The “Choose Your Travel Adventure” Sweepstakes
Official Rules


Participation constitutes entrant's full and unconditional agreement to and acceptance of these Official Rules. The “Choose Your Own Adventure” Sweepstakes (the “Sweepstakes”) begins at 12:00 a.m., Eastern Time (“ET”) October 3, 2016 and ends at 11:59 p.m. ET on October 16, 2016 (“Sweepstakes Period”). The Sweepstakes is sponsored by HCC Medical Insurance Services, LLC (the “Sponsor”), 251 North Illinois Street, Suite 600, Indianapolis, Indiana, 46204.

ELIGIBILITY: The “Choose Your Own Adventure” Sweepstakes is open to legal residents of the fifty (50) United States and the District of Columbia who have the age of majority in his or her state or territory of residence and as of the Sweepstakes start date. Employees, officers and representatives of the Sponsor, their parents, affiliates, subsidiaries, agents, advertising and promotion agencies and American Sweepstakes & Promotion Co. Inc. (collectively, “Released Parties”) and members of the immediate family (mother, father, sons, daughters and spouse, regardless of where they reside) and household members of each, whether or not related, are not eligible to participate in the Sweepstakes. Participation constitutes entrant's full and unconditional agreement to and acceptance of these official rules. Void in Puerto Ricond where prohibited by law.

HOW TO PLAY: During the Sweepstakes Period eligible participants are invited to participate in the sweepstakes by visiting the Sponsor’s promotion webpage,, where they will need to fill out and submit all the required fields on the entry form by providing their name, email address, if they are planning to travel in the next 3-6 months and an optional field to include their Twitter handle. Participants must also complete a quiz that will contain five (5) questions about the Sponsor’s Atlas travel products. Participants can reference the Atlas Travel website at to help them answer the questions correctly. Participants that complete all the required fields and answer three (3) of the five (5) quiz questions correctly will receive one (1) entry into the sweepstakes. Participants may also gain one (1) additional bonus entry by posting a tweet on Twitter that includes the sweepstakes hashtag, #5kTripSweepstakes, the Sponsor’s Twitter handle, @hccmis, along with the link to the contest homepage at Participants may gain one (1) additional sweepstakes entry by following the sponsor on Twitter, @hccmis. Participants who were already following @hccmis prior to the start of the sweepstakes will be awarded this extra entry providing they provide their Twitter handle on the required field on the sweepstakes entry form.

Limit one (1) Sweepstakes entry per person, per email address and up to two (2) bonus entries per Twitter handle. Participants should submit only an email address subscribed and registered in their name. Once submitted, an entry cannot be deleted, canceled or modified. In the event of a dispute as to entries submitted by multiple individuals using the same email account, subscriber is deemed to be the natural person who is assigned an email address by an Internet access provider, online service provider or other organization which is responsible for assigning email addresses or the domain associated with the submitted email address.

DRAWING AND NOTIFICATION: A Grand Prize drawing will take place from all eligible entries received during the Sweepstakes Period at the end of the Sweepstakes Period, on or about October 17, 2016. The Grand Prize drawing will be conducted by American Sweepstakes & Promotion Co. (“the Administrator”) an independent judging organization, whose decisions are final and binding in all matters relating to this Sweepstakes. The odds of winning the Grand Prize will depend on the total number of eligible entries received. The winner will be contacted by the email address that they provided on their entry form.

PRIZE: One (1) Grand Prize winner will receive a travel package for the winner and a guest that consists of a five (5) night stay that they may choose from one of the following locations: 1) Sydney, Australia with hotel accommodations at lodging Swissotel Sydney; 2) Reykjavik, Iceland with hotel accommodations at Hilton Reykjavik Nordica; 3) Florence, Italy with hotel accommodations at Hotel Brunelleschi. All hotel accommodations are one room, double occupancy.) The travel package also includes round trip coach fare airline tickets from a major airport closest to winner’s residence to a major airport closest to the chosen location. Grand Prize winner and their guest must fly on the same itinerary and all tickets must be reserved together. Reservations for hotel accommodations must be booked in advance and are subject to availability and blackout dates and other restrictions may apply. Once the trip dates have been booked, no changes, extensions or substitutions are permitted. Grand Prize winner is solely responsible for any additional expenses not expressly stated in the prize description above including, but not limited to sales tax, service charges, tips, and any other personal charges, food and beverage, incidental travel or additional costs due to reserving any higher priced package or any fee applied as a result of a change in the reservation, etc. It is also the responsibility of the Grand Prize Winner and his or her guest to be in possession of all necessary documentation (e.g., valid passport or visa where applicable) at the time and place of departure. The trip must be completed by October 16, 2017. Grand Prize Travel Package approximate retail value (ARV) is $5,000. If the cost of the hotel and airfare is less than $5,000, then any remaining funds, up to $5,000, will be given to the Grand Prize winner to use to help cover some expenses on their trip.

PRIZE CONDITIONS:  By accepting a Prize, the Grand Prize winner agrees to release the Sponsor from any and all liability whatsoever for any injuries, losses, or damages of any kind caused by entering the Sweepstakes or for damages of any kind caused by the prize or resulting from acceptance, possession, or use/misuse of the prize awarded. All local, state and federal taxes are solely the responsibility of winner. Grand Prize winner will be required to complete and sign an Affidavit of Eligibility and Liability/Publicity Release form provided to them to be returned within 7 days of notification, or prize may be forfeited and an alternate winner selected. The Grand Prize winner will also be required to disclose his/her social security number for the purpose of issuance of a 1099 Form for tax purposes. No substitution or transfer of prize or election of cash in lieu of prize will be permitted. The Sponsor reserves the right at its sole discretion to substitute the prize package with another prize of equal or greater value in the event that the prize (or any component thereof) is not available. If the potential winner fails to respond to the Sponsor’s email notification within 7 days of the initial contact by the Sponsor, then such person shall be disqualified and an alternate winner may be awarded the prize at issue.

