Hurricane & Weather

Coverage Description
This information relates to Trip Cancellation and Trip Interruption only. Most policies will include travel delay coverage due to a mandatory evacuation. Cancellation coverage is provided in the event of a complete cessation of either a common carrier (ticketed public transport) or travel supplier (hotel, condo manager etc.) or your accommodation at destination being rendered uninhabitable by weather. Check individual policies to determine which of the above scenarios is covered as this denotes whether mandatory evacuation coverage is included or not. Complete cessation of common carrier usually means the airport has to be closed for a certain number of hours in order for a claim to be valid. If your accommodation is under a mandatory evacuation order and the airport stays open you cannot make a claim. Complete cessation of travel supplier usually means the hotel, condo or other accommodation has to be unavailable for a certain number of hours in order to claim. In this instance, you would be able to claim for a mandatory evacuation because your travel suppler can no longer provide you with accommodation. This coverage is only available if the accommodation is provided by a company licensed to provide that service. Accommodation being rendered uninhabitable means your hotel, condo etc. either flooding or damaged so much you cannot continue to stay there. View coverage summary for Hurricane & Weather for the policies below
Travel Insurance - Coverage for all types of travel. Includes cancellation
#	Company / Plan Name	Benefit
1	HTH TripProtector	Accommodation at destination made uninhabitable Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	We will pay for reasonable accommodation and traveling expenses until travel becomes possible up to $150 per day to a maximum of $1,200 if your Trip is delayed for more than 12 hours. Trip Delay must be caused by: Common Carrier delay; or lost or stolen passports, travel documents, or money; or quarantine; or natural disaster; or Injury or Sickness of you, a Family Member traveling with you, or a Traveling Companion; or Covered Death of a Family Member traveling with you or a Traveling Companion; or a documented traffic accident while you are en route to departure; or unannounced strike.
2	HTH TripProtector Preferred	Accommodation at destination made uninhabitable Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	If your Covered Trip is delayed for 12 hours or more, we will reimburse you, up to the amount shown in the Schedule for reasonable additional expenses incurred by you for hotel accommodations, meals, telephone calls and local transportation while you are delayed. We will not pay benefits for expenses incurred after travel becomes possible. Travel Delay must be caused by or result from: Common Carrier delay; or loss or theft of your passport(s), travel documents or money; or quarantine; or hijacking; or natural disaster; or closure of public roadways by government authorities due to adverse weather; or a documented traffic accident while you are en route to departure; or unannounced strike; or a civil disorder; or you, a Family Member traveling with you, or a Traveling Companion's Injury or Sickness; or a Family Member traveling with you or a Traveling Companion's death.
3	MH Ross Trip Insurance Basic	Complete cessation of common carrier services for 24 hours Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	As used in this provision, unforeseen events are as follows: An Organized Labor Strike that causes complete cessation of travel services delaying the departure of Your Covered Trip for at least 24 consecutive hours. Inclement Weather which causes Your Common Carrier to delay the departure of Your Covered Trip for at least 24 hours.
4	TravelSafe TravelSafe Premier	Hurricane warning issued within 24 hours of departure after 15 day wait Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	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. 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. .
5	Global Alert Admin Global Alert Preferred	Complete cessation of common carrier services for 8 hours Hurricane warning issued within 24 hours of departure after 15 day wait Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	1) Air Carrier delays resulting from inclement weather; 2) Arrangements canceled by an airline, cruiseline, or tour operator, resulting from inclement weather; 3) Cancellation of your Trip if you lose 50% or more of the scheduled Trip duration due to the reasons covered under the Travel Delay Benefit Items 1 & 2 are for post-departure coverage 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.
6	Global Alert Admin Global Alert Preferred Plus	Complete cessation of common carrier services for 8 hours Hurricane warning issued within 24 hours of departure after 15 day wait Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	1) Air Carrier delays resulting from inclement weather; 2) Arrangements canceled by an airline, cruiseline, or tour operator, resulting from inclement weather; 3) Cancellation of your Trip if you lose 50% or more of the scheduled Trip duration due to the reasons covered under the Travel Delay Benefit Items 1 & 2 are for post-departure coverage 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.
