extraction of a tooth, observed the remark below.

The use of this service shall be notified and be previously authorized by TRAVEL ACE.

8.1. REMARK to the dental assistance service

Prosthesis of any kind, as well as endodontics treatments (ex.: treatment of root channel) and orthodontics (ex.: dental correction braces) ARE NOT INCLUDED in the dental assistance services.

9. REPATRIATION DUE TO DEATH

9.1. In case of death of the TRAVELER during the term of the product, TRAVEL ACE will arrange for his/her repatriation, except in case of suicide or when the death results from any of the cases described in item 5.2. In addition to these indications, TRAVEL ACE will be liable for the expenses with a provisory coffin and expenses with the funeral house, necessary for the transportation and repatriation of TRAVELER’s remains to the airport, in the country of origin, and TRAVEL ACE will choose, at its sole discretion, the transportation mean to be used therefor.

9.2. In view of the expenses and expenditures with the repatriation of TRAVELER’s remains, TRAVEL ACE will be entitled to the devolution of the air return transportation not used by TRAVELER, and his/her relatives or heirs shall deliver the ticket to the same, so that the necessary steps are taken for the devolution to be effected in its favor.

9.3. Expenses with the definitive coffin, funerary procedures and transportation within the TRAVELER’s country of regular residence are not included in TRAVEL ACE’s services, and are the sole responsibility of the deceased’s relatives.

9.4. When there is the intervention of funeral houses or third parties, without TRAVEL ACE’s previous authorization, it will be exempt from any and all responsibility for the transportation of TRAVELER’s remains.

9.5. TRAVEL ACE will not be liable for any procedure to search for the TRAVELER’s body, performance of tests, as well as legal and bureaucratic requirements in case he/she vanished in an accident of whatever nature, which implies in a “presumed death”.

THE “REPATRIATION DUE TO DEATH” SERVICE IS NOT PROVIDED BY SOME PRODUCTS OF TRAVEL ACE, AND IN THE “NATIONAL” PRODUCT, IT IS EXCLUSIVE FOR FOREIGNERS NOT RESIDING IN BRAZIL, BUT WHO ARE TRAVELLING WITHIN THE NATIONAL TERRITORY. VERIFY IN YOUR VOUCHER IF IT IS THE CASE OF THE PRODUCT YOU PURCHASED.

10. SANITARY REPATRIATION

TRAVEL ACE will, in all aspects, provide for the sanitary repatriation of TRAVELER until his/her country of residence, provided there is the due indication of TRAVEL ACE’s medical team, when and whenever the TRAVELER’s condition allows his/her transportation and does not imply in a major risk to the pathology itself, TRAVEL ACE will decide on and choose the transportation mean that is more convenient and appropriate for the circumstances.

10.1. EXCEPTIONS proper to the sanitary repatriation service

Sanitary repatriations shall not be performed when there are material and human means to treat such sickness in the site where the TRAVELER is located.

The repatriation of the TRAVELER up to his country of residence shall be made on a regular airline plane. The TRAVEL ACE center notified should expressly authorize and coordinate this. TRAVEL ACE shall not be liable in case the holder and/or his family decide to make a sanitary repatriation in noncompliance with the recommendations and opinions from the TRAVEL ACE medical department. In this case, the repatriation, its cost and consequences shall be on account of the TRAVELER and/or his family only.

THE “SANITARY REPATRIATION” SERVICE IS NOT SUPPLIED IN SOME TRAVEL ACE PRODUCTS. PLEASE CHECK IN YOUR VOUCHER IF THE PRODUCT YOU HAVE ACQUIRED IS INCLUDED IN THIS CASE

11. REPATRIATION OF MINORS

If the TRAVELER is traveling accompanied by a minor under 16 years old, if such minor is also a beneficiary of one of the TRAVEL ACE PRODCUTS, and if the TRAVELER is hindered from taking care of the miner due to sickness or accident occurred during the trip, TRAVEL ACE shall provide for the repatriation of such minor up to his permanent place of residence. Such service shall be rendered only when the period of time foreseen for the TRAVELER of age to be hospitalized is longer than five (05) days.

THE “REPATRIATION OF MINORS” SERVICE IS NOT SUPPLIED IN SOME TRAVEL ACE PRODUCTS. PLEASE CHECK IN YOUR VOUCHER IF THE PRODUCT YOU HAVE ACQUIRED IS INCLUDED IN THIS CASE.

12. ROUNDTRIP AIR TICKET FOR FAMILY MEMBERS

12.1. TRAVEL ACE shall provide a TRAVELER’s direct relative with a roundtrip coach ticket, subject to availability of seats, up to the TRAVELER’s place of hospitalization, so that his relative can assist him and help him at the place of hospitalization and return with him to the country of residence.

12.2. IMPORTANT: TRAVEL ACE shall supply this service only when the TRAVELER is alone in a foreign country, and his hospitalization is foreseen to last for more than 10 days. When the TRAVELER is accompanied by a friend or any other person who has a personal relationship with him, the provisions in the sections shall not apply.

This benefit shall be granted only when the entire period of hospitalization of the TRAVELER is included within the “temporary effectiveness” described in the “voucher”, plus 07 complementary days.

THE “ROUNDTRIP TICKET FOR FAMILY MEMBERS” SERVICE IS NOT SUPPLIED IN SOME TRAVEL ACE PRODUCTS. PLEASE CHECK IN YOUR VOUCHER IF THE PRODUCT YOU HAVE ACQUIRED IS INCLUDED IN THIS CASE.

13. HOTEL EXPENSES DUE TO CONVALESCENCE OR FOR COMPANIONS

TRAVEL ACE shall be in charge of expenses made by convalescent TRAVELERS as for stays in hotels, with no additional expenses included (meals, transportation, telephone, flowers, etc.), until the amounts set forth in the “Benefits and Limits” table, when the TRAVELER is hospitalized for at least 05 days, and the TRAVEL ACE medical team, when discharging him, recommends mandatory rest for convalescence, pursuant to an order in writing given by such professional and/or institution, together with a (letterhead, stamped, etc.) letter from the issuer.

Likewise, TRAVEL ACE shall bear hotel daily expenses made by the TRAVELER companion, no additional expenses included, due to wound or disease, and provided this has been defined by TRAVEL ACE medical team, the TRAVELER needs to extend his convalescence stay, in compliance with the “Benefits and Limits” table, as described in the voucher.

THE “HOTEL EXPENSES FOR TRAVELER’S COMPANION OR CONVALESCENCE” SERVICE IS NOT SUPPLIED IN SOME TRAVEL ACE PRODUCTS. PLEASE CHECK IN YOUR VOUCHER IF THE PRODUCT YOU HAVE ACQUIRED IS INCLUDED IN THIS CASE.

