Provides reimbursement for non-refundable trip payments and deposits if a trip is interrupted for illness, death or other unforeseen circumstances.
Trip Interruption
- 150% of the trip cost
What is Trip Interruption?
What am I covered for?
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.
UNFORESEEN EVENTS
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.
Definitions
The following are key words and phrases used in this certificate. When these words and phrases, or forms of them, are used, they are capitalized. As You read this certificate, refer back to these definitions.
Accident: means a sudden, unexpected, unusual, specific and abrupt event. Such event must occur by chance at an identifiable time and place while coverage is in force. Any loss caused by, or resulting from a sickness or disease is not an Accident.
TADEF-1AA
Actual Cash Value: means the original cost of Your Baggage and Personal Effects less any depreciation as determined by Us.
PCDEF-1AA
Additional Transportation Cost: means the actual cost incurred for one-way, Economy Transportation as charged by a Common Carrier, reduced by the value of an unused travel ticket.
PCDEF-2AA
Baggage and Personal Effects: means any luggage or goods being used by You during a Covered Trip.
PCDEF-3AA
Bankruptcy: means the filing of a petition for voluntary or involuntary bankruptcy in a court of competent jurisdiction under Chapter 7 or Chapter 11 of the United States Bankruptcy Code 11 U.S.C. Subsection 101 et seq.
PCDEF-4AA
Business Partner: means an individual who has at least a 20% ownership interest in a commercial enterprise in which You also have at least a 20% ownership interest; and You are both actively engaged in the daily management of the business.
TADEF-2AA
Commercial Rental Vehicle Agency: means an agency licensed under the laws of the jurisdiction of operation which rents vehicles for the personal use of its customers subject to the terms and conditions found within a rental agreement.
PCDEF-5AA
Common Carrier: means any public land, water, or air conveyance operated under a license for the transportation of passengers for hire.
TADEF-3AA
Confirmation of Coverage: means the coverage confirmation provided to You following enrollment and payment of the applicable premium as calculated on the enrollment form. The Confirmation of Coverage is attached to and made a part of this certificate.
TADEFC-4AA
Covered Trip: means scheduled trips, tours or cruises for which:
1) coverage is requested;
2) the required premium is paid prior to Your Effective Date of coverage; and
3) the trip exceeds 150 miles from Your Primary Residence.
TADEF-5AA
Default: means the inability to provide contracted services due to total cessation or complete suspension of operations due to financial insolvency, with or without the filing of a Bankruptcy petition, whether voluntary or involuntary, by a tour operator, cruise line, airline, or other Travel Supplier which is duly licensed in the states of operation other than the person, organization, agency or firm from whom You directly purchased or to whom You paid for Your Covered Trip.
PCDEF-6AA
Destination: means the place to which You expect to travel on Your Covered Trip.
TADEF-6AA
Economy Transportation: means transportation at the lowest published available rate for a ticket on a Common Carrier matching the original class of transportation that You purchased for the Covered Trip.
TADEF-7AA
Emergency: means an unforeseen Sickness or Injury that requires immediate Medical Treatment to prevent or alleviate existing danger to life or health. An Emergency no longer exists when medical evidence indicates that You are able to return to Your Point of Origin or to continue with the Covered Trip without endangering Your life or physical health.
TADEF-8AA
Emergency Medical Expenses: means expense incurred during Your Covered Trip for Emergency services and supplies listed below and ordered or prescribed by a Physician as Medically Necessary for diagnosis or treatment. Such Expenses are limited to:
1) the services of a Physician;
2) Hospital or ambulatory medical-surgical center services (this will also include expenses for a cruise ship cabin or hotel room, not already included in the cost of Your Covered Trip, if recommended as a substitute for a hospital room for recovery of an Injury or Sickness); and
3) transportation furnished by a professional ambulance company to and from a Hospital; and
4) prescribed drugs, prosthetics and therapeutic services and supplies.
TADEF-9AA
Family Member: means legal spouse or common-law spouse (where legal), legal guardian, legal ward, son or daughter (adopted, foster, step or in-law), brother or sister (includes step or in-law), parent (includes step or in-law), grandparent (includes in-law), great-grandparent, grandchild, great-grandchild, aunt, uncle, niece, nephew or Key Person provided such Family Member resides in the United States, Canada or Mexico.
TADEF-10AA
Hospital: means an institution established according to law which:
1) holds a license as a Hospital (if required in the state);
2) operates primarily for the reception, care and
treatment of sick or injured persons as in-patients;
3) provides 24-hour nursing service;
4) has a staff of one or more Physicians available at all times;
5) provides organized facilities for diagnosis and surgery;
6) is not primarily a clinic, nursing, rest or convalescent home or a skilled nursing facility or similar establishment; and
7) is not, other than incidentally, a place for treatment of alcoholism, drug addiction or mental or nervous disorders.
