Full Policy Wording

There is no Trip Cancellation coverage with this plan.

Full Policy Wording

Pre-Departure Trip Cancellation
We will pay a Pre-Departure Trip Cancellation Benefit, up to the amount in the Schedule, if you are prevented from taking your Covered Trip due to your, your Family Member’s, or Traveling Companion’s Sickness, Injury, or death that occurs before departure on your Covered Trip. The Sickness or Injury must:
a) commence while your coverage is in effect under the plan;
b) require the examination and treatment by a Physician, in person, at the time the Covered Trip is canceled; and
c) in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Covered Trip.

We will pay a benefit if you are prevented from taking your Covered Trip due to Other Covered Events, as defined, that occur before departure on your Covered Trip.

Pre-Departure Trip Cancellation Benefits
We will reimburse you, up to the amount in the Schedule, for the amount of forfeited, prepaid, non-refundable, non-refunded, and unused published payments or deposits that you paid for your Covered Trip. We will pay your additional cost as a result of a change in the per-person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Covered Trip is canceled and your Covered Trip is not canceled.
OTHER COVERED EVENTS means only the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy:
1. Common Carrier delays resulting from inclement weather, or mechanical breakdown of the aircraft, ship or boat or motor coach on which you are scheduled to travel, or organized labor strikes that affect public transportation;
2. arrangements canceled by an airline, cruise line, motor coach company, or tour operator, resulting from inclement weather, mechanical breakdown of the aircraft, ship or boat or motor coach on which the Insured is scheduled to travel, or organized labor strikes that affect public transportation;
Items 1 and 2 above are subject to the following conditions:
a. 
the scheduled carrier connecting times must meet airline required legal minimum connect times; and
b. 
the scheduled time between arrival at the Scheduled Trip Departure City and the scheduled trip departure must be 2 hours or longer.
3. 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;
Item 3 above is subject to your plan payment being received prior to/or within 24 hours of final payment for your Covered Trip;
4. a change in plans by you, a Family Member traveling with you, or Traveling Companion resulting from one of the following events which occurs while coverage is in effect under this Policy:
a. 
being directly involved in a documented traffic accident while en route to departure;
b. 
being hijacked, quarantined (except as a result of a pandemic or epidemic), required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, a Family Member traveling with you or a Traveling Companion is not 1) A party to the legal action, or 2) Appearing as a law enforcement officer;
c. 
your Home made Uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;
d. 
your Accommodation at your destination made Uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;
e. 
mandatory evacuation or public official evacuation advisements where there is no mandatory evacuation issued by local government authorities at your destination due to adverse weather or natural disaster. In order to cancel or interrupt your Covered Trip, you must have 4 days or 50% of your total Covered Trip length or less remaining on your Covered Trip at the time the mandatory evacuation ends;
f. 
being called into active military service to provide aid or relief in the event of a natural disaster;
g. a documented theft of passports or visas;
h. a transfer of employment of 250 miles or more;
i. 
a Terrorist Act which occurs in your departure city or in a city which is a scheduled destination for your Covered Trip, provided the Terrorist Act occurs within 7 days of the Scheduled Departure Date for your Covered Trip;
j. 
your involuntary termination of employment or layoff, which occurs more than 15 days after your effective date of coverage and was not under your control. You must have been continuously employed with the same employer for 1 year prior to the termination or layoff. This provision is not applicable to temporary employment, independent contractors or self-employed persons;
k. 
your or your Traveling Companion’s or traveling Family Member’s approved, written military leave involuntarily revoked as a result of being temporarily or permanently reassigned, being called to active military reserve or an extension of deployment beyond a defined tour of duty within 30 days of your departure date. All leave must be approved prior to the Policy effective date. Full or partial mobilization or mass reassignment of Armed Forces, invocation of the War Powers Act, base or unit mobilization is not covered;
l. 
the primary or secondary school where you or your traveling Family Member or Traveling Companion attend(s) must extend its operating session beyond its predefined school year, due to unforeseeable events commencing during the policy effective period, which cause the extension of the predefined school year and the travel dates for the Covered Trip fall within the period of the school year extension. Extensions due to extra-curricular or athletic events are not covered;
m. your host at your destination is hospitalized or dies.

Full Policy Wording

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 when You are prevented from taking Your Trip due to:

1. Death involving You or Your Traveling Companion or Your or Your Traveling Companion’s Business Partner or Your Family Member;
2. A covered Sickness or Injury involving You, Your Traveling Companion or Business Partner, or Your Family Member which necessitates Medical Treatment at the time of cancellation and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents Your participation in the Trip; or
3. For the Other Covered Reasons listed below; provided such circumstances occurred after Your Effective Date.

Other Covered Reasons means:
a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date) served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);
b. Your or Your Traveling Companion’s principal place of residence or destination being rendered uninhabitable by fire, flood, burglary or other natural disaster within 10 days of departure;
c. Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire, flood, burglary or other natural disaster and You and/or Your Traveling Companion are required to work as a result;
d. a documented theft of passports or visas;
e. a permanent transfer of employment of 250 miles or more; f. You or Your Traveling Companion being directly involved in a traffic accident, which must be substantiated by a police report, while en route to Your scheduled point of departure;
g. Unannounced Strike that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
h. Inclement Weather that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
i. mechanical breakdown that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
j. You or Your Traveling Companion is in the Military and called to emergency duty for a national disaster other than war.

Trip Cancellation: The maximum payable under this benefit is the lesser of a) the Maximum Benefit Amount shown in the Schedule of Benefits; or b) the total amount of coverage You purchased.

Full Policy Wording

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 $100 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:

1. Death involving You or Your Traveling Companion or Your or Your Traveling Companion’s Business Partner or Your Family Member;
2. A covered Sickness or Injury involving You, Your Traveling Companion or Business Partner, or Your Family Member which necessitates Medical Treatment at the time of cancellation and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents Your participation in the Trip; or
3. For the Other Covered Reasons listed below;
provided such circumstances occurred after Your Effective Date.

Other Covered Reasons means:

a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date) served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);
b. Your or Your Traveling Companion’s principal place of residence or destination being rendered uninhabitable by fire, flood, burglary or other natural disaster within 10 days of departure;
c. Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire, flood, burglary or other natural disaster and You and/or Your Traveling Companion are required to work as a result;
d. a documented theft of passports or visas;
e. a permanent transfer of employment of 250 miles or more;
f. You or Your Traveling Companion being directly involved in a traffic accident, which must be substantiated by a police report, while en route to Your scheduled point of departure;
g. Unannounced Strike that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
h. Inclement Weather that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
i. mechanical breakdown that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
j. You or Your Traveling Companion is in the Military and called to emergency duty for a national disaster other than war;
k. Involuntary employer termination or layoff affecting You or a person(s) sharing the same room with You during Your Trip. Employment must have been with the same employer for at least 1 continuous year;
l. A Terrorist Incident that occurs in a city listed on the itinerary of Your Trip and within 30 days prior to Your Scheduled Departure Date. Benefits are not provided if the Travel Supplier offers a substitute itinerary;
m. Revocation of Your previously granted leave or reassignment due to war. Official written revocation/ re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;
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 15 days of Your initial payment for the Trip and for the full cost of the Trip;
o. Your family or friends living abroad with whom You were planning to stay are unable to provide accommodations due to life threatening illness, life threatening injury or death of one of them;
p. You or Your Traveling Companion are required to work during the Trip. A written statement by a company officer and/or the Human Resources department demonstrating revocation of previously approved time off will be required;
q. mandatory evacuation or public official evacuation advisements where there is no mandatory evacuation issued by local government authorities at Your destination due to adverse weather or natural disaster. In order to cancel Your Trip, You must have 4 days or 50% of Your total Trip length or less remaining on Your Trip at the time the mandatory evacuation ends;
r. felonious assault of You or Your Traveling Companion within 10 days of the Scheduled Departure Date;
s. You or Your Traveling Companion are directly involved in the merger of Your employer or the acquisition of Your employer by another company;
t. a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 15 days following Your effective date of coverage for the Trip Cancellation Benefits;
u. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.

Trip Cancellation: The maximum payable under this benefit is the lesser of a) the Maximum Benefit Amount shown in the Schedule of Benefits; or b) the total amount of coverage You purchased. Benefits will be paid, up to $150, for the cost of an airlineimposed change or reissue fee if Your Trip is canceled by a Travel Supplier of land or water Travel Arrangements.

Full Policy Wording

There is no Trip Cancellation coverage with this plan.

Full Policy Wording

There is no Trip Cancellation coverage with this plan.

Full Policy Wording

Pre-Departure Trip Cancellation

We will pay a Pre-Departure Trip Cancellation Benefit, up to the amount in the Schedule, if you are prevented from taking your Covered Trip due to your, your Family Member’s, or Traveling Companion’s Sickness, Injury, or death that occurs before departure on your Covered Trip. The Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) require the examination and treatment by a Physician, in person, at the time the Covered Trip is canceled; and c) in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Covered Trip. We will pay a benefit if you are prevented from taking your Covered Trip due to Other Covered Events, as defined, that occur before departure on your Covered Trip.

Pre-Departure Trip Cancellation Benefits

We will reimburse you, up to the amount in the Schedule, for the amount of forfeited, prepaid, non-refundable, non-refunded, and unused published payments or deposits that you paid for your Covered Trip. We will pay your additional cost as a result of a change in the per-person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Covered Trip is canceled and your Covered Trip is not canceled.

Full Policy Wording

There is no Trip Cancellation coverage with this plan.

Full Policy Wording

There is no Trip Cancellation coverage with this plan.

Full Policy Wording

There is no Trip Cancellation coverage with this plan.

Full Policy Wording

There is no Trip Cancellation coverage with this plan.

Full Policy Wording

Trip Cancellation:
We will pay for non-refundable, unused payments and deposits, not to exceed the lesser of the amount of the total trip protection purchased, or the Maximum Benefit shown on the Certificate Schedule, if the Insured’s Covered Trip is cancelled or interrupted for any one of the following reasons which occurs after the Insured’s Effective Date:

1.Illness, Injury or Death to the Insured Person, an Insured’s Family Member, a Travel Companion or a Travel Companions Family Member. Injury or Illness must be so disabling as to reasonably cause a Covered Trip to be delayed, cancelled or interrupted upon the advice of a Physician.

2. 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.

3.A Terrorist Incident after the Effective Date, if the Insured is scheduled to arrive at their Destination within 10 days following the Terrorist Incident and, for Trip Interruption, the Travel Supplier is not offering a substitute itinerary. Coverage for travel to the Insured’s Destination for which travel warnings have been issued at the time this coverage is purchased is excluded. Coverage for travel to the Insured’s Destination in which such a documented and reported Terrorist Incident has occurred in the 12 months prior to the purchase of the coverage is excluded.

4.Organized Labor Strike, natural disasters or bad weather resulting in the complete cessation of services by a Travel Supplier for at least 24 consecutive hours.

5.Insured Person or Travel Companion being hijacked, medically quarantined by order of a governmental health authority.

6. Jury Duty when a jury summons is issued after the Insured’s Effective Date or the Insured Person is served with a court order issued after the Insured’s Effective Date requiring the Insured Person to appear during the time period for the Covered Trip.

7.Insureds or Travel Companions home made uninhabitable by fire, windstorm, vandalism or flood.

8.A traffic Accident directly involving either the Insured Person or Travel Companion, substantiated by a police report, while en route to a scheduled departure point.

9.The Insured Person or Travel Companion, who is on active military duty in the United States Armed Forces or an active duty police officer or fire fighter: (1) having his or her personal leave revoked within 10 days prior to his or her Departure Date (as long as such revocation is in writing by a superior officer and is not due to war-related situations, Terrorist Incident, invocation of the War Powers Act, base or unit mobilization, unit reassignment for any reason, or disciplinary action); or (2) personal reassignment within 10 days prior to his or her Departure Date, whether temporary or permanent.

10.Employee termination or layoff if the Insured Person has been employed by the same employer for at least 1 year prior to the Insured’s Effective Date.

Full Policy Wording

We will pay for non-refundable, unused payments and deposits, not to exceed the lesser of the amount of the total trip protection purchased, or the Maximum Benefit shown on the Certificate Schedule, if the Insured’s Covered Trip is cancelled for any one of the following reasons which occurs after the Insured’s Effective Date:

A. Illness, Injury or Death to the Insured Person, an Insured’s Family Member, a Travel Companion or a Travel Companions Family Member. Injury or Illness must be so disabling as to reasonably cause a Covered Trip to be delayed or cancelled upon the advice of a Physician.

B. 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.

C.A Terrorist Incident after the Effective Date, if the Insured is scheduled to arrive at their Destination within 10 days following the Terrorist Incident. Coverage for travel to the Insured’s Destination for which travel warnings have been issued at the time this coverage is purchased is excluded. Coverage for travel to the Insured’s Destination in which such a documented and reported Terrorist Incident has occurred in the 12 months prior to the purchase of the coverage is excluded.