14. TRANSPORTATION DUE TO ILLNESS OR ACCIDENT

In cases of illness or accident, TRAVEL ACE shall organize the transportation of the TRAVELER to another medical center with better infrastructure, if so required, through the means of transportation available on the site, depending on the case seriousness, in accordance with the territory boundaries of the country in which such event has occurred. As applicable, a physician or a nurse should follow up the wounded or the ill, when so required. Such transportation must be previously authorized by the medical team of the TRAVEL ACE 24-hour Service Center, and it shall be supplied within the limits established in the voucher and provided such disease or accident is not excluded from the services supplied by TRAVEL ACE (see section 5.2.).

In order to decide the origin and/or urgency of transportation, the means of transportation and the place of hospitalization, only requirements of a medical nature shall be considered, as reviewed by the medical team accredited by TRAVEL ACE. TRAVEL ACE shall not be liable in case the TRAVELER and/or his family decide to make the transportation in noncompliance with the recommendations and opinions from the TRAVEL ACE medical team. In this case, the transportation, its cost and consequences shall be on account of the TRAVELER and/or his family only.

THE “TRANSPORTATION DUE TO ILLNESS OR ACCIDENT” SERVICE IS NOT SUPPLIED IN SOME TRAVEL ACE PRODUCTS. PLEASE CHECK IN YOUR VOUCHER IF THE PRODUCT YOU HAVE ACQUIRED IS INCLUDED IN THIS CASE.

15. ASSISTANCE IN LUGGAGE LOCATION

Once the TRAVELER’s luggage missing is confirmed, TRAVEL ACE shall make every effort and use all means available together with the airline, for the purpose of explaining, as soon as possible, the destination and/or location of the luggage lost by regular airlines. The luggage should have a TRAVEL ACE sticker identification on it, delivered together with the voucher.

For such, before leaving the airport, the TRAVELER should inform such fact to the TRAVEL ACE 24-hour Service Center in the area immediately, as well as his first and last names, the voucher number, the PRODUCT effectiveness, the type of PRODUCT, the flight number and the airline used, any connections, detailed features of the luggage, temporary (local) and permanent address, next route, with addresses and phone numbers. Once the luggage is found, TRAVEL ACE shall advise either the CLIENT or the TRAVELER as soon as possible.

15.1. IMPORTANT: TRAVEL ACE is not liable for the compensation of lost and not found luggage. Some TRAVEL ACE products have provision for compensation in case of missing luggage. Such compensation is made by the insurer.

PLEASE CHECK IN YOUR VOUCHER IF THE PRODUCT YOU HAVE ACQUIRED INCLUDES SUCH COMPENSATION IN CASE OF MISSING OR LUGGAGE DELAY, AS WELL AS THE RESPONSIBILITY HELD BY THE INSURER.

16. EXPENSES FOR FLIGHT DELAY OR CANCELLATION

TRAVEL ACE will reimburse the TRAVELER, up the maximum limit established in the table of "Benefits and Limits" constant in the "voucher", (and within the limit of medical aid benefits in case of accident or illness) the expenses with meals, soft drinks, lodging and communication, accomplished during delay or cancellation of the regular flight of the Airline Company - in the passage of the trip of return to his/her residence country, for more than six (6) hours, always and when there is no other alternative of available transportation.

To have right to the benefit of Reimbursement, the TRAVELER shall present within thirty (30) days after the end of the validity of the voucher the original receipts of the expenses accomplished (invoices of expenditures with description of the items) and a document of the airline company that certifies the delay or cancellation, as well as the fact of not having had other transport alternative for a period of six (6) hours or more.

The execution of this benefit is excepted when the cancellation of the flight is imputable to any of the exclusions detailed in these General Conditions.

THE SERVICE OF "EXPENSES FOR FLIGHT DELAY OR CANCELLATION" IS NOT RENDERED IN SOME OF TRAVEL ACE PRODUCTS. VERIFY IN YOUR VOUCHER IF IT IS THE CASE OF THE PRODUCT YOU HAVE ACQUIRED.

17. TRANSMISSION OF URGENT MESSAGE

The TRAVEL ACE 24-hour Service Center makes its communication structure available to the TRAVELER, in case of emergency resulting from either illness or accident with the TRAVELER, provided such fact is duly justified for communication purposes. To the extent of its means, TRAVEL ACE shall convey such messages to the person appointed as addressee in cases of emergency or, in case there is no such person, the travel agent in charge. When the parties interested in the message transmission are the TRAVELER’s own relatives, TRAVEL ACE shall provide the service – to the extent of its means – whenever the relatives and/or the travel agent supply the phone numbers and/or the addresses of the CLIENT or the TRAVELER. When the message is not conveyed through TRAVEL ACE and it is performed on the account of the CLIENT, the TRAVELER, or family members, the expenses incurred shall not be reimbursed.

THE “TRANSMISSION OF URGENT MESSAGE” SERVICE IS NOT SUPPLIED IN SOME TRAVEL ACE PRODUCTS. PLEASE CHECK IN YOUR VOUCHER IF THE PRODUCT YOU HAVE ACQUIRED IS INCLUDED IN THIS CASE

18. LEGAL ASSISTANCE

18.1. TRAVEL ACE makes available to the TRAVELER legal assistance to be supplied by a lawyer in charge of his defense, in case he is made criminally liable in a car accident, and only in this case.

18.1.1. In this case, expenses with lawyers’ fees and legal costs shall be taken by TRAVEL ACE, within the limits defined in the “Benefits and Limits” tables, as described in the voucher.

18.2. Further, when the TRAVELER requests legal assistance in other types of occurrences or cases, other than those set forth in section 18.1, TRAVEL ACE may appoint a professional qualified for such. In this case, expenses on fees and others shall be solely on the account of the CLIENT and/or TRAVELER.

THE “LEGAL ASSISTANCE” SERVICE IS NOT SUPPLIED IN SOME TRAVEL ACE PRODUCTS. PLEASE CHECK IN YOUR VOUCHER IF THE PRODUCT YOU HAVE ACQUIRED IS INCLUDED IN THIS CASE.

AS FOR THE “DOMESTIC” PRODUCT, LEGAL ASSISTANCE IS SOLELY FOR BRAZILIANS TRAVELING INSIDE BRAZIL.

19. ADVANCES IN CASE OF BAIL

In case the TRAVELER is arrested and made criminally liable for a car accident, TRAVEL ACE may grant, up to the limits defined in this section, in accordance the “Benefits and Limits” table described in the voucher, a financial advance, as loan, in order to pay for a bail required to release him. It must be repeated that it is supposed to be used in case of car accident only. TRAVEL ACE may request for a collateral, in case its legal department so decides, and the advance should be reimbursed strictly within thirty (30) calendar days after the loan has been granted, duly added with interest of 1% per month, adjustment for inflation based on the IGPM/FGV index. After the deadline set forth herein, a 10% fine shall be charged on the due amount.

