Coverage is excess of any other valid and collectible insurance available to the insured person.
Covered expenses shall not include any amount in e xcess of regular and customary charges. Only one benefit, the largest to which the Insured Person is entitled, is payable for all losses resulting from one accident. Covered expenses include, but are not limited to, expenses for embalming, cremation, coffins and transportation. An emergency evacuation must be ordered by a legally licensed physician who certifies that the severity of the Insured Person's injury or sickness warrants the emergency evacuation of the Insured Person. When this type of transportation is arranged on a scheduled carrier and a stretcher is required, the patient may be required to purchase the equivalent of nine economy class seats or four first class seats.