Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

Benefits will be paid up to the Maximum Benefit Amount purchased to cover an Insured for the Published Penalties and unused non-refundable prepaid expenses for Travel Arrangements when an Insured is prevented from taking his or her Covered Trip due to:

Bankruptcy or Default of an airline or cruise line, or tour operator or travel supplier (other than the tour operator or travel agency from whom the Insured purchased their travel arrangements) causing a complete cessation of travel services more than 14 days following the Insured’s Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow the Insured to transfer to another airline in order to get to the Insured’s intended destination. This benefit only applies if the policy has been purchased prior to or within 24 hours of the Insured’s final payment for the Covered Trip

Bankruptcy means the filing of a petition for voluntary or involuntary bankruptcy in a court of competent jurisdiction under Chapter 7 or Chapter 11 of the United States

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

Bankruptcy or Default of an airline, cruise line, tour operator or travel supplier (other than the tour operator or travel agency from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if the policy has been purchased within 15 days of Your initial payment for the Trip and for the full cost of the Trip;

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

FINANCIAL INSOLVENCY means the total cessation or complete suspension of operations due to insolvency, with or without the filing of a bankruptcy petition, whether voluntary or involuntary, by a tour operator, cruise line, airline, rental car company, hotel, condominium, railroad, motor coach company, or other supplier of travel services which is duly licensed in the state(s) of operation other than the entity or the person, organization, agency or firmfrom whom you directly purchased or paid for your Covered trip provided the Financial Insolvency occurs more than 14 days following your effective date for the Trip Cancellation Benefits. There is no coverage for the total cessation or complete suspension of operations for losses caused by fraud or negligent misrepresentation by the supplier of travel services.

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

Bankruptcy or Financial Default of a Travel Supplier (other than the Travel Supplier from whom the Insured purchased this coverage) which stops service more than 30 days following the Insured’s Effective Date. Bankruptcy or Financial Default of a Travel Supplier within 30 days of the Insured’s Effective Date is excluded from coverage. For the Bankruptcy or Financial Default coverage to apply, the coverage must be purchased within 14 days from the date of the initial deposit for the Covered Trip.

Full Policy Wording

Bankruptcy or Financial Default of a Travel Supplier (other than the Travel Supplier from whom the Insured purchased this coverage) which stops service more than 30 days following the Insured’s Effective Date.

Bankruptcy or Financial Default of a Travel Supplier within 30 days of the Insured’s Effective Date is excluded from coverage. For the Bankruptcy or Financial Default coverage to apply, the coverage must be purchased within 14 days from the date of the initial deposit for the Covered Trip.

Full Policy Wording

Bankruptcy or Financial Default of a Travel Supplier (other than the Travel Supplier from whom the Insured purchased this coverage) which stops service more than 30 days following the Insured’s Effective Date. Bankruptcy or Financial Default of a Travel Supplier within 30 days of the Insured’s Effective Date is excluded from coverage. For the Bankruptcy or Financial Default coverage to apply, the coverage must be purchased within 14 days from the date of the initial deposit for the Covered Trip.

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

Trip Cancellation: Benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, to cover You for the unused non-refundable prepaid expenses for Travel Arrangements, including up to $150 for the cost of airline imposed fees to rebank frequent flyer miles for air flights to join Your Trip when You are prevented from taking Your Trip due to:

Trip Interruption: Benefits will be paid, up to the Maximum Benefit Amount, for the non-refundable, unused portion of the prepaid expenses for land or water Travel Arrangements and the Additional Transportation Cost paid to return home or rejoin the Trip, when You are prevented from completing Your Trip due to:

n. Bankruptcy or Default of an airline, cruise line, tour operator or travel supplier (other than the tour operator or travel agency from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination.

Full Policy Wording

TRIP CANCELLATION & TRIP INTERRUPTION

The Company will pay a benefit, up to the maximum shown on the Confirmation of Coverage, if You are prevented from taking or unable to continue Your Trip due to:

j) Bankruptcy and/or Default of Your Travel Supplier which occurs more than ten (10) days following Your Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased the Land/Sea Arrangements. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination.