D. Organized Labor Strike, natural disasters or bad weather resulting in the complete cessation of services by a Travel Supplier for at least 24 consecutive hours.

E. Insured Person or Travel Companion being hijacked, medically quarantined by order of a governmental health authority.

F. Jury Duty when a jury summons is issued after the Insured’s Effective Date or the Insured Person is served with a court order issued after the Insured’s Effective Date requiring the Insured Person to appear during the time period for the Covered Trip.

G. Insured’s or Travel Companions home made uninhabitable by fire, windstorm, vandalism or flood.

H. A traffic Accident directly involving either the Insured Person or Travel Companion, substantiated by a police report, while en route to a scheduled departure point.

I. The Insured Person or Travel Companion, who is on active military duty in the United States Armed Forces or an active duty police officer or fire fighter:

(1) having his or her personal leave revoked within 10 days prior to his or her Departure Date (as long as such revocation is in writing by a superior officer and is not due to war-related situations, Terrorist Incident, invocation of the War Powers Act, base or unit mobilization, unit reassignment for any reason, or disciplinary action); or

(2) personal reassignment within 10 days prior to his or her Departure Date, whether temporary or permanent.

J. Employee termination or layoff if the Insured Person has been employed by the same employer for at least 1 year prior to the Insured’s Effective Date

Full Policy Wording

Trip Cancellation:
We will pay for non-refundable, unused payments and deposits, not to exceed the lesser of the amount of the total trip protection purchased, or the Maximum Benefit shown on the Certificate Schedule, if the Insured’s Covered Trip is cancelled or interrupted for any one of the following reasons which occurs after the Insured’s Effective Date:

1.Illness, Injury or Death to the Insured Person, an Insured’s Family Member, a Travel Companion or a Travel Companions Family Member. Injury or Illness must be so disabling as to reasonably cause a Covered Trip to be delayed, cancelled or interrupted upon the advice of a Physician.

2. 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.

3.A Terrorist Incident after the Effective Date, if the Insured is scheduled to arrive at their Destination within 10 days following the Terrorist Incident and, for Trip Interruption, the Travel Supplier is not offering a substitute itinerary. Coverage for travel to the Insured’s Destination for which travel warnings have been issued at the time this coverage is purchased is excluded. Coverage for travel to the Insured’s Destination in which such a documented and reported Terrorist Incident has occurred in the 12 months prior to the purchase of the coverage is excluded.

4.Organized Labor Strike, natural disasters or bad weather resulting in the complete cessation of services by a Travel Supplier for at least 24 consecutive hours.

5.Insured Person or Travel Companion being hijacked, medically quarantined by order of a governmental health authority.

6. Jury Duty when a jury summons is issued after the Insured’s Effective Date or the Insured Person is served with a court order issued after the Insured’s Effective Date requiring the Insured Person to appear during the time period for the Covered Trip.

7.Insureds or Travel Companions home made uninhabitable by fire, windstorm, vandalism or flood.

8.A traffic Accident directly involving either the Insured Person or Travel Companion, substantiated by a police report, while en route to a scheduled departure point.

9.The Insured Person or Travel Companion, who is on active military duty in the United States Armed Forces or an active duty police officer or fire fighter: (1) having his or her personal leave revoked within 10 days prior to his or her Departure Date (as long as such revocation is in writing by a superior officer and is not due to war-related situations, Terrorist Incident, invocation of the War Powers Act, base or unit mobilization, unit reassignment for any reason, or disciplinary action); or (2) personal reassignment within 10 days prior to his or her Departure Date, whether temporary or permanent.

10.Employee termination or layoff if the Insured Person has been employed by the same employer for at least 1 year prior to the Insured’s Effective Date.

Full Policy Wording

There is no Trip Cancellation 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 when You are prevented from taking Your Trip due to:
1. Death involving You or Your Traveling Companion or Your or Your Traveling Companion’s Business Partner or Your Family Member;
2. A covered Sickness or Injury involving You, Your Traveling Companion or Business Partner, or Your Family Member which necessitates Medical Treatment at the time of cancellation and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents Your participation in the Trip; or
3. For the Other Covered Reasons listed below;

provided such circumstances occurred after Your Effective Date.

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:
1. Death involving You or Your Traveling Companion or Your or Your Traveling Companion’s Business Partner or Your Family Member;
2. A covered Sickness or Injury involving You, Your Traveling Companion or Business Partner, or Your Family Member which necessitates Medical Treatment at the time of interruption and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents Your continued participation in the Trip; or
3. For the Other Covered Reasons listed below;

provided such circumstances occurred after Your Effective Date.

Other Covered Reasons means:
a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date) served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);
b. Your or Your Traveling Companion’s principal place of residence or destination being rendered uninhabitable by fire, flood, burglary or other natural disaster within 10 days of departure;
c. Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire, flood, burglary or other natural disaster and You and/or Your Traveling Companion are required to work as a result;
d. a documented theft of passports or visas;
e. a permanent transfer of employment of 250 miles or more;
f. You or Your Traveling Companion being directly involved in a traffic accident, which must be substantiated by a police report, while en route to Your scheduled point of departure;
g. unannounced Strike that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
h. Inclement Weather that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
i. mechanical breakdown that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
j. You or Your Traveling Companion is in the Military and called to emergency duty for a national disaster other than war;
k. a Terrorist Incident that occurs in a city listed on the itinerary of Your Trip and within 30 days prior to Your Scheduled Departure Date. Benefits are not provided if the Travel Supplier offers a substitute itinerary.

Additional Trip Interruption Benefits: If Your Traveling Companion must remain hospitalized, benefits will also be paid for reasonable accommodation and transportation expenses incurred by You to remain with Your Traveling Companion up to $125 per day, limited to 5 days.

If You cannot continue travel due to a covered Injury or Sickness not requiring hospitalization, and You must extend Your Trip due to medically imposed restrictions, as certified by a Legally Qualified Physician, benefits will be paid for additional hotel nights up to $125 per day, limited to 5 days.

For Trip Cancellation or Interruption:

Trip Cancellation: The maximum payable under this benefit is the lesser of a) the Maximum Benefit Amount shown in the Schedule of Benefits; or b) the total amount of coverage You purchased.

Trip Interruption: The maximum payable under this benefit is the lesser of a) the Maximum Benefit Amount shown in the Schedule of Benefits; or b) the total amount of coverage You purchased.

Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for prepaid Travel Arrangements if Your Family Member or Your Traveling Companion has his/ her Trip delayed, canceled or interrupted for a covered reason and You do not cancel.

These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.

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:
1. Death involving You or Your Traveling Companion or Your or Your Traveling Companion’s Business Partner or Your Family Member;
2. A covered Sickness or Injury involving You, Your Traveling Companion or Business Partner, or Your Family Member which necessitates Medical Treatment at the time of cancellation and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents Your participation in the Trip; or
3. For the Other Covered Reasons listed below;

provided such circumstances occurred after Your Effective Date.

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:
1. Death involving You or Your Traveling Companion or Your or Your Traveling Companion’s Business Partner or Your Family Member;
2. A covered Sickness or Injury involving You, Your Traveling Companion or Business Partner, or Your Family Member which necessitates Medical Treatment at the time of interruption and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents Your continued participation in the Trip; or
3. For the Other Covered Reasons listed below;

provided such circumstances occurred after Your Effective Date.

Other Covered Reasons means:
a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date) served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);
b. Your or Your Traveling Companion’s principal place of residence or destination being rendered uninhabitable by fire, flood, burglary or other natural disaster within 10 days of departure;
c. Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire, flood, burglary or other natural disaster and You and/or Your Traveling Companion are required to work as a result;
d. a documented theft of passports or visas;
e. a permanent transfer of employment of 250 miles or more;
f. You or Your Traveling Companion being directly involved in a traffic accident, which must be substantiated by a police report, while en route to Your scheduled point of departure;
g. unannounced Strike that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
h. Inclement Weather that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
i. mechanical breakdown that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
j. You or Your Traveling Companion is in the Military and called to emergency duty for a national disaster other than war;
k. involuntary employer termination or layoff affecting You or a person(s) sharing the same room with You during Your Trip. Employment must have been with the same employer for at least 1 continuous year;
l. a Terrorist Incident that occurs in a city listed on the itinerary of Your Trip and within 30 days prior to Your Scheduled Departure Date. Benefits are not provided if the Travel Supplier offers a substitute itinerary;
m. revocation of Your previously granted leave or reassignment due to war. Official written revocation/ re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;
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.
o. Your family or friends living abroad with whom You were planning to stay are unable to provide accommodations due to life threatening illness, life threatening injury or death of one of them;
p. You or Your Traveling Companion are required to work during the Trip. A written statement by a company officer and/or the Human Resources department demonstrating revocation of previously approved time off will be required;
q. mandatory evacuation or public official evacuation advisements where there is no mandatory evacuation issued by local government authorities at Your destination due to adverse weather or natural disaster. In order to cancel Your Trip, You must have 4 days or 50% of Your total Trip length or less remaining on Your Trip at the time the mandatory evacuation ends;
r. felonious assault of You or Your Traveling Companion within 10 days of the Scheduled Departure Date;
s. You or Your Traveling Companion are directly involved in the merger of Your employer or the acquisition of Your employer by another company;
t. a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 15 days following Your effective date of coverage for the Trip Cancellation Benefits;
u. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.

Additional Trip Interruption Benefits: If Your Traveling Companion must remain hospitalized, benefits will also be paid for reasonable accommodation and transportation expenses incurred by You to remain with Your Traveling Companion up to $250 per day, limited to 5 days.

If You cannot continue travel due to a covered Injury or Sickness not requiring hospitalization, and You must extend Your Trip due to medically imposed restrictions, as certified by a Legally Qualified Physician, benefits will be paid for additional hotel nights up to $250 per day, limited to 5 days.

If You interrupt Your Trip for a covered reason, We will also reimburse You, up to $500, for the amount of unused, forfeited, non-refundable payments for shore excursions; theater, concert or event tickets or fees; or sightseeing if such arrangements are made during Your Trip and are to be used prior to the Scheduled Return Date of Your Trip.

For Trip Cancellation or Interruption:

Trip Cancellation: The maximum payable under this benefit is the lesser of a) the Maximum Benefit Amount shown in the Schedule of Benefits; or b) the total amount of coverage You purchased. Benefits will be paid, up to $150, for the cost of an airlineimposed change or reissue fee if Your Trip is canceled by a Travel Supplier of land or water Travel Arrangements.

Trip Interruption: The maximum payable under this benefit is the lesser of a) the Maximum Benefit Amount shown in the Schedule of Benefits; or b) 150% of the total amount of coverage You purchased.

Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for prepaid Travel Arrangements if Your Family Member or Traveling Companion has his/her Trip delayed, canceled or interrupted for a covered reason and You do not cancel.

In the event a cruise/tour supplier makes a change in Your Trip itinerary after Your Scheduled Departure Date, which prevents You from participating in an event/activity prepaid prior to departure and scheduled on Your Trip itinerary, non-refundable prepaid event/activity expenses will be payable up to $250. Benefits will not be paid if a comparable event/activity of equivalent cost is rescheduled during the course of the Trip.

These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.

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:
a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member or Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
b) You or a Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of felonious assault within ten (10) days of departure; or having his/her principal place of residence made uninhabitable by fire, flood or other natural disaster; or burglary of his/her principal place of residence within ten (10) days of departure.
c) You or a Traveling Companion being directly involved in a traffic accident substantiated by a police report, while en route to departure.
d) A transfer of You by the employer with whom You are employed on the Effective Date that requires Your principal residence to be relocated.
e) The death or hospitalization of Your Host at Destination.
f) A Terrorist Incident that occurs in a city listed on Your Trip itinerary and within thirty (30) days prior to Your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the ninety (90) days prior to the Terrorist Incident that is causing the cancellation of Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date.
g) You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty for a natural disaster other than war.
h) Strike that causes complete cessation of services for at least forty-eight (48) consecutive hours.
i) Weather that causes complete cessation of services of Your Common Carrier for at least forty-eight (48) consecutive hours.
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.
k) You are terminated, or laid off from employment subject to five (5) years of continuous employment at the place of employment where terminated.
l) Natural disaster at the site of Your destination that renders the destination accommodations uninhabitable.

TRIP CANCELLATION The Company will reimburse You for the following if Your Trip is cancelled for any of the reasons listed above under Trip Cancellation/Trip Interruption:

Non-refundable cancellation charges imposed by the Travel Suppliers.

If the Travel Supplier cancels Your Trip, You are covered up to $75.00 for the reissue fee charged by the airline for the tickets. You must have covered the entire cost of the Trip including the airfare. In no event shall the amount reimbursed exceed the amount You prepaid for the Trip up to the maximum benefit shown on the Confirmation of Coverage.

