What is Missed Connection travel insurance?

Missed Connection can reimburse the additional costs for a traveler to catch up to their trip if they miss their departure for a covered reason.

To be covered by the Missed Connection benefit, a traveler must experience a common carrier delay that lasts a specified amount of time, typically 3, 6, or 12 hours. The most common covered reasons under this benefit are inclement weather or a mechanical breakdown of a common carrier.

Certain policies with Missed Connection coverage only provide reimbursement if a traveler needs to catch up to a cruise or tour. These policies will specifically state “Cruise only” or “Cruise and tour only”.

Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Missed Connection coverage.

Looking for a policy with Missed Connection coverage?

Enter your trip information on our custom quote form. Once you receive your results, select the Missed Connection filter to find the best policy for your trip with the coverage that you need.

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Missed Connection by Provider

Last Updated: 03/13/2024
Aegis Aegis
Policy Name and Summary of Coverage
1

Go Ready Choice

$500 per person
Covered after 3 hour delay
Cruise and tour only

8. MISSED CONNECTIONS FOR AIR AND CRUISES ONLY BENEFIT

Subject to SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE, the Insured’s coverage under the Missed Connections For Air and Cruises Only Benefit will take effect on the Scheduled Date of Departure.

We will reimburse the Insured a Missed Connections For Air and Cruises Only Benefit, for reasonable additional lodging arrangements, meal expenses, and the unused portion of the Insured’s travel arrangements, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule, if he/she misses his/her air connection or Cruise departure as the result of a documented traffic accident while the Insured is en route to his/her departure, the cancellation of or the delay of three hours or more of all regularly scheduled departure times due to mechanical breakdown of the Common Carrier or due to Adverse Weather Conditions.

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Arch RoamRight Arch RoamRight
Policy Name and Summary of Coverage
2

Pro

$250 per person
Covered after 3 hour delay

MISSED CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination including Your return destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier;

b) documented weather condition preventing You from getting to the point of departure for Your Trip;

c) Quarantine, hijacking, Strike, Natural Disaster, Terrorist Incident or riot;

d) You are denied access by a customs, airline, cruise line, or TSA agent or employee due to positive results of a medical screening or suspicion that You may have a contagious disease while attempting to board. This must be substantiated by written documentation from the entity denying access detailing the reason for denied access.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1) Your Additional Transportation Cost to join the departed Trip; and

2) Your prepaid expenses for the unused land or water Travel Arrangements.

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3

Pro Plus

$750 per person
Covered after 3 hour delay

MISSED CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination including Your return destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier;

b) documented weather condition preventing You from getting to the point of departure for Your Trip;

c) Quarantine, hijacking, Strike, Natural Disaster, Terrorist Incident or riot;

d) You are denied access by a customs, airline, cruise line, or TSA agent or employee due to positive results of a medical screening or suspicion that You may have a contagious disease while attempting to board. This must be substantiated by written documentation from the entity denying access detailing the reason for denied access.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1) Your Additional Transportation Cost to join the departed Trip; and

2) Your prepaid expenses for the unused land or water Travel Arrangements.

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AXA Assistance USA AXA Assistance USA
Policy Name and Summary of Coverage
4

Silver

$500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and twelve (12) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;

b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;

c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

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5

Gold

$1,000 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and twelve (12) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;
b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;
c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

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6

Platinum

$1,500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and twelve (12) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;

b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;

c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due toInclement Weather.

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battleface battleface
Policy Name and Summary of Coverage
7

Discovery Plan

Optional coverage

MISSED CONNECTION

We will reimburse you, up to the maximum amount shown in the schedule of benefits if, while on a covered trip, you miss a trip departure resulting from delay of at least three (3) consecutive hours of your scheduled airline flights due to inclement weather or common carrier caused delay, for:

a. Additional transportation expenses incurred by you to join the departed trip;
b. Reasonable accommodation and meal expenses incurred, which were not paid or provided for by any other source, up to the per day amount shown in the schedule of benefits; and
c. Pre-paid, non-refundable trip payments for the unused portion of the trip.

The common carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

These benefits will not duplicate any other benefit payments payable under this policy or any coverage attached to this policy.