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

TRIP CANCELLATION & TRIP INTERRUPTION

a) Bankruptcy or Default of an airline or cruise line, or tour operator (other than the tour operator or travel agency from whom You purchased your travel arrangements) which stops service more than 14 days following Your Effective Date. Your Scheduled Departure Date must be no more than 15 months beyond the Insured’s Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow the Insured to transfer to another airline in order to get to the Insured’s intended destination. This benefit only applies if the policy has been purchased within 21 days of the Insured’s initial payment for the Covered Trip and for the full cost of the Covered Trip;

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

TRIP CANCELLATION AND INTERRUPTION

The Insurer will pay a benefit, up to the Maximum Limit shown on the Schedule, if an Insured cancels his/her Trip or is unable to continue on his/her Trip due to the following events:

c) Financial Default of an airline, cruise line, or tour operator provided the Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits. There is no coverage for the Financial Default of any person, organization, agency, or firm from whom the Insured purchased travel arrangements supplied by others. This coverage applies only if insurance was purchased within 15 calendar days of Initial Trip Payment;

Full Policy Wording

Financial Default of an airline, cruise line, or tour operator provided the Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits. There is no coverage for the Financial Default of any person, organization, agency, or firm from whom the Insured purchased travel arrangements supplied by others. This coverage applies only if insurance was purchased within 15 calendar days of Initial Trip Payment;.

“Financial Default” means the total cessation of operations due to insolvency, with or without the filing of a bankruptcy petition by a tour operator, cruise line, or airline.

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

Financial Default of an airline, cruise line, or tour operator provided the Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits. There is no coverage for the Financial Default of any person, organization, agency, or firm from whom the Insured purchased travel arrangements supplied by others.

“Financial Default” means the total cessation of operations due to insolvency, with or without the filing of a bankruptcy petition by a tour operator, cruise line, or airline.

Full Policy Wording

TRIPCANCELLATION AND INTERRUPTION The Insurer will pay a benefit, up to the Maximum Limit shown on the Schedule, if an Insured cancels his/her Trip or is unable to continue on his/her Trip due to the following Unforeseen events:

c) Financial Default of an airline, cruise line, or tour operator provided the Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits. There is no coverage for the Financial Default of any person, organization, agency, or firm from whom the Insured purchased travel arrangements supplied by others. This coverage applies only if insurance was purchased within 15 calendar days of Initial Trip Payment;

Full Policy Wording

Financial Default of an airline, cruise line, or tour operator resulting in the complete cessation of services. Financial Default occurring on or before the Insured’s coverage effective date or less than fourteen days after the Insured’s coverage effective date will not be covered. This coverage applies only if insurance was purchased within fifteen calendar days of Initial Trip payment. (Day one is the date the initial Trip payment is received).

Full Policy Wording

TRIP CANCELLATION AND INTERRUPTION

The Insurer will pay a benefit, up to the Maximum Limit shown on the Schedule, if an Insured cancels his/her Trip or is unable to continue on his/her Trip due to the following Unforeseen events:

b) Financial Default of an airline, cruise line, or tour operator provided the Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits. There is no coverage for the Financial Default of any person, organization, agency, or firm from whom the Insured purchased travel arrangements supplied by others. This coverage applies only if insurance was purchased within 15 calendar days of Initial Trip Payment;

Full Policy Wording

TRIP CANCELLATION AND INTERRUPTION

The Company will pay a benefit, up to the Maximum Limit shown on the Schedule of Benefits or Declarations Page, if an Insured cancels his/her Trip or is unable to continue on his/her Trip due to the following Unforeseen events

Financial Default of an airline, cruise line, or tour operator provided the Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits. There is no coverage for the Financial Default of any person, organization, agency, or firm from whom the Insured purchased travel arrangements supplied by others. This coverage applies only if insurance was purchased within 15 days of Initial Trip Payment.

“Financial Default” means the total cessation or partial suspension of operations due to insolvency, with or without the filing of a bankruptcy petition by a tour operator, cruise line, or airline

Full Policy Wording

Financial Default of an airline, cruise line, or tour operator resulting in the complete cessation of services. Excluded is the organization from which the Insured purchased his/her Trip and this coverage. Financial Default occurring on or before the Insured’s coverage effective date or less than fourteen days after the Insured’s coverage effective date will not be covered. This coverage applies only if insurance was purchased within fifteen calendar days of “Initial Trip payment”.

“Initial trip payment” means the date the first deposit is made to the Insured’s Travel Agent toward the cost of his/her Trip;

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

The Insurer will pay a benefit, up to the Maximum Limit shown on the Schedule, if an Insured cancels his/her Trip or is unable to continue on his/her Trip due to the following Unforeseen events:

c) Financial Default of an airline, cruise line, or tour operator provided the Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits. There is no coverage for the Financial Default of any person, organization, agency, or firm from whom the Insured purchased travel arrangements supplied by others. This coverage applies only if insurance was purchased within 15 calendar days of Initial Trip Payment;

