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Introduction
Your policy has been conceived by AVI International, an
insurance broker/administrator specializing in travel insurance.
As a participant, you are covered by one of the most comprehensive youth
travel insurance programs available today.
The purpose of this booklet is to familiarize you with your insurance coverage in order to make your
participation in the program an educational, enjoyable and worry-free experience.
This booklet is divided into sections which describe the many types of insurance coverage included in your policy.
Each section will be a summary of the limits of coverage provided in your policy, along with major exclusions.
Important Information
Insurance holder
The insurance holder is your sponsoring organization. You are the beneficiary of the policy
Since the insurance holder is your sponsoring organization, it cannot be considered a third party under the
terms of this contract. Should a dispute/lawsuit occur between you and your sponsoring organization, both in
your home and/or your host country, no coverage would be provided under the third party liability or legal
assistance benefits.
I.D. card
- In addition to this booklet, you have received your AVI International insurance I.D. card. This card
identifies you as an insured participant.
Keep this card with you at all times. You may need it for doctors,
hospitals and others who require proof of insurance before providing services.
Subrogation right of insurance companies
The insurance companies underwriting this contract, in accordance with the terms of article L 121.12 of the
insurance code, are subrogated to the amount of the costs or services which they provided to the insured if those costs or services
are the result of another person's negligence.
This means that the insurance companies retain the right to
take legal actions against the party causing you the damage or injury, be it a friend or your host family. If you
deny this right to the insurance carriers underwriting this contract, you deny yourself the right to compensation
for the particular claim leading to the subrogation right. If the insurance companies have already paid providers
fees on your behalf, these will have to be reimbursed by you to the insurance companies or their legal representative
/ counsel. This will have no effect on other coverages of the contract which will still be considered valid.
In case of false or fraudulent statement, the policy shall be void.
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DEFINITION OF TERMS
Person insured :Any
participant in the program who has paid the insurance premium and has been reported to AVI International.
Family member : Refers to the insured's spouse or common law partner, sisters or brothers, mother or father.
Period of insurance coverage : The
insurance coverage is valid only while the insured is participating in the program and within the dates of coverage reported to AVI International. The insurance coverage
period begins upon the participant's departure from the home country, and ends upon the arrival in the home
country at the end of the program. Stop-overs between the participant's home country and host country,
unless arranged or approved by your sponsoring organization, are not covered by this insurance.
Territory : Worldwide, except in the
participant's home country, unless specified otherwise in a specific coverage.
Accident/Injury: The terms "injury/accident" wherever used
in this policy mean bodily injury caused solely and directly by accidental, external, and visible means occurring while
this policy is in force and resulting directly and independently of all other causes in a loss covered by this policy.
Illness: The term "illness" wherever used in this
policy shall mean unexpected sickness or disease of any kind contracted and commencing after the effective date
of this policy which causes a "loss" covered by this policy.
Pre-existing condition : Pre-existing conditions are not covered
under the policy. A pre-existing condition means a medical condition for which treatment has been received or taken,
or which exhibited symptoms which would lead a reasonable participant to believe that or inquire into whether treatment
was required prior to any effective date, purchase date or departure date for any insured trip. This includes
a medically recognized complication or recurrence of a medical condition.
Are considered «treatment» : follow-up exams, investigation, prescription of medication, change of type
or change of dosage of medication and in general all medical and laboratory exams, x-rays, etc. related to that condition.
Emergency dental treatment : Shall mean
to alleviate pain related to an infection of the gum or tooth, and contracted and commencing after the effective
date of the participant's arrival in the host country and necessitating an emergency treatment to alleviate the pain.
Hospitalization : Any hospitalization, surgery, in-patient
investigation MUST be reported within 24 hours to the
Emergency center for approval and payment procedures. Failure to call the Emergency center may lead to coverage denial or to partial coverage only.
Disability : For the purpose of this agreement, the term "disability"
shall mean that following an accident, you do not recover permanent and total use of bodily functions.
Deductible : This coverage has been developed by AVI International,
with no deductible on any type of coverage.
Claims processing: A separate claim form must be submitted for each illness or injury. Every time you file a claim, there is no limit to the number of invoices with can be included in that claim, as long as they are all sent in together and pertain to one illness or injury.
This means that you should consolidate your bills, invoices and prescriptions for each illness or injury.
