Cancel For Any Reason

No coverage, you must be prevented from traveling due to a covered reason. The following are among the covered reasons to cancel:

Trip Cancellation coverage provides benefits for losses you incur for “trips” cancelled up to the time and date of departure. Trip Interruption coverage provides benefits for losses you incur for “trips” that are interrupted after the time and date of departure. We will pay this benefit if your “trip” is cancelled or interrupted due to any of these events or if your “traveling companion’s” “trip” is cancelled or interrupted and your “traveling companion” has a valid claim on a OneBeacon travel insurance policy. Losses are payable only for those events which could not have been reasonably foreseen by you, are outside your control and substantially impair your ability to travel.

1. Unforeseeable “sickness” or “injury” (requiring examination or treatment by a “doctor” prior to the cancellation or interruption of your “trip”) or death of you or a “family member”. “Sickness” or “injury” must be so disabling, in the written opinion of a “doctor”, as to reasonably cause you to interrupt or cancel your “trip”. If you must cancel or interrupt your “trip” due to “injury” or “sickness” of a “family member,” it must be because their condition is life-threatening, or because the “family member” requires your care. Cancellations due to the death of a non-traveling “family member” are covered only if the death occurs within 60 days of your scheduled “trip departure date.”
2. Unforeseeable "financial default" or bankruptcy of any tour operator, hotel, resort, rental car company, other travel supplier or "common carrier" whose services or products constitute all or part of your "trip". "Financial default" occurring on or before the "policy effective date", or less than fourteen days after the "policy effective date", is not covered.
3. A “terrorist incident” in a foreign city to which you were scheduled to arrive within 30 days following the incident.
4. Adverse weather or natural disasters resulting in the complete cessation of travel services.
5. Your “home” being made uninhabitable by fire, flood, vandalism, burglary or natural disaster.
6. You being subpoenaed, required to serve on a jury, hijacked or quarantined.
7. A covered Travel Delay which results in the loss of more than 50% of your scheduled “trip” length.
8. Carrier caused delays due to adverse weather that affect public transportation.
9. Travel arrangements cancelled by a tour operator or “common carrier” due to adverse weather that affect public transportation.

What we will pay for Trip Cancellation (for covered losses):

1. Forfeited, published, nonrefundable payments incurred as a result of cancellation penalties imposed by tour operators and “common carriers,” or change fees incurred in place of full penalties (not including travel agency penalties). If your claim is covered due to the Pre-Existing Conditions Exclusion being waived, as explained in the section titled, “Pre-Existing Conditions Exclusions,” we will not pay any cancellation penalties you were subject to prior to the purchase of this coverage. If you fail to notify the appropriate travel supplier(s) of your cancellation within 72 hours of becoming aware of the need to cancel, we will pay only the cancellation penalties you were subject to at that time. If you are medically unable to notify the appropriate travel supplier within 72 hours, you must notify them as soon as medically possible;
2. The charge for a single supplement if your “co-insured’s” “trip” is cancelled but yours is not.

IF YOU ARE INTERRUPTED IN THE COURSE OF YOUR TRIP, YOU MUST CALL US PRIOR TO MAKING ANY ADDITIONAL ACCOMMODATION OR TRANSPORTATION ARRANGEMENTS. FAILURE TO DO SO MAY AFFECT YOUR COVERAGE.

In addition to the General Exclusions, coverage is not provided for losses caused by or as a result of:

1. Carrier-caused delays except as provided elsewhere in this policy;
2. Travel arrangements cancelled by a tour operator or "common carrier" except as provided elsewhere in this policy;
3. Changes in plans by you or a "family member" for reasons other than those specifically listed in this Policy;
4. Financial circumstances of you or a "family member";
5. Business, contractual or educational obligations of you or a "family member";
6. "Financial Default" of the entity from whom you purchased this insurance or of the travel agent through which you made travel arrangements, if the travel agent distributes this product for us;
7. Any government regulation or prohibition;
8. An event which occurs prior to the "policy effective date", whether known to you or not;
9. Failure of any tour operator, "common carrier", person or agency to provide the bargained-for travel arrangements other than "financial default".