THE “ADVANCES IN CASE OF BAIL” SERVICE IS NOT SUPPLIED IN SOME TRAVEL ACE PRODUCTS. PLEASE CHECK IN YOUR VOUCHER IF THE PRODUCT YOU HAVE ACQUIRED IS INCLUDED IN THIS CASE

20. RETURN TRIP

20.1. TRAVEL ACE shall pay the difference of the TRAVELER’s air ticket tariff, whenever such Traveler has to come back to his/her country of origin prior to or after the date scheduled on the ticket, as a result of the following reasons:

a) in case of sudden death of a direct next of kin;

b) whenever, by reason of disease of accident, the TRAVELER needs to be hospitalized and is not medically released, such release to be exclusively provided by TRAVEL ACE’s medical team, thus being hindered from returning on the maximum date mentioned in the ticket.

20.2. This liability is exclusively related to the payment of the difference between the face amount of the ticket issued with reduced tariff and the amount of the current tariff in force for the economy class.

20.3. The previous verification of the facts by TRAVEL ACE shall constitute the main and absolute condition for the payment of the tariff difference, if any.

20.4. IMPORTANT: As for letter “b” of item 20.1, the services shall only be provided by TRAVEL ACE if the TRAVELER has been assisted by TRAVEL ACE and the pathology is not one of those excluded pathologies mentioned in item 5.2.

The payment of the return trip by the TRAVELER or any third parties shall not be subject to reimbursement by Travel Ace.

THE “RETURN TRIP” SERVICE IS NOT SUPPLIED IN SOME TRAVEL ACE PRODUCTS. PLEASE CHECK IN YOUR VOUCHER IF THE PRODUCT YOU HAVE ACQUIRED IS INCLUDED IN THIS CASE

21. SUBSTITUTION OF EXECUTIVES

21.1. Should the TRAVELER be abroad in a business trip, and he/she may die or be hospitalized upon TRAVEL ACE’s authorization, as a result of a disease or injury that hinders him/her from continuing his/her trip, TRAVEL LACE shall be in charge of the fare for the individual appointed by the CONTRACTING PARTY or the TRAVELER to replace the hospitalized or diseased individual, within the same class where he/she traveled, subject to the air lines´ availability.

21.2. IMPORTANT: The substitute TRAVELER shall not be a beneficiary under no circumstance whatsoever of the TRAVEL ACE PRODUCT purchased by the replaced executive.

THE “EXECUTIVE SUBSTITUTION” SERVICE IS NOT PROVIDED IN SOME TRAVEL ACE´S PRODUCTS. PLEASE CHECK IN YOUR VOUCHER IF THIS IS THE CASE OF THE PRODUCT YOU PURCHASED.

22. DIRECTIONS IN CASE OF LOSS OF DOCUMENT OR CREDIT CARD

22.1. In case of loss or theft of essential documents inherent to the trip, such as passport, transport tickets, tourist service vouchers, credit cards, etc., TRAVEL ACE shall provide the instructions to solve the situation. TRAVEL ACE hereby binds itself to solely direct and assist the TRAVELER as regards any actions to be taken, always in compliance with the applicable rules to replace any documents, if any, without being liable for the withdrawal of new documents and any losses or damages that may be borne by the TRAVELER as a result of such loss, robbery or theft of the latter’s documents.

22.2. TRAVEL ACE shall not be liable for any costs or expenses in connection with the replacement of any stolen or lost personal documents, air tickets or credit cards.

THE SERVICE OF “INSTRUCTIONS IN CASE OF LOSS OF DOCUMENTS OR CREDIT CARD” IS NOT PROVIDED IN SOME TRAVEL ACE´S PRODUCTS. PLEASE CHECK IN YOUR VOUCHER IF THIS IS THE CASE OF THE PRODUCT YOU PURCHASED.

III. GENERAL PROVISIONS

23. TERRITORY VALIDITY

23.1. International

The TRAVEL ACE PRODUCT shall not be valid for any purpose whatsoever within the country of usual domicile of the TRAVELER or the issuance of the voucher, except for the DOMESTIC PRODUCT set forth in item 23.2.

In those countries where TRAVEL ACE does not have an accredited network to provide the services established under these conditions, any expenses incurred with any services provided shall be repaid as per item 26, only if they are compliant with the terms of these general conditions.

The EMBASSIES and EUROPE products comply with the requirements of the Schengen treaty, and are valid within the countries of the European continent. Outside such countries, the EMBASSIES product is in force with the limits and benefits of the VALUE product, and the EUROPE product is in force with the limits and benefits of the MASTER product.

THE “EUROPE” PRODUCT IS EXCLUSIVE FOR TRIPS TO THE EUROPEAN COUNTRIES.

THE “EMBASSIES” PRODUCT CAN BE USED IN TRAVELS ANYWHERE IN THE WORLD, PROVIDED ONE OF THE DESTINATIONS IS A EUROPEAN COUNTRY.

THE “ATLANTIC” PRODUCT IS EXCLUSIVE FOR SOUTH AMERICAN CRUISES.

23.2. Domestic

Whenever the TRAVELER purchases the so-called DOMESTIC product, the services established in these conditions shall be provided within the Brazilian territory, provided the distance is 100 km away from the TRAVELER´s usual domicile. The DOMESTIC product is still valid for any foreigners in leisure trips to Brazil. In such case, such foreigner shall only be entitled to the services provided by TRAVEL ACE if the product is purchased within less than twenty-four (24) hours counted from his/her arrival at the Brazilian territory.

24. TEMPORARY VALIDITY

TRAVEL ACE´s services shall be provided during the validity term mentioned in the TRAVELER´s voucher. Such term shall start as of midnight of the date mentioned as the start of the validity term mentioned in the voucher and shall be extended for the days set forth in said document.

The expiration of the validity of TRAVEL ACE´s services shall imply the automatic cessation of all services included in these Conditions, including any started or ongoing assistance services upon the validity expiration time, except for the case of hospitalization, as provided for in item 5.1.2.

25. TRIP EXTENDED

Should the TRAVELER extend his/her trip, a new assistance PRODUCT can be purchased by him/her or the CONTRACTING PARTY on his/her behalf, in compliance with the following conditions.

25.1. New product request term

The CONTRACTING PARTY or the TRAVELER shall contact the issuing agent of the previous PRODUCT within 48 hours prior to the expiration date of the PRODUCT in force. In such case, a new voucher will be issued, to be paid according to the price list in force upon such renewal and published in a promotional brochure.

25.2. Start of effectiveness and expiration term of the new product

The new PRODUCT effectiveness start shall occur immediately after the expiration date of the previous PRODUCT.

The new PRODUCT shall have up to 30-day validity term, not being possible new extension.

ANNUAL PRODUCTS ARE NOT SUBJECT TO EXTENSION THEREOF.