7	Global Alert Admin Global Alert Essentials	Complete cessation of common carrier services for 8 hours Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	1) Air Carrier delays resulting from inclement weather; 2) Arrangements canceled by an airline, cruiseline, or tour operator, resulting from inclement weather; 3) Cancellation of your Trip if you lose 50% or more of the scheduled Trip duration due to the reasons covered under the Travel Delay Benefit Items 1 & 2 are for post-departure coverage
8	Travel Guard Cruise Tour & Travel	Covered for inclement weather Mandatory evacuation not covered Policy MUST be purchased before storm is named
	Full Policy Wording	Weather which causes complete cessation of services and prevents You from reaching Your destination. “Inclement Weather” means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier.
9	Travel Guard Essential	Covered for inclement weather Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	Weather which causes complete cessation of services and prevents You from reaching Your destination. “Inclement Weather” means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier.
10	iTravelInsured Student Travel	Complete cessation of travel supplier services for 24 hours Mandatory evacuation covered
	Full Policy Wording	Subject to the limitations stated below, We will pay for non-refundable, unused payments and deposits, not to exceed the lesser of the total trip protection purchased, or the maximum benefit shown on the Schedule of Benefits, if Your Covered Trip is cancelled as a result of any one of the following events which occurs after Your coverage is in effect and before such coverage terminates: 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.
11	MH Ross Trip Insurance Extra	Complete cessation of common carrier services for 24 hours Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	As used in this provision, unforeseen events are as follows: An Organized Labor Strike that causes complete cessation of travel services delaying the departure of Your Covered Trip for at least 24 consecutive hours. Inclement Weather which causes Your Common Carrier to delay the departure of Your Covered Trip for at least 24 hours.
12	TravelSafe TravelSafe Elements for Individuals	Hurricane warning issued within 24 hours of departure after 15 day wait Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	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. 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.
13	Travel Insured Trip Protector Lite	Complete cessation of common carrier services for 24 hours Mandatory evacuation conditionally covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	The Insurer will pay a benefit, up to the maximum shown on the Schedule of Coverage and Services, if You are prevented from taking Your covered Trip due to the following Unforeseen events:: Weather which causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours; Natural Disaster at the site of Your destination which renders Your destination accommodations uninhabitable. Mandatory evacuation ordered by local authorities at Your destination due to hurricane or other Natural Disaster. You must have 50% or less of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.
14	Travel Insured Trip Protector Lite Expanded	Complete cessation of common carrier services for 24 hours Mandatory evacuation conditionally covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	The Insurer will pay a benefit, up to the maximum shown on the Schedule of Coverage and Services, if You are prevented from taking Your covered Trip due to the following Unforeseen events:: Weather which causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours; Natural Disaster at the site of Your destination which renders Your destination accommodations uninhabitable. Mandatory evacuation ordered by local authorities at Your destination due to hurricane or other Natural Disaster. You must have 50% or less of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.
15	Travel Insured WTP - Comprehensive Plan	Complete cessation of common carrier services for 24 hours Mandatory evacuation conditionally covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	The Insurer will pay a benefit, up to the maximum shown on the Schedule of Coverage and Services, if You are prevented from taking Your covered Trip due to the following Unforeseen events:: Weather which causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours; Natural Disaster at the site of Your destination which renders Your destination accommodations uninhabitable. Mandatory evacuation ordered by local authorities at Your destination due to hurricane or other Natural Disaster. You must have 50% or less of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.
16	Travel Insured WTP Gold - Comprehensive Plan	Complete cessation of common carrier services for 24 hours Mandatory evacuation conditionally covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	The Insurer will pay a benefit, up to the maximum shown on the Schedule of Coverage and Services, if You are prevented from taking Your covered Trip due to the following Unforeseen events:: Weather which causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours; Natural Disaster at the site of Your destination which renders Your destination accommodations uninhabitable. Mandatory evacuation ordered by local authorities at Your destination due to hurricane or other Natural Disaster. You must have 50% or less of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.
17	MH Ross Trip Insurance Enhanced	Complete cessation of common carrier services for 24 hours Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	As used in this provision, unforeseen events are as follows: An Organized Labor Strike that causes complete cessation of travel services delaying the departure of Your Covered Trip for at least 24 consecutive hours. Inclement Weather which causes Your Common Carrier to delay the departure of Your Covered Trip for at least 24 hours.
