Provides reimbursement for non-refundable trip payments and deposits if a trip is interrupted for illness, death or other unforeseen circumstances.
Trip Interruption
- 100% of the trip cost
What is Trip Interruption?
What am I covered for?
Trip Interruption:
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.
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.
“Common Carrier” means any land, water, or air conveyance operated under a license for the transportation of passengers for hire.
“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.
“Hospital” means an institution or medical facility that meets all of the following requirements:
1. Properly accredited and where required by law, holds a license as a Hospital;
2. Operates mainly for the care and treatment of sick or injured persons as inpatients;
3. Provides twenty-four hours a day nursing care by registered nurses;
4. Has a staff of one or more Physicians available at all times;
5. Provides organized facilities for diagnosis and surgical procedures;
6. Not primarily a clinic, nursing home or convalescent home or similar place of business; and
7. Not mainly a place for treating alcoholics or drug addicts.
With respect to outpatient surgery or diagnostic testing, an ambulatory surgical center or a clinic will be considered a Hospital. Such facility must be properly accredited and, where required by law, hold a license allowing the facility to operate as such.
“Illness” means a sickness, impairment or physical condition that involves inpatient care in a Hospital, or requires 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.
“Locality” means an area large enough to represent a reasonable cross section of providers giving the type of service or supplies for which the charge was made.
“Member” means any person who belongs to the Policyholder’s association.
“Necessary” means medical treatment that is vital and required for the treatment of a covered Injury or Illness.
“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.
“Reasonable Expenses” means the normal and customary charge of the provider, incurred by You for a service or supply, but not more than the prevailing charge in the Locality for a like service by a provider with similar training or experience; or for a supply which is identical or substantially equivalent.
“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 / Interruption
We will not pay for those unused payments or deposits that are non-refundable as a result of Your failure to notify the Travel Supplier of the cancellation of a Covered Trip within 5 days after the death of a Family Member, Business Partner, Travel Companion or Travel Companion’s Family Member. 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 You are under the age of 70 and 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 and Personal Possessions
The following limitations will apply:
1. We will not pay for damage to or loss of or theft of Baggage which has been paid by a Common Carrier, hotel, Travel Supplier, or is otherwise payable under any other insurance.
2. We will pay no more than $500 for the first item of Baggage and, thereafter, no more than $250 per item of Baggage up to the maximum benefit shown on the Schedule of Benefits.
3. We will not pay for damage to or loss of:
a) Animals;
b) Property used in trade, business or for the production of income;
c) Motor vehicles, aircraft, and other conveyances or equipment or parts pertaining to such conveyances;
d) Artificial limbs, false teeth, any type of eyeglasses or contact lenses;
e) Tickets, except for administrative fees required to reissue tickets;
f) Money, stamps, stocks and bonds, postal or money orders;
g) Property shipped as freight, or shipped prior to the Departure Date;
h) Credit cards;
i) Contraband; or
j) Hearing aids.
4. We will not pay for loss due to:
a) Defective materials or craftsmanship;
b) Normal wear and tear;
c) Deterioration; or
d) Rodents, animals or insects.
This coverage does not include loss caused by Baggage delay.
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.
Emergency Medical / Dental Expense
We will not pay for:
1. Hernia, however caused;
2. Services or treatment given by a Family Member or any person employed or retained by You;
3. Experimental procedures;
4. Cosmetic surgery or procedure that is not reconstructive surgery which is
incidental to or follows surgery resulting from trauma, infection or other disease of You;
5. Benefits which are payable under any worker’s compensation or similar law;
6. Any surgical or medical treatment which can reasonably be delayed until You return to Your primary residence;
7. Any treatment or medication which at the time of departure You know is required to be continued during a Covered Trip;
8. The cost of dentures, dental appliances, false limbs, hearing aids, cochlear implants, contact or corneal lenses or spectacles (prescription or otherwise);
9. Any repatriation costs not authorized by Us;
10. The additional cost of a single or private room at a Hospital, except when the treating Physician considers it Necessary; or
11. Services or Covered Expenses incurred as a result of a Pre-Existing Condition. This Pre-Existing Condition exclusion is waived if You are under the age of 70 and 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 the coverage is purchased.
Emergency Medical Evacuation/Repatriation
We will not pay for any services or Covered Expenses incurred without Our prior consent or approval. We will not pay for any services or Covered Expenses incurred as a result of a Pre-Existing Condition. This Pre-Existing Condition exclusion is waived if You are under the age of 70 and 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 the coverage is purchased.
Emergency Reunion and Return of Mortal Remains
We will not pay for any services or expenses incurred without Our prior consent or approval.
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.