SPECIAL CONDITIONS: You must advise the Travel Supplier and the Company as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Travel Supplier as soon as reasonably possible.

SINGLE OCCUPANCY COVERAGE
The Company will reimburse You, up to the maximum shown on the Confirmation of Coverage for Trip Cancellation, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with You has his/her Trip delayed, canceled, or interrupted for a covered reason and You do not cancel. (This was previously located under Trip Cancellation)

Full Policy Wording

There is no Trip Cancellation coverage with this plan.

Full Policy Wording

There is no Trip Cancellation coverage with this plan.

Full Policy Wording

There is no Trip Cancellation coverage with this plan.

Full Policy Wording

COVERAGE D

TRIP CANCELLATION

This Coverage D is made a part of the policy. It is subject to all the provisions of this Coverage D

Benefits will be paid up to the Maximum Benefit Amount purchased to cover You for the Published Penalties and unused non-refundable prepaid expenses for Travel Arrangements when You are prevented from taking Your Covered Trip due to:
1. Death involving You or Your Traveling Companion or You or Your Traveling Companions Business Partner or You or Your Traveling Companions Family Member;
2. A covered Sickness or Injury involving You, Your Traveling Companion or Business Partner, or Your Family Member or You or Your Traveling Companions Family member which necessitates Medical Treatment at the time of cancellation and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents an Insured’s participation in the Covered Trip;
3. Your or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after the Effective Date) served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);
4. You or Your Traveling Companion’s principal place of residence being rendered uninhabitable by unforeseen circumstances or burglary of primary residence within 10 days of departure;
5. You or Your or Traveling Companion being directly involved in a traffic accident, which must be substantiated by a police report, while en route to an Insured’s scheduled point of departure;
6. Strike that causes complete cessation of services of Your Common Carrier for at least 48 consecutive hours;
7. Felonious Assault on You or on Your Traveling Companion within 10 days of the scheduled Departure Date;
8. You or Your Traveling Companion is in the Military and called to emergency duty for a national disaster other than war;
9. Employer termination or layoff affecting You or a person(s) sharing the same room with You during Your Covered Trip. Employment must have been with the same employer for at least 3 continuous years.

Provided such circumstances occurred after Your Date.

All cancellations must be reported to the Travel Supplier within 72 hours of the event causing the need to cancel. If the event delays the reporting of the cancellation beyond the 72 hours, the event should be reported as soon as possible. All other delays of reporting beyond 72 hours will result in reduced benefit payments.

If Your Travel Supplier cancels Your Covered Trip, You are covered up to $75.00 for the reissue fee charged by the airline for the tickets. You must have covered the entire cost of the Covered Trip including the air.

The maximum payable under this benefit is the lesser of a) total cost of the Insured’s Covered Trip; or b) the total amount of coverage the Insured purchased.

Single Supplement
Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for prepaid Travel Arrangements if a Traveling Companion has their Covered Trip delayed, canceled or interrupted for a covered reason and an Insured does not cancel.

These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy. The Maximum Benefit Amount is shown in the Confirmation of Benefits.

OPTIONAL PURCHASE – TRIP CANCELLATION

If You purchase the plan within 21 days of the date of the initial payment for Your Covered Trip and pay the additional required cost, the following are covered reasons under Trip Cancellation:
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;
b) Weather that causes complete cessation of services of Your Common Carrier for at least 48 consecutive hours;
c) A Terrorist Incident that occurs in a city listed on the itinerary of Your Covered Trip and within 30 days prior to Your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the 90 days prior to the Terrorist Incident that is causing Your cancellation of the Covered Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. 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;
d) Pre-Existing Conditions, as defined in the Definitions section are waived if this plan is purchased within 21 days from the time the initial Covered Trip deposit is paid.

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:
a) Sickness, Injury or death of an Insured, Family Member, Traveling Companion, or Business Partner;
1) Injury or Sickness of an Insured, Traveling Companion or Family Member traveling with the Insured must be so disabling as to reasonably cause a Trip to be cancelled or interrupted, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
2) If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of a Family Member not traveling with the Insured, it must be because their condition is life-threatening, as certified by a Physician or because they require the Insured’s care.
3) Injury or Sickness of the Business Partner must be so disabling as to reasonably cause the Insured to cancel or interrupt the Trip to assume daily management of the business. Such disability must be certified by a Physician.
b) Inclement Weather causing delay or cancellation of travel for at least 24 consecutive hours;
c) Strike resulting in complete cessation of travel services at the point of departure or Destination;
d) the Insured’s Primary Residence being made Uninhabitable by Natural Disaster, vandalism, or burglary;
e) the Insured’s Destination being made Uninhabitable by a flood, tornado, earthquake, fire, wildfire, volcanic eruption, or blizzard that is due to natural causes, vandalism, or burglary;
f) the Insured, or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;
g) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival;
h) the Insured or Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least one year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, independent contractors or self-employed persons;
i) a named hurricane causing cancellation of travel to the Insured’s Destination that is Inaccessible or Uninhabitable. The Insurer will only pay benefits for losses occurring within 30 calendar days after the named hurricane makes the Insured’s Destination Inaccessible or Uninhabitable. Benefits are not payable if a hurricane is named on or before the effective date of the Insured’s Trip Cancellation coverage.

SPECIAL NOTIFICATION OF CLAIM

The Insured must notify Travel Guard as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. If the Insured is unable to provide cancellation notice within the required timeframe, the Insured must provide proof of the circumstance that prevented timely notification.

Trip Cancellation Benefits: The Insurer will reimburse the Insured for forfeited Trip Cost up to the Maximum Limit shown on the Schedule for Trips that are canceled prior to the scheduled departure for their Trip due to the Unforeseen events shown above.

Trip Interruption Benefits: The Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for Trips that are interrupted due to the Unforeseen events shown above:
a) forfeited, insured Trip Cost, and
b) additional transportation expenses incurred by the Insured, either (i) to the Return Destination; or (ii)from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or
c) additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and leaves after the Departure Date.

However, the benefit payable under (b) and © above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket less any refunds paid or payable by the most direct route.

Trip Interruption – Return Air Only: The Insurer will reimburse the Insured for the additional transportation expenses incurred to reach the Return Destination due to one of the Unforeseen events listed in the Trip Cancellation/Trip Interruption section. However, the benefit payable will not exceed the cost of economy airfare (or the same class as the Insured’s original ticket) less any refunds paid or payable and taken by the most direct route.

SINGLE OCCUPANCY

The Insurer will reimburse the Insured, up to the Trip Cancellation and Interruption Maximum Limit shown on the Schedule, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with the Insured has his/her Trip cancelled or interrupted due to the Unforeseen events shown in the Trip Cancellation/Interruption section and the Insured does not cancel.

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:
a) Sickness, Injury or death of an Insured, Family Member, Traveling Companion, or Business Partner.
1) Injury or Sickness of an Insured, Traveling Companion or Family Member traveling with the Insured that must be so disabling as to reasonably cause a Trip to be canceled, or interrupted. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
2) If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of a Family Member not traveling with the Insured, it must be because his or her condition is life threatening as certified by a Physician or because he or she requires the Insured’s care.
3) Injury or Sickness of the Business Partner must be so disabling as to reasonably cause the Insured to cancel, delay, or interrupt the Trip to assume daily management of the business. Such disability must be certified by a Physician.
b) Inclement Weather at the departure site causing delay or cancellation of travel for at least 24 consecutive hours and prevents the Insured from reaching his/her Destination;
c) Strike resulting in complete cessation of travel services at the point of departure or Destination;
d) the Insured’s Primary Residence or Destination being made Uninhabitable by Natural Disaster, vandalism, or burglary; (e) the Insured, or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;
f) Insured or Traveling Companion is called to active military service or military leave is revoked or reassigned;
g) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival.

Trip Cancellation Benefits: The Company will reimburse the Insured for forfeited Trip Cost up to the Maximum Limit shown on the Schedule of Benefits or Declarations Page for Trips that are canceled prior to the scheduled departure for their Trip due to the Unforeseen events shown above.

Trip Interruption Benefits: The Company will reimburse the Insured up to the Maximum Limit shown on the Schedule of Benefits or Declarations Page for Trips that are interrupted due to the Unforeseen events shown above:
a) forfeited, insured Trip Cost; or
b) additional non airfare transportation expenses incurred by the Insured, either:
(i) to the Return Destination; or
(ii) from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or
c) additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and leaves after the Departure Date.

However, the benefit payable under b) and c) above will not exceed the cost of economy airfare (or the same class as the Insured’s original ticket), less any refunds paid or payable, by the most direct route.

Reimbursement to the Insured will be made in the same form in which the original Trip payment was made. In no event will the amount reimbursed exceed the lesser of the amount the Insured pre-paid for his/her Trip or the Maximum Limit shown on the Schedule of Benefits or Declarations Page.

Trip Interruption – Return Air Only: The Company will reimburse the Insured for the additional transportation expenses incurred to reach the Return Destination due to one of the Unforeseen events listed in the Trip Cancellation/Trip Interruption section. However, the benefit payable will not exceed the cost of economy airfare (or the same class as the Insured’s original ticket) less any refunds paid or payable and taken by the most direct route.

SINGLE OCCUPANCY

The Company will reimburse the Insured, up to the Trip Cancellation or Trip Interruption Maximum Limit shown on the Schedule of Benefits or Declarations Page, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with the Insured has his/her Trip canceled, or interrupted due to the Unforeseen events shown in the Trip Cancellation/Trip Interruption section and the Insured does not cancel.

Full Policy Wording

TRIP CANCELLATION AND INTERRUPTION
The Insurer will reimburse the Insured, as described below, if a Trip is canceled or interrupted for the Insured due to any of the following Unforeseen circumstances:
(a) Sickness, Injury, or death of an Insured, Immediate Family Member, Traveling Companion, or Business Partner. Injury or Sickness must be so disabling as to reasonably cause a Trip to be canceled or interrupted. If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of an Immediate Family Member or Business Partner, it must be because their condition is lifethreatening, or because the Immediate Family Member requires the Insured’s or Traveling Companion’s care;
(b) Inclement Weather causing delay or cancellation of travel services for at least 24 consecutive hours;
© Strike resulting in complete cessation of travel services at the point of departure or Destination. A Strike is foreseeable on the date labor union members vote to approve a Strike and is not covered under the policy;
(d) the Insured’s principal residence or Destination being made Uninhabitable by fire, flood, or similar Natural Disaster, vandalism, or burglary;
(e) the Insured or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;
(f) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival. “City” means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas, or airspace; or
(g) the Insured or the Insured’s Traveling Companion is terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least one year. Termination must occur following the effective date of coverage.


Trip Cancellation Benefits: The Insurer will reimburse the Insured for the following up to the Maximum Limit shown on the Schedule of Benefits for Trips that are canceled before the scheduled departure date due to the Unforeseen events shown at the beginning of this section:
(a) forfeited, non-refundable prepaid deposits or payments,
(b) the charge for a single supplement if the Insured’s Traveling Companion Trip is cancelled but the Insured’s is not. Trip Interruption Benefits: The Insurer will reimburse the Insured for the following up to the Maximum Limit shown on the Schedule of Benefits for Trips that have been interrupted due to the Unforeseen events shown at the beginning of this section.
(a) forfeited, non-refundable, unused prepaid payments, made prior to your departure date; and
(b) additional non airline transportation expenses incurred by the Insured, either (i) to the Return Destination; or (ii) from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or
© additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and leaves after the departure date. However, the benefit payable under (b) and © above will not exceed the cost of economy airfare (or first class if the Insured’s original tickets were first class) by the most direct route, less any refunds paid or payable;
(d) the Insured’s additional cost as a result of a change in the per-person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Trip is interrupted, and the Insured’s Trip is continued.


Trip Interruption – Return Air Only: The Insurer will reimburse the Insured for the additional airline transportation expenses incurred by the Insured to reach the Return Destination if the Insured’s Trip must be interrupted due to one of the Unforeseen events shown at the beginning of this section, up to the Maximum Limit shown on the Schedule of Benefits. The Insured must: Contact LiveTravel® (1.800.826.8597) as soon as he/she knows the Trip is going to be cancelled or interrupted. Failure to do so may affect coverage.
In addition to the General Exclusions, coverage is not provided for losses caused by or as a result of:
(i) travel arrangements cancelled by an airline, cruise line, or tour operator, except as provided elsewhere in the policy;
(ii) changes in plans by the Insured, an Immediate Family Member, or Traveling Companion, for any reason;
(iii) financial circumstances of the Insured, an Immediate Family Member, or a Traveling Companion;
(iv) any business or contractual obligations of the Insured, an Immediate Family Member, or Traveling Companion;
(v) Default by the person, agency, or tour operator from whom the Insured bought his/her coverage and purchased his/her travel arrangements;
(vi) any government regulation or prohibition;
(vii) an event which occurs prior to the Insured’s coverage Effective Date for Trip Cancellation coverage, whether known to the Insured or not;
(ix) financial default.