18	Travelex Travel Plus	Complete cessation of common carrier services for 24 hours Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	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: Unforeseen Inclement Weather which causes complete cessation of services of Your Common Carrier for at least 24 hours Residence of You or Your Traveling Companion, including Your Covered Trip destination accommodations, is rendered uninhabitable for unforeseen circumstances;
19	Travelex TraveLite	Complete cessation of common carrier services for 24 hours Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	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: Unforeseen Inclement Weather which causes complete cessation of services of Your Common Carrier for at least 24 hours Residence of You or Your Traveling Companion, including Your Covered Trip destination accommodations, is rendered uninhabitable for unforeseen circumstances;
20	Travel Insurance Services Travel Insurance Select Basic	Covered for inclement weather Accommodation at destination made uninhabitable Policy must be purchased BEFORE storm is named
	Full Policy Wording	The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits, if a Trip is canceled or interrupted for the Insured due to any of the following unforeseen circumstances: Inclement Weather causing delay or cancellation of travel; the Insured’s or a Traveling Companion’s principal residence or Destination being made uninhabitable by fire, flood, or similar Natural Disaster, vandalism, or burglary;
21	Travel Insurance Services Travel Insurance Select Elite	Covered for inclement weather Accommodation at destination made uninhabitable Policy must be purchased BEFORE storm is named
	Full Policy Wording	The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits, if a Trip is canceled or interrupted for the Insured due to any of the following unforeseen circumstances: Inclement Weather causing delay or cancellation of travel; the Insured’s or a Traveling Companion’s principal residence or Destination being made uninhabitable by fire, flood, or similar Natural Disaster, vandalism, or burglary;
22	Travel Insurance Services Travel Insurance Select Plus	Covered for inclement weather Accommodation at destination made uninhabitable Policy must be purchased BEFORE storm is named
	Full Policy Wording	The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits, if a Trip is canceled or interrupted for the Insured due to any of the following unforeseen circumstances: Inclement Weather causing delay or cancellation of travel; the Insured’s or a Traveling Companion’s principal residence or Destination being made uninhabitable by fire, flood, or similar Natural Disaster, vandalism, or burglary;
23	CSA WebDirect	Accommodation at destination made uninhabitable Mandatory evacuation conditionally covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	Mandatory evacuation or public official evacuation advisements where there is no mandatory evacuation issued by local government authorities at your destination due to adverse weather or natural disaster. In order to cancel or interrupt your Covered Trip, you must have 4 days or 50% of your total Covered Trip length or less remaining on your Covered Trip at the time the mandatory evacuation ends;
24	CSA WebDirect Luxe	Accommodation at destination made uninhabitable Mandatory evacuation conditionally covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	Benefits will be paid up to the Maximum Benefit Amount purchased to cover an Insured for the Published Penalties and unused non-refundable prepaid expenses for Travel Arrangements when an Insured is prevented from taking his or her Covered Trip due to: Inclement Weather that causes complete cessation of the Insured’s Common Carrier for at least 24 consecutive hours; mandatory evacuation or public official evacuation advisements where there is no mandatory evacuation issued by local government authorities at your destination due to adverse weather or natural disaster. In order to cancel or interrupt your Covered Trip, you must have 4 days or 50% of your total Covered Trip length or less remaining on your Covered Trip at the time the mandatory evacuation ends;
25	USA-ASSIST GlobalTrip Saver	Complete cessation of common carrier for 48 hours
	Full Policy Wording	Weather that causes complete cessation of services of your common carrier for at least 48 consecutive hours.
26	USA-ASSIST GlobalTrip Plus	Complete cessation of common carrier for 48 hours
	Full Policy Wording	Weather that causes complete cessation of services of your common carrier for at least 48 consecutive hours.
27	USA-ASSIST GlobalTrip High Medical	Complete cessation of common carrier for 48 hours
	Full Policy Wording	Weather that causes complete cessation of services of your common carrier for at least 48 consecutive hours.
28	USA-ASSIST GlobalTrip Super	Complete cessation of common carrier for 48 hours
	Full Policy Wording	Weather that causes complete cessation of services of your common carrier for at least 48 consecutive hours.
29	Travel Guard Adventure Travel Protection	Covered for inclement weather Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	The Insurer will reimburse the Insured, as described below, if a Trip is canceled or interrupted for the Insured due to any of the following Unforeseen circumstances: Inclement Weather causing delay or cancellation of travel; the Insured’s principal residence or Destination being made Uninhabitable by fire, flood, or similar Natural Disaster, vandalism, or burglary; “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.
30	Travelex Travel Basic	Complete cessation of common carrier services for 24 hours Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	Weather that causes complete cessation of services of Your Common Carrier for at least twenty-four (24) consecutive hours.