Medical providers network/guarantee
of payment
This service is available only in the USA.
To find a medical provider nearest you, you can access our website www.avi-international.info.
We strongly recommend you call the Alarm Center so it can guarantee payment to your medical provider (provided care is covered under our policy) and to check our coverage limit.
Remember you should always have your insurance card with you when seeking for medical care.
A. Medical/Accident Coverage
Car accident
Note that AVI International provides coverage only in excess of any other auto insurance coverage available
to pay medical care for the insured.
This means that the claim will have to be submitted first to the auto insurance company(ies) of all drivers
involved in the accident.
To submit the claim for payment of the excess, the insured must provide a police report and written proof from the
concerned auto insurance company that all benefits have been paid, no matter what coverage is used: medical care,
uninsured motorist, etc. or that no coverage is available.
Also, in filing a claim you agree to release all information which the insurance company requires.
Only original invoices will be considered proof of rendered services.
Work accident
In case of accident at work, this coverage is secondary to the employer's work compensation.
Sport accident
In case of accident while practising a sport in a club, this coverage is secondary to your club insurance policy. In the case your club cannot provide accident insurance, coverage can be purchased from AVI International through your sponsoring organization at an extra charge.
Note : Claims and subrogation
As stated previously, it is an obligation of the insured to let the Insurance Company, the Claims Office or the Emergency
Center know of a loss as soon as the insured himself is made aware of that damage.
The subrogation right of insurance companies may apply
(see definition).
1. Cost of care due to illness or accident
For the cost of care, the insurance company will reimburse the following expenses up to the limit of the policy coverages.
- Cost of medical care and treatment and hospitalization as required. There is no daily maximum for in-patient
medical care or hospitalization.
- Prescriptions and medical supplies as prescribed by a physician.
- Cost of treatment for psychological/psychiatric illness is reimbursed according to the length of your stay,
up to the limit of coverage when prescribed by a physician.
- Chiropractic/physiotherapy treatments are covered only subsequent to the date the participant has been
referred to treatment by a physician who is not himself a
chiropractor/physiotherapist.
- Local emergency transportation to a hospital via ambulance.
- Services of a private nurse.
2. Non emergency surgery/elective surgery
Due to differences in medical cultures/procedures among the medical profession worldwide and to make this travel
insurance plan easy to understand by the insured and easy to implement worldwide, the following has been decided:
Knee surgery is not covered. Only the cost of travel to your home country will be paid for.
Surgery that is not PRESCRIBED by the attending physician AND which is not PERFORMED by the attending surgeon within 10 days of the accident or the diagnosis of the sickness or the diagnosis revision of the accident, is NOT considered an emergency and is NOT covered.
A second opinion will be sought if either party (insured or insurance company) is not in agreement with the initial
diagnosis.
If the surgery is necessary for the insured to carry out his/her normal activities but not a medical emergency,
the insurance company retains the right to return the participant to the home country for surgical procedures
and for all necessary rehabilitation procedures.
In such a case, the insurance company will be responsible for all related transportation costs, including the return
flight to the host country upon the participant's recovery.
If the insured elects not to return to his/her home country and wants the non emergency surgery performed in his/her
host country, THE INSURANCE COMPANY WILL BE LIABLE TO PAY MEDICAL EXPENSES RELATED TO THE NON-
EMERGENCY SURGERY ONLY UP TO THE COST OF A ROUND TRIP
TICKET FROM THE HOST COUNTRY TO THE HOME COUNTRY OF THE INSURED.
3. Driver’s training program
Students have medical insurance coverage only while driving an automobile in a professional
or school supervised driver’s training program within the guidelines of the policy.
This medical insurance coverage applies only to the student
NEITHER THIRD PARTY LIABILITY NOR AUTOMOBILE
COLLISION COVERAGE IS PROVIDED.
The medical insurance for the student will be in effect only
if the student drives under the supervision of a professional driving education instructor within the context of the driver’s education program.
The student will also be insured during the state licensing exam under the direct supervision of state licensing personnel.
Driving to and from the licensing facility is not considered a part of the actual training exam and is not
covered.
B. Emergency Dental Coverage
1. Emergency dental treatment (see definition)
Coverage provided for the alleviation of pain related to an infection of
the gum or tooth, and contracted and commencing after the effective date of the participant's arrival in the
host country and necessitating an emergency treatment, depends on the length of your stay abroad.