The Insured’s Duties in the Event of Loss: The Insured must provide the Insurer documentation of the cancellation or interruption, and proof of the expenses incurred. The Insured must provide proof of payment for the Trip such as cancelled check or credit card statements, proof of refunds received, copies of applicable tour operator or Common Carrier cancellation policies, and any other information reasonably required to prove the loss. Claims involving loss due to Sickness, Injury, or death require signed patient (or next of kin) authorization to release medical information and an attending physician’s statement. The Insured must provide the Insurer with all unused air, rail, cruise, or other tickets if he/she is claiming the value of those unused tickets.

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:
a) Sickness, Injury or death of an Insured, Family Member, Traveling Companion, or Business Partner;
1) Injury or Sickness of an Insured, Traveling Companion or Family Member Traveling with the Insured must be so disabling as to reasonably cause a Trip to be canceled or interrupted, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip.
2) If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of a Family Member not traveling with the Insured, it must be because their condition is life-threatening, as certified by a Physician or because they require the Insured’s care.
3) Injury or Sickness of the Business Partner must be so disabling as to reasonably cause the Insured to cancel or interrupt the Trip to assume daily management of the business. Such disability must be certified by a Physician.
b) Sickness, Injury, death or hospitalization of the Insured’s Host at Destination. A Physician must certify the Injury or Sickness;
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;
d) Inclement Weather causing delay or cancellation of travel;
e) Strike resulting in complete cessation of travel services at the point of departure or Destination;
f) the Insured’s Primary Residence being made Uninhabitable by Natural Disaster, vandalism, or burglary;
g) the Insured’s Destination being made Uninhabitable by a flood, tornado, earthquake, fire, wildfire, volcanic eruption, or blizzard that is due to natural causes, vandalism, or burglary;
h) the Insured, or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;
i) Insured or Traveling Companion is called to active military service or military leave is revoked or reassigned;
j) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival.
k) the Insured or Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least one year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, independent contractors or self-employed persons;
l) mechanical/equipment failure of a Common Carrier that occurs on a scheduled Trip and causes complete cessation of the Insured’s travel and results of a Loss of 50% of the Insured’s Trip length;
m) the Insured or Traveling Companion is required to work during his/her scheduled Trip. He/she must provide proof of requirement to work, such as a notarized statement signed by an officer of his/her employer; In the situation of self-employment, proof of self-employment and a notarized statement confirming that the Insured is unable to travel due to his or her job obligations will be required;
n) the Insured or Traveling Companion is directly involved in a merger, acquisition, government required product recall, or bankruptcy proceedings and must be currently employed by the company that is involved in said event;
o) the Insured’s or Traveling Companion’s company is deemed to be unsuitable for business due to burglary, or Natural Disaster and the Insured or Traveling Companion is directly involved as a Key Employee of the disaster recovery team;
p) a named hurricane causing cancellation of travel to the Insured’s Destination that is Inaccessible or Uninhabitable. The Insurer will only pay benefits for losses occurring within 30 calendar days after the named hurricane makes the Insured’s Destination Inaccessible or Uninhabitable. Benefits are not payable if a hurricane is named on or before the effective date of the Insured’s Trip Cancellation coverage. S

PECIAL NOTIFICATION OF CLAIM

The Insured must notify Travel Guard as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. If the Insured is unable to provide cancellation notice within the required timeframe, the Insured must provide proof of the circumstance that prevented timely notification.

Trip Cancellation Benefits: The Insurer will reimburse the Insured for forfeited Trip Cost up to the Maximum Limit shown on the Schedule for Trips that are canceled prior to the scheduled departure for their Trip due to the events shown above.

Trip Interruption Benefits: The Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for Trips that are interrupted due to the events shown above:
a) forfeited, insured Trip Cost, and
b) additional transportation expenses incurred by the Insured, either
(i) to the Return Destination; or
(ii)from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or
c) additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and leaves after the Departure Date.

However, the benefit payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket less any refunds paid or payable by the most direct route.

Trip Interruption – Return Air Only: The Insurer will reimburse the Insured for the additional transportation expenses incurred to reach the Return Destination due to one of the events listed in the Trip Cancellation/Trip Interruption section. However, the benefit payable will not exceed the cost of economy airfare (or the same class as the Insured’s original ticket) less any refunds paid or payable and taken by the most direct route.

SINGLE OCCUPANCY

The Insurer will reimburse the Insured, up to the Trip Cancellation and Trip Interruption Maximum Limit shown on the Schedule, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with the Insured has his/her Trip canceled, or interrupted due to the events shown in the Trip Cancellation/Trip Interruption section and the Insured does not cancel.

Full Policy Wording

TRIP CANCELLATION AND INTERRUPTION

The Insurer 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:
a) Sickness, Injury or death of an Insured, Family Member, Traveling Companion, or Business Partner.
1) Injury or Sickness of an Insured, Traveling Companion or Family Member traveling with the Insured that must be so disabling as to reasonably cause a Trip to be canceled or interrupted. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
2) If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of a Family Member not traveling with the Insured, it must be because his or her condition is life threatening as certified by a Physician or because he or she requires the Insured’s care.
3) Injury or Sickness of the Business Partner must be so disabling as to reasonably cause the Insured to cancel, delay, or interrupt the Trip to assume daily management of the business. Such disability must be certified by a Physician.
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.
c) Inclement Weather at the departure site causing delay or cancellation of travel and prevents the Insured from reaching his/her Destination;
d) Strike resulting in complete cessation of travel services at the point of departure or Destination;
e) the Insured’s Primary Residence or Destination being made Uninhabitable by Natural Disaster, vandalism, or burglary;
f) the Insured, or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;
g) Insured or Traveling Companion is called to active military service or military leave is revoked or reassigned;
h) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival;
i) the Insured and/or Traveling Companion is directly involved in or delayed due to an automobile accident, substantiated by a police report, while en route to the Insured’s Destination;
j) Cancel for Work Reasons coverage applies only if the insurance was purchased within 15 days of Initial Trip Payment. If the Cancel for Work Reasons has been purchased, coverage will be extended for these additional Unforeseen events if the Insured(‘s) or a Traveling Companion(‘s):
1) is required to work during his/her scheduled Trip. He/she must provide proof of requirement to work, such as a notarized statement signed by an officer of his/her employer. In the situation of self-employment, proof of self-employment and a notarized statement confirming that the Insured is unable to travel due to his or her job obligations will be required.
2) is directly involved in a merger, acquisition, government required product recall, or bankruptcy proceedings and must be currently employed by the company that is involved in said event;
3) company is deemed to be unsuitable for business due to burglary, or Natural Disaster and the Insured or Traveling Companion is directly involved as a Key Employee of the disaster recovery team.

Trip Cancellation Benefits:
The Insurer will reimburse the Insured for forfeited Trip Cost up to the Maximum Limit shown on the Schedule of Benefits or Declarations Page for Trips that are canceled prior to the scheduled departure for their Trip due to the Unforeseen events shown above.

Trip Interruption Benefits:
The Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule of Benefits or Declarations Page for Trips that are interrupted due to the Unforeseen events shown above:
a) forfeited, insured Trip Cost; or
b) additional non airfare transportation expenses incurred by the Insured, either:
i) to the Return Destination; or
ii) from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or
c) additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and leaves after the Departure Date. However, the benefit payable under b) and c) above will not exceed the cost of economy airfare (or the same class as the Insured’s original ticket), less any refunds paid or payable, by the most direct route.

Reimbursement to the Insured will be made in the same form in which the original Trip payment was made. In no event will the amount reimbursed exceed the lesser of the amount the Insured pre-paid for his/her Trip or the Maximum Limit shown on the Schedule of Benefits or Declarations Page.

Trip Interruption – Return Air Only:
The Insurer will reimburse the Insured for the additional transportation expenses incurred to reach the Return Destination due to one of the Unforeseen events listed in the Trip Cancellation/Trip Interruption section. However, the benefit payable will not exceed the cost of economy airfare (or the same class as the Insured’s original ticket) less any refunds paid or payable and taken by the most direct route.

SINGLE OCCUPANCY

The Insurer will reimburse the Insured, up to the Trip Cancellation or Trip Interruption Maximum Limit shown on the Schedule of Benefits or Declarations Page, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, nonrefundable travel arrangements if a person booked to share accommodations with the Insured has his/her Trip canceled, or interrupted due to the Unforeseen events shown in the Trip Cancellation/Trip Interruption section and the Insured does not cancel.

Full Policy Wording

There is no Trip Cancellation coverage with this plan.

Full Policy Wording

OPTIONAL TRIP CANCELLATION

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:
a) Sickness, Injury or death of an Insured, Family Member, Traveling Companion, or Business Partner;
1) Injury or Sickness of an Insured, Traveling Companion or Family Member traveling with the Insured must be so disabling as to reasonably cause a Trip to be cancelled or interrupted, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip.
2) If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of a Family Member not traveling with the Insured, it must be because their condition is life-threatening, as certified by a Physician, or because they require the Insured’s care.
3) Injury or Sickness of a Business Partner must be so disabling as to reasonably cause the Insured to cancel or interrupt the Trip to assume daily management of the business. Such disability must be certified by a Physician.
b) Sickness, Injury, or death or hospitalization of the Insured’s Host at Destination. A Physician must certify the Injury or Sickness;
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;
d) Inclement Weather causing delay or cancellation of travel;
e) Strike resulting in complete cessation of travel services at the point of departure or Destination;
f) the Insured’s Primary Residence or Destination being made Uninhabitable by Natural Disaster, vandalism, or burglary;
g) the Insured or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;
h) Insured or Traveling Companion is called to active military service, or military leave is revoked or reassigned;
i) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival;
j) mechanical/equipment failure of a Common Carrier that occurs on a scheduled Trip and causes complete cessation of the Insured’s travel and results of a Loss of 50% of the Insured’s Trip length; or
k) the Insured or Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least one year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, independent contractors or self-employed persons.

SPECIAL NOTIFICATION OF CLAIM

The Insured must notify Travel Guard as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. If the Insured is unable to provide cancellation notice within the required timeframe, the Insured must provide proof of the circumstance that prevented timely notification.

Trip Cancellation Benefits: The Insurer will reimburse the Insured for forfeited Trip Cost up to the Maximum Limit shown on the Schedule for Trips that are canceled prior to the scheduled departure for their Trip due to the Unforeseen events shown above.

TRIP INTERRUPTION – RETURN AIR ONLY

The Insurer will reimburse the Insured for the additional transportation expenses incurred to reach the Return Destination due to one of the Unforeseen events listed in the Trip Cancellation section. However, the benefit payable will not exceed the cost of economy airfare (or the same class as the Insured’s original ticket) less any refunds paid or payable and taken by the most direct route.

SINGLE OCCUPANCY

The Insurer will reimburse the Insured, up to the Trip Cancellation and Trip Interruption Maximum Limit shown on the Schedule, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with the Insured has his/her Trip canceled or interrupted due to the Unforeseen events shown in the Trip Cancellation/Trip Interruption section and the Insured does not cancel.

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:
a) Sickness, Injury or death of an Insured, Family Member, Traveling Companion, or Business Partner;
1) Injury or Sickness of an Insured, Traveling Companion or Family Member traveling with the Insured must be so disabling as to reasonably cause a Trip to be cancelled or interrupted, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip.
2) The Insured must cancel or interrupt his/her Trip due to Injury or Sickness of a Family Member not traveling with the Insured.
3) Injury or Sickness of the Business Partner must be so disabling as to reasonably cause the Insured to cancel or interrupt the Trip to assume daily management of the business. Such disability must be certified by a Physician.
b) Sickness, Injury, death or hospitalization of the Insured’s Host at Destination. A Physician must certify the Injury or Sickness;
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;
d) Inclement Weather causing delay or cancellation of travel;
e) Strike resulting in complete cessation of travel services at the point of departure or Destination;
f) the Insured’s Primary Residence being made Uninhabitable by Natural Disaster, vandalism, or burglary;
g) the Insured’s Destination being made Uninhabitable by a flood, tornado, earthquake, fire, wildfire, volcanic eruption, or blizzard that is due to natural causes, vandalism, or burglary;
h) the Insured, or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;
i) Insured or Traveling Companion is called to active military service or military leave is revoked or reassigned;
j) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival;
k) the Insured or Traveling Companion is required to work during his/her scheduled Trip. He/she must provide proof of requirement to work, such as a notarized statement signed by an officer of his/her employer; In the situation of self employment, proof of self-employment and a notarized statement confirming that the Insured is unable to travel due to his or her job obligations will be required;
l) the Insured or Traveling Companion is directly involved in a merger, acquisition, government required product recall, or bankruptcy proceedings and must be currently employed by the company that is involved in said event;
m) the Insured’s or Traveling Companion’s company is deemed to be unsuitable for business due to burglary, or Natural Disaster and the Insured or Traveling Companion is directly involved as a Key Employee of the disaster recovery team;
n) mechanical/equipment failure of a Common Carrier that occurs on a scheduled Trip and causes complete cessation of the Insured’s travel and results of a Loss of 50% of the Insured’s Trip length;
o) the Insured or Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least one year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, independent contractors or self-employed person;
p) Insured or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to the Departure Date. No coverage is provided for Felonious Assault committed by another Insured, Family Member, Traveling Companion or Traveling Companion’s Family Member;
q) the Insured or Traveling Companion is involved in or delayed due to an automobile accident, substantiated by a police report, while en route to the Insured’s Destination;
r) a named hurricane causing cancellation of travel to the Insured’s Destination that is Inaccessible or Uninhabitable. The Insurer will only pay benefits for losses occurring within 30 calendar days after the named hurricane makes the Insured’s Destination Inaccessible or Uninhabitable. Benefits are not payable if a hurricane is named on or before the effective date of the Insured’s Trip Cancellation coverage.

