Please read the policy carefully. This is only a summary of our program. Please read the policy carefully to fully understand the coverages, terms, conditions, limits and exclusions. Not all plans or coverages are available in every state. This summary does not replace or change any part of your policy. If there is a conflict between this summary and the policy, the policy will control. Please contact AXA Assistance USA if you have any questions. This Plan is Underwritten by American Modern Home Insurance Company (NAIC #23469, and in California, doing business as American Modern Insurance Company), a member company of American Modern Insurance Group, under policy form series AMT001. Travel insurance plans are brought to you through AXA Assistance USA, Inc. in all states except California. For California residents, travel plans are brought to you by Cevian Insurance Agency, License number 0H92098. Travel insurance plans are administered by AXA Assistance USA, Inc. (in California, doing business as AXA Assistance Administrators, License Number 0H74893).