25.3. Specific remarks in connection with requirement of new product

TRAVEL ACE´s products must not, in any way whatsoever, be used as an extension and/or enlargement of any services that have been or are being used to handle similar situations during the validity term of any other TRAVEL ACE´s product that has been previously purchased. Whenever the TRAVELER has already used in his/her trip any of TRAVEL ACE´s services, the PRODUCT extension shall not be allowed, nor shall be allowed the purchase of a new TRAVEL ACE PRODUCT with a view to extend the services.

26. REPAYMENT

All and any repayment to the TRAVELER as provided for in these conditions shall always be made on an EXCEPTIONAL basis, namely, only whenever it is not possible for TRAVEL ACE to make the payment directly to the service providers abroad, whether the services have been provided outside its accredited network, or due to a delayed notice by the TRAVELER, or whenever the Traveler makes an advance payment on his/her own.

Whenever it is not possible for TRAVEL ACE to make the payment directly to the service providers, or whenever, due to some circumstances, the TRAVELER cannot get previous instructions and authorization by TRAVEL ACE, any repayment orders shall be reviewed by TRAVEL ACE´s team, whereupon the original documents in connection with the case shall be required, as set forth when the order was made.

The term either to approve or not a repayment request is thirty (30) business days counted from the submittal before TRAVEL ACE of all the required original documents requested by Travel Ace.

TRAVEL ACE shall make the repayment for any medical expenses incurred in an emergency situation, whenever previously authorized by its medical department, and whenever they are not in excess of the practiced rates and prices in force in the country and/or the place where such expenses have been made. Such expenses shall be repaid by TRAVEL ACE upon submittal of the irrefutable slips and up to the limit set forth in its voucher, corresponding to the TRAVEL ACE PRODUCT purchased.

27. GROUP TRIP

In case of trip with several participants (school and/or university student group, institution passengers, congress applicants and other group trips), and if during such trip one or more assistance event occurs, each such event shall be notified to TRAVEL ACE´s 24-hour Service Center.

So that TRAVEL ACE can make the payment for the assistance or for any expenses with authorized medicines, the slips of each assisted passenger shall be submitted, including mandatorily the name and number of the voucher written down on the medical prescription form provided by the assisting professional and on the drugstores´ bills of sale. A full list of the group participants who asked for assistance shall be attached thereto. TRAVEL ACE can reject such request in case all the above requirements are not complied with.

28. AGE LIMITATIONS

The “MAXIMUM”, “VALUE”, “MASTER” and “DOMESTIC” products have age limitations of up to seventy (70) years to be purchased by the TRAVELER, while the “STYLE PLUS” product is used for over seventy (70) years old TRAVELERS. The “COLLEGE” product is limited to fifty-five (55) years to be purchased by the TRAVELER. The other products have no age limitation when being purchased by the TRAVELER.

29. RIGHTS AND ACTIONS SUBROGATION

Up to the total value of the amounts paid to comply with the obligations resulting from these General Conditions, TRAVEL ACE shall be automatically subrogated in any rights and actions in connection with the TRAVELER and his/her heirs against any third parties, whether individuals or legal entities, such subrogation of rights and actions implying that they are exercised before the following individuals, without detriment to others:

• any third parties liable for an accident;

• transportation companies, in connection with repayment in whole or in part of any non-used fares, whenever TRAVEL ACE has undertaken the transfer of the TRAVELER or his/her mortal remains. Consequently, the TRAVELER, whenever possible, shall provide all assistance he/she may be required as a result of the subrogation agreed upon herein and, in case of his/her death, said obligation shall be extended to his/her heirs.

For that purpose, the TRAVELER irrevocably assigns on behalf of TRAVEL ACE the rights and actions set forth in this clause, undertaking to perform the legal acts for that purposes and which may be required to provide all and any assistance required for the compliance with these provisions.

30. GENERAL PROVISIONS

30.1. This agreement is an adhesion contract. Any purchase of the product and the use thereof shall imply that the CONTRACTING PARTY and the TRAVELER accept it in all its terms.

30.2. The selling agents of TRAVEL ACE´s PRODUCTS (Travel Agents, Operators, Companies, Commercial Representatives, Transportation Companies and every selling or issuing agent) do not take part in writing the agreement established in these General Conditions, and consequently they are released from any liability deriving thereof.

However, as regards the contracted PRODUCT, the Selling Agents shall be liable for the accurate information by the CONTRACTING PARTY and the TRAVELER as regards their characteristics and fit in the proper PRODUCT and the proper filling out of the pertinent voucher.

30.3. TRAVEL ACE´s voucher shall expire and be void whenever, by virtue of error or ignorance, it is issued for the benefit of any individuals who have already started their trips. TRAVEL ACE´s benefit limits are not complementary as regards other products with same characteristics; accordingly, the TRAVELER cannot request any assistance services concurrently with other plans with benefits of the same nature as that of TRAVEL ACE´s PRODUCT. Once this is verified, TRAVEL ACE can reject to provide any service with no liability whatsoever in this sense.

30.4. Whenever requested by TRAVEL ACE´s medical team, the TRAVELER or his/her relatives shall authorize, by whichever means deemed necessary, the disclosure of his/her medical history, diagnosis, prognosis and treatment by the acting professionals, and gather the documents that will allow for establishing the case origin, and any medical information, including those prior to the trip, with written authorization to disclose every information deemed necessary for TRAVEL ACE to provide its services.

30.5. Since this is a product exclusively intended for emergency situations, the TRAVELER, when calling TRAVEL ACE, accepts the service provider that may be appointed to him/her, whether on a private or state level, according to the medical conditions provided by the place of the event, and he/she hereby agrees with the local assistance rules. The services shall be provided according to the local infrastructure, regulations and practices / place of the event, location and time, nature and emergency of the required assistance, as well as the TRAVELER´s own personal convenience.

30.6. Should TRAVEL ACE not have any professionals available to assist at the place and time of the event, it can authorize the required services to be provided by medical teams that do not belong to its network, in order to make it easy and expedite the assistance and, further, make the payment directly to such service provider, in compliance with the provisions set forth in these general conditions.

31. VENUE

The competent court to settle any controversies arising herefrom is the court of the district court of the city of São Paulo, State of São Paulo, Brazil.

IV. INSURANCE CONTRACTED BY TRAVEL ACE

32. PERSONAL INJURY INSURANCE

NOT ALL TRAVEL ACE´s PRODUCTS HAVE THE “PERSONAL INJURY INSURANCE”. PLEASE CHECK IN YOUR VOUCHER IF THIS IS THE CASE OF THE PRODUCT YOU PURCHASED.

IN THE “DOMESTIC” PRODUCT, THE INSURANCE IS ONLY VALID FOR BRAZILIANS TRAVELING WITHIN THE BRAZILIAN TERRITORY.