The nursing service must be by registered or graduate nurses on duty or call. Confinement in a special unit of a Hospital used primarily as a nursing, rest or convalescent home or skilled nursing facility will not be deemed to be a confinement in a Hospital.
TADEF-11AA
Host at Destination: means the person, at his or her usual place of residence, with whom You have arranged overnight accommodation for the majority of Your Covered Trip. A Host at Destination does not include any commercial facilities.
PCDEF-7AA
Inclement Weather: means any weather condition that delays the scheduled arrival or departure of a Common Carrier.
PCDEF-8AA
Injury: means bodily injury caused by an Accident: The injury must:
1) occur while Your coverage is in force;
2) result, directly and independently of all other causes; and
3) be certified by a local attending Physician.
TADEF-12AA
Insured: means the eligible person whose insurance is in force under terms of the Policy.
TADEFC-13AA
Key Person: means
1) an employed caregiver of Your legal dependent; or
2) a person to whom You are not married and with whom You have cohabited for 12 continuous months.
TADEF-14AA
Maximum Benefit Amount: means the maximum amount payable for each coverage as shown in Your Confirmation of Coverage.
TADEF-15AA
Maximum Waiver Amount: means the maximum limit of benefits for Trip Cancellation and Emergency Medical Expenses, as stated on Your Confirmation of Coverage, where the Pre-existing Exclusion is not applied.
TADEF-16AA
Medical Treatment: means treatment, advice or consultation by a Physician or care provided under a Physician’s supervision or direction.
TADEF-17AA
Medically Necessary: means an Emergency treatment, service or supply that is:
1) recommended by the local attending Physician;
2) performed under the Physician’s care, or supervision; and
3) determined by Us to be:
a) consistent with generally accepted medical practice for the Injury or Sickness;
b) could not have been omitted without adversely affecting Your condition or quality of medical care;
c) is delivered at the most appropriate level of care, and not primarily for the sake of convenience; and
d) is not considered experimental unless coverage for experimental service or supply is required by law.
TADEF-18AA
Natural Disaster: means a disaster resulting from natural causes including flood, hurricane, tornado, earthquake, volcanic eruption or blizzard.
PCDEF-9AA
Organized Labor Strike: means any stoppage of work:
1) as a result of the combined effect of workers which was unannounced and unpublished at the time coverage under the Policy was purchased;
and
2) that interferes with the normal departure and arrival of a Common Carrier.
It does not include a general strike whereby all or most of the workers of a country, province, state, city or town cease work.
PCDEFC-10AA
Physician: means a medical doctor or a Christian Science practitioner who is:
1) practicing within the scope of his or her license; and
2) recognized as a physician in the place where medical services are rendered. Physician does not include You, a Traveling Companion or a Family Member.
TADEF-20AA
Point of Origin: means Your original place of departure for Your Covered Trip. TADEF-21AA
Pre-existing Condition: means a condition occurring during the 60 day period immediately prior to Your Effective Date:
1) for which medical advice, care or treatment was received or recommended by a Physician regardless of whether or not a diagnosis was made and;
2) which produced symptoms or whose onset or manifestation occurred during such 60 day period. Such symptoms must have been significant enough to establish manifestation or onset which would have:
a) caused an ordinarily prudent person to seek diagnosis or treatment; or
b) enabled a Physician to diagnose such illness, disease, injury or other condition.
A Pre-existing Condition does not include any condition which is solely controlled through the taking of prescription medication and which has remained stable or controlled without any adjustment or change in the required prescription throughout the 60 day period immediately prior to Your Effective Date.
TADEF-22BA
Primary Residence: means Your principal domicile.
TADEF-23AA
Published Penalties: means any published cancellation penalties issued by Your travel agency or Travel Supplier that apply to all clients of the travel agency or Travel Supplier and can be documented at time of the Covered Trip sale. Published Penalties includes any penalties imposed by the travel agency or Travel Supplier of up to 10% of the Covered Trip Cost (excluding taxes and other non-commissionable items); or 10% of the amount You have paid towards the Trip, whichever is less.
PCDEF-11AA
Rental Vehicle: means any motor vehicle rented from a Commercial Rental Vehicle Agency as described in the rental agreement. A Rental Vehicle does not include trucks, vans, buses, motorcycles, mopeds, motorbikes, recreational all-terrain vehicles, campers, trailers, limousines, and vehicles 20 years of age or older, any vehicles specifically designed for off-road use and any exotic vehicles including, but not limited to Aston Martin, Bentley, Bricklin, Daimler, De Lorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati, Mercedes Benz, Porsche, Rolls Royce, or any other similar vehicle.
PCDEF-12AA
Scheduled Departure Date: means the date on which You are originally scheduled to leave Your Point of Origin.