Note : all dental claims MUST include an x-ray of the concerned tooth/gum.
X-rays will be reimbursed at the customary cost charged in the area the dentist provided the dental care.
The cost of initial emergency examination relating to the above to alleviate pain is covered.
However, subsequent treatments exceeding US$ 100.00 must be justified by a dental treatment plan/estimate for review and pre-approval by the Emergency Center.
Please call the Emergency Center for details.
Exclusions: No coverage is provided for claims submitted without
the mandatory x-ray film, for routine dental examination, pre-existing conditions including caries/cavities,
restorative work, orthodontics, dental equipment, crown build-up, crowns, reconstructive work or all other treatments
unrelated to pain alleviation.
2. Dental care necessitated by an accident (see definition)
Coverage is provided according to the lengh of your stay for services
of a dentist or oral surgeon provided for the treatment of your sound natural teeth as the result of a direct
accidental blow to the mouth.
In addition, special orthodontics coverage has been provided for dental
treatment resulting from an accident. The benefit amount is US$ 600.00 per tooth for dental orthodontics whatever
the stay duration. Such treatment may be performed following your return home if a medical expert determines that treatment
could not beb performed immediately due to your condition or age. In such a case, AVI will be secondary to any Health Plan you may benefit from.
Exclusions: Broken or chipped teeth, loosened or lost
fillings/amalgams while eating, chewing and biting, are not at any time considered an accident or a result of an accident
under the terms of this policy.
Exclusions and Limitations of the Medical Coverage
The medical exclusions of this travel insurance policy include but
are not limited to the following :
- Any hospitalization, surgery and subsequent treatment, in-patient
investigation NOT approved by the emergency
center.
- Preventive or routine medical, dental and eye examinations.
- Physical examination for sports.
- Vaccinations and immunizations (eg. school required TB shots, x-rays) as well as their consequences.
- Medications not prescribed by a physician.
- Dental crowns and orthodontics (non-accident related), eye glasses, contact lenses and artificial limbs/prothesis.
- Acne (unless treated with antibiotics).
- Medical treatment for primarily cosmetic reasons (e.g. removal of warts, scars, moles, etc).
- Cost of treatment related to birth control, pregnancy, abortion, childbirth or illness related to pregnancy.
- Treatments related to epilepsy, malaria, hepatitis C, HIV, AIDS or sexually transmitted disease.
- Treatments related to eating disorders such as but not limited to anorexia, bulimia, etc.
- Use of sedatives.
- Use of illegal substances such as narcotics or assimilated drugs not prescribed by a physician.
- Alcohol intoxication and/or abuse.
- Medical care and/or evacuations for pre-existing conditions/illness defined as:
1) treatment prescribed by a physician in the insured's home country as well as treatment stemming from a prior
illness or accident (see definition).
2) treatment due to a chronic medical or mental illness previously known or unknown to the insured as well as
their consequences.
- Congenital illness such as but not limited to pilonidal cysts.
- Ingrown toenails, corns, warts...
- Chiropractic treatment, physical therapy, psychological or psychiatric counseling/evaluation if not previously
referred by M.D.
- Cost of travel related to illness resulting from the above listed exclusions or dismissal from the program.
Exclusions and Limitations of the Accident Coverage
The accident exclusions of this travel insurance policy include but are
not limited to the following:
- Consequences of the above excluded illnesses which could lead to an accident.
- Any hospitalization, surgery and subsequent treatment, in-patient
investigation NOT approved by the emergency
center.
- Dental crowns and orthodontics (non-accident related), eye glasses, contact lenses and artificial limbs.
- Injuries resulting from participation in team sports not supervised by high school, college or university coaches.
- Sports competitions not organized, supervised or officially scheduled by your high school, college or university.
- Injuries incurred as a driver of any motorized vehicle except while participating in a professional or school
supervised automobile driver's training program (see).
- lnjuries incurred as a driver of a recreational vehicle.
- Competitions or trials in motor vehicles even with recreational vehicles.
- Injuries incurred as a driver or passenger of a motorcycle.
- Plane accidents while a crew member (Passengers on the flight who are not part of the flight crew are covered
for accidental injury).