32.1. TRAVEL ACE has contracted with the INSURER authorized to operate within the Brazilian market place, a personal injury group insurance policy on behalf of its clients (INSURED TRAVELERS), appearing as the stipulator thereof.

32.1.1. The “PERSONAL ACCIDENTS” insurance is guaranteed by Zurich Brasil Seguros S/A, and is subject to the general conditions of the insurance company, the text and policy of which are available to the insured at the TRAVEL ACE office and the website www.travelace.com.br.

32.2. In the capacity of insurance stipulator, TRAVEL ACE operates, under the Brazilian laws, as a representative of the insureds (TRAVELERS), being incumbent, whenever so requested, upon receiving any notices and warnings, and provide both parties, the insured and the insurer, with all and any information it may be requested.

32.3. INSURANCE DEFINITIONS

32.3.1. ACCIDENT - event with a defined date, exclusively and directly external, sudden, involuntary and violent, which causes physical wound per se, which, regardless of any and all other causes, has death or permanent disability of the insured as direct consequence, or which renders medical treatment required.

The concept of personal accident includes:

a) suicide, or its attempt (in case two (2) years of personal effectiveness have elapsed). For purposes of indemnity, it shall be equivalent to personal accident, as set forth in Brazilian laws;

b) action of environmental temperature or atmospheric influence, when the Insured is subject thereto, as consequence of the covered accident;

c) accidental leak of gases and vapors;

d) kidnap and kidnap attempt; and

e) anatomical or functional changes to the spinal column, of traumatic origin, caused exclusively by radiologically proven fractures or luxations.

The concept of personal accident does not include:

a) diseases, the occupational ones included, whatever their causes are, even if they have been directly or indirectly caused, triggered or worsened by accidents, except for infections, septicemic conditions and embolies, resulting solely from a visible wound caused by a covered accident;

b) intercurrences or complications arising from exam, clinical or surgical treatments, when they do not result from covered accidents;

c) lesions arising, depending on, led to or facilitated by repetitive efforts or cumulative microtraumas, or which have a cause-and-effect relation with them, as well as lesions classified as: Repetitive Strain Injury – RSI, Work Related Osteomuscular Diseases – WROD, Continuous Trauma Injury – CTI, Noise-Induced Hearing Loss – NIHL, or similar ones which come to be accepted by physicians and scientists, as well as their post treatment consequences at any time, including surgical;

d) situations recognized by official social security institutions or similar ones as ‘accidental disability’, in which the injury-causing event is not fully included in the classification as personal accident, as defined above.

32.3.2. ACCIDENT NOTICE

Document through which a loss is informed to the Insurance Company. The communication of the loss must be made to TRAVEL ACE, as insurance stipulator, who shall immediately notify the insurance company.

32.3.3. BENEFICIARY

Individual or legal entity to whom the payment of indemnity is owed in case of a covered accident.

32.3.4. INSURED CAPITAL

Top amount to be paid by the Insurer as for the coverage contracted, as consequence of a covered accident and effective on the accident date. It can be also called as indemnity.

32.3.5. INSURANCE GENERAL CONDITIONS

Set of clauses governing one single insurance plan, setting forth obligations and rights for the INSURER, the INSURED, the BENEFICIARIES and the SUBSCRIBER, and which define the general characteristics of the insurance.

32.3.6. PREEXISTING BODY DISEASES AND INJURIES

Diseases or injuries, including the congenital ones, either acquired or suffered by the INSURED before the date of his adherence to the group, of which he was aware when the insurance was contracted.

32.3.7. SUBSCRIBER

Individual or legal entity who contracts collective insurance policies. This person is granted with powers to represent the INSURED (TRAVELERS) towards the insurer. In the present case, TRAVEL ACE ASSISTANCE is the subscriber, since it has contracted personal accident insurance for the benefit of its clients, TRAVELERS-INSURED.

32.3.8. INDEMNITY

Financial payment owed by the INSURER to either the INSURED or the BENEFICIARIES, as consequence of a loss covered by the insurance.

32.3.9. EXCLUDED RISKS

Risks described in the INSURANCE general and/or special conditions, not covered by the INSURER. In other words, if the insured dies because of said risks, the INSURER SHALL NOT PERFORM THE PAYMENT OF THE INSURED CAPITAL to the BENEFICIARIES of the personal accident insurance.

32.3.10. INSURED

The offerors exposed to the risks described in the contracted coverages, actually accepted by the Insurer and included in the insurance, namely:

a) Main insured: the persons linked to the Subscriber.

b) Dependent insured: spouses, children, stepchildren and minors regarded as dependent of the main Insurance, in compliance with the Income Tax and/or social security regulations, provided they cannot be insured as main Insured when included in this insurance. Domestic partners are equivalent to spouses, since a stable union is proven as set forth in the laws in force.

32.3.11. INSURES

Zurich Brasil Seguros S.A., a company legally organized to be in charge of and manage the risks duly specified in the policy, upon the charge of the applicable premium.

32.3.12. LOSS

Occurrence of a policy-covered risk during the effectiveness of the individual coverage, entailing financial obligations to the Insurer.

32.3.13. INSURED TRIP: Period of time from the beginning and the end of the trip for which this insurance has been contracted. The maximum stay per trip in this insurance is ninety (90) days.

32.4. GUARANTEE OF THE PERSONAL ACCIDENT INSURANCE: The insurance guarantees are: Basic guarantee: Accidental Death; Additional guarantee: Full Permanent Disability for Accident.

32.5. BASIC: ACCIDENTAL DEATH: This ensures the payment of indemnity to the Beneficiaries at the amount defined in the “Limits and Benefits table, as described in the voucher”, in accordance with the product acquired, in case the Insured dies as an exclusive result of an accident occurred during the Insured Trip, unless it results from those excluded risks specified below.

IMPORTANT: As for insurance of persons younger than 14 years old, the Coverage for Accidental Death is intended only to reimburse funeral expenses, in accordance with the contracted amounts. Such reimbursement shall depend on the production of the original bills of expenses. Transportation expenses are included as funeral expenses. Expenses concerning the purchase of burial sites, graves or grave compartments are not covered.

