EXPLO Tuition Protection Plan

Summer 2021

EXPLO

TUITION PROTECTION PLAN

While no one expects their child to depart early from a program session, from time to time unexpected things happen. Each year children leave programs for a variety of unforeseen reasons including accidents, injuries, illnesses, withdrawals for personal reasons, homesickness, and dismissals. Your financial obligation to EXPLO is for the full tuition as stated in the program registration material. The program has fixed expenses and, therefore, cannot afford to refund the tuition and fees if your child is forced to depart early. The Tuition Protection Plan will provide welcomed financial relief if your son or daughter withdraws from the program session due to a covered cause of loss. Claim payments are paid to EXPLO for credit to your account, mitigating the possibility of a large financial loss.

WHAT THE PLAN COVERS

WITHDRAWAL OR ABSENCE FOR MEDICAL REASONS • The Plan will pay 60% of the average daily cost of insured program fees for the time withdrawn, provided the student’s “injury” or “sickness” forces the student to “withdraw” from the program session. • The Plan will pay 60% of the average daily cost of insured program fees for the time withdrawn, provided the student’s mental health condition, as referenced in DSM-V, forces the student to “withdraw” from the program session. • Note: This plan does not provide coverage for Epidemic Closure of the program of any kind or closure due to fear of contagion. NON-MEDICAL WITHDRAWAL OR DISMISSAL • The Plan will pay 60% of the average daily cost of the unused insured program fees provided the student has attended more than two consecutive calendar days beginning with the student’s first day of attendance in the program session (not including the orientation day).

PERIOD OF ENROLLMENT

COVERAGE IS EFFECTIVE UNDER THE PLAN AS FOLLOWS: MEDICAL: From the first day of the program session through the last day of the program session. Coverage is not in effect for withdrawals occurring before the first day of the program session. NON-MEDICAL WITHDRAWAL OR DISMISSAL: For the entire program session after meeting the two-day attendance requirement.

CLAIMS

Claim forms with instructions are available at the program office. Claims must be reported within 30 days from the date of separation. Benefit payment is made to EXPLO for credit to your account. Benefits not required to settle your account with EXPLO will be refunded to you by the the program.

DEFINITIONS AND CONDITIONS

“Program session” (referred to as “period of enrollment” in the policy) upon which benefits are based, consists of the actual calendar days in the program session (including weekends and holidays) beginning with the first official day of the program session and ending with the last official day of the program session. “Withdrawal for medical reasons” means complete, involuntary severance from the program session as certified to and regularly treated during the period of coverage by a legally qualified medical practitioner, not related to the student. “Injury” means bodily injury caused by an accident that occurs on or after the effective date of coverage but before the last day of coverage. “Sickness” means any sickness or disease for which symptoms exist and medical advice or treatment is received after the effective date of coverage but before the last day of coverage. “DSM-V” means the Diagnostic and Statistical Manual of Mental Disorders Edition #5, including any subsequent editions of such manual. “Dismissal” or “dismissed” means the complete involuntary severance from the program session at the direction of the program authorities for scholastic or disciplinary reasons for the balance of the program session. “Average daily cost” is found by dividing the program fees by the actual calendar days during the period of enrollment.

EXCLUSIONS

MEDICAL WITHDRAWAL OR ABSENCE DUE TO: 1. hostile or warlike action 2. nuclear reaction, nuclear radiation or radioactive contamination 3. order of de jure or de facto governmental or sovereign power directed to the player 4. destruction of the program ’s physical facilities due to any cause 5. program bankruptcy, insolvency, or other financial instability that results in the program ’s ability to operate and to provide sessions to the players 6. program closing for any reason 7. pregnancy and/or childbirth 8. use of any drug, narcotic or an agent which is similarly classed or has similar effects unless given by, and while under the care of a doctor 9. taking part in a riot 10. suicide or intentionally self-inflicted injury or self-inflicted sickness 11. alcoholism or use of alcohol 12. failure to attend the program session for any reason other than an injury or sickness WITHDRAWAL FOR OTHER THAN MEDICAL REASONS OR DISMISSAL DUE TO: 1. being inducted into the armed forces or being assigned alternative duty in lieu of active military service 2. any hostile or warlike action or certified acts of terro r ism 3. rebellion, riot, or civil commotion 4. any order of a de jure or de facto governmental or sovereign power directed to the student 5. nuclear reaction, radiation or radioactive contamination 6. destruction of any program facility due to any cause 7. inability of program to operate and provide formal instruction including closure for any reason 8. temporary non-medical absences, suspensions, changes from resident to day status or schedule reductions 9. boycotting of the program by the student 10. completion of academic requirements or early graduation 11. any withdrawal or dismissal prior to or within the first two consecutive calendar days beginning with the student’s first day of attendance in the program session. UNDERWRITER The Tuition Protection Plan policy is underwritten by Atlantic Specialty Insurance Company, New York, NY, for A.W.G. Dewar, Inc., dba A.W.G. Dewar Insurance Agency, Four Batterymarch Park, Quincy, MA 02169. The name of each student is listed on a policy which is held by the program’s business office, not as agent for the insurance company, but on behalf of insured students and their parents. This leaflet is an outline of coverage for the ensuing academic year. Actual coverages are governed by the insurance policy on file in the program’s business office. Coverage may change each academic year. A.W.G. Dewar, Inc. is the originator of the Tuition Protection Plan.

4 Batterymarch Park , Quincy, MA 02169-7468 Phone: (617) 774-1555 Fax: (617) 774-1715 Email: trp@dewarinsurance.com

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