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 companies of American Modern Insurance Group, including American Modern Home Insurance Company, NAIC #23469 (in California, doing business as American Modern Insurance Company). Travel plans are offered through and administered by AXA Assistance USA, Inc. (in California, doing business as AXA Assistance Administrators, License Number 0H74893).