32.5.1. EXCLUDED RISKS

Besides the risks described in section 32.3.1., the following accidents are expressly excluded from the insurance coverage, when occurred as consequence of:

a) use of nuclear material for any purposes, including nuclear exposure, whether intentional or not, as well as radioactive contamination or exposure to ionizing nuclear radiations;

b) acts or operations of war, whether declared or not, terrorism, chemical or bacteriological ware, civil war, de guerrilla, revolution, insurrection, mutiny, rebellion, sedition, uprise or other disturbances to public order and arising thereof, except for military service or humanitarian acts to aid somebody else;

c) hurricanes, cyclones, earthquakes, seaquakes, floods, falls of space objects, meteorites, volcano eruptions and other nature convulsions;

d) act of terrorism. The insurer is responsible for proving with proper documentation, together with a detailed report specifying the nature of the attack, regardless of its purpose, and provided it has been duly acknowledged by the pertinent public authority as an attack on public order;

e) any type of hernia and its consequences;

f) childbirth or miscarriage and its consequences, as well as any pregnancy-resulting complications;

g) food disorders and poisoning of any kind, as well as poisoning resulting from the action of chemicals or medicines, unless recommended by a physician, as consequence of a covered accident;

h) anaphylactic shock and its consequences;

i) hospitalizations for diagnosis examination and/or check-up;

j) intercurrence or complications arising from the performance of exams, clinical or surgical treatments, when they do not result from covered personal accidents;

k) treatment of mental or psychiatric diseases;

l) tooth loss;

m) esthetical or rejuvenating treatment of any nature;

n) plastic surgeries and expenses from the purchase of prosthesis, manufacture of glasses and contact lenses (except for expenses from post accident surgeries required for the Insured recovery and expenses on repair or replacements of dental prostheses damaged as consequence of a covered personal accident, provided a corresponding additional coverage is contracted);

o) body injuries, as well as their consequences, resulting from accidents occurred before the beginning of the insured trip;

p) events not resulting from a covered personal accident;

q) suicide, or its attempt, in case it occurs within the first two (2) years as of the effective date of the individual coverage or new inclusion after the suspension, or even within the first two (2) years from the date of increase of the insured capital, in the section referring to such increase;

r) pain & suffering and esthetical damages;

s) punitive damages;

t) unlawful acts willfully performed by the insured, his beneficiaries, the representative of either the former or the latter or, further, subscriber’s controlling members, directors, officers or beneficiaries, or their respective representatives.

32.5.1.1. LOSS OF RIGHTS

Without prejudice to what is described in the conditions hereof and any legal provisions, the Insurer shall be exempt from paying for any indemnity/insured capital, without premium refund, if:

a) the Insured, its representative, or insurance broker, makes inaccurate statements or omits circumstances which could have some influence on the insurance acceptance or the premium amount, in compliance with article 766 in the Civil Code;

b) there is, on the part of the Insured, its beneficiaries, the representative of either the former or the latter, his insurance broker or subscriber: b1) inaccuracy, omission, falsehood or error in statements included in the adherence offer, which have influenced the insurance offer; b2) proven fraud or attempt of fraud either when contracting or during the whole policy effectiveness, by simulating or causing a loss, or, further, aggravating its consequences;

c) there is, on the part of the insured, noncompliances with obligations set forth in the insurance and which entail aggravation of the covered risk as established in articles 768 and 769 of the Civil Code, such as accidents resulting from, among others: c1) direct or indirect acts or omissions of the insured, performed under the effect of alcohol or alcoholic beverage which defines a degree of alcohol content in excess of 0.5 gram per liter of blood, or under effect of stupefacients used without or against medical directions, drugs, narcotics or toxic substances which might cause mental alterations; c2) provenly dangerous acts without a justified need; c) acts against the law, including driving engine-run vehicles without the proper driving license, including motorcycles, boats, aircraft and similar ones.

32.5.2. Measures in case of loss

In case of a loss which might entail a liability to the Insurer, it should be promptly reported by the insured, his representative or beneficiaries, on a form proper for Loss Notice, registered mail, telegram, fax, e-mail, phone call recorded by the service center or any other legal means, to the Insurer or its representative, which might be TRAVEL ACE ASSISTANCE.

32.5.3. Loss Evidence, documentation required and indemnity (insured capital):

In order for the INSURER to assess whether the causes and consequences of an accident are backed by the insurance, with the resulting payment of indemnity (insured capital) to the INSURED’s beneficiaries, they should be supplied to either the Insurer or TRAVEL ACE, in order to forward to the INSURER to documents listed below, without prejudice to others which might be requested:

a) Form of Loss Notice for Death, duly completed and signed by both the beneficiary and the doctor in charge, with professional enrolment (CRM) ID;

b) Certified copy of the Insured’s Death Certificate;

c) Certified copy of the Insured’s ID Card and Tax ID (CPF);

d) Registration card, in case of employees, or insurance adherence offer;

e) Certified copy of the Police Report and Policy Inquiry files, if any;

f ) Copy of the Driver’s License, in case of accident involving a car driven by the Insured;

g) Certified copy of the Necropsy report, if any;

h) Certified copy of the drug and alcohol content exam, when so carried or;

i) Documents of beneficiaries:- address evidence, telephone number and area code (DDD); -spouse: certified copy of the marriage certificate, ID Card and Tax ID (CPF); -domestic partner: certified copy of the ID Card, Tax ID (CPF) and a document proving the stable union on the date of such event; -children: certified copy of the ID Card; -parents and others: certified copy of the ID Card and Tax ID (CPF).

In case of death of a person younger than 14 years old, in addition to the documents listed in sections “a” to “e”, “g” and “h”, evidence of funeral expenses.

32.5.4. The insurer shall have thirty (30) days after the delivery of the whole documentation required to pay for the such indemnity owed. In case any document is not delivered or if the Insurer requests for complementary documentation, such deadline shall be halted, and it shall start being counted again from the business day after the one on which such requirements have been fully met.

In case the payment is not performed within the deadline set forth herein, the indemnity amount shall be adjusted for inflation pursuant to the IPCA/IBGE – Consumer Prince Index/Brazilian Institute of Geography and Statistics Foundation, plus late interest of one percent (1%) per month, as of the first day after the end of such thirty (30) day deadline.

The insurance indemnities shall be paid to the insured’s BENEFICIARIES always in Brazil, and in domestic currency. The compensation for expenses performed abroad shall be made based on the official exchange rate for sale on the date of the actual payment, as performed by the Insured, in compliance with the limits of capital per contracted coverage, as established in the Limits and Benefits Table, as described in the voucher.

32.6. ADDITIONAL GUARANTEE: TOTAL PERMANENT DISABILITY BY ACCIDENT: It ensures the payment of indemnity to the Insured, according to the amount set forth in the “Benefits and Limits Table” mentioned in the voucher, upon the verification of his/her total permanent disability, such disability being understood as a total and definitive functional loss, reduction or impotence of a limb or organ, provided it is caused by a covered accident occurred exclusively during the Insured Trip.

Only the cases below are included in the guarantee of Total Permanent Disability by Accident, provided the treatment thereof is definitely completed or the therapeutic resources towards the recovery are depleted, the disability nature being final:

a) Total loss of both eyes´ vision;

b) Total loss of using both higher limbs;

c) Total loss of using both lower limbs;

d) Total loss of using both hands;

e) Total loss of using one higher limb and one lower limb;

f) Total loss of using one hand and one foot;

g) Total loss of using both feet;

h) Total and incurable mental alienation.