- Accidents or injuries resulting from participation in highrisk or violent sports such as but not limited
to: scuba diving, horse jumping, hang gliding, skiing or snow boarding outside maintained trails or slopes
of ski resorts, mountaineering, hunting, use of firearms or air/spring powered guns, parachuting, ice hockey,
boxing and martial arts, wave running, bungie-cord jumping, etc.
- Injuries resulting from initiation by the insured of a criminal/illegal act or act of violence.
- Self-inflicted injuries.
- Suicide or attempted suicide.
- Cost of travel related to accidents resulting from the above listed exclusions.
- Consequences of acts of war or terrorism
C. Transportation Expenses
IMPORTANT: You MUST secure prior agreement from the Emergency
Center for such travel in order to receive compensation.
The Emergency Center is used to working with airlines and may be able to find a seat for a family member even when
planes are fully booked. Any refund directly from the airline due to the emergency nature of the trip will be deducted
from the claim payment or if no refund is granted by the transportation company, the original transportation ticket
will have to be remitted to the insurance company or to the Emergency Center.
The insurance company will reimburse or pay directly the
costs of:
- Medical evacuation to home country due to acute illness or accidental injury when the insured is deemed fit to fly. The means of transportation, necessity
and schedule of evacuation will be decided exclusively on medical and technical grounds by the Emergency Center physician in order to avoid any dispute between medical authorities.
AVI International reserves the right to determine if
a medical evacuation is appropriate for those illnesses or injuries which can be treated in the host country.
- Transportation due to an early or delayed return to your home country due to a treatment in the host country
whenever your original return ticket cannot be used.
- Repatriation of remains to the home country.
- Transportation of one (1) family member from the home country, if the insured's hospitalization is planned to last more than three (3) days. Maximum $2,000.00 including cost of lodging -->.
- Transportation of two (2) family members from the
home country, if insured's hospitalization is planned
to last more than seven (7) days. Maximum $4,000.00
including cost of lodging.
- Cost of lodging for those visiting insured while hospitalized.
| Maximum | - One person - $100.00 per day up to 15 days. |
| | - Two persons - $150.00 per day up to 15 days. |
Note : Claims and subrogation
As stated previously, it is an obligation of the insured to let the Insurance Company, the Claims Office or the Emergency
Center know of a loss as soon as the insured himself is made aware of that damage.
The subrogation right of the insurance companies may apply
(see definition).
Exclusions and Limitations of the Transportation Benefit
The transportation exclusions of this travel insurance policy include but are not limited to the following:
Participant:
- Cost of travel related to all of the above exclusions and conditions listed in Medical and Accident Exclusions.
- Illnesses or injuries which can be treated in the host country.
- Dismissal from the program.
Participant's parents:
Cost of travel and lodging related to all of the above exclusions and conditions.
D. Death Abroad
Compensation for the accidental death of a participant and the repatriation of remains to the place of burial
in the home country will be paid to the participant's natural parents or to the parent who registered the
participant to the stay or to the legal heirs.
Exclusions:
Compensation as well as repatriation of remains will not be paid in case of the insured's death, if the cause
of death was an illness, an excluded accident or an act of war or terrorism.
Note: Claims and subrogation
As stated previously, the right of subrogation of the insurance
companies may apply (see definition).
E. Disability Resulting from an Accident
In case of a disability resulting from an accident, a medical expert will be appointed to determine the
percentage of disability.
The disability will be rated as partial or total disability.
| Partial Disability | - 1% to 99% |
| Total Disability | - 100% |
Disability will be evaluated at the time of consolidation
via a medical survey.
Only the physiological consequences of the accident are examined in the survey.
When a third party is responsible for the accident which led to your disability, the insurance company will advance
disability payments to you.
If there is no party involved in the accident leading to your disability, compensation will be paid directly
to you by the insurance company.
Exclusions:
- Disability resulting from an illness.
- Disability resulting from an excluded accident.
- Disability resulting from an
act of war or terrorism
F. Emergency Return Transportation
to Participant's Home
As with all travel claims, the participant MUST contact
the Emergency Center to make specific arrangements for the return home.
Failure to call the Emergency Center may lead to coverage denial or to partial coverage only.
If your original ticket cannot be used, the insurance company will reimburse or directly pay the cost of your
return home due to an accidental death, life-threatening accident or life-threatening illness of the mother/father, the de facto or de jure spouse or of a sibling diagnosed after your arrival in the host country.
The coverage below is granted only to participants enrolled in an academic study program of at least 6
months.