TADEF-24AA
Scheduled Return Date: means the date You are originally scheduled to return to the Point of Origin as shown in Your Confirmation of Coverage.
TADEF-25AA
Sickness: means an illness or disease which is diagnosed or treated by a Physician after Your Effective Date and while You are covered under the Policy.
TADEFC-26AA
Terrorist Incident: means the unsanctioned and illegal use of violence (excluding general civil disturbance, rioting, an act of war whether declared or undeclared or the intentional release of a biological material), which caused destruction of property, Injury, or death by an individual or group for the express or implied purpose of achieving a political, ethnic, or religious goal or result.
PCDEF-13BB
Transportation Expense: means
1) the cost of the conveyance of You and any medical
personnel (if Medically Necessary); and
2) Medically Necessary services and supplies
provided during Your conveyance.
TADEF-27AA
Travel Arrangements: means:
1) transportation;
2) travel accommodations; and
3) other specified services arranged by the Travel Supplier for the Covered Trip.
TADEF-29AA
Traveling Companion: means a person with whom You
1) have coordinated Travel Arrangements; and
2) intend to travel with during Your Covered Trip (up to a maximum of 4 persons including You).
Note: a group or tour leader is not considered a Traveling Companion unless You are sharing room accommodations with the group or tour leader.
TADEF-30CC
Travel Supplier: means any entity or organization that coordinates or supplies travel services for You.
TADEF-31AA
Trip Cost: means all prepaid Covered Trip costs that are subject to cancellation penalties or restrictions including the cost of any subsequent arrangements added to Your Covered Trip.
TADEF-32AA
Usual and Customary Charges: means the amount charged for similar or comparable treatment, services and supplies in the geographic area where treatment is performed.
TADEF-33AA
We, Our and Us: mean Old Republic Insurance Company.
TADEF-34AA
You, Your and Yours: mean the Insured to whom this certificate is issued.
TADEFC-35AA
Exclusions
In addition to any other Exclusions listed in the Policy, no coverage is provided for any lost, stolen, damaged or delayed Baggage and Personal Effects for which You have been reimbursed:
1) by the Common Carrier, hotel or Travel Supplier, including any services rendered by such Common Carrier, hotel or Travel Supplier; or
2) as specified under any other insurance coverage You may have for the loss of or damage to property.
No coverage is provided under this benefit for any loss or damage to:
1) any animals;
2) automobile and automobile equipment, aircraft, bicycles, except when checked as baggage with a Common Carrier, boats or other vehicles or conveyances, trailers, motors;
3) the following personal items:
a) sunglasses (prescription or non-prescription), contact lenses;
b) artificial teeth, dental bridges, hearing aids, prosthetic limbs, or prescribed medications;
c) keys, money, credit cards, tickets and documents (except as coverage is otherwise specifically provided herein), stamps, securities;
d) sporting equipment if the loss results from the use thereof;
e) travel tickets for the Covered Trip, except for administrative fees required to reissue such tickets;
4) household effects and furnishings, antiques and collector’s items;
5) perishable or consumable items, including any tobacco products;
6) property used in trade, business or for the production of income;
7) computer software, including any expenses incurred for the restoration of any lost or corrupted data;
8) property shipped as freight or property shipped prior to Your Departure Date; or
9) any Baggage and Personal Effects determined to be contraband by Customs officials or other authorities.
In addition, no coverage is provided under this provision for loss caused by or resulting from:
1) theft from an unattended vehicle;
2) defective materials or craftsmanship; normal wear and tear, gradual deterioration, inherent vice;
3) electrical current, including electric arcing, that damages or destroys electrical devices or appliances;
4) the mysterious disappearance of Your Baggage and Personal Effects;
5) the confiscation, detention, requisition or destruction of Your Baggage and Personal Effects by Customs or other authorities.
BGDLC-1AA
Rental Vehicle Damage Protection
In addition to any other Exclusions listed in the Policy, no coverage is provided under this provision if:
1) the Commercial Rental Vehicle Agency waives or assumes responsibility for expenses incurred as a result of any physical loss or damage to the Rental Vehicle for which You may be liable;
2) any amounts are paid or payable under any other insurance coverage You might have.
No coverage is provided under this provision for physical loss of or damage to the Rental Vehicle caused by or resulting from:
1) driving the Rental Vehicle while You are:
a) using any medication which recommends abstinence from driving;
b) receiving compensation or hire;
c) participating in an illegal activity, or transporting contraband; or
d) in violation of the terms and conditions of the rental agreement;
2) mechanical failure or breakdown of the Rental Vehicle; wear and tear, gradual deterioration, corrosion, rust or freezing;
3) any neglect or abuse of the Rental Vehicle either by the Commercial Rental Vehicle Agency or You;
4) any conversion or modification to the Rental Vehicle by or at Your direction; or
5) contamination of the Rental Vehicle by radioactive material.
RVDMC-1AA