Your Duties In The Event Of Loss:
You must provide us documentation of the cancellation, interruption or delay and proof of the expenses incurred. You must provide proof of payment for the “trip” such as cancelled checks or credit card statements, proof of refunds received, copies of applicable tour operator or “common carrier” cancellation policies, proof of age for all parties claiming benefits 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. You must provide us with all unused air, rail, cruise or other tickets.

No coverage, you must be prevented from traveling due to a covered reason. The following are among the covered reasons to cancel:

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. If You purchase RoundTrip within ten (10) days of Your initial Trip payment* and for the full non-refundable cost of Your Trip, You will be eligible for benefits up to a maximum limit of $20,000 or the benefit amount protected, whichever is less, due to the Bankruptcy or Default of an airline, cruise line, or tour operator (other than the travel agent or Travel supplier that solicited this Protection Plan and from whom You purchased Your Travel Arrangements) which stops service more than fourteen (14) days following Your Protection Plan Effective Date. Your scheduled Departure Date must be no more than fifteen (15) months beyond the Effective Date of Your Protection Plan. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. Coverage does not apply if the petition for Bankruptcy was filed prior to the Effective Date of Your Protection Plan. 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. The Bankruptcy or Default benefit is excess and secondary to all other forms of indemnity.
3. Strike that causes complete cessation of services of your common carrier for at least 48 consecutive hours.
4. Weather that causes complete cessation of services of your common carrier for at least 48 consecutive hours.
5. 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.
6. Terrorism in a country, which is part of your scheduled trip, that causes the United States Department of State to issue a travel warning that you should not travel within that country for a period of time, which covers your scheduled trip.
7. 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).
8. Primary residence of you or your traveling companion is rendered uninhabitable due to unforeseen circumstances.
9. Burglary of you or your traveling companion's primary residence within 10 days of departure or during your trip.
10. Felonious assault of you or your traveling companion within 10 days of departure or during your trip.
11. You or your traveling companion are called to emergency military duty for a national disaster other than war.
12. Traffic accident directly involving either you or your traveling companion, substantiated by a police report, while en route to a scheduled departure point.
13. If your travel supplier cancels your trip, you will receive up to $75 for the reissue fee charged by the airline for your tickets. You must cover the full cost of the trip.

* Effective Date is the date which begins at 12:01 a.m. following the: 1) postmark date of your enrollment form or 2) the date you fax or transmit your enrollment via the internet with the proper payment.

Cancellation Penalty Schedule
If Cancellation Penalty Percentage Amount Is: Up to 25% of Trip Cost
Percentage of Penalty Amount Payable is: 100% of Penalty Amount

If Cancellation Penalty Percentage Amount Is: 26% to 50% of Trip Cost
Percentage of Penalty Amount Payable is: 85% of Penalty Amount

If Cancellation Penalty Percentage Amount Is: Over 50% of Trip Cost
Percentage of Penalty Amount Payable is: 75% of Penalty Amount

If you cancel your Trip for any reason not otherwise covered by this policy, we will reimburse you for the percentage of the prepaid, forfeited, non-refundable Payments or Deposits you paid for your Trip as shown in the Cancellation Penalty Schedule, provided

1. your enrollment form and premium payment is received (or, if mailed, is post-marked) within 15 days of the date your initial deposit/payment for your Trip is received; and
   
2. you insure all prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 15 days of the payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through your travel agent) added to your Trip; and
   
3. you cancel your Trip two (2) days or more before your Scheduled Trip Departure Date.

No coverage, you must be prevented from traveling due to a covered reason. The following are among the covered reasons to cancel:

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.

• your enrollment form and your premium payment is received (or, if mailed, is postmarked) within 15 days of the date your initial deposit / payment for your Trip is received; and
• you insure all prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 15 days of the payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through your travel agent) added to your Trip; and
• you cancel your Trip 2 days or more before your Scheduled Trip Departure Date.

No coverage, you must be prevented from traveling due to a covered reason. The following are among the covered reasons to cancel:

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.