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Berkshire Hathaway Travel Protection Berkshire Hathaway Travel Protection
Policy Name and Summary of Coverage
8

ExactCare

$500 per person
Covered after 3 hour delay

MISSED CONNECTION

If, while on a Trip, You miss a Trip departure resulting from cancellation or delay of at least 3 consecutive hours of all Your regularly scheduled airline flights due to Inclement Weather or Common Carrier caused delay, the Company will reimburse You up to the Maximum Limit shown in the Schedule for:

a) additional transportation expenses incurred by the Insured to join the departed Trip; and

(b) pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

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9

ExactCare

$500 per person
Covered after 3 hour delay

MISSED CONNECTION

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured misses a Trip departure resulting from cancellation or delay, of at least the number of consecutive hours listed in the Schedule, of all the regularly scheduled airline flights due to Inclement Weather, Named Storm, or Common Carrier caused delay. The benefit will be limited to the:

(a) Additional transportation expenses incurred by the Insured to join the departed Trip; and
(b) Pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight.

This benefit does not apply if the Insured’s domestic travel arrangements allow less than 1 hour between connections, or the Insured’s international travel arrangements allow less than 2 hours between connections.

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10

LuxuryCare

$500 per person
Covered after 3 hour delay

MISSED CONNECTION

If, while on a Trip, You miss a Trip departure resulting from cancellation or delay of at least 3 consecutive hours of all Your regularly scheduled airline flights due to Inclement Weather or Common Carrier caused delay, the Company will reimburse You up to the Maximum Limit shown in the Schedule for:

a) additional transportation expenses incurred by the Insured to join the departed Trip; and

b) pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

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11

LuxuryCare

$500 per person
Covered after 3 hour delay

MISSED CONNECTION

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured misses a Trip departure resulting from cancellation or delay, of at least the number of consecutive hours listed in the Schedule, of all the regularly scheduled airline flights due to Inclement Weather, Named Storm, or Common Carrier caused delay. The benefit will be limited to the:

(a) Additional transportation expenses incurred by the Insured to join the departed Trip; and

(b) Pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight.This benefit does not apply if the Insured’s domestic travel arrangements allow less than 1 hour between connections, or the Insured’s international travel arrangements allow less than 2 hours between connections.

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Cat 70 Cat 70
Policy Name and Summary of Coverage
12

Travel Plan

$500 per person
Covered after 3 hour delay

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip;

b) reasonable accommodations and meal expenses; and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

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Generali Global Assistance Generali Global Assistance
Policy Name and Summary of Coverage
13

Standard

$500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION COVERAGE

We will pay for Covered Expenses up to the amount in the Schedule should you miss your cruise or tour departure as a result of the cancellation or delay of 3 hours or more of your regularly scheduled airline flight due to adverse weather. For this benefit, Covered Expenses means additional transportation expenses incurred to join the departed cruise or tour, reasonable additional Accommodation and meal expenses incurred en route to catch up to the cruise or tour, and non-refundable cruise or tour payments for the unused portion of your water or land arrangements. This coverage is available if no other coverage is provided by a Common Carrier or other party at no cost to you, and if no coverage is available elsewhere in the Policy.

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14

Preferred

$750 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION COVERAGE

We will pay for Covered Expenses up to the amount in the Schedule should you miss your cruise or tour departure as a result of the cancellation or delay of 3 hours or more of your regularly scheduled airline flight due to adverse weather. For this benefit, Covered Expenses means additional transportation expenses incurred to join the departed cruise or tour, reasonable additional Accommodation and meal expenses incurred en route to catch up to the cruise or tour, and non-refundable cruise or tour payments for the unused portion of your water or land arrangements. This coverage is available if no other coverage is provided by a Common Carrier or other party at no cost to you, and if no coverage is available elsewhere in the Policy.

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15

Premium

$1,000 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION COVERAGE

We will pay for Covered Expenses up to the amount in the Schedule should you miss your cruise or tour departure as a result of the cancellation or delay of 3 hours or more of your regularly scheduled airline flight due to adverse weather. For this benefit, Covered Expenses means additional transportation expenses incurred to join the departed cruise or tour, reasonable additional Accommodation and meal expenses incurred en route to catch up to the cruise or tour, and non-refundable cruise or tour payments for the unused portion of your water or land arrangements. This coverage is available if no other coverage is provided by a Common Carrier or other party at no cost to you, and if no coverage is available elsewhere in the Policy.