SPECIAL NOTIFICATION OF CLAIM

The Insured must notify Travel Guard as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. If the Insured is unable to provide cancellation notice within the required timeframe, the Insured must provide proof of the circumstance that prevented timely notification.

Trip Cancellation Benefits: The Insurer will reimburse the Insured for forfeited Trip Cost up to the Maximum Limit shown on the Schedule for Trips that are canceled prior to the scheduled departure for their Trip due to the Unforeseen events shown above.

Trip Interruption Benefits: The Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for Trips that are interrupted due to the Unforeseen events shown above:
a) forfeited, insured Trip Cost, and
b) additional transportation expenses incurred by the Insured, either
(i) to the Return Destination; or
(ii) from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or
c) additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and leaves after the Departure Date.

However, the benefit payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket less any refunds paid or payable by the most direct route.

Trip Interruption – Return Air Only: The Insurer will reimburse the Insured for the additional transportation expenses incurred to reach the Return Destination due to one of the Unforeseen events listed in the Trip Cancellation/Trip Interruption section. However, the benefit payable will not exceed the cost of economy airfare (or the same class as the Insured’s original ticket) less any refunds paid or payable and taken by the most direct route.

SINGLE OCCUPANCY

The Insurer will reimburse the Insured, up to the Trip Cancellation and Interruption Maximum Limit shown on the Schedule, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with the Insured has his/her Trip cancelled or interrupted due to the Unforeseen events shown in the Trip Cancellation/Interruption section and the Insured does not cancel.

Full Policy Wording

The Insurer will reimburse the Insured, as described below, if a Trip is canceled or interrupted for the Insured due to any of the following Unforeseen circumstances:
a) Sickness, Injury, or death of an Insured, Immediate Family Member, Traveling Companion, or Business Partner. Injury or Sickness must be so disabling as to reasonably cause a Trip to be canceled or interrupted;
b) Inclement Weather causing delay or cancellation of travel;
c) Strike resulting in complete cessation of travel services at the point of departure or Destination. A Strike is foreseeable on the date labor union members vote to approve a Strike and is not covered under the policy;
d) the Insured’s principal residence or Destination being made Uninhabitable by fire, flood, or similar Natural Disaster, vandalism, or burglary;
e) the Insured or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;
f) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival. City, means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas, or airspace;
g) 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.);
h) the Insured or Traveling Companion being called into active military service or having leave revoked or being reassigned;
i) Termination of employment or layoff affecting the Insured or his/her Traveling Companion; must have been with the same employer for at least five continuous years; or
j) the Insured or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to his/her departure date.

Trip Cancellation Benefits: The Insurer will reimburse the Insured for the following up to the Maximum Limit shown on the Schedule of Benefits for Trips that are canceled before the scheduled departure date due to the Unforeseen events shown at the beginning of this section:
a) forfeited, non-refundable prepaid deposits or payments,
b) the charge for a single supplement if the Insured’s Traveling Companion Trip is cancelled but the Insured’s is not.

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:
a) Sickness, Injury or death of an Insured, Family Member, Traveling Companion, or Business Partner;
1) Injury or Sickness of an Insured, Traveling Companion or Family Member traveling with the Insured must be so disabling as to reasonably cause a Trip to be cancelled or interrupted, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
2) If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of a Family Member not traveling with the Insured, it must be because their condition is life-threatening, as certified by a Physician or because they require the Insured’s care.
3) Injury or Sickness of the Business Partner must be so disabling as to reasonably cause the Insured to cancel or interrupt the Trip to assume daily management of the business. Such disability must be certified by a Physician.
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;
c) Inclement Weather causing delay or cancellation of travel for at least 24 consecutive hours;
d) Strike resulting in complete cessation of travel services at the point of departure or Destination;
e) the Insured’s Primary Residence being made Uninhabitable by Natural Disaster, vandalism, or burglary;
f) the Insured’s Destination being made Uninhabitable by a flood, tornado, earthquake, fire, wildfire, volcanic eruption, or blizzard that is due to natural causes, vandalism, or burglary;
g) the Insured, or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;
h) the Insured or Traveling Companion is called into active military service or leave is revoked or reassigned;
i) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival;
j) the Insured or Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least one year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, independent contractors or self-employed persons; or
k) a named hurricane causing cancellation of travel to the Insured’s Destination that is Inaccessible or Uninhabitable The Insurer will only pay benefits for losses occurring within 30 calendar days after the named hurricane makes the Insured’s Destination Inaccessible or Uninhabitable. Benefits are not payable if a hurricane is named on or before the effective date of the Insured’s Trip Cancellation coverage.

SPECIAL NOTIFICATION OF CLAIM

The Insured must notify Travel Guard as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. If the Insured is unable to provide cancellation notice within the required timeframe, the Insured must provide proof of the circumstance that prevented timely notification.

Trip Cancellation Benefits: The Insurer will reimburse the Insured for forfeited Trip Cost up to the Maximum Limit shown on the Schedule for Trips that are canceled prior to the scheduled departure for their Trip due to the Unforeseen events shown above.

Trip Interruption Benefits: The Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for Trips that are interrupted due to the Unforeseen events shown above:
a) forfeited, insured Trip Cost, and
b) additional transportation expenses incurred by the Insured, either
(i) to the Return Destination; or
(ii)from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or
c) additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and leaves after the Departure Date.

However, the benefit payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket less any refunds paid or payable by the most direct route.

Trip Interruption – Return Air Only: The Insurer will reimburse the Insured for the additional transportation expenses incurred to reach the Return Destination due to one of the Unforeseen events listed in the Trip Cancellation/Trip Interruption section. However, the benefit payable will not exceed the cost of economy airfare (or the same class as the Insured’s original ticket) less any refunds paid or payable and taken by the most direct route.

SINGLE OCCUPANCY

The Insurer will reimburse the Insured, up to the Trip Cancellation and Interruption Maximum Limit shown on the Schedule, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with the Insured has his/her Trip cancelled or interrupted due to the Unforeseen events shown in the Trip Cancellation/Interruption section and the Insured does not cancel.

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:

a) Sickness, Injury or death of an Insured, Family Member,Traveling Companion, or Business Partner.
1) Injury or Sickness of an Insured, Traveling Companion or Family Member traveling with the Insured that must be so disabling as to reasonably cause a Trip to be canceled, or interrupted. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
2) If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of a Family Member not traveling with the Insured, it must be because his or her condition is life threatening as certified by a Physician or because he or she requires the Insured’s care.
3) Injury or Sickness of the Business Partner must be so disabling as to reasonably cause the Insured to cancel, delay, or interrupt the Trip to assume daily management of the business. Such disability must be certified by a Physician.
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.
c) Inclement Weather at the departure site causing delay or cancellation of travel for at least 24 consecutive hours and prevents the Insured from reaching his/her Destination;
d) Strike resulting in complete cessation of travel services at the point of departure or Destination;
e) the Insured’s Primary Residence or Destination being made Uninhabitable by Natural Disaster, vandalism, or burglary;
f) the Insured, or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;
g) Insured or Traveling Companion is called to active military service or military leave is revoked or reassigned.
h) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival.

Trip Cancellation Benefits:

The Company will reimburse the Insured for forfeited Trip Cost up to the Maximum Limit shown on the Schedule of Benefits or Declarations Page for Trips that are canceled prior to the scheduled departure for their Trip due to the Unforeseen events shown above.

SINGLE OCCUPANCY

The Company will reimburse the Insured, up to the Trip Cancellation or Trip Interruption Maximum Limit shown on the Schedule of Benefits or Declarations Page, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, nonrefundable travel arrangements if a person booked to share accommodations with the Insured has his/her Trip canceled, or interrupted due to the Unforeseen events shown in the Trip Cancellation/Trip Interruption section and the Insured does not cancel.

Full Policy Wording

The Insurer will reimburse the Insured, as described below, if a Trip is canceled or interrupted for the Insured due to any of the following Unforeseen circumstances:

a) Sickness, Injury, or death of an Insured, Immediate Family Member, Traveling Companion, or Business Partner. Injury or Sickness must be so disabling as to reasonably cause a Trip to be canceled or interrupted. If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of an Immediate Family Member or Business Partner, it must be because their condition is life-threatening, or because the Immediate Family Member requires the Insured’s or Traveling Companion’s care;

b) Inclement Weather causing delay or complete cessation of services for at least 24 consecutive hours;

c) Strike resulting in complete cessation of travel services at the point of departure or Destination. A Strike is foreseeable on the date labor union members vote to approve a Strike and is not covered under the policy;

d) the Insured’s principal residence or Destination being made Uninhabitable by fire, flood, or similar Natural Disaster, vandalism, or burglary;

e) the Insured or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;

f) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival. “City” means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas, or airspace;

g) 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.); or

h) the Insured or Traveling Companion being called into active military service or having leave revoked or being reassigned.

Trip Cancellation Benefits: Trip Cancellation Benefits: The Insurer will reimburse the Insured for the following up to the Maximum Limit shown on the Schedule of Benefits for Trips that are canceled before the scheduled departure date due to the Unforeseen events shown at the beginning of this section:
a) forfeited, non-refundable prepaid deposits or payments,
b) the charge for a single supplement if the Insured’s Traveling Companion Trip is cancelled but the Insured’s is not.

The Insured must: Contact LiveTravel (1.800.826.8597) as soon as he/she knows the Trip is going to be cancelled or interrupted. Failure to do so may affect coverage.

In addition to the General Exclusions, coverage is not provided for losses caused by or as a result of:
i) travel arrangements cancelled by an airline, cruise line, or tour operator, except as provided elsewhere in the policy;
ii) changes in plans by the Insured, an Immediate Family Member, or Traveling Companion, for any reason;
iii) financial circumstances of the Insured, an Immediate Family Member, or a Traveling Companion;
iv) any business or contractual obligations of the Insured, an Immediate Family Member, or Traveling Companion;
v) Default by the person, agency, or tour operator from whom the Insured bought his/her coverage and purchased his/her travel arrangements;
vi) any government regulation or prohibition;
vii) an event which occurs prior to the Insured’s coverage Effective Date for Trip Cancellation coverage, whether known to the Insured or not.

The Insured’s Duties in the Event of Loss: The Insured must provide the Insurer documentation of the cancellation or interruption, and proof of the expenses incurred. The Insured must provide proof of payment for the Trip such as canceled check or credit card statements, proof of refunds received, copies of applicable tour operator or Common Carrier cancellation policies, and any other information reasonably required to prove the loss. Claims involving loss due to Sickness, Injury, or death require signed patient (or next of kin) authorization to release medical information and an attending physician’s statement. The Insured must provide the Insurer with all unused air, rail, cruise, or other tickets if he/she is claiming the value of those unused tickets.

Full Policy Wording

There is no Trip Cancellation 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 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:
a) Sickness, Injury or death of an Insured, Family Member, Traveling Companion, or Business Partner.
1) Injury or Sickness of an Insured, Traveling Companion or Family Member traveling with the Insured that must be so disabling as to reasonably cause a Trip to be canceled or interrupted. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
2) If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of a Family Member not traveling with the Insured, it must be because his or her condition is life threatening as certified by a Physician (or) because he or she requires the Insured’s care.
3) Injury or Sickness of the Business Partner must be so disabling as to reasonably cause the Insured to cancel, delay, or interrupt the Trip to assume daily management of the business. Such disability must be certified by a Physician.
b) Inclement Weather at the departure site causing delay or cancellation of travel for at least 24 consecutive hours and prevents the Insured from reaching his/her Destination;
c) Strike resulting in complete cessation of travel services at the point of departure or Destination;
d) the Insured’s Primary Residence or Destination being made Uninhabitable by Natural Disaster, vandalism, or burglary;
e) the Insured, or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;
f) Insured or Traveling Companion is called to active military service or military leave is revoked or reassigned;
g) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Departure Date;

Trip Cancellation Benefits:
The Insurer will reimburse the Insured for forfeited Trip Cost up to the Maximum Limit shown on the Schedule of Benefits or Declarations Page for Trips that are canceled prior to the scheduled departure for their Trip due to the Unforeseen events shown above.