Full Policy Wording

TRIP CANCELLATION AND INTERRUPTION

The Company will pay a benefit, up to the Maximum Limit shown on the Schedule of Benefits or Declarations Page, if an Insured cancels his/her Trip or is unable to continue on his/her Trip due to the following Unforeseen events:

b) Financial Default of an airline, cruise line, or tour operator provided the Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits. There is no coverage for the Financial Default of any person, organization, agency, or firm from whom the Insured purchased travel arrangements supplied by others. This coverage applies only if insurance was purchased within 15 days of Initial Trip Payment;

Full Policy Wording

TRIP CANCELLATION AND INTERRUPTION

The Insurer will pay a benefit, up to the Maximum Limit shown on the Schedule, if an Insured cancels his/her Trip or is unable to continue on his/her Trip due to the following Unforeseen events:

b) Financial Default of an airline, cruise line, or tour operator provided the Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits. There is no coverage for the Financial Default of any person, organization, agency, or firm from whom the Insured purchased travel arrangements supplied by others. This coverage applies only if insurance was purchased within 21 calendar days of Initial Trip Payment;

Full Policy Wording

The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are prevented from taking or continuing Your Trip due to the following Unforeseen events:

Bankruptcy or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Coverage is not provided for the Bankruptcy or Default of the travel agent or Travel Supplier that solicited Your policy and from whom You purchased Your Land/Sea Arrangements. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. You must purchase Your policy within 30 days of Your initial Trip deposit.

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

TRIP CANCELLATION & TRIP INTERRUPTION BENEFITS

Trip Cancellation and Interruption Covered Reasons

4. arrangements canceled by a tour operator, cruise line, airline, rental car company, hotel, condominium, railroad, motor coach company, or other supplier of travel services, resulting from Financial Insolvency;

Financial Insolvency means complete suspension of operations due to insolvency, with or without the filing of a bankruptcy petition, whether voluntary or involuntary, by a tour operator, cruise line, airline, rental car company, hotel, condominium, railroad, motor coach company, or other supplier of travel services other than the person, organization, agency or fi rm from whom you directly purchased or paid for your Covered Trip provided the Financial Insolvency occurs more than 14 days following your effective date for the Trip Cancellation Benefits. There is no coverage for the complete suspension of operations for losses caused by fraud or negligent misrepresentation by the supplier of travel services.

Full Policy Wording

We will reimburse You up to the Maximum Benefit Amount for Trip Cancellation or Trip Interruption, for Bankruptcy or Default of a Travel Supplier, other than the travel agency or organization from whom You purchased the Travel Arrangements. Benefits are provided only for the expenses charged by the Travel Supplier whose Bankruptcy or Default results in loss covered by this Policy and which stops service:

a) more than 14 days following Your Effective Date for Trip Cancellation; or
b) after Your Scheduled Departure Date for Trip Interruption; provided You purchased this insurance within 21 days from the date You paid the initial deposit on Your Covered Trip.

No coverage is provided for the total cessation or complete suspension of operations by a Travel Supplier caused by fraud or negligent misrepresentation by such Travel Supplier.

Full Policy Wording

We will reimburse You up to the Maximum Benefit Amount for Trip Cancellation or Trip Interruption, for Bankruptcy or Default of a Travel Supplier, other than the travel agency or organization from whom You purchased the Travel Arrangements. Benefits are provided only for the expenses charged by the Travel Supplier whose Bankruptcy or Default results in loss covered by this Policy and which stops service:

a) more than 14 days following Your Effective Date for Trip Cancellation; or
b) after Your Scheduled Departure Date for Trip Interruption; provided You purchased this insurance within 21 days from the date You paid the initial deposit on Your Covered Trip.

No coverage is provided for the total cessation or complete suspension of operations by a Travel Supplier caused by fraud or negligent misrepresentation by such Travel Supplier.

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

Trip Cancellation:
Benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, to cover You for the unused non-refundable prepaid expenses for Travel Arrangements, including up to $150 for the cost of airline-imposed fees to rebank frequent flyer miles for air flights to join Your Trip when You are prevented from taking Your Trip due to:

Trip Interruption:
Benefits will be paid, up to the Maximum Benefit Amount, for the non-refundable, unused portion of the prepaid expenses for land or water Travel Arrangements and the Additional Transportation Cost paid to return home or rejoin the Trip, when You are prevented from completing Your Trip due to:

n. Bankruptcy or Default of an airline, cruise line, tour operator or travel supplier (other than the tour operator or travel agency from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if the policy has been purchased within 21 days of Your initial payment for the Trip and for the full cost of the Trip;

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

There is no Financial Default coverage with this plan.

Full Policy Wording

There is no Financial Default coverage with this plan.