IMPORTANT: There is no coverage for Partial Permanent Disability.

Any degree of disability (percentage related to loss or function reduction of one limb or organ) already existing prior to the covered accident shall be deducted from the degree of definitive disability, assessed as a result of such covered accident.

32.6.1. EXCLUDED RISKS: Same as provided for in item 32.5.1.

32.6.2. Loss evidence, required documentation and indemnity (insured amount):

For the INSURER to review whether the causes and consequences of an accident are supported by the insurance, with the resulting payment of indemnity (insured amount) to the INSURED, the following documents shall be provided to the Insurer or to TRAVEL ACE, to be then sent to the Insurer, without prejudice to any other documents that may be required:

a) DISABILITY STATEMENT form, duly completed and signed by the insured, or, should he/she be precluded from so doing, by his/her representative and the incumbent physician, including the registration with the Regional Board of Medicine (CRM) and the disability degree and characteristics;

b) Radiographies and the late medical reports and exams evidencing such disability;

c) Certified copy of the Insured’s Identity Card, Federal Tax I.D. (CPF) and address evidence;

d) Registration card, in case of an employee, or insurance adhesion proposal;

e) Certified copy of the Police Incident Report and briefs of the Police Inquest, if any;

f) Copy of the Driver’s License, in case of accident with a vehicle conducted by the Insured;

g) Certified copy of the Report of toxicological and alcoholic content exam, should it be performed;

h) Evidence of salary receipt or premium collection, for the period in connection with the accident date;

The payment of any indemnity (insured amount) based on this additional coverage shall always be due the INSURED, unless otherwise expressed in the policy. In case of total and incurable mental alienation, the indemnity shall be paid to the legal representative in charge or curator judicially appointed for the Insured.

The individual insured amount for this additional coverage is defined in the Limits and Benefits Table mentioned in the voucher given to the TRAVELER; such amount represents the maximum amount to be paid to the Insured in case of an accident covered by the insurance, and it shall not be higher than one hundred percent (100%) of the individual basic coverage amount.

IMPORTANT: Indemnities for accidental death and permanent disability are not cumulative, in case both of them have been contracted. If, after an indemnity for permanent disability is paid, the Insured dies as consequence from such accident, the Insurer shall pay for the indemnity owed in case of death, minus the amount already paid for Permanent Disability. However, such difference is not required to be returned in case the indemnity paid is in excess of the one established for the case of Accidental Death.

33. TRAVEL INSURANCE

NOT ALL THE TRAVEL ACE PRODUCTS HAVE THE “TRAVEL INSURANCE”.

CHECK ON YOUR VOUCHER IF THIS IS THE CASE OF THE PRODUCT YOU ACQUIRED,AND ALSO THE LIABILITY TAKEN BY THE INSURER.

33.1. TRAVEL ACE contracted, with an INSURANCE COMPANY authorized to operate in the Brazilian market, a travel insurance policy in favor of its clients (TRAVELERS-INSURED), who shall be automatically insured from the start of the effectiveness of the PRODUCT acquired by the TRAVELER, when the voucher expressly mention the existence of said coverage in the acquired PRODUCT.

The “TRAVEL INSURANCE” is guaranteed by Zurich do Brasil S/A, and is subject to the specific and general conditions of the insurance company, the text and policy of which are available to the Insured at the TRAVEL ACE office or in the web site www.travelace.com.br.

33.2. DEFINITION OF LUGGAGE: Luggage is considered, for purposes of this additional coverage, every volume of property of the Beneficiary that is dispatched and is under responsibility of the carrier company, aerial or marine. Luggage is not considered, for purposes of this insurance, the volume not dispatched, transported by the Beneficiary (hand luggage).

The reimbursement refers exclusively to the luggage dispatched in the cargo compartment of the aircraft, in international flight of departure or return to the country of origin, without permanence among countries, containing objects of personal use (such as clothes and shoes); and the INSURANCE COMPANY will not take any responsibility for compensations produced by partial lacks, damage to the luggage, luggage violation, luggage theft, hand luggage and any other compensation that is not regarding the suitcase, backpack or bag that has been entirely misplaced.

To have right to the reimbursement, the voucher should have minimum validity of 5 days, to be valid both in the day of the departure of the flight and in the arrival to the final destination.

The present coverage does not cover damages and losses suffered by luggage of air flight controllers or members of the crew involved in the transportation means that originated the event.

33.3. EXCLUDED RISKS: Are excluded from the present coverage any losses, charges, damages or liabilities of any nature whatsoever, whether directly or indirectly caused by or resulting from, or for which contributed:

a) confiscation or seizure of luggage by the Customs, or any other government authority;

b) flaws from the luggage itself, leak or spill of liquids, gnawing, or any other full or partial damage caused by moth, insect or mold, the cause of which cannot be provenly ascribed to the carrier;

c) partial damages existing on the luggage and previously known by the insured before the date the insurance was contracted;

d) the loss, misplacement, qualified theft or damage, resulting from any cause whatsoever, of luggage which was not under the responsibility of the carrier;

e) accessories and or dispatched or not elements in the basement of the aircraft for sporting practices (E.g.: golf clubs, surf boards, rackets, fishing rods etc.), transport elements (bicycles, luggage cars, babies' cars etc.), any types of tableware (of use or ornamental), electronic goods wrapped or not in boxes that are identified as such or no (video games, camcorders, cameras, medical equipments, computers etc), in other words, everything that does not comprise personal use, in the terms of the luggage definition;

f) the use of nuclear materials, for any purposes whatsoever, including provoked or not nuclear explosion, as well as the radioactive contamination or exposure to nuclear or ionizing radiations;

g) declared or undeclared war acts or operations, chemical or bacteriological war, civil war, guerrilla, revolutions, riots, civil disruptions, rebellions and sedition, uprising or other disruptions of public order or resulting from them;

h) hurricanes, cyclones, earthquakes, seaquakes, floods, fall of bodies from outer space, meteorites, volcanic eruptions and other nature convulsions;

i) terrorist acts, which the insurance company must prove with the proper documents together with a detailed report that characterizes the nature of the attack, regardless of its purpose, and provided this has been duly acknowledged as an attack against the public order by the competent public authorities;

j) pain and suffering;

k) punitive damages;

l) unlawful acts performed by the insured, by his beneficiaries, by his or their representatives, or further by the controlling members, directors, officers or beneficiaries of the claimant or their respective representatives.

33.4. GUARANTEES: The insurance guarantees are: Luggage Delay, Luggage Insurance and Travel Cancellation.

33.4.1. LUGGAGE DELAY (Reimbursement of Expenditures for Delay in the Location): It guarantees, within the limits established in the "Table of Limits and Benefits" constant in the voucher, the reimbursement to the Beneficiary as emergency financial aid for expenses with products of first need, should your luggage is misplaced and not located and delivered in the period of up to twenty-four (24) hours, as of the misplace communication to the carrier company, that shall be done before the beneficiary leaves the drop-off area.

