Global travel assistance services are available to you 24/7 before and during your trip, to assist with various travel needs such as: pre-trip advice, translation services, medical and legal referrals, cultural information, concierge services, identity theft resolution services and more. Please carefully read the policy. This is only a summary of our policy benefits. Please carefully read the policy to fully understand terms, coverages, conditions, limits and exclusions. Not all travel insurance plans or coverages are available in every state. This summary does not replace or change any part of your policy. If there is any conflict between this summary and the policy, the policy will supersede the summary.