31	Travelex Travel Select	Complete cessation of common carrier services for 24 hours Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	Weather that causes complete cessation of services of Your Common Carrier for at least twenty-four (24) consecutive hours.
32	Travelex Travel Max	Complete cessation of common carrier services for 24 hours Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	Weather that causes complete cessation of services of Your Common Carrier for at least twenty-four (24) consecutive hours
33	iTravelInsured Picture Perfect Vacation	Complete cessation of travel supplier services for 24 hours Mandatory evacuation covered
	Full Policy Wording	Subject to the limitations stated below, We will pay for non-refundable, unused payments and deposits, not to exceed the lesser of the total trip protection purchased, or the maximum benefit shown on the Schedule of Benefits, if Your Covered Trip is cancelled as a result of any one of the following events which occurs after Your coverage is in effect and before such coverage terminates: 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.
34	iTravelInsured Lite Protection Plan	Complete cessation of travel supplier services for 24 hours Mandatory evacuation covered
	Full Policy Wording	Subject to the limitations stated below, We will pay for non-refundable, unused payments and deposits, not to exceed the lesser of the total trip protection purchased, or the maximum benefit shown on the Schedule of Benefits, if Your Covered Trip is cancelled as a result of any one of the following events which occurs after Your coverage is in effect and before such coverage terminates: 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.
35	iTravelInsured Elite Vacation	Complete cessation of travel supplier services for 24 hours Mandatory evacuation covered
	Full Policy Wording	Organized Labor Strike, natural disasters or bad weather resulting in the complete cessation of services by a Travel Supplier for 1 at least 24 consecutive hours.
36	Travel Guard Essential Expanded	Covered for inclement weather Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	Weather which causes complete cessation of services and prevents You from reaching Your destination. “Inclement Weather” means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier.
37	Travel Guard Protect Assist	Covered for inclement weather Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	Weather which causes complete cessation of services and prevents You from reaching Your destination. “Inclement Weather” means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier.
38	TravelSafe TravelSafe Vacation Insurance	Hurricane warning issued within 24 hours of departure after 15 day wait Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	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. 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.
39	IMG Patriot T.R.I.P.	Complete cessation of travel supplier services for 24 hours Mandatory evacuation covered
	Full Policy Wording	No coverage
40	IMG Patriot T.R.I.P. Elite	Complete cessation of travel supplier services for 24 hours Mandatory evacuation covered
	Full Policy Wording	Organized Labor Strike, natural disasters or bad weather resulting in the complete cessation of services by a Travel Supplier for 1 at least 24 consecutive hours.
41	IMG Patriot T.R.I.P. Student	No coverage
	Full Policy Wording	No coverage
42	Travel Guard Gold (Protect Assist)	Covered for inclement weather Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	Inclement Weather causing delay or cancellation of travel; “Inclement Weather” means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier or prevents the Insured from reaching his/her Destination when traveling by an Owned or Rented Vehicle.
43	Travel Guard Sportsman's Travel	Covered for inclement weather Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	The Insurer will reimburse the Insured, as described below, if a Trip is canceled or interrupted for the Insured due to any of the following Unforeseen circumstances: Inclement Weather causing delay or cancellation of travel; the Insured’s principal residence or Destination being made Uninhabitable by fire, flood, or similar Natural Disaster, vandalism, or burglary; “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. “Natural Disaster” means a flood, hurricane, tornado, earthquake, or blizzard that is due to natural causes.
44	Travel Guard Tee, Tour & Travel	Covered for inclement weather Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	The Insurer will reimburse the Insured, as described below, if a Trip is canceled or interrupted for the Insured due to any of the following Unforeseen circumstances: Inclement Weather causing delay or cancellation of travel; the Insured’s principal residence or Destination being made Uninhabitable by fire, flood, or similar Natural Disaster, vandalism, or burglary; “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. “Natural Disaster” means a flood, hurricane, tornado, earthquake, or blizzard that is due to natural causes.
45	Travel Guard Cruise Tour & Travel Platinum	Covered for inclement weather Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	Inclement Weather causing delay or cancellation of travel; “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..
46	Travel Guard Basic (Essential)	Complete cessation of common carrier services for 24 hours Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	Inclement Weather causing delay or complete cessation of services for at least 24 consecutive hours; “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..
47	Travel Guard Silver (Essential Expanded)	Complete cessation of common carrier services for 24 hours Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	Inclement Weather causing delay or complete cessation of services for at least 24 consecutive hours; “Inclement Weather” means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier or prevents the Insured from reaching his/her Destination when traveling by an Owned or Rented Vehicle.