GENERAL: By accepting a Prize, where permitted by law, recipient grants to the Sponsor its parent, subsidiaries and related companies, and those acting pursuant to the authority of Sponsor (which grant will be confirmed in writing upon Sponsor’s request), the right to print, publish, broadcast and use worldwide IN ALL MEDIA without limitation at any time the recipient’s full name, portrait, picture, voice, likeness and/or biographical information for advertising, trade and promotional purposes without further payment or additional consideration, and without review, approval or notification. IN NO EVENT WILL SPONSOR , THEIR RESPECTIVE PARENTS, AFFILIATES, SUBSIDIARIES, ADVERTISING AND PROMOTION AGENCIES, DEALERS, DISTRIBUTORS, SUPPLIERS, PRIZE PROVIDER AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, REPRESENTATIVES AND AGENTS BE RESPONSIBLE OR LIABLE FOR ANY DAMAGES OR LOSSES OF ANY KIND (INCLUDING WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES) ARISING OUT OF PARTICIPATION IN THIS SWEEPTAKES OR THE ACCEPTANCE, POSSESSION, USE, OR MISUSE OF, OR ANY HARM RESULTING FROM THE ACCEPTANCE, POSSESSION, USE OR MISUSE OF THE PRIZES. By participating, entrants release and agree to hold harmless the Sponsor,  their respective parents, affiliates, subsidiaries, advertising and promotion agencies, dealers, distributors, suppliers, Prize provider and their respective directors, officers, employees, representatives and agents from any and all liability for any injuries, death or losses or damages to persons or property AS WELL AS CLAIMS/ACTIONS BASED ON PUBLICITY RIGHTS, DEFAMATION, AND/OR INVASION OF PRIVACY that may arise from participating in this Sweepstakes or its related activities or the acceptance, possession, use or misuse of, or any harm resulting from the acceptance, possession, use or misuse of the Prize(s). Winner acknowledges that Sponsor has neither made nor is in any manner responsible or liable for any warranty, representation or guarantee, express or implied, in fact or in law, relative to the Prize.

INTERNET LIMITATIONS OF LIABILITY: If for any reason this Sweepstakes is not capable of running as planned due to infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the reasonable control of the Sponsor which corrupt or affect the administration, security, fairness, integrity or proper conduct of the Sweepstakes, Sponsor reserves the right, at its sole discretion, to disqualify any individual who tampers with the entry process, and to cancel, terminate, modify or suspend the Sweepstakes in whole or in part, at any time, without notice and award the prizes using all non-suspect eligible entries received. No responsibility is assumed for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, entries, or for any problems or technical malfunction of any telephone network or telephone lines, computer on-line systems, servers, or providers, computer equipment, software, failure of any e-mail or entry to be received by Sponsor on account of technical problems, human error or traffic congestion on the Internet or at any Website, or any combination thereof, including any injury or damage to participant's or any other person's computer relating to or resulting from participation in the Sweepstakes or downloading any materials in the Sweepstakes. CAUTION: ANY ATTEMPT TO DELIBERATELY DAMAGE ANY WEBSITE OR UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, THE SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES OR OTHER REMEDIES FROM ANY SUCH PERSON (S) RESPONSIBLE FOR THE ATTEMPT TO THE FULLEST EXTENT PERMITTED BY LAW. In the event of a dispute as to the identity of a winner based on an e-mail address, the winning entry will be declared made by the authorized account holder of the e-mail address submitted at time of entry. "Authorized account holder" is defined as the natural person who is assigned to an e-mail address by an Internet access provider, on-line service provider or other organization (e.g., business, educational, institution, etc.) that is responsible for assigning e-mail addresses for the domain associated with the submitted e-mail address.

USE OF DATA: All information submitted by entrants will be treated according to Sponsor’s privacy policy, available at By participating in the Sweepstakes and providing your e-mail address, entrants hereby agree to Sponsor’s collection and usage of their personal information and acknowledge that they have read and accepted Sponsor’s Privacy Policy.  

DISPUTES: Except where prohibited, you agree that any and all disputes, claims and causes of action arising out of, or connected with the Sweepstakes or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by the appropriate court located in the State of Indiana. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, your rights and obligations, or the rights and obligations of Sponsor in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the laws of the State of Indiana, without giving effect to any choice of law or conflict of law rules (whether of the State of Indiana or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of Indiana.

WINNER LIST REQUESTS:  To request confirmation of the name and address of the winners please send a self-addressed, stamped business size envelope to:  The “Choose Your Own Adventure” Sweepstakes Winners List c/o ASC, 300 State Street, Suite 402, Rochester, NY 14614.

SPONSOR: HCC Medical Insurance Services, LLC, 251 North Illinois Street, Suite 600, Indianapolis, Indiana, 46204.


Abbreviated Rules for Print

NO PURCHASE NECESSARY. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. Must be legal resident of the 50 United States (D.C.) who has the age of majority in his or her state or territory at time of entry. Sweepstakes ends 10/16/16. For entry and official rules with complete eligibility, prize descriptions and other details visit by HCC Medical Insurance Services, LLC. Void where prohibited.