In the case of an emergency return to your home, you will only be returned to the program if you have more
than 30 days remaining prior to your original scheduled return, or if you must return to the host country to
take an examination required for your future studies.
G. Baggage & Personal Effects Benefit
Your personal belongings are insured up to US$ 3,000.00 while traveling to and from your program and during your homestay when they are damaged or lost solely due to theft, robbery, assault, traffic accident or transportation company mishandling.
IMPORTANT: When luggage/baggage damage or loss occurs due to
transportation company's mishandling, the insurance company acts as a secondary insurance carrier. The primary
coverage is provided by the transportation company.
A claim must IMMEDIATELY be filed with the transportation company. The amount not reimbursed by the transportation
company may then be directed to AVI International.
Note : If the transportation company denies your claim based on the fact that you did not file a claim
or that the claim was not filed in time, we will also deny your claim since we are secondary to the transportation
company.
Always take special care to protect your valuable property by locking it in a safe place when not in use. If a
loss occurs during your homestay, you will be reimbursed if your host family's homeowners insurance carries a
deductible or if your belongings are not covered under that policy.
If you are en route or are staying at a campus dormitory or hotel, only fire or water damage is reimbursed, since
the primary theft insurance is provided by the hotel or dormitory facility.
In case of a robbery, you must report IMMEDIATELY the loss to the police, transportation company, hotel,
etc, and provide a copy of this report to the AVI Claims Departement along with your request for reimbursement.
Only an official theft/loss or police report will be accepted by the insurance companies. It is the participant's
responsibility to submit a comprehensive police report.
This is mandatory in order to process your claim.
In filing a claim for property, you must also provide a detailed description of the property along with its
date of purchase and value. Bills, invoices or other proof of value are required.
Stolen or damaged property will be valued allowing for wear and tear at the time of the loss.
Maximum compensation per item is US$500.00
The insurance covers property which belongs to you, or has been borrowed by you for your personal use. This
coverage also includes "theft prone" property such as jewelry, watches, cameras, MP3,
borrowed bicycles, etc. They are
covered up to a maximum of US$ 500.00 per item and US$ 1,000.00 in total.
IMPORTANT: Original proof of value is requested to process your claim.
Property will be valued according to wear and tear.
Only in case of an assault or theft will I.D. cards, drivers
licence, passport be reimbursed.
Property not covered: Musical instruments, bicycles, weapons and hunting gear (even when
borrowed), lost or abandoned property, glasses, contact lenses,
artificial limbs/prothesis, all means of payment (check, credit
card, coins, currencies), stamps, manuscripts, concert tickets,
legal/professional documents, all transportation tickets, keys, cellular phones, etc.
Also excluded are animals, motor-driven vehicles, boats, etc.
EXCLUSIONS: No coverage is provided...
- if jewels are lost in the course of sports or if they are not worn.
- if the theft occurs from unlocked premises.
- if property is left anytime in a convertible, a tent or in a trailer.
- if property is visible in the interior of any
car.
- if property is left from 10 p.m. to 7 a.m. in any car.
- if the car was not broken into.
- for normal wear and tear or due to atmospherical influences.
- for damage caused to moths and rodents.
- for damage due to unsuitable packing.
- for property confiscated by any authority.
- for loss of I.D. cards, drivers licence, passport or local transportation tickets.
- for damage caused by carried liquids.
- for damage caused by accidental falls.
- due to negligence of the insured such as but not limited to bags left unattended in public areas
(e.g. premises to which more than you have access).
H. Third Party Liability Coverage
IMPORTANT: This contract does not cover the third party liability
of your sponsoring organization in your host or home country. In no way can the insurers of this contract
be considered co-insurers of your sponsoring organization or of your sponsoring organization's professional liability
insurance underwriters.
The insurance holder is your sponsoring organization; you are the beneficiary of the policy. Since the
insurance holder is your sponsoring organization, it cannot be considered a third party under the terms of
this contract.
Should a dispute/lawsuit occur between you and your sponsoring organization, both in your home and/or your host
country, no coverage would be provided under the third party liability or legal assistance benefits.
You may be held responsible for unintentional damage you cause
to others or to others' property.
In case of an accidental injury to another person or damage to its property, you could be liable for the
following types of expenses: medical costs, lost earnings, pain & suffering, direct property damage, etc...