No coverage, you must be prevented from traveling due to a covered reason. The following are among the covered reasons to cancel:

We will pay a Pre-Departure Trip Cancellation Benefit, up to the amount in the Schedule, if, for a covered reason that occurs before departure on your Trip and while coverage is in effect, you are prevented from taking your Trip.

Covered reasons for Pre-Departure Trip Cancellation: Sickness; Injury; Mental, Nervous, or Psychological Disorders requiring inpatient hospitalization of three (3) days or more; death of you, an Immediate Family Member, Traveling Companion, or Business Partner; death or hospitalization of your Host, as defined; or Other Covered Events, as defined. The Sickness or Injury must: a) commence while your coverage is in effect under the policy; b) require the examination and treatment by a Physician at the time the Trip is canceled; and c) in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Trip.

Pre-Departure Trip Cancellation Benefits: If you cancel your Trip for a covered reason, we will reimburse you, up to the amount in the Schedule for the amount of prepaid, forfeited, non-refundable Payments or Deposits that you paid for your Trip, including up to $150.00 for the cost of airline-imposed fees to rebank frequent flyer miles for air flights to join your 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 Trip is canceled and your Trip is not canceled,

We will reimburse you up to $150.00 for the cost of an airline imposed change or reissue fee if your Trip is canceled by a travel supplier of land or water travel arrangements.

“Other Covered Events” means only the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy:

1. Air Carrier delays resulting from inclement weather, mechanical breakdown of the aircraft on which you are scheduled to travel or organized labor strikes that affect public transportation;
2. arrangements canceled by an airline, cruise line, or tour operator resulting from inclement weather, mechanical breakdown of the aircraft on which you are scheduled to travel, organized labor strikes that affect public transportation, or a government-mandated shut down of an airport or air traffic control system for reasons other than a Terrorist Act or an act of war;
   
   Items #1 and #2 above apply only to Post-Departure Trip Interruption Benefits.
   
3. arrangements canceled by an airline, cruise line or tour operator resulting from Financial Insolvency as defined.
   
   Item #3 above is subject to your premium being received within 15 days of the initial deposit/payment for your Trip.
   
4. a change in plans by you, an Immediate 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 the result of an epidemic or pandemic), required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, an Immediate 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, workplace or Trip destination is made uninhabitable by vandalism, burglary, fire, flood, volcano, earthquake, hurricane or other natural disaster;
   
   d) being called to the emergency service of government in the case of military, police or fire personnel to provide aid or relief in the event of a natural disaster;
   
   e) a documented theft of passports or visas;
   
   f) a transfer of employment of 250 miles or more;
   
   g) a Terrorist Act which occurs in your departure city or in a city which is a scheduled destination for your Trip provided: 1) The Terrorist Act occurs within 30 days of the Scheduled Departure Date for your Trip; and 2) Your premium is received within 15 days of the initial deposit/payment for your Trip;
   
   h) 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 items #1 and #2 above;
   
   i) your involuntary termination of employment or layoff which occurs more than 30 days after your effective date of coverage and was not under your control. You must have been continuously employed with the same employer for 2 years prior to the termination or layoff. This provision is not applicable to temporary employment, independent contractors or self-employed persons;
   
   j) 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.
   
   

Optional Cancel For Any Reason Benefit

If you cancel your Trip for any reason not otherwise covered by this policy, we will reimburse you for 75% of the prepaid, forfeited, non-refundable Payments or Deposits you paid for your Trip provided:

1. your enrollment form and premium payment is received (or, if mailed, is post-marked) within 15 days of the date your initial deposit/payment for your Trip is received; and
2. you insure all prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 15 days of the payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through your travel agent) added to your Trip; and
3. you cancel your Trip two (2) days or more before your Scheduled Trip Departure Date.

Important Purchase Reminder
If you insure an amount less than your total prepaid Trip costs that are subject to cancellation penalties or restrictions: 1) the maximum benefit for Pre-Departure Trip Cancellation and Post-Departure Trip Interruption will be limited to the amount of coverage you purchased; and 2) there will be no coverage available under the optional Cancel For Any Reason Benefit, if purchased.

