Provides reimbursement for non-refundable trip payments and deposits if a trip is cancelled for illness, death or other specific unforeseen circumstances.
Provides reimbursement for non-refundable trip payments and deposits if a trip is cancelled for illness, death or other specific unforeseen circumstances.
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, guide/outfitter for the Insured’s Trip, 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.
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) 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. 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 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) the Insured or Traveling Companion being called into active military service or having leave revoked or being 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 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;
k) 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;
l) 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;
m) 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
n) 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;
o) 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;
p) 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; or
q) 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.
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.
“Actual Cash Value” means purchase price less depreciation.
“Baggage” means luggage and personal possessions, whether owned, borrowed, or rented, taken by the Insured on the Trip.
“Business Partner” means an individual who:
a) is involved with the Insured or the Insured’s Traveling Companion in a legal partnership; and
b) is actively involved in the daily management of the business.
“Common Carrier” means any conveyance operated under a license for the transportation of passengers for hire.
“Complication of Pregnancy” means a condition whose diagnosis is distinct from pregnancy but adversely affected or caused by pregnancy. It does not include any condition associated with the management of a difficult pregnancy not consisting of a classifiable distinct Complication of Pregnancy.
“Deductible” means the amount of charges that must be incurred by the Insured before benefits become payable. The amount of the Deductible is the Deductible shown in the Schedule of Benefits for each coverage to which a Deductible applies.
“Destination” means the place where the Insured expects to travel on his/her Trip, as shown on the Enrollment Form.
“Domestic Partner” means an opposite or a same-sex partner who is at least 18 years of age and has met all of the following requirements for at least 6 months:
1) resides with the Insured;
2) shares financial assets and obligations with the Insured; the Insurer may require proof of the Domestic Partner relationship in the form of a signed and completed Affidavit of Domestic Partnership.
“Exotic Vehicle” any vehicle with an original manufacturer’s suggested retail price greater than $50,000 and antique cars meaning cars that are over 20 years old or have not been manufactured for 10 or more years.
“Experimental or Investigative” means treatment, a device or prescription medication which is recommended by a Physician, but is not considered by the medical community as a whole to be safe and effective for the condition for which the treatment, device or prescription medication is being used, including any treatment, procedure, facility, equipment, drugs, drug usage, devices, or supplies not recognized as accepted medical practice, and any of those items requiring federal or other governmental agency approval not received at the time services are rendered.
“Felonious Assault” means an act of violence against the Insured or a Traveling Companion requiring medical treatment in a Hospital.
“Financial Default” means the total cessation of operations due to insolvency, with or without the filing of a bankruptcy petition by a tour operator, cruise line, or airline provided the Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation Benefits. There is no coverage for the Financial Default of any person, organization, agency, or firm from whom you purchased travel arrangements supplied by others.
“Hospital” means a facility that:
1) is operated according to law for the care and treatment of injured people;
2) has organized facilities for diagnosis and surgery on its premises or in facilities available to it on a prearranged basis;
3) has 24 hour nursing service by registered nurses (R.N.’s); and
4) is supervised by one or more Physicians.
A Hospital does not include:
1) a nursing, convalescent or geriatric unit of a hospital when a patient is confined mainly to receive nursing care;
2) a facility that is, other than incidentally, a rest home, nursing home, convalescent home or home for the aged; nor does it include any ward, room, wing, or other section of the hospital that is used for such purposes; or
3) any military or veterans hospital or soldiers home or any hospital contracted for or operated by any national government or government agency for the treatment of members or ex-members of the armed forces.
“Immediate Family Member” means the Insured’s or Traveling Companion’s spouse or Domestic Partner, child, spouse’s child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-brother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, legal guardian, caregiver, legal ward, or Domestic Partner of any of the above.
“Inclement Weather” means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier. With respect to an Insured who is traveling via private/non-commercial automobile transportation, any severe weather condition which prevents an Insured from reaching the Destination.
“Injury” means a bodily injury caused by an accident occurring while the Insured’s coverage under the Policy is in force, and resulting directly and independently of all other causes of loss covered by the Policy. The injury must be verified by a Physician.
“Insured” means the person(s) named on the individual Enrollment Form and for whom the plan cost has been paid.
“Insurer” means National Union Fire Insurance Company of Pittsburgh, PA.
“Key Employee” means an employee of an employer who is responsible for policy and decision making.
“Medically Necessary” means that a treatment, service, or supply:
1) is essential for diagnosis, treatment, or care of the Injury or Sickness for which it is prescribed or performed;
2) meets generally accepted standards of medical practice;
3) is ordered by a Physician and performed under his or her care, supervision, or order; and
4) is not primarily for the convenience of the Insured, Physician, other providers, or any other person.
“Natural Disaster” means a flood, hurricane, tornado, earthquake, or blizzard that is due to natural causes.
“Physician” means a licensed practitioner of the healing arts including accredited Christian Science Practitioners, acting within the scope of his/her license. The treating Physician may not be the Insured, Immediate Family Member, or a Traveling Companion.
“Reasonable Additional Expenses” means any expenses for meals, taxi fares, essential telephone calls, and lodging which were necessarily incurred as the result of a Trip Delay and which are not provided by the Common Carrier or any other party free of charge.
“Reasonable and Customary Charges” means an expense which:
a) is charged for treatment, supplies, or medical services Medically Necessary to treat the Insured’s condition;
b) does not exceed the usual level of charges for similar treatment, supplies or medical services in the locality where the expense is incurred; and
c) does not include charges that would not have been made if no insurance existed. In no event will the Reasonable and Customary Charges exceed the actual amount charged.