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HTH Travel Insurance HTH Travel Insurance
Policy Name and Summary of Coverage
16

TripProtector Preferred

$1,000 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and (6) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;

b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;

c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

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17

TripProtector Economy

$250 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and eight (8) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;

b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;

c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

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18

TripProtector Classic

$500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and six (6) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;
b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;
c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

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IMG IMG
Policy Name and Summary of Coverage
19

iTravelInsured Travel SE

$500 per person
Covered after 6 hour delay

MISSED TRIP CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for at least six (6) consecutive hours, due to:

1. any delay, cancellation or mechanical breakdown of regularly scheduled Common Carrier, must be documented by the Common Carrier;
2. Inclement Weather that is documented;
3. Quarantine, hijacking, Strike, Natural Disaster, terrorism or Civil Disorder or Riot;

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1. Additional Transportation Cost incurred by You to join the departed Trip.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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20

iTravelInsured Travel LX Basic

$500 per person
Covered after 3 hour delay

MISSED TRIP CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for at least three (3) consecutive hours, due to:

1. any delay, cancellation or mechanical breakdown of regularly scheduled Common Carrier, must be documented by the Common Carrier;
2. Inclement Weather that is documented;
3. Quarantine, hijacking, Strike, Natural Disaster, terrorism or Civil Disorder or Riot;

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1. Additional Transportation Cost incurred by You to join the departed Trip.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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John Hancock Insurance Agency, Inc. John Hancock Insurance Agency, Inc.
Policy Name and Summary of Coverage
21

Bronze

$200 per person
Covered after 3 hour delay

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip;

b) reasonable accommodations and meal expenses; and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

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22

Silver

$750 per person
Covered after 3 hour delay

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip;

b) reasonable accommodations and meal expenses; and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

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23

Gold

$1,000 per person
Covered after 3 hour delay

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip;

b) reasonable accommodations and meal expenses; and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

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Nationwide Mutual Insurance Company Nationwide Mutual Insurance Company
Policy Name and Summary of Coverage
24

Prime

$500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and six (6) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;

b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;

c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

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25

Cruise Universal

$500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and six (6) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;

b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;

c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

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26

Cruise Choice

$1,500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and six (6) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;
b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;
c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

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27

Cruise Luxury

$2,500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and six (6) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;
b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;
c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

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Seven Corners Seven Corners
Policy Name and Summary of Coverage
28

Trip Protection Choice

$1,500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED TOUR OR CRUISE CONNECTION – up to $250 per day to a maximum of $1,500

If You miss Your tour or cruise departure because Your arrival at Your Trip destination is delayed for at least 3 consecutive hours, due to:

1. any delay, cancellation or mechanical breakdown of regularly scheduled Common Carrier must be documented by the Common Carrier;

2. Inclement Weather that is documented;

3. Quarantine, hijacking, Strike, Natural Disaster, terrorism or Civil Disorder or Riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1. Reasonable Expenses; and

2. Additional Transportation Cost incurred by You to join the departed cruise or tour.

Coverage is secondary if reimbursable by any other source.

This benefit may not be combined with Trip Cancellation, Trip Interruption or Trip Delay benefits.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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29

Trip Protection Economy

$250 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

If You miss Your cruise or tour departure because Your arrival at Your Trip destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

a) Your Additional Transportation Cost to join Your Trip

b) reasonable accommodation and meal expenses up to $150 per day necessarily incurred by You for which You have proof of purchase and which were not paid for or provided by any other source.

Your delayed arrival must be due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

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30

Trip Protection Elite

$1,500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

If You miss Your cruise or tour departure because Your arrival at Your Trip destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

a) Your Additional Transportation Cost to join Your Trip

b) reasonable accommodation and meal expenses up to $150 per day necessarily incurred by You for which You have proof of purchase and which were not paid for or provided by any other source.

Your delayed arrival must be due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

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31

Trip Protection Basic

$500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED TOUR OR CRUISE CONNECTION

If You miss Your tour or cruise departure because Your arrival at Your Trip destination is delayed for at least 3 consecutive hours, due to:

1. any delay, cancellation or mechanical breakdown of regularly scheduled Common Carrier must be documented by the Common Carrier;
2. Inclement Weather that is documented;
3. Quarantine, hijacking, Strike, Natural Disaster, terrorism or Civil Disorder or Riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1. Reasonable Expenses; and
2. Additional Transportation Cost incurred by You to join the departed cruise or tour.

Coverage is secondary if reimbursable by any other source.