48	Travel Guard Essential Basic	Complete cessation of common carrier services for 24 hours Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	Inclement Weather causing delay or complete cessation of services for at least 24 consecutive hours; “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..
49	Travel Guard Essential Expanded Silver	Complete cessation of common carrier services for 24 hours Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	Inclement Weather causing delay or complete cessation of services for at least 24 consecutive hours; “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.
50	Travel Guard Cruise Tour & Travel Platinum	Covered for inclement weather Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	Inclement Weather causing delay or cancellation of travel; “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..
51	Travel Guard Protect Assist Gold	Covered for inclement weather Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	Inclement Weather causing delay or cancellation of travel; “Inclement Weather” means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier.
52	Seven Corners RoundTrip	Complete cessation of common carrier services for 48 hours Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	You are eligible for benefits equal to the amount purchased for Published Penalties and 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: Weather which causes complete cessation of services of Your Common Carrier for at least 48 consecutive hours;
53	Seven Corners RoundTrip Choice	Complete cessation of common carrier services for 48 hours Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	You are eligible for benefits equal to the amount purchased for Published Penalties and 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: Weather which causes complete cessation of services of Your Common Carrier for at least 48 consecutive hours;
Travel Insurance - Limited or no cancellation.
#	Company / Plan Name	Benefit
1	Travelex Travel Annual - Flight AD&D Only	No coverage
	Full Policy Wording	No coverage
2	Travelex Flight Plus - Flight AD&D Only	No coverage
	Full Policy Wording	No coverage
3	Travelex Flight Plus - Package Plan	No coverage
	Full Policy Wording	No coverage
4	Travel Insured Airline Ticket Protector	Complete cessation of common carrier services for 24 hours Mandatory evacuation not covered Policy must be purchased BEFORE storm is named
	Full Policy Wording	Weather which causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours.
5	Travel Guard Pack' N Go	No coverage
	Full Policy Wording	No coverage
Annual Travel Insurance - Frequent travelers unlimited short trips.
#	Company / Plan Name	Benefit
1	Travelex Travel Annual - Package Plan	No coverage
	Full Policy Wording	No coverage
2	MEDEX TravMed Abroad Annual	No coverage
	Full Policy Wording	No coverage
3	iTravelInsured Annual Travel Medical Program	No coverage
	Full Policy Wording	No coverage
4	HTH TravelGap Multi-Trip Silver	No coverage
	Full Policy Wording	No coverage
5	HTH TravelGap Multi-Trip Gold	No coverage
	Full Policy Wording	No coverage
6	HTH TravelGap Multi-Trip Silver	No coverage
	Full Policy Wording	No coverage
7	HTH TravelGap Multi-Trip Gold	No coverage
	Full Policy Wording	No coverage
8	HTH TravelGap Multi-Trip Silver	No coverage
	Full Policy Wording	No coverage
9	HTH TravelGap Multi-Trip Gold	No coverage
	Full Policy Wording	No coverage
10	Travel Guard Travel Rite Annual	No coverage
	Full Policy Wording	No coverage
11	Travel Guard Business Travel Guard	No coverage
	Full Policy Wording	No coverage
Medical Evacuation Plans - Coverage for medical evacuation and repatriation only
#	Company / Plan Name	Benefit
1	MedjetAssist Annual Membership	No coverage
	Full Policy Wording	No coverage
2	MedjetAssist MedjetAssist Extended Stay	No coverage
	Full Policy Wording	No coverage
3	MedjetAssist MedjetAssist Short Term Plan	No coverage
	Full Policy Wording	No coverage
4	MEDEX Plus Scholastic Excluding US	No coverage
	Full Policy Wording	No coverage
5	MEDEX Safe Trip Per-trip	No coverage
	Full Policy Wording	No coverage
6	MEDEX Safe Trip Annual	No coverage
	Full Policy Wording	No coverage
7	MEDEX Safe Trip Annual Expatriate	No coverage
	Full Policy Wording	No coverage
8	MEDEX Plus Scholastic Including US	No coverage
	Full Policy Wording	No coverage
9	On Call International Multi Trip Plan	No coverage
	Full Policy Wording	No coverage
10	On Call International Extended Stay Plan	No coverage
	Full Policy Wording	No coverage
11	On Call International Short Term Plan	No coverage
	Full Policy Wording	No coverage
12	Travel Guard MedEvac Per Trip	No coverage
	Full Policy Wording	No coverage