SINGLE OCCUPANCY
The Insurer will reimburse the Insured, up to the Trip Cancellation or Trip Interruption Maximum Limit shown on the Schedule of Benefits or Declarations Page, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with the Insured has his/her Trip canceled, or interrupted due to the Unforeseen events shown in the Trip Cancellation/Trip Interruption section and the Insured does not cancel.

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:

a) Sickness, Injury or death of an Insured, Family Member, Traveling Companion, Business Partner, or guide/outfitter;
1) Injury or Sickness of an Insured, Traveling Companion or Family Member traveling with the Insured must be so disabling as to reasonably cause a Trip to be cancelled or interrupted, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip.
2) If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of a Family Member not traveling with the Insured, it must be because their condition is life-threatening, as certified by a Physician or because they require the Insured’s care.
3) Injury or Sickness of the Business Partner must be so disabling as to reasonably cause the Insured to cancel or interrupt the Trip to assume daily management of the business. Such disability must be certified by a Physician.
4) If the Insured must cancel his/her Trip due to Sickness, Injury or death of the guide/outfitter for the Insured’s Trip, the guide/outfitter must be the only guide/outfitter available for the Trip; and the Sickness or Injury must be certified by a Physician.
b) Sickness, Injury, death or hospitalization of the Insured’s Host at Destination. A Physician must certify the Injury or Sickness;
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;
d) Inclement Weather causing delay or cancellation of travel;
e) Strike resulting in complete cessation of travel services at the point of departure or Destination;
f) the Insured’s Primary Residence being made Uninhabitable by Natural Disaster, vandalism, or burglary;
g) the Insured’s Destination being made Uninhabitable by a flood, tornado, earthquake, fire, wildfire, volcanic eruption, or blizzard that is due to natural causes, vadalism or burglary;
h) the Insured, or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;
i) Insured or Traveling Companion is called to active military service or military leave is revoked or reassigned;
j) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival;
k) the Insured or Traveling Companion is required to work during his/her scheduled Trip. He/she must provide proof of requirement to work, such as a notarized statement signed by an officer of his/her employer; In the situation of selfemployment, proof of self-employment and a notarized statement confirming that the Insured is unable to travel due to his or her job obligations will be required;
l) the Insured or Traveling Companion is directly involved in a merger, acquisition, government required product recall, or bankruptcy proceedings and must be currently employed by the company that is involved in said event;
m) the Insured’s or Traveling Companion’s company is deemed to be unsuitable for business due to burglary, or Natural Disaster and the Insured or Traveling Companion is directly involved as a Key Employee of the disaster recovery team;
n) mechanical/equipment failure of a Common Carrier that occurs on a scheduled Trip and causes complete cessation of the Insured’s travel and results of a Loss of 50% of the Insured’s Trip length;
o) the Insured or Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least one year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, independent contractors or self-employed persons;
p) a named hurricane causing cancellation of travel to the Insured’s Destination that is Inaccessible or Uninhabitable. The Insurer will only pay benefits for losses occurring within 30 calendar days after the named hurricane makes the Insured’s Destination Inaccessible or Uninhabitable. Benefits are not payable if a hurricane is named on or before the effective date of the Insured’s Trip Cancellation coverage;
q) Insured or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to the Departure Date. No coverage is provided for Felonious Assault committed by another Insured, Family Member, Traveling Companion or Traveling Companion’s Family Member;
r) the Insured or Traveling Companion is involved in or delayed due to an automobile accident, substantiated by a policy report, while en route to the Insured’s Destination; or
s) the United States government or local government issues a hunting activity restriction after the effective date of coverage at the Destination which prohibits the hunting activity for which the Insured has booked his/her Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting, or the hunting activity being declared illegal.

SPECIAL NOTIFICATION OF CLAIM The Insured must notify Travel Guard as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. If the Insured is unable to provide cancellation notice within the required timeframe, the Insured must provide proof of the circumstance that prevented timely notification.

Trip Cancellation Benefits: The Insurer will reimburse the Insured for forfeited Trip Cost up to the Maximum Limit shown on the Schedule for Trips that are canceled prior to the scheduled departure for their Trip due to the Unforeseen events shown above.

Trip Interruption Benefits: The Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for Trips that are interrupted due to the Unforeseen events shown above:
a) forfeited, insured Trip Cost, and
b) additional transportation expenses incurred by the Insured, either (i) to the Return Destination; or (ii) from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or
c) additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and leaves after the Departure Date.

However, the benefit payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket less any refunds paid or payable by the most direct route.

SINGLE OCCUPANCY The Insurer will reimburse the Insured, up to the Trip Cancellation and Interruption Maximum Limit shown on the Schedule, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with the Insured has his/her Trip cancelled or interrupted due to the Unforeseen events shown in the Trip Cancellation/Interruption section and the Insured does not cancel.

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:
a) Sickness, Injury or death of an Insured, Family Member, Traveling Companion, Business Partner or guide/outfitter for the Insured’s Trip;
1) Injury or Sickness of an Insured, Traveling Companion or Family Member traveling with the Insured that must be so disabling as to reasonably cause a Trip to be canceled, or interrupted. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
2) If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of a Family Member not traveling with the Insured, it must be because his or her condition is life threatening as certified by a Physician or because he or she requires the Insured’s care.
3) Injury or Sickness of the Business Partner must be so disabling as to reasonably cause the Insured to cancel, delay, or interrupt the Trip to assume daily management of the business. Such disability must be certified by a Physician or
4) If the Insured must cancel or interrupt his/her Trip due to Sickness, Injury or death of the guide/outfitter for the Insured’s Trip, the guide/outfitter must be the only guide/outfitter available for the Trip; and the Sickness or Injury must be certified by a Physician.
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;
c) Inclement Weather at the departure site causing delay or cancellation of travel and prevents the Insured from reaching his/her Destination;
d) Strike resulting in complete cessation of travel services at the point of departure or Destination;
e) the Insured’s Primary Residence or Destination being made Uninhabitable by Natural Disaster, vandalism, or burglary;
f) the Insured, or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;
g) Insured or Traveling Companion is called to active military service or military leave is revoked or reassigned;
h) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival;
i) the Insured and/or Traveling Companion is directly involved in or delayed due to an automobile accident, substantiated by a police report, while en route to the Insured’s Destination;
j) an Insured is unable to participate in a scheduled hunting or fishing expedition due to a delay of their personal necessary sporting equipment by customs or Common Carrier;
k) the United States government or local government issues a hunting activity restriction after the effective date of coverage at the Destination which prohibits the hunting activity for which the Insured has booked his/her Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting, or the hunting activity being declared illegal.

Trip Cancellation Benefits: The Company will reimburse the Insured for forfeited Trip Cost up to the Maximum Limit shown on the Schedule of Benefits or Declarations Page for Trips that are canceled prior to the scheduled departure for their Trip due to the Unforeseen events shown above.

Trip Interruption Benefits: The Company will reimburse the Insured up to the Maximum Limit shown on the Schedule of Benefits or Declarations Page for Trips that are interrupted due to the Unforeseen events shown above:
a) forfeited, insured Trip Cost; or
b) additional non airfare transportation expenses incurred by the Insured, either:
(i) to the Return Destination; or
(ii) from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or
c) additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and leaves after the Departure Date.

However, the benefit payable under b) and c) above will not exceed the cost of economy airfare (or the same class as the Insured’s original ticket), less any refunds paid or payable, by the most direct route.

Reimbursement to the Insured will be made in the same form in which the original Trip payment was made. In no event will the amount reimbursed exceed the lesser of the amount the Insured pre-paid for his/her Trip or the Maximum Limit shown on the Schedule of Benefits or Declarations Page.

Trip Interruption – Return Air Only: The Company will reimburse the Insured for the additional transportation expenses incurred to reach the Return Destination due to one of the Unforeseen events listed in the Trip Cancellation/Trip Interruption section. However, the benefit payable will not exceed the cost of economy airfare (or the same class as the Insured’s original ticket) less any refunds paid or payable and taken by the most direct route.

SINGLE OCCUPANCY

The Company will reimburse the Insured, up to the Trip Cancellation or Trip Interruption Maximum Limit shown on the Schedule of Benefits or Declarations Page, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with the Insured has his/her Trip canceled, or interrupted due to the Unforeseen events shown in the Trip Cancellation/Trip Interruption section and the Insured does not cancel.

LICENSE REFUND COVERAGE

The Company will reimburse the Insured for the prepaid nonrefundable cost of the Insured’s hunting or fishing license if the Insured is unable to travel or is unable to make their out of- state Trip due to one of the Unforeseen events shown in the Trip Cancellation/Interruption Benefit.

GOLF FEE REFUND COVERAGE

The Company will reimburse the Insured for the prepaid non refundable cost of the Insured’s green fees, caddy fees, and/or cart fees if the Insured is unable to travel is unable to make their out-of-state Trip due to one of the Unforeseen events shown in the Trip Cancellation/Interruption Benefit.

GOLF COURSE CLOSURE

The Company will reimburse the Insured for prepaid, nonrefundable golf fees if a golf course on the Insured’s travel itinerary is closed due to Inclement Weather and the Insured is given less than 24 hours notice of such closure.

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:
a) Sickness, Injury or death of an Insured, Family Member, Traveling Companion, or Business Partner;
1) Injury or Sickness of an Insured, Traveling Companion or Family Member traveling with the Insured must be so disabling as to reasonably cause a Trip to be cancelled or interrupted, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip.
2) The Insured must cancel or interrupt his/her Trip due to Injury or Sickness of a Family Member not traveling with the Insured.
3) Injury or Sickness of the Business Partner must be so disabling as to reasonably cause the Insured to cancel or interrupt the Trip to assume daily management of the business. Such disability must be certified by a Physician.
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;
c) Inclement Weather causing delay or cancellation of travel;
d) Strike resulting in complete cessation of travel services at the point of departure or Destination;
e) the Insured’s or Traveling Companion’s Primary Residence or Destination being made Uninhabitable by Natural Disaster, vandalism, or burglary;
f) the Insured, or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;
g) Insured or Traveling Companion is called to active military service to provide aid or relief in the event of a Natural Disaster;
h) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival;
i) the Insured or Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least two years. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, independent contractors or self-employed persons;
j) the Insured and/or Traveling Companion is directly involved in an automobile accident, substantiated by a police report, while en route to the Insured’s Destination;
k) the Insured or Traveling Companion has an involuntary employer-initiated transfer within the same organization of 250 or more miles after the Insured’s effective date of coverage which requires the Insured’s Primary Residence to be relocated;
l) a theft of passports or visas specifically required for the Insured’s Trip, substantiated by a police report.

SPECIAL NOTIFICATION OF CLAIM

The Insured must notify the Worldwide Travel Assistance Center as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. If the Insured is unable to provide cancellation notice within the required timeframe, the Insured must provide proof of the circumstance that prevented timely notification.

Trip Cancellation Benefits: The Insurer will reimburse the Insured for forfeited Trip Cost up to the Maximum Limit shown on the Schedule for Trips that are canceled prior to the scheduled departure for their Trip due to the Unforeseen events shown above.

Trip Interruption Benefits: The Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for Trips that are interrupted due to the Unforeseen events shown above:
a) forfeited, insured Trip Cost, and
b) additional transportation expenses incurred by the Insured, either
(i) to the Return Destination; or
(ii) from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or
c) additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and leaves after the Departure Date. However, the benefit payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket less any refunds paid or payable by the most direct route.

SINGLE OCCUPANCY

The Insurer will reimburse the Insured, up to the Trip Cancellation and Interruption Maximum Limit shown on the Schedule, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with the Insured has his/her Trip cancelled or interrupted due to the Unforeseen events shown in the Trip Cancellation/Interruption section and the Insured does not cancel.

Full Policy Wording

Not applicable if $0 limit displayed on Your Confirmation of Benefits.