This benefit may not be combined with Trip Cancellation, Trip Interruption or Trip Delay benefits.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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Tin Leg Tin Leg
Policy Name and Summary of Coverage
32

Economy

$100 per person
Covered after 3 hour delay

MISSED CONNECTION

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured misses a Trip departure resulting from cancellation or delay, of at least the number of consecutive hours listed in the Schedule, of all the regularly scheduled airline flights due to Inclement Weather, a Named Storm, or Common Carrier caused delay. The benefit will be limited to the:

a) Additional transportation expenses incurred by the Insured to join the departed Trip; and
b) Pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight.

This benefit does not apply if the Insured’s domestic travel arrangements allow less than 1 hour between connections, or the Insured’s international travel arrangements allow less than 2 hours between connections.

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33

Luxury

$100 per person
Covered after 3 hour delay

MISSED CONNECTION

If, while on a Trip, You miss a Trip departure resulting from cancellation or delay of at least 3 consecutive hours of all Your regularly scheduled airline flights due to Inclement Weather or Common Carrier caused delay, the Company will reimburse You up to the Maximum Limit shown in the Schedule for:

a) additional transportation expenses incurred by the Insured to join the departed Trip; and

b) pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

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34

Luxury

$100 per person
Covered after 3 hour delay

MISSED CONNECTION

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured misses a Trip departure resulting from cancellation or delay, of at least the number of consecutive hours listed in the Schedule, of all the regularly scheduled airline flights due to Inclement Weather, Named Storm, or Common Carrier caused delay. The benefit will be limited to the:

a) Additional transportation expenses incurred by the Insured to join the departed Trip; and

b) Pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight.

This benefit does not apply if the Insured’s domestic travel arrangements allow less than 1 hour between connections, or the Insured’s international travel arrangements allow less than 2 hours between connections.

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35

Adventure

$500 per person
Covered after 3 hour delay

MISSED CONNECTION

If, while on a Trip, You miss a Trip departure resulting from cancellation or delay of at least 3 consecutive hours of all Your regularly scheduled airline flights due to Inclement Weather or Common Carrier caused delay, the Company will reimburse You up to the Maximum Limit shown in the Schedule for:

a) additional transportation expenses incurred by the Insured to join the departed Trip; and

b) pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

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36

Adventure

$500 per person
Covered after 3 hour delay

MISSED CONNECTION

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured misses a Trip departure resulting from cancellation or delay, of at least the number of consecutive hours listed in the Schedule, of all the regularly scheduled airline flights due to Inclement Weather, Named Storm, or Common Carrier caused delay. The benefit will be limited to the:

a) Additional transportation expenses incurred by the Insured to join the departed Trip; and
b) Pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight.

This benefit does not apply if the Insured’s domestic travel arrangements allow less than 1 hour between connections, or the Insured’s international travel arrangements allow less than 2 hours between connections.

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37

Gold

$500 per person
Covered after 3 hour delay

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip;

b) reasonable accommodations and meal expenses; and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

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38

Basic

$250 per person
Covered after 12 hour delay

MISSED CONNECTION

We will reimburse you, up to the maximum amount shown in the schedule of benefitsif, while on a covered trip, you miss a trip departure resulting from delay of at least twelve (12) consecutive hours of your scheduled airline flights due to inclement weather or common carrier caused delay, for:

a. Additional transportation expenses incurred by you to join the departed trip;
b. Reasonable accommodation and meal expenses incurred, which were not paid or provided for by any other source, up to the per day amount shown in the schedule of benefits; and
c. Pre-paid, non-refundable trip payments for the unused portion of the trip.

The common carriermust certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

These benefits will not duplicate any other benefit payments payable under this policy or any coverage attached to this policy.

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39

Platinum

$250 per person
Covered after 6 hour delay

MISSED CONNECTION

We will reimburse you, up to the maximum amount shown in the schedule of benefits if, while on a covered trip, you miss a trip departure resulting from delay of at least six (6) consecutive hours of your scheduled airline flights due to inclement weather or common carrier caused delay, for:

a. Additional transportation expenses incurred by you to join the departed trip;

b. Reasonable accommodation and meal expenses incurred, which were not paid or provided for by any other source, up to the per day amount shown in the schedule of benefits; and

c. Pre-paid, non-refundable trip payments for the unused portion of the trip.

The common carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

These benefits will not duplicate any other benefit payments payable under this policy or any coverage attached to this policy.