“Cancel For Any Reason” Protection:
Not available for residents of Oregon, New York, or Washington State If You purchase the Cancel For Any Reason protection and You cancel Your Trip for any reason not otherwise covered by this plan, the Insurer will reimburse You for up to 75% of the prepaid, forfeited, non-refundable payments or deposits You paid for Your Trip provided You cancel Your Trip more than two (2) days prior to Your Scheduled Departure Date.

“Cancel For Any Reason” Protection:
Not available for residents of Oregon, New York, or Washington State
If You purchase the Cancel For Any Reason protection and You cancel Your Trip for any reason not otherwise covered by this plan, the Insurer will reimburse You for up to 75% of the prepaid, forfeited, non-refundable payments or deposits You paid for Your Trip provided You cancel Your Trip more than two (2) days prior to Your Scheduled Departure Date.

No coverage, you must be prevented from traveling due to a covered reason. The following are among the covered reasons to cancel:

TRIP CANCELLATION

You are covered for the amount purchased for Published Penalties and unused non-refundable prepaid expenses for Travel Arrangements, whenever You are prevented from taking a Covered Trip for any of the following reasons that occur after the Effective Date of Your Protection Plan:

• Any serious Injury or any unforeseen serious Sickness: 1) occurring to You, Your Business Partner or a Traveling Companion, which is so disabling as to cause a reasonable person to delay, cancel, or interrupt their trip; 2) occurring to Your Family Member or Traveling Companion's Family Member that is considered life threatening or requiring hospitalization; or 3) occurring to Your Family Member or Traveling Companion's Family Member requiring immediate care. The cause of cancellation must be as the result of medically imposed restrictions as certified by a Legally Qualified Physician at the time of loss preventing Your continued participation in the Covered Trip;
• Your death, the death of Your Family Member, Business Partner, Your Traveling Companion or a Family Member of Your Traveling Companion;
• Unforeseen Bankruptcy or financial Default of a Travel Supplier (other than the travel agency or organization from whom You purchased the Travel Arrangements) which stops service after Your Covered Trip departure or more than 14 days following Your Protection Plan Effective Date. This coverage applies only if it was purchased within 21 days from the date the initial deposit is paid on the Covered Trip;
• An Organized Labor Strike that causes complete cessation of travel services for at least 48 consecutive hours;
• Unforeseen Inclement Weather which causes complete cessation of services of Your Common Carrier for at least 24 hours;
• Employer termination or layoff, through no fault of yours, affecting You or a person(s) sharing the same room. Employment must have been with the same employer for at least three (3) consecutive years;
• A Terrorist Incident in Your city of departure or destination occurring after the policy Effective Date, if You are scheduled to arrive in that city within 30 days following the Terrorist Incident;
• You or Your Traveling Companion being hijacked, quarantined, called for jury duty, or called for a court ordered appearance as a witness (except law enforcement officers) in a legal action in which You or Your Traveling Companion is not a party;
• Residence of You or Your Traveling Companion, including Your Covered Trip destination accommodations, is rendered uninhabitable for unforeseen circumstances;
• Burglary of Your or Your Traveling Companion's residence within ten (10) days of departure or during Your Covered Trip;
• Felonious assault of You or Your Traveling Companion within ten (10) days of departure or during the Covered Trip;
• You or Your Traveling Companion being called to the emergency service of government in the case of military, reservists, police or fire personnel for a natural disaster other than war;
• A traffic accident directly involving either You or Your Traveling Companion, substantiated by a police report, while enroute to a scheduled departure point. If Your Travel Supplier cancels the Covered Trip, You are covered up to $150 for the reissue fee charged by the airline for Your tickets. You must have covered the entire cost of the Covered Trip including the airfare. You are also covered for the single supplement upgrade when Your Traveling Companion cancels or interrupts a Covered Trip for a covered reason and You do not.

Optional Benefit if Purchased

Cancellation for Any Reason Benefit: If the Insured is prevented from taking the Trip for any reason not otherwise covered by the Policy, the Insurer will reimburse the Insured for 75% of the prepaid, forfeited, non-refundable payments or deposits for the insured Trip arrangement(s) up to the Maximum Limit shown on the Schedule of Benefits, provided the following conditions are met: (a) the Insured purchases this Cancel for Any Reason benefit within 15 days of the date the Insured’s "initial Trip payment" or deposit is paid and the cost of any subsequent arrangement(s) added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s); and (b) this insurance coverage is purchased at that time for the full cost of all prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and (c) the Insured cancels the insured Trip not less than 2 days prior to the Contracted Departure Date.