“Return Destination” means the place to which the Insured expects to return from his/her Trip.
“Sickness” means an illness or disease diagnosed or treated by a Physician.
“Strike” means a stoppage of work
a) announced, organized, and sanctioned by a labor union and
b) which interferes with the normal departure and arrival of a Common Carrier. This includes work slowdowns and sickouts.
“Terrorist Incident” means an act of violence, other than civil disorder or riot (that is not an act of war, declared or undeclared) that results in loss of life or major damage to property, by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government.
“Traveling Companion” means a person or persons with whom you have coordinated travel arrangements and intends to travel with during the Trip. A group or tour leader is not considered a Traveling Companion, unless you are sharing room accommodations with the group or tour leader.
“Trip” means a period of travel away from home to a Destination outside the Insured’s city of residence; the purpose of the Trip is business or pleasure and is not to obtain health care or treatment of any kind; the Trip has defined departure and return dates specified when the Insured applies; the Trip does not exceed 365 days; travel is primarily by Common Carrier and only incidentally by private conveyance.
“Unforeseen” means not anticipated or expected and occurring after the effective date of the policy. “Uninhabitable” means
1) the building structure itself is unstable and there is a risk of collapse in whole or in part;
2) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail or flood;
3) immediate safety hazards have yet to be cleared, such as debris on roofs or downed electrical lines; or
4) the rental is without electricity or water. An Insured’s Destination is inaccessible if he or she cannot reach the property by the original mode of transportation.
In addition to any exclusions which apply to a particular benefit (called “Additional Exclusions”), the policy does not cover any loss caused by:
a) intentionally self-inflicted Injury or any attempt at an intentionally self-inflicted Injury, suicide, or attempted suicide by the Insured, Immediate Family Member, Traveling Companion or Business Partner; (while sane, in Colorado and Missouri);
b) pregnancy or childbirth, or elective abortion, other than the Complications of Pregnancy;
c) participation in professional athletic events, motor sport, or motor racing, including training or practice for the same;
d) Mountain Climbing (meaning the ascent or descent of a mountain requiring the use of specialized equipment, including but not limited to pick-axes, anchors, bolts, crampons, carabineers and lead or top-rope anchoring equipment);
e) war or act of war, whether declared or not, civil commotion, riot, or insurrection;
f) operating or learning to operate any aircraft, as student, pilot, or crew;
g) air travel on any air-supported device, other than a regularly scheduled airline or air charter company;
h) loss or damage caused by detention, confiscation, or destruction by customs;
i) any unlawful acts, committed by the Insured, Immediate Family Member, or a Traveling Companion, whether insured or not (not applicable in Florida);
j) mental, psychological or nervous disorders including, but not limited to, anxiety, depression, neurosis or psychosis;
k) if the Insured’s tickets do not contain specific travel dates (open tickets);
l) alcohol or substance abuse or treatment for same; or
m) an Injury or Sickness which occurs at a time when this coverage is not in effect
n) elective or non-emergency treatment or surgery, except for any necessary treatment or surgery due to covered Injury or Sickness;
o) Experimental or Investigative treatment or procedures.
PRE-EXISTING MEDICAL CONDITION EXCLUSION:
The Insurer will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition of you, traveling companion, business partner or Immediate Family Member which, within the 180 day period immediately preceding and including your coverage effective date: first manifested itself or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or for which care or treatment was given or recommended by a Physician; or required the taking of prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the prescription drugs or medicines.
The Insurer will waive this exclusion if the Insured meets the following conditions:
1. You purchase the program within 15 days of making the initial Trip payment;
2. The amount of Trip Cancellation coverage purchased at that time equals the full cost of all pre-paid non-refundable trip arrangements. The cost of any subsequent arrangement(s) added to the same Trip must be insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s);
3. You must be medically able to travel when plan cost is paid; and
4. Applies to the first $30,000 of Trip cost per person.
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.
Additional Equipment and Personal Effect Exclusions: In addition to the General Exclusions, the Insurer will not pay for any loss due to:
a) defective materials or craftsmanship;
b) normal wear and tear;
c) gradual deterioration; or
d) rodents, animals, vermin or insects.
Additional Medical Expense Exclusions: In addition to the General Exclusions, coverage is not provided for:
a) routine physical examinations;
b) mental, psychological or nervous disorders including but not limited to: anxiety, depression, neurosis or psychosis, panic attacks and post traumatic stress disorder;
c) replacement of hearing aids, eye glasses, contact lenses, sunglasses, for the correction of vision or fitting of glasses;
d) routine dental care, dentures, false teeth;
e) alcohol or substance abuse or treatment for same;
f) any service provided by the Insured, an Immediate Family Member, or Traveling Companion.
Additional Flight Guard – Flight Accident Benefit Exclusion: In addition to the General Exclusions, the Insurer will not pay for loss caused by or resulting from Sickness or disease of any kind.
Additional Car Rental Collision Coverage Exclusions: In addition to the General Exclusions, coverage is not provided for loss due to:
a) any loss which occurs if the Insured or his/her Traveling Companion is in violation of the rental agreement;
b) rentals of trucks, campers, trailers, off-road vehicles, motor bikes, motorcycles, recreational vehicles, or Exotic Vehicles;
c) any obligation the Insured or his or her Traveling Companion assumes under any agreement except insurance collision deductible;
d) failure to report the loss to the proper local authorities and the rental car company;
e) damage to any other vehicle, structure, or person as a result of a covered loss;
f) driving under the influence of alcohol;
g) Injury sustained while committing or attempting to commit a crime (not applicable in FL.)