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Travel Insured International Travel Insured International
Policy Name and Summary of Coverage
40

Worldwide Trip Protector Plus

$500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

If You miss Your cruise or tour departure because Your arrival at Your Trip destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, for:

a) Your Additional Transportation Cost to join Your Trip; and

b) Your Prepaid expenses for the unused land or water Travel Arrangements ; and

c) reasonable accommodation, telephone and meal expenses up to $200 per day necessarily incurred by You for which You have proof of purchase and which were not paid for or provided by any other source.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

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41

Worldwide Trip Protector

$500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED TOUR OR CRUISE CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for at least 3 consecutive hours, due to:

1. any delay, cancellation or mechanical breakdown of regularly scheduled Common Carrier must be documented by the Common Carrier;
2. Inclement Weather that is documented;
3. Quarantine, hijacking, Strike, Natural Disaster, terrorism or Civil Disorder or Riot;

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1. Reasonable Additional Expenses; and
2. Additional Transportation Cost incurred by You to join the departed Trip; and
3. unused, forfeited, prepaid non-refundable Payments or Deposits paid for the land or water Travel Arrangements You purchased for Your Trip.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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42

Worldwide Trip Protector Edge

$300 policy limit
Covered after 12 hour delay
Cruise and tour only

MISSED TOUR OR CRUISE CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for at least 12 consecutive hours, due to:

1. any delay, cancellation or mechanical breakdown of regularly scheduled Common Carrier must be documented by the Common Carrier; 2. Inclement Weather that is documented; 3. Quarantine, hijacking, Strike, Natural Disaster, terrorism or Civil Disorder or Riot;

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1. Reasonable Additional Expenses; and 2. Additional Transportation Cost incurred by You to join the departed Trip; and 3. unused, forfeited, prepaid non-refundable Payments or Deposits paid for the land or water Travel Arrangements

You purchased for Your Trip.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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Travelex Insurance Services Travelex Insurance Services
Policy Name and Summary of Coverage
43

Travel Basic

$500 per person
Covered after 3 hour delay

If, while on a Trip, You miss a Trip departure resulting from cancellation or delay of at least 3 consecutive hours of all Your regularly scheduled airline flights due to Inclement Weather or Common Carrier caused delay, the Company will reimburse You up to the Maximum Limit shown in the Schedule for:

a) additional transportation expenses incurred by the Insured to join the departed Trip; and

b) pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

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44

Travel Basic

$500 per person
Covered after 3 hour delay

MISSED CONNECTION

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured misses a Trip departure resulting from cancellation or delay, of at least the number of consecutive hours listed in the Schedule, of all the regularly scheduled airline flights due to Inclement Weather, Named Storm, or Common Carrier caused delay. The benefit will be limited to the:

a) Additional transportation expenses incurred by the Insured to join the departed Trip; and

b) Pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight.This benefit does not apply if the Insured’s domestic travel arrangements allow less than 1 hour between connections, or the Insured’s international travel arrangements allow less than 2 hours between connections.

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45

Travel Select

$750 per person
Covered after 3 hour delay

MISSED CONNECTION

If, while on a Trip, You miss a Trip departure resulting from cancellation or delay of at least 3 consecutive hours of all Your regularly scheduled airline flights due to Inclement Weather or Common Carrier caused delay, the Company will reimburse You up to the Maximum Limit shown in the Schedule for:

a) additional transportation expenses incurred by the Insured to join the departed Trip; and

b) pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

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46

Travel Select

$750 per person
Covered after 3 hour delay

MISSED CONNECTION

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured misses a Trip departure resulting from cancellation or delay, of at least the number of consecutive hours listed in the Schedule, of all the regularly scheduled airline flights due to Inclement Weather, Named Storm, or Common Carrier caused delay. The benefit will be limited to the:

a) Additional transportation expenses incurred by the Insured to join the departed Trip; and

b) Pre-paid, non-refundable Trip payments for the Unused portion of the Trip. The Common Carrier must certify the delay of the regularly scheduled airline flight.

This benefit does not apply if the Insured’s domestic travel arrangements allow less than 1 hour between connections, or the Insured’s international travel arrangements allow less than 2 hours between connections.

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47

Flight Insure Plus

$50 per person
Covered after 3 hour delay

MISSED CONNECTION

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured misses a Trip departure resulting from cancellation or delay, of at least the number of consecutive hours listed in the Schedule, of all the regularly scheduled airline flights due to Inclement Weather, Named Storm, or Common Carrier caused delay. The benefit will be limited to the:

a) Additional transportation expenses incurred by the Insured to join the departed Trip; and

b) Pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight.