WARNING:

This coverage includes only trips with International Destinations.

No compensation is offered in case of deviation in the return flight to the origin country.

The indemnification will be accomplished through the refund of realized costs warranted by original invoices.

The guarantees of “baggage delay” and “baggage insurance” are not cumulatives, but deductible between each other. Therefore, if the “INSURED TRAVELER” receives the reimbursement related to the “baggage delay”, the indemnification paid by virtue of such guarantees shall be deduced from that one which eventually may be due in the “baggage insurance”.

33.4.1.1. EXCLUDED RISKS: Same as provided for in item 33.3.

33.4.1.2. NECESSARY DOCUMENTATION AND PAYMENT OF THE INDEMNIFICATION: The same ones foreseen in the item 33.4.2.2. plus the original receipts of expenses accomplished with the description of the acquired items.

THE “LUGGAGE DELAY” DOES NOT APPLY IN SOME TRAVEL ACE´s PRODUCTS. PLEASE CHECK IN YOUR VOUCHER IF THIS IS THE CASE OF THE PRODUCT YOU PURCHASED.

33.4.2. LUGGAGE INSURANCE (Indemnification for loss definitive): This insures, within the limits set forth in the “Limits and Benefits Table” mentioned in the voucher, the payment of an indemnification to the TRAVELER-INSURED in case he suffers harm because of loss, misplacement, theft and damages resulting from accident or fire of the transportation means, suffered by his luggage, except if they result from excluded risks and provided this have been declared to the carrier through an irregularity report before the Insured leaves the place of arrival.

IMPORTANT: The indemnification to which this Coverage refers will be the same to the value indemnified by Airline Company up the maximum limit foreseen in the "Table of Benefits and Limits" constant in the "voucher," not mattering, under any allegation, the value of content thereof.

If there is a expense reimbursement by the same voucher for baggage delay, the refunded amount shall be charged from the total limit of the Baggage Insurance.

Ex.: If the Baggage Insurance limit is US$ 1.000 and the expense reimbursement effected is US$200, in case of a proved definitive deviation of the baggage, the payment due to the assured will be equal to the compensated amount by the Airline up to the limit of US$ 800.

33.4.2.1. EXCLUDED RISKS: Same as provided for in item 33.3.

33.4.2.2. REQUIRED DOCUMENTS AND INDEMNIFICATION PAYMENT: So that the insurance company may examine the indemnification application the insured must submit the following documents:

a) Service number registered in the 24h Customer Service through phone contact;

b) Copies of the Beneficiary´s documents: Identity card, CPF [Individual Taxpayer´s Roll] and Travel Ace voucher;

c) Original or certified copy of the luggage ticket, stating the weight of the luggage;

d) Original or certified copy of the Property Irregularity Report, certifying the luggage weight, duly filled and signed by the insured;

e) Copy of evidence of the amounts paid directly to the insured by the carrier company.

The payment term for the due reimbursement is 30 (thirty) days counting as of the delivery of all documentation required. In case any complementary documents are requested, this period of time shall be suspended and shall be counted once again from the business day subsequent to the day in which all the requirements are fully met.

Any insurance indemnities shall be paid in Brazil, in national currency. The Indemnifications are paid in Brazil and by national currency. The recovery of the foreign expenses shall be accomplished based on the official sales exchange from the event date, taking into consideration the highest limit of the capital so hired.

THE “LUGGAGE INSURANCE” DOES NOT APPLY IN SOME TRAVEL ACE´s PRODUCTS. PLEASE CHECK IN YOUR VOUCHER IF THIS IS THE CASE OF THE PRODUCT YOU PURCHASED.

LUGGAGE FINDING: In case the luggage is found and recovered, in full or in part, within a maximum period of sixty (60) days counted from the date the loss is notified, the insured must accept its return, and in this case make a proportional refundment to the insurance company of the amount already indemnified.

33.4.3. TRIP CANCELLATION: Within the limits set forth in the “Limits and Benefits Table” mentioned in the voucher and in compliance with the other contractual conditions, it ensures the repayment of any expenses incurred by the insured, as duly evidenced and directly in connection with the advanced cancellation of the insured trip, by reason of personal injury, disease requiring hospitalization or death, either due to natural or accidental cause, of the Insured or any member of his/her family and when receiving truthful notice after the contracting of the service to come before the Court, and that cannot be replaced by lawyer or person in charge.

The following are considered family members of the insured: his/her father, mother, spouse or companion, natural or adopted sons and daughters, and brothers and sisters.

The benefit applies to the spouse and children of the TRAVELER whenever they are in trip with him and are covered by the contracted service.

Exclusions:

a) The reimbursement of the established limits shall not occur in case of relative's death when the death happens at least 30 days before the trip.

b The reimbursement of the established limits shall not occur when the cancellation of the trip happens as a consequence of the exclusions detailed in the item "Exclusions" of these general conditions (item 5.2)

Validity: This guaranty comes into force at the moment of the acquisition of the Product until the initiation of the trip.

Obligations of the Contracting party: To have access to this reimbursement, it is necessary that the TRAVELER communicates the impediment of the trip, in until 24 hours as of the happened situation. He should also have issued the TRAVEL ACE voucher in the same date marked in the official receipt of execution of the down payment, with a minimum anticipation of 10 days of the trip.

33.4.3.1. REQUIRED DOCUMENTATION and PAYMENT OF INDEMNITY: For the purposes of reviewing the indemnity request by the insurer, the insured shall submit the following documents:

a) Service number registered in the 24h Customer Service through phone contact;

b) Certified copy of the death certificate of the insured or his/her family member, whose decease has caused the trip cancellation; or

c) Documents evidencing the hospitalization of the insured or his/her family member;

d) Notice document for appearance before the justice;

e) Copies of the Beneficiary´s documents: Identity card, CPF and Travel Ace voucher;

f) Documents evidencing the payment of the amount in connection with the insured trip;

g) Documentation that proves the family relation in the corresponding cases.

The indemnity for this coverage is incumbent upon the insured. In the event of death of the insured, the repayment for any expenses due shall be made to whomever has become liable for the payment thereof.

THE “TRIP CANCELLATION GUARANTEE” DOES NOT APPLY IN SOME TRAVEL ACE´s PRODUCTS. PLEASE CHECK IN YOUR VOUCHER IF THIS IS THE CASE OF THE PRODUCT YOU PURCHASED.

The general travel insurance conditions of Zurich Brasil Seguros S/A, stipulated by TRAVEL ACE, are registered with SUSEP under case No. 15.414.004128/98-16. The registration of this plan with SUSEP does not imply any incentive or recommendation to its sale by this agency.