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:
a) Sickness, Accidental Injury or death of You, or Your Traveling Companion, or Family Member or Business Partner of You or Your Traveling Companion; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise cancellation of Your Trip on or before the Scheduled Departure Date.
b) You or Your Traveling Companion being hijacked, quarantined, or required to serve on a jury, subpoenaed, required to appear as a witness in a legal action provided You or a Traveling Companion are not a party to the legal action or appearing as a law enforcement officer, the victim of felonious assault within 10 days of departure; or having Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.
c) 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.
d) You or Your Traveling Companion are directly involved in a traffic accident substantiated by a police report while en route to departure.
e) The death or hospitalization of Your Host at Destination.
f) If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within the territorial limits of a City listed on Your itinerary. The Terrorist Attack must occur after the Effective Date of Your Trip Cancellation coverage. g) You or Your Traveling Companion or Family Member who are military personnel, are called to emergency duty for a Natural Disaster or have their leave revoked or are reassigned. h) Strike that causes complete cessation of services for at least 24 consecutive hours. i) Weather which causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours. j) You or Your Traveling Companion are terminated, or laid off from employment subject to one year of continuous employment at the place of employment where terminated. k) Natural Disaster at the site of Your destination which renders Your destination accommodations uninhabitable. l) Mandatory evacuation ordered by local authorities at Your final destination due to hurricane or other Natural Disaster. You must have 50% of Your total Trip length or less remaining on the Trip, at the time the mandatory evacuation ends, in order to cancel the Trip. m) Your or Your Traveling Companion‟s normal pregnancy as long as the pregnancy occurs after Your or Your Traveling Companion‟s Effective Date of coverage and can be verified by medical records. n) You will be attending a Family Member‟s childbirth as long as the pregnancy occurs after Your Effective Date of coverage and can be verified by medical records. o) The primary or secondary school where You, Your Traveling Companion or Your Dependent Children attend(s) must extend its operating session beyond the pre-defined school year, due to Unforeseen events commencing during Your policy effective period, and the travel dates for the Trip fall within the period of the school year extension. Extensions due to extra-curricular or athletic events are not covered. p) A cancellation of Your covered Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Trip Delay benefit.

Full Policy Wording

There is no Trip Cancellation coverage with this plan.

Full Policy Wording

There is no Trip Cancellation coverage with this plan.

Full Policy Wording

TRIP CANCELLATION & TRIP INTERRUPTION BENEFITS

Pre-Departure Trip Cancellation Benefits

If you are prevented from taking your Covered Trip for one of the Covered Reasons, we will reimburse you, up to the amount in the Schedule for the amount of forfeited, and prepaid, non-refundable, and unused Payments or Deposits that you paid for your Covered Trip.

We will pay your additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Covered Trip is canceled and your Covered Trip is not canceled.

NOTE: If the travel supplier cancels your Covered Trip, you are covered up to $200 for the reissue fee charged by the airline for the tickets or up to $200 for the cost charged to retain your frequent flyer miles/points if you had used them to purchase the airline ticket in conjunction with this Covered Trip. You must have covered the entire cost of the Covered Trip including the airfare.

Trip Cancellation and Interruption Covered Reasons
Coverage is provided for the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy if there is a change in plans by you, a Family Member traveling with you, or Traveling Companion:
1. Sickness, Injury or death of you, your Family Member, Traveling Companion, or Business Partner. The Sickness must commence while coverage is in effect, require the examination of a Physician, in person, at the time of Trip Cancellation or Trip Interruption and, in the written option of the treating Physician, be so disabling as to prevent you from taking or continuing your Covered Trip.
2. Common Carrier delays resulting from inclement weather, or mechanical breakdown or organized labor strikes that affect public transportation;
3. arrangements canceled by an airline, cruise line, motor coach company, or tour operator, resulting from inclement weather, mechanical breakdown or organized labor strikes that affect public transportation.
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;
5. being directly involved in a documented traffic accident while en route to departure;
6. being hijacked, quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, Family Member traveling with you or a Traveling Companion is not 1) a party to the legal action, or 2) appearing as a law enforcement officer;
7. your Home made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;
8. being called into active military service to provide aid or relief in the event of a natural disaster;
9. a documented theft of passports or visas;
10. a transfer of employment of 250 miles or more;
11. your involuntary termination of employment or layoff and was not under your control. You must have been continuously employed with the same employer for 1 year prior to the termination or layoff. This provision is not applicable to temporary employment, independent contractors or self-employed persons.
12. your host at destination is hospitalized or dies.

Full Policy Wording

TRIP CANCELLATION

Whenever You are prevented from taking or completing a Covered Trip as a result of any of the unforeseen events listed below, We will reimburse You up to the Maximum Benefit Amount for Trip Cancellation or Trip Interruption, for the following expenses:
1) any unused non-refundable prepaid expenses for Travel Arrangements;
2) any Published Penalties You incur as a result of a trip cancellation;
3) one way Economy Transportation, less the value of any unused return travel ticket, to return to thePoint of Origin or to continue on Your Covered Trip when an interruption in Your Covered Trip occurs;
4) accommodations and transportation expenses for up to $150/day for 10 additional days when: a) Your Traveling Companion is hospitalized or an Injury or Sickness to You not requiring hospitalization prevents You from continuing travel; and b) You must extend Your Covered Trip with additional hotel nights due to medically imposed restriction by a Physician; or
5) up to $150 for any reissue fee charged by the airline for Your airfare if Your Travel Supplier cancels Your Covered Trip or repositions the cruise ship or departure location. You must have covered the entire cost of the Covered Trip including the airfare.

Trip Cancellation must result from an unforeseen event that occurs after Your Effective Date and before Your Scheduled Departure Date. Trip Interruption must result from an unforeseen event that occurs after Your Scheduled Departure Date.

SINGLE SUPPLEMENT UPGRADE

We will reimburse You for the single supplement upgrade cost when Your Traveling Companion cancels his or her travel plans with You, or interrupts Your Covered Trip as a result of one of the unforeseen events listed below, and You decide not to cancel or interrupt Your Covered Trip.

As used in this provision, unforeseen events are as follows:
1) Any serious Injury or any serious Sickness occurring to: a) You, which results in medically imposed travel restrictions as certified by a Physician at the time of loss; b) Your Business Partner or a Traveling Companion, which is so disabling as to cause a reasonable person to delay, cancel, or interrupt his/her trip; c) Your or Your Traveling Companion’s Family Member that is considered life threatening or requiring hospitalization; or d) Your or Your Traveling Companion’s Family Member requiring Your or Your Traveling Companion’s immediate care.;
2) Your death, the death of Your Family Member, Business Partner or Your Traveling Companion or Your Traveling Companion’s Family Member.
3) Death, hospitalization, or quarantine of Your Host at Destination.
4) 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 the Policy and which stops service: a) more than 14 days following Your Policy 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.
5) A Terrorist Incident in Your city of departure or Destination occurring after Your Effective Date, if You are scheduled to arrive in or depart from that city within 30 days following the Terrorist Incident.
6) Your arrival at Your Destination is delayed and causes You to lose 50% or more of the scheduled Covered Trip duration due to any the unforeseen events covered under Trip Delay.
7) An Organized Labor Strike that causes complete cessation of travel services delaying the departure of Your Covered Trip for at least 24 consecutive hours.
8) Inclement Weather which causes Your Common Carrier to delay the departure of Your Covered Trip for at least 24 hours.
9) A traffic accident directly involving You or Your Traveling Companion, as documented by a police report, while enroute to the Point of Origin.
10) Documented theft of Your or Your Traveling Companion’s passports and/or visas required for the Covered Trip.
11) You or Your Traveling Companion are transferred by the employer with whom You or Your Traveling Companion are employed as a full-time active employee at the time You enrolled for this insurance. Such transfer must result in You or Your Traveling Companion having to relocate 250 miles or more from Your or Your Traveling Companion’s original Primary Residence.
12) You or Your Traveling Companion being called to the emergency service of the government in response to a Natural Disaster.
13) Involuntary termination or layoff affecting You or Your Traveling Companion. Employment must have been on an active full-time basis and with the same employer for at least 3 continuous years immediately preceding the termination or layoff.
14) Your or Your Traveling Companion’s place of business being made unsuitable for the transaction of business by fire, vandalism, burglary or Natural Disaster.
15) Your or Your Traveling Companion’s Primary Residence or Destination accommodations being made uninhabitable during Your Covered Trip by fire, vandalism, burglary or Natural Disaster.
16) Burglary of Your or Your Traveling Companion’s residence within 10 days of Your Scheduled Departure Date or during Your Covered Trip.
17) Injuries sustained during a felonious assault committed against You or Your Traveling Companion which occurs within 10 days of Your Scheduled Departure Date or during Your Covered Trip.
18) You or Your Traveling Companion are hijacked, quarantined, called for jury duty, or called for a court ordered appearance as a witness (except law enforcement officers) in a trial in which You or Your Traveling Companion are not a party.

Full Policy Wording

TRIP CANCELLATION

Whenever You are prevented from taking or completing a Covered Trip as a result of any of the unforeseen events listed below, We will reimburse You up to the Maximum Benefit Amount for Trip Cancellation or Trip Interruption, for the following expenses:
1) any unused non-refundable prepaid expenses for Travel Arrangements;
2) any Published Penalties You incur as a result of a trip cancellation;
3) one way Economy Transportation, less the value of any unused return travel ticket, to return to the Point of Origin or to continue on Your Covered Trip when an interruption in Your Covered Trip occurs;
4) accommodations and transportation expenses for up to $150/day for 10 additional days when:
a) Your Traveling Companion is hospitalized or an Injury or Sickness to You not requiring hospitalization prevents You from continuing travel; and
b) You must extend Your Covered Trip with additional hotel nights due to medically imposed restriction by a Physician; or
5) up to $150 for any reissue fee charged by the airline for Your airfare if Your Travel Supplier cancels Your Covered Trip or repositions the cruise ship or departure location. You must have covered the entire cost of the Covered Trip including the airfare.Trip Cancellation must result from an unforeseen event that occurs after Your Effective Date and before Your Scheduled Departure Date. Trip Interruption must result from an unforeseen event that occurs after Your Scheduled Departure Date.

SINGLE SUPPLEMENT UPGRADE

We will reimburse You for the single supplement upgrade cost when Your Traveling Companion cancels his or her travel plans with You, or interrupts Your Covered Trip as a result of one of the unforeseen events listed below, and You decide not to cancel or interrupt Your Covered Trip.

As used in this provision, unforeseen events are as follows:
1) Any serious Injury or any serious Sickness occurring to:
a) You, which results in medically imposed travel restrictions as certified by a Physician at the time of loss;
b) Your Business Partner or a Traveling Companion, which is so disabling as to cause a reasonable person to delay, cancel, or interrupt his/her trip;
c) Your or Your Traveling Companion’s Family Member that is considered life threatening or requiring hospitalization; or
d) Your or Your Traveling Companion’s Family Member requiring Your or Your Traveling Companion’s immediate care.;
2) Your death, the death of Your Family Member, Business Partner or Your Traveling Companion or Your Traveling Companion’s Family Member.
3) Death, hospitalization, or quarantine of Your Host at Destination.
4) 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 the Policy and which stops service:
a) more than 14 days following Your Policy 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.
5) A Terrorist Incident in Your city of departure or Destination occurring after Your Effective Date, if You are scheduled to arrive in or depart from that city within 30 days following the Terrorist Incident.
6) Your arrival at Your Destination is delayed and causes You to lose 50% or more of the scheduled Covered Trip duration due to any the unforeseen events covered under Trip Delay.
7) An Organized Labor Strike that causes complete cessation of travel services delaying the departure of Your Covered Trip for at least 24 consecutive hours.
8) Inclement Weather which causes Your Common Carrier to delay the departure of Your Covered Trip for at least 24 hours.
9) A traffic accident directly involving You or Your Traveling Companion, as documented by a police report, while enroute to the Point of Origin.
10) Documented theft of Your or Your Traveling Companion’s passports and/or visas required for the Covered Trip.
11) You or Your Traveling Companion are transferred by the employer with whom You or Your Traveling Companion are employed as a full-time active employee at the time You enrolled for this insurance. Such transfer must result in You or Your Traveling Companion having to relocate 250 miles or more from Your or Your Traveling Companion’s original Primary Residence.
12) You or Your Traveling Companion being called to the emergency service of the government in response to a Natural Disaster.
13) Involuntary termination or layoff affecting You or Your Traveling Companion. Employment must have been on an active full-time basis and with the same employer for at least 3 continuous years immediately preceding the termination or layoff.
14) Your or Your Traveling Companion’s place of business being made unsuitable for the transaction of business by fire, vandalism, burglary or Natural Disaster.
15) Your or Your Traveling Companion’s Primary Residence or Destination accommodations being made uninhabitable during Your Covered Trip by fire, vandalism, burglary or Natural Disaster.
16) Burglary of Your or Your Traveling Companion’s residence within 10 days of Your Scheduled Departure Date or during Your Covered Trip.
17) Injuries sustained during a felonious assault committed against You or Your Traveling Companion which occurs within 10 days of Your Scheduled Departure Date or during Your Covered Trip.
18) You or Your Traveling Companion are hijacked, quarantined, called for jury duty, or called for a court ordered appearance as a witness (except law enforcement officers) in a trial in which You or Your Traveling Companion are not a party.