This benefit does not apply if the Insured’s domestic travel arrangements allow less than 1 hour between connections, or the Insured’s international travel arrangements allow less than 2 hours between connections.

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Trawick International Trawick International
Policy Name and Summary of Coverage
48

Safe Travels Single Trip

$500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and twelve (12) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;
b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;
c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

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49

Safe Travels First Class

$1,000 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and twelve (12) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:
a) additional transportation expenses needed for You to join Your departed Cruise or tour;
b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;
c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

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50

Safe Travels Explorer

$500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and twelve (12) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;
b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;
c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

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51

Safe Travels Journey

$750 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and six (6) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;
b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;
c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

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52

Safe Travels Voyager

$1,000 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and six (6) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;

b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;

c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

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53

Safe Travels Protect

$250 per person
Covered after 12 hour delay

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if, during a Covered Trip, You missed a connecting flight by the minimum number of hours stated on the Schedule of Benefits resulting from cancellation or delay of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) Additional transportation expenses needed for You to join the departed Covered Trip;
b) Reasonable accommodations and meal expenses; and
c) Non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

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54

Safe Travels Defend

$300 per person
Covered after 12 hour delay

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if, during a Covered Trip, You missed a connecting flight by the minimum number of hours stated on the Schedule of Benefits resulting from cancellation or delay of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a. Additional transportation expenses needed for You to join the departed Covered Trip;
b. Reasonable accommodations and meal expenses; and
c. Non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

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55

Safe Travels Armor

$500 per person
Covered after 12 hour delay
Cruise and tour only

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if, during a Covered Trip, You missed a connecting flight by the minimum number of hours stated on the Schedule of Benefits resulting from cancellation or delay of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) Additional transportation expenses needed for You to join the departed Covered Trip;

b) Reasonable accommodations and meal expenses; and

c) Non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

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USI Affinity Travel Insurance Services USI Affinity Travel Insurance Services
Policy Name and Summary of Coverage
56

Ruby

$750 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip,

b) reasonable accommodations and meal expenses, and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

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57

Diamond

$1,500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip,

b) reasonable accommodations and meal expenses, and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

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WorldTrips WorldTrips
Policy Name and Summary of Coverage
58

Atlas Journey Economy

$500 per person
Covered after 3 hour delay

Missed Connection

If You miss Your cruise, tour, flight or Trip departure because Your arrival at Your Trip departure point is delayed for three (3) hours due to one of the covered Missed Connection events listed below, We will reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits for:

1. Your Additional Transportation Cost to join the departed Trip; and

2. Your unused, Pre-paid nonrefundable Payments or Deposits for Your Travel Arrangements insured under this Policy.

For this benefit, a covered Missed Connection event shall mean:

a. any officially documented delay of Your Common Carrier;

b. severe weather preventing You from getting to the point of departure for Your Trip; or

c. Quarantine, hijacking, Strike, Natural Disaster, Terrorist Incident, Cyber Terrorism or Riot.

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59

Atlas Journey Preferred

$1,500 per person
Covered after 3 hour delay

Missed Connection

If You miss Your cruise, tour, flight or Trip departure because Your arrival at Your Trip departure point is delayed for three (3) hours due to one of the covered Missed Connection events listed below, We will reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits for:

1. Your Additional Transportation Cost to join the departed Trip; and

2. Your unused, Pre-paid nonrefundable Payments or Deposits for Your Travel Arrangements insured under this Policy.

For this benefit, a covered Missed Connection event shall mean:

a. any officially documented delay of Your Common Carrier;

b. severe weather preventing You from getting to the point of departure for Your Trip; or

c. Quarantine, hijacking, Strike, Natural Disaster, Terrorist Incident, Cyber Terrorism or Riot.

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60

Atlas Journey Premier

$2,000 per person
Covered after 3 hour delay

Missed Connection

If You miss Your cruise, tour, flight or Trip departure because Your arrival at Your Trip departure point is delayed for three (3) hours due to one of the covered Missed Connection events listed below, We will reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits for:

1. Your Additional Transportation Cost to join the departed Trip; and

2. Your unused, Pre-paid nonrefundable Payments or Deposits for Your Travel Arrangements insured under this Policy.

For this benefit, a covered Missed Connection event shall mean:

a. any officially documented delay of Your Common Carrier;
b. severe weather preventing You from getting to the point of departure for Your Trip; or
c. Quarantine, hijacking, Strike, Natural Disaster, Terrorist Incident, Cyber Terrorism or Riot

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