Requirements in the Event of a Cancellation or Interruption: The Insured must contact the Worldwide Assistance Center at 1-866-346-1803 or 1-715-342-3541 (collect) for assistance as soon as reasonably possible after he/she knows the Trip is going to be canceled or interrupted. Failure to do so may affect coverage. 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.

Cancellation for Any Reason Benefit: If the Insured is prevented from taking the Trip for any reason not otherwise covered by the Policy, the Insurer will reimburse the Insured for 75% of the prepaid, forfeited, non-refundable payments or deposits for the insured Trip arrangement(s) up to the Maximum Limit shown on the Schedule of Benefits, provided the following conditions are met: (a) the Insured purchases the Elite Option within 21 days of the date the Insured’s initial Trip payment or deposit is paid and the cost of any subsequent arrangement(s) added to the same Trip are insured within 21 days of the date of payment or deposit for any subsequent Trip arrangement(s); and (b) this insurance coverage is purchased for the full cost of all prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and (c) the Insured cancels the insured Trip not less than 2 days prior to the Contracted Departure Date.

Requirements in the Event of a Cancellation or Interruption: The Insured must contact the Worldwide Assistance Center at 1-866-346-1803 or 1-715-342-3541 (collect) for assistance as soon as reasonably possible after he/she knows the Trip is going to be canceled or interrupted. Failure to do so may affect coverage. 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.

Optional Cancellation for Any Reason Benefit: If the Insured is prevented from taking the Trip for any reason not otherwise covered by the Policy, the Insurer will reimburse the Insured for 75% of the prepaid, forfeited, nonrefundable payments or deposits for the insured Trip arrangement(s) up to the Maximum Limit shown on the Schedule of Benefits, provided the following conditions are met:

• (a) the Insured purchases the Cancel for Any Reason benefit within 15 days of the date the Insured’s initial Trip payment or deposit is paid and the cost of any subsequent arrangement(s) added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s); and
• (b) this insurance coverage is purchased for the full cost of all prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and
• (c) the Insured cancels the insured Trip not less than 48 hours prior to the departure date.

Optional Cancellation for Any Reason Benefit: If the Insured is prevented from taking the Trip for any reason not otherwise covered by the Policy, the Insurer will reimburse the Insured for 50% of the prepaid, forfeited, non-refundable payments or deposits for the insured Trip arrangement(s) up to the Maximum Limit shown on the Schedule of Benefits, provided the following conditions are met:
(a) the Insured purchases the Cancel for Any Reason benefit within 15 days of the date the Insured’s initial Trip payment or deposit is paid and the cost of any subsequent arrangement(s) added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s); and
(b) this insurance coverage is purchased for the full cost of all prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and
(c) the Insured cancels the insured Trip not less than 48 hours prior to the departure date.

No coverage, you must be prevented from traveling due to a covered reason.

The Company will pay a benefit, up to the maximum shown on the Confirmation of Coverage, if You are prevented from taking 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 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 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 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 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 15 months beyond Your Effective Date.

(g) 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 48 consecutive hours.

(i) Weather that causes complete cessation of services of the Common Carrier for at least 48 consecutive hours.

(j) Bankruptcy and/or Default of Your Travel Supplier which occurs more than 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 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 years of continuous employment at the place of employment where terminated.

(l) Natural disaster at the site of Your destination that renders their destination accommodations uninhabitable.

The Company will reimburse You for the following:

a) non-refundable cancellation charges imposed by the Participating Organization and/or Travel Suppliers;
b) 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.

Coverage does not include default of a Participating Organization or other organization that results in loss of services.

SPECIAL CONDITIONS: You must advise the Participating Organization 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 Participating Organization as soon as reasonable possible.

SINGLE OCCUPANCY COVERAGE The Company will reimburse You, up to the maximum shown on the Confirmation of Coverage, 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.