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:
1. Death involving You or Your Traveling Companion or Your or Your Traveling Companion’s Business Partner or Your Family Member;
2. A covered Sickness or Injury involving You, Your Traveling Companion or Business Partner, or Your Family Member which necessitates Medical Treatment at the time of cancellation and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents Your participation in the Trip; or
3. For the Other Covered Reasons listed below;

provided such circumstances occurred after Your Effective Date.

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:
1. Death involving You or Your Traveling Companion or Your or Your Traveling Companion’s Business Partner or Your Family Member;
2. A covered Sickness or Injury involving You, Your Traveling Companion or Business Partner, or Your Family Member which necessitates Medical Treatment at the time of interruption and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents Your continued participation in the Trip; or
3. For the Other Covered Reasons listed below;

provided such circumstances occurred after Your Effective Date.

Other Covered Reasons means:
a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date) served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);
b. Your or Your Traveling Companion’s principal place of residence or destination being rendered uninhabitable by fire, flood, burglary or other natural disaster within 10 days of departure;
c. a documented theft of passports or visas;
d. a permanent transfer of employment of 250 miles or more;
e. You or Your Traveling Companion being directly involved in a traffic accident, which must be substantiated by a police report, while en route to Your scheduled point of departure;
f. unannounced Strike that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
g. Inclement Weather that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
h. mechanical breakdown that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
i. You or Your Traveling Companion is in the Military and called to emergency duty for a national disaster other than war;
j. a Terrorist Incident that occurs in a city listed on the itinerary of Your Trip and within 30 days prior to Your Scheduled Departure Date. Benefits are not provided if the Travel Supplier offers a substitute itinerary.

Additional Trip Interruption Benefits:
If Your Traveling Companion must remain hospitalized, benefits will also be paid for reasonable accommodation and transportation expenses incurred by You to remain with Your Traveling Companion up to $100 per day, limited to 5 days.

If You cannot continue travel due to a covered Injury or Sickness not requiring hospitalization, and You must extend Your Trip due to medically imposed restrictions, as certified by a Legally Qualified Physician, benefits will be paid for additional hotel nights up to $100 per day, limited to 5 days.

If there is no Trip cost insured, the Trip Interruption Benefit will be limited to a maximum amount of $500.

For Trip Cancellation or Interruption:

Trip Cancellation:
The maximum payable under this benefit is the lesser of a) the Maximum Benefit Amount shown in the Schedule of Benefits; or b) the total amount of coverage You purchased.

Trip Interruption:
The maximum payable under this benefit is the lesser of a) the Maximum Benefit Amount shown in the Schedule of Benefits; or b) 100% of the total amount of coverage You purchased.

Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for prepaid Travel Arrangements if Your Family Member or Traveling Companion has his/her Trip delayed, canceled or interrupted for a covered reason and You do not cancel.

These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.

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:
1. Death involving You or Your Traveling Companion or Your or Your Traveling Companion’s Business Partner or Your Family Member;
2. A covered Sickness or Injury involving You, Your Traveling Companion or Business Partner, or Your Family Member which necessitates Medical Treatment at the time of cancellation and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents Your participation in the Trip; or
3. For the Other Covered Reasons listed below;

provided such circumstances occurred after Your Effective Date.

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:
1. Death involving You or Your Traveling Companion or Your or Your Traveling Companion’s Business Partner or Your Family Member;
2. A covered Sickness or Injury involving You, Your Traveling Companion or Business Partner, or Your Family Member which necessitates Medical Treatment at the time of interruption and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents Your continued participation in the Trip; or
3. For the Other Covered Reasons listed below;

provided such circumstances occurred after Your Effective Date.

Other Covered Reasons means:
a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date) served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);
b. Your or Your Traveling Companion’s principal place of residence or destination being rendered uninhabitable by fire, flood, burglary or other natural disaster within 10 days of departure;
c. Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire, flood, burglary or other natural disaster and You and/or Your Traveling Companion are required to work as a result;
d. a documented theft of passports or visas;
e. a permanent transfer of employment of 250 miles or more;
f. You or Your Traveling Companion being directly involved in a traffic accident, which must be substantiated by a police report, while en route to Your scheduled point of departure;
g. unannounced Strike that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
h. Inclement Weather that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
i. mechanical breakdown that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
j. You or Your Traveling Companion is in the Military and called to emergency duty for a national disaster other than war;
k. involuntary employer termination or layoff affecting You or a person(s) sharing the same room with You during Your Trip. Employment must have been with the same employer for at least 1 continuous year;
l. a Terrorist Incident that occurs in a city listed on the itinerary of Your Trip and within 30 days prior to Your Scheduled Departure Date. Benefits are not provided if the Travel Supplier offers a substitute itinerary;
m. revocation of Your previously granted leave or reassignment due to war. Official written revocation/ re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;
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;
o. Your family or friends living abroad with whom You were planning to stay are unable to provide accommodations due to life threatening illness, life threatening injury or death of one of them;
p. You or Your Traveling Companion are required to work during the Trip. A written statement by a company officer and/or the Human Resources department demonstrating revocation of previously approved time off will be required;
q. mandatory evacuation or public official evacuation advisements where there is no mandatory evacuation issued by local government authorities at Your destination due to adverse weather or natural disaster. In order to cancel Your Trip, You must have 4 days or 50% of Your total Trip length or less remaining on Your Trip at the time the mandatory evacuation ends;
r. felonious assault of You or Your Traveling Companion within 10 days of the Scheduled Departure Date;
s. You or Your Traveling Companion are directly involved in the merger of Your employer or the acquisition of Your employer by another company;
t. a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 15 days following Your Effective Date of coverage for the Trip Cancellation Benefits;
u. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.

Additional Trip Interruption Benefits:
If Your Traveling Companion must remain hospitalized, benefits will also be paid for reasonable accommodation and transportation expenses incurred by You to remain with Your Traveling Companion up to $150 per day, limited to 5 days.

If You cannot continue travel due to a covered Injury or Sickness not requiring hospitalization, and You must extend Your Trip due to medically imposed restrictions, as certified by a Legally Qualified Physician, benefits will be paid for additional hotel nights up to $150 per day, limited to 5 days.

If You interrupt Your Trip for a covered reason, We will also reimburse You, up to $300, for the amount of unused, forfeited, non-refundable payments for shore excursions; theater, concert or event tickets or fees; or sightseeing if such arrangements are made during Your Trip and are to be used prior to the Scheduled Return Date of Your Trip.

For Trip Cancellation or Interruption:

Trip Cancellation:
The maximum payable under this benefit is the lesser of a) the Maximum Benefit Amount shown in the Schedule of Benefits; or b) the total amount of coverage You purchased. Benefits will be paid, up to $150, for the cost of an airlineimposed change or reissue fee if Your Trip is canceled by a Travel Supplier of land or water Travel Arrangements.

Trip Interruption:
The maximum payable under this benefit is the lesser of a) the Maximum Benefit Amount shown in the Schedule of Benefits; or b) 150% of the total amount of coverage You purchased.

Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for prepaid Travel Arrangements if Your Family Member or Traveling Companion has his/her Trip delayed, canceled or interrupted for a covered reason and You do not cancel.

In the event a cruise/tour supplier makes a change in Your Trip itinerary after Your Scheduled Departure Date, which prevents You from participating in an event/activity prepaid prior to departure and scheduled on Your Trip itinerary, non-refundable prepaid event/activity expenses will be payable up to $250. Benefits will not be paid if a comparable event/activity of equivalent cost is rescheduled during the course of the Trip.

These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.

If there is no Trip cost insured, the Trip Interruption Benefit will be limited to a maximum amount of $1,000.

Full Policy Wording

There is no Trip Cancellation coverage with this plan.

Full Policy Wording

There is no Trip Cancellation coverage with this plan.

Full Policy Wording

There is no Trip Cancellation coverage with this plan.

Full Policy Wording

There is no Trip Cancellation coverage with this plan.

Full Policy Wording

You have benefits in the amount purchased for unused non-refundable prepaid expenses for travel arrangements, whenever you are prevented from taking a trip for any of the following reasons that occur after the effective date of your protection plan:
1. Specified sickness, injury or death of you, your traveling companion, business partner or family member of either you or your traveling companion that results in medically imposed restrictions as certified by a legally qualified physician at the time of loss, preventing your continued participation in the trip.
2. Strike that causes complete cessation of services of your common carrier for at least 48 consecutive hours.
3. Weather that causes complete cessation of services of your common carrier for at least 48 consecutive hours.
4. Employer termination or layoff affecting you or a person sharing the same room. Employment must have been with the same employer for at least three continuous years.
5. Terrorism. The Terrorist Incident must occur in a city listed on Your itinerary within 30 days prior to Your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the 90 days prior to the Terrorist Incident, which is causing Your cancellation. Benefits are not provided if Your Travel Supplier offers a substitute itinerary.
6. Hijack, quarantine, jury duty or court ordered appearance as a witness in a legal action in which you or your traveling companion are not a party (except law enforcement officers).
7. Primary residence of you or your traveling companion is rendered uninhabitable due to unforeseen circumstances.
8. Burglary of you or your traveling companion’s primary residence within 10 days of departure or during your trip.
9. Felonious assault of you or your traveling companion within 10 days of departure or during your trip.
10. You or your traveling companion are called to emergency military duty for a national disaster other than war.
11. Traffic accident directly involving either you or your traveling companion, substantiated by a police report, while en route to a scheduled departure point.
12. If your travel supplier cancels your trip, you will receive up to US$ 75 for the reissue fee charged by the airline for your tickets. You must cover the full cost of the trip.

All cancellations must be reported to the Travel Supplier within 72 hours of the event causing the need to cancel. If the event delays the reporting of the cancellation beyond the 72 hours, report the event as soon as possible. All other delays of reporting beyond 72 hours will result in reduced benefit payments.

Trip Cost is the full cost of the trip that must be declared and informed in the purchase form. If Airline tickets are paid with award miles, the cost of issuing the ticket and taxes paid must be included in the full declared cost of the trip. In case of a Trip Cancellation or Trip Interruption claim, if the trip cost is not informed and declared as stated above, benefit will be settled proportionally to the declared trip cost amount (pro-rata).

Full Policy Wording

You have benefits in the amount purchased for unused non-refundable prepaid expenses for travel arrangements, whenever you are prevented from taking a trip for any of the following reasons that occur after the effective date of your protection plan:
1. Specified sickness, injury or death of you, your traveling companion, business partner or family member of either you or your traveling companion that results in medically imposed restrictions as certified by a legally qualified physician at the time of loss, preventing your continued participation in the trip.
2. Strike that causes complete cessation of services of your common carrier for at least 48 consecutive hours.
3. Weather that causes complete cessation of services of your common carrier for at least 48 consecutive hours.
4. Employer termination or layoff affecting you or a person sharing the same room. Employment must have been with the same employer for at least three continuous years.
5. Terrorism. The Terrorist Incident must occur in a city listed on Your itinerary within 30 days prior to Your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the 90 days prior to the Terrorist Incident, which is causing Your cancellation. Benefits are not provided if Your Travel Supplier offers a substitute itinerary.
6. Hijack, quarantine, jury duty or court ordered appearance as a witness in a legal action in which you or your traveling companion are not a party (except law enforcement officers).
7. Primary residence of you or your traveling companion is rendered uninhabitable due to unforeseen circumstances.
8. Burglary of you or your traveling companion’s primary residence within 10 days of departure or during your trip.
9. Felonious assault of you or your traveling companion within 10 days of departure or during your trip.
10. You or your traveling companion are called to emergency military duty for a national disaster other than war.
11. Traffic accident directly involving either you or your traveling companion, substantiated by a police report, while en route to a scheduled departure point.
12. If your travel supplier cancels your trip, you will receive up to US$ 75 for the reissue fee charged by the airline for your tickets. You must cover the full cost of the trip.

All cancellations must be reported to the Travel Supplier within 72 hours of the event causing the need to cancel. If the event delays the reporting of the cancellation beyond the 72 hours, report the event as soon as possible. All other delays of reporting beyond 72 hours will result in reduced benefit payments.

Trip Cost is the full cost of the trip that must be declared and informed in the purchase form. If Airline tickets are paid with award miles, the cost of issuing the ticket and taxes paid must be included in the full declared cost of the trip. In case of a Trip Cancellation or Trip Interruption claim, if the trip cost is not informed and declared as stated above, benefit will be settled proportionally to the declared trip cost amount (pro-rata).