You are covered for these types of expenses
if you are found to be liable for the damage or injury.
Note : In cases of damage over US$ 500.00 to your host family's home,
this coverage is secondary to your host family's home owner/tenant insurance policy.
Exclusions of the Third Party Liability Coverage
- Hunting or use of firearms or air / spring powered guns.
- Liability in connection with the use of illegal substances such as narcotics or assimilated drugs
not prescribed by a physician.
- Alcohol intoxication and/or abuse.
- Liability in connection with the initiation, by the insured of a criminal/illegal act or act of
violence.
- Liability in connection with the transmission of a contagious disease.
- Liability in connection with HIV, AIDS or sexually transmitted disease.
- Intentional acts.
- Liability in connection with the use, ownership or operation of horses and animals in general, motor
driven vehicles, boats, planes, farm vehicles or recreational vehicles and gardening equipment.
- Liability during the course of full-time or part-time paid employment or in any child care capacity
such as but not limited to baby-sitting, etc...
- Liability in connection with activities such as but not limited to: scuba diving, horse jumping,
hang gliding, skiing or snow boarding outside maintained trails or slopes of ski resorts, mountaineering, hunting,
use of firearms or air/spring powered guns, parachuting, ice hockey, boxing and martial arts, sailing, wave running, surfing,
bungie-cord jumping, archery, etc...
- Punitive damages granted to the victim by a local jurisdiction.
Legal Expenses
IMPORTANT: The insurance holder is your sponsoring organization.
You are the beneficiary of the policy. Since the insurance holder is your sponsoring organization, it
cannot be considered a third party under the terms of this contract.
Should a dispute/lawsuit occur between you and your sponsoring organization, both in your home and /or your host
country, no coverage would be provided under the third party liability or legal assistance benefits.
Should you be involved in a lawsuit related to your third party liability, legal expenses for your defense would be covered up to the maximum of the coverage.
Exclusions are the same as listed under the third party liability
coverage. In addition, legal expenses pertaining to criminal prosecution are not covered.
IMPORTANT: Only the insurance company may appoint a legal counsel.
No coverage will be provided if this right is in any way violated.
I. Assault Benefit
Assault is considered an accident. Therefore, an assault related
claim will be compensated under the Medical/Accident coverage, as well as, if necessary, under the Disability coverage.
Exclusions under the Medical/Accident coverage do apply.
J. Disfigurement Compensation
Unattractive scars are not considered a disability. They do not prevent
you from working, eating, etc...but are a lasting result of an injury for which this policy provides compensation.
The amount of disfigurement compensation will be determined according to the rating of a medical expert appointed
by the insurance company.
Disfigurement will be evaluated at the time of consolidation via a medical survey.
Exclusions :
- Disfigurement due to:
- An excluded accident.
- Consequences of an illness.
Subrogation
As stated previously the subrogation right of the insurance companies may apply (see definition).
K. Delay Coverage
A claim must IMMEDIATELY be filed with the transportation company.
Personal delay - if you are traveling by public means of transportation,
at departure to your host country, and are delayed by more than 24 consecutive hours due to:
Overbooking is not covered.
Original statements from the transportation company mentioning the delay length are requested to process the claim.
Baggage delay - if your registered baggage at departure
to the host country is delayed by more than 24 hours, you are entitled to compensation for your extra costs up to a US$ 250.00 maximum compensation.
Original delivery receipt mentioning date and time along with ORIGINAL receipts of clothes and toileteries are requested to process the claim.
L. Force Majeure
The insurance company is not responsible for nonperformance or delays in the settlement of a claim which may be delayed due to war, riots, acts of terrorism, strikes or intervention by government authorities.
Disputes
This contract is regulated by the
French Insurance Commission. All disputes between the policy
holder or the insured and the insurance companies must be brought to court in France.
Your Insurance Professional :
Your policy, and the unique coverage it offers has been conceived
specifically by AVI International, an insurance broker specializing in insurance programs for youth and student
travel for over 30 years.
Insurance Carriers
- Europ Assistance, subsidiary of Generali, France
- Fidelidade Mundial, France, represented by Assur Travel
These are the carriers underwriting the contract at the time of printing. If need be, they can be changed by AVI International, provided coverages remain unchanged.
If such an event were to occur, insureds of the policy would be notified.
AVI International
30, rue de Mogador
75009 PARIS
FRANCE
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