Missed Connection provides reimbursement in the event of a missed flight connection or for the additional costs to “catch up” to a cruise if the cause of delay is an accident or bad weather.
Missed Connection
- $500 per person
Covered after 6 hour delay
Cruise only
What is Missed Connection?
What am I covered for?
We will also pay for additional reasonable transportation costs to help the Insured Person join (catch up to) a covered cruise, up to the amount shown on the Certificate Schedule, if the delay is due to bad weather and causes the Insured Person to miss cruise departure because the airline flight was canceled or delayed for at least six (6) hours. The Travel Delay benefit is reduced by any benefit paid by the airline carrier or cruise line towards any additional transportation costs.
Definitions
“Accidental or Accident” means an unexpected and unforeseen incident, including a Terrorist Incident.
“Baggage” means luggage and personal possessions, whether owned, borrowed or rented, that is taken or purchased by You on the Covered Trip.
“Business Partner” means an individual who owns at least 10% of the same business as You and is actively involved in the day-to-day management of that business, and there are no more than three partners together who own the same business.
“Certificate” means an outline of the terms of coverage and provisions of the Policy, which includes this document and Your application.
“Covered Trip” means any travel and sojourn to a Destination more than 120 miles from the starting point of the Covered Trip and not exceeding 30 consecutive days.
“Departure Date” means the scheduled date to begin the Covered Trip as referenced on Your coverage verification letter for this Certificate.
“Destination” means one or more cities to which You are scheduled to travel on a Covered Trip.
“Emergency” means a sudden, unexpected, unforeseen occurrence demanding immediate action.
“Family Member” means Your spouse, children, brothers or sisters (including in-laws), parents (including in-laws), grandparents (including in-laws), grandchildren, aunts, uncles, nieces, nephews, legal guardians, and legal wards.
“Financial Default” means the complete suspension of operations due to financial circumstances whether or not a bankruptcy petition is filed, or a partial suspension of operation following a filing of a bankruptcy petition in a court of competent jurisdiction under Chapter 7 or Chapter 11 of the U.S. Bankruptcy Code.
“Illness” means a sickness, impairment or physical condition that involves inpatient care in a Hospital, or requires Emergency treatment by a qualified Physician.
“Injury” means trauma or damage to any part of the body caused solely by Accident and not contributed to by any other cause.
“Insured” means the Member who arranged to take the Covered Trip, completed the application, paid the premium in full, and whose coverage under the Policy has become effective and has not terminated.
“Member” means any person who belongs to the Policyholder’s association.
“Organized Labor Strike” means any stoppage of work: (a) as a result of a combined effort of workers which was unannounced and unpublished at the time a Covered Trip was purchased; and (b) which interferes with the normal departure and arrival of a Common Carrier. An Organized Labor Strike is no longer unannounced and unpublished beginning with the first day of an announced “cooling off period.”
“Physician” means a person, other than You, a Travel Companion or a Family Member, who is licensed as a medical doctor in the healing arts, and acting within the scope of his or her license for the service or treatment given.
“Policy” means the Group Travel Insurance Policy issued to the Policyholder by Us. As the underwriting insurance carrier, We are solely liable and responsible for the coverage and benefits provided under the Policy.
“Policyholder” means the National Small Business Travel & Health Association.
“Pre-Existing Condition” means an Injury or Illness which manifests itself during the 60 days immediately before and including the date Your coverage became effective, unless the condition is controlled through the taking of prescription drugs or medication and remains controlled throughout the 60 day period.
An Illness or Injury has manifested itself when:
1. Medical care or treatment has been given; or
2. There exist symptoms which would cause a reasonably prudent person to seek diagnosis, care, or treatment; or
3. Prescription medication has been altered or changed.
“Return Date” means the scheduled date on which You are to arrive at Your Return Destination as shown on the coverage verification letter for the Certificate.
“Return Destination” means the place to which You are scheduled to return from a Covered Trip.
“Scheduled Airline” (including scheduled charters) means an airline with a license for civil scheduled air transport issued by the country in which its aircraft are registered. Such airline must file and publish schedules and fares for regular passenger service between cities.
“Terrorist Incident” means any violent act or an act that is dangerous to human life, property or infrastructure, that is committed within 120 miles of a Destination, by any person or persons who appear to be part of an effort to coerce a civilian population or affect the conduct of any government by coercion.
“Travel Companion” means a person who accompanies you and shares accommodations with You on a Covered Trip, and a physical cross-reference entry exists within a computerized reservation system, a global distribution system or Travel Supplier reservation system that references Travel Companions to each other.
“Travel Companion’s Family Member” means a Travel Companion’s spouse, children, parents, grandparents, or grandchildren.
“Travel Supplier” means a travel agent, Scheduled Airline, cruise line, tour operator, bus line, or other licensed provider of travel.
“We, Us, Our” means Delos Insurance Company.
“You or Your” means the Insured.
Exclusions
Trip Cancellation
We will not pay this benefit if Your Illness, Injury or death is a result of a Pre-Existing Condition. This Pre-Existing Condition exclusion is waived if coverage is purchased within 14 days from the date Your initial deposit for the Covered Trip was paid to the Travel Supplier, and all Insureds are medically able to travel on the date coverage is purchased.
Baggage Delay
The following limitations will apply:
1. This benefit does not apply if Baggage is delayed after You have reached Your Return Destination.
2. We will cover only one Baggage Delay per Covered Trip.
3. This benefit is in excess of any reimbursable costs paid by a Common Carrier.
General exclusions
We will not pay for any Illness, Injury or loss caused by or as a result of:
1. A Pre-Existing Condition, except as waived by Us under the terms of the Policy.
2. War or any act of war (whether declared or undeclared), civil disturbance, riot or insurrection.
3. Serving in one of the armed forces of any country or international authority.
4. Operating, learning to operate, piloting or riding in or on any aircraft or flying device, other than riding as a passenger in a licensed commercial aircraft.
5. Suicide or attempted suicide, while sane; intentionally self-inflicted Injury or Illness.
6. Being under the influence of any intoxicant, drug or narcotic unless prescribed by a Physician.
7. Training, practicing or participating in any motor sport or motor racing.
8. Parachuting, hang gliding, parasailing, hot air ballooning, scuba diving below 135 feet or any type of scuba diving without the proper diving training and certification from a professional organization, rock or mountain climbing, or hunting.
9. Pregnancy or childbirth when You are expected to give birth within two months from the date of a Covered Trip or an elective abortion.
10. Traveling against the advice of a Physician, traveling while on a waiting list for inpatient Hospital or clinic treatment, or traveling for the purpose of obtaining medical treatment abroad.
11. Taking part in any scheduled athletic event or competition.
12. Any emotional, psychological, mental or nervous disorder.
13. Any potentially fatal condition which was diagnosed before the date Your coverage became effective, or any condition for which You are traveling to seek treatment.
14. Dental treatment due to normal wear and tear or the normal maintenance of dental health.