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Travel Guard International is a leading travel insurance provider, covering more than six million travelers each year. Student Travel Guard`s travel insurance protection plans include coverage for trip cancellation penalties, travel interruptions and delays, emergency medical expenses, medical evacuation expenses and lost or delayed baggage. Coverage also includes 24-hour travel emergency service for emergency medical assistance, last minute or emergency travel changes, lost luggage tracking, pre-trip travel advice and more.* Student Travel Guard`s Quick Break program is underwritten by American Home Assurance Company, with its principal place of business in New York, NY. Student Travel Protect-for-Less program is underwritten by National Union Fire Company of Pittsburgh, Pa., with its principal place of business in New York, NY. The Student Travel Guard web site offers the products Protect-for-Less, which is the coverage offered under the Protect Assist Program and Smart Flier, which is the coverage offered under the Air Ticket Protection Plan, under policy AIC-TRVL-P (2/03). The policy is underwritten by Arch Insurance Company, One Liberty Plaza, New York, NY 10006. This is only a brief description of the insurance coverages available under the policy. The policy contains reductions, limitations, exclusions and termination provisions. Full details of the coverage are contained in the Policy. If there are any conflicts between this document and the policy, the policy shall govern.