Trip Interruption

We will pay a Post-Departure Trip Interruption Benefit, up to the amount in the Schedule, if: 1) Your arrival on your Covered Trip is delayed beyond the Scheduled Departure Date; or 2) You are unable to continue on your Covered Trip after you have departed on your Covered Trip due to your, Family Member's or Traveling Companion's, Sickness, Injury, or death. For item 1) above, the Sickness or Injury must: a) Commence while your coverage is in effect under the plan; b) For item 2) above, commence while you are on your Covered Trip and your coverage is in effect under the plan; and c) For both items 1) and 2) above, require the examination and treatment by a Physician, in person, at the time the Covered Trip is interrupted or delayed; and d) In the written opinion of the treating Physician, be so disabling as to delay your arrival on your Covered Trip or to prevent you from continuing your Covered Trip.

We will pay a benefit if: 1) Your arrival on your Covered Trip is delayed beyond the Scheduled Departure Date; or 2) You are unable to continue on your Covered Trip after you have departed on your Covered Trip due to Other Covered Events, as defined.

Post-Departure Trip Interruption Benefits
We will reimburse you, less any refund paid or payable, for unused land or water travel arrangements, plus one of the following:

1. To the next scheduled destination where you can catch up to your Covered Trip; or
2. To the final destination of your Covered Trip; or

2. The additional transportation expenses incurred by you by the most direct route to reach your original Covered Trip destination if you are delayed and leave after the Scheduled Departure Date. However, the benefit payable under (1) and (2) above will not exceed the cost of a one-way economy air fare (or first class, if the original tickets were first class) by the most direct route less any refunds paid or payable for your unused original tickets.

3. Your additional cost as a result of a change in the per-person occupancy rate for prepaid travel arrangements if a Traveling Companion's Covered Trip is interrupted and your Covered Trip is continued.

Whenever You are prevented from taking or completing a Covered Trip as a result of any of the unforeseen events listed below, We will reimburse You up to the Maximum Benefit Amount for Trip Cancellation or Trip Interruption, for the following expenses:

1. any unused non-refundable prepaid expenses for Travel Arrangements;
2. any Published Penalties You incur as a result of a trip cancellation;
3. one way Economy Transportation, less the value of any unused return travel ticket, to return to the Point of Origin or to continue on Your Covered Trip when an interruption in Your Covered Trip occurs; or
4. up to $150 for any reissue fee charged by the airline for Your airfare if Your Travel Supplier cancels Your Covered Trip or repositions the cruise ship or departure location. You must have covered the entire cost of the Covered Trip including the airfare.

Single Supplement Upgrade We will reimburse You for the single supplement upgrade cost when Your Traveling Companion cancels his or her travel plans with You, or interrupts Your Covered Trip as a result of one of the unforeseen events listed below, and You decide not to cancel or interrupt Your Covered Trip.

Unforeseen Events
As used in this provision, unforeseen events are as follows:

1. Any serious Injury or any serious Sickness occurring to:
   a) You, which results in medically imposed travel restrictions as certified by a Physician at the time of loss;
   b) Your Business Partner or a Traveling Companion, which is so disabling as to cause a reasonable person to delay, cancel, or interrupt her trip;
   c) Your or Your Traveling Companion’s Family Member that is considered life threatening or requiring hospitalization; or
   d) Your or Your Traveling Companion’s Family Member requiring Your or Your Traveling Companion’s immediate care.
   
2. Your death, the death of Your Family Member, Business Partner or Your Traveling Companion or Your Traveling Companion’s Family Member.
3. Bankruptcy or Default of a Travel Supplier, other than the travel agency or organization from whom You purchased the Travel Arrangements. Benefits are provided only for the expenses charged by the Travel Supplier whose Bankruptcy or Default results in loss covered by the Policy and which stops service:
   a) more than 15 days following Your Policy Effective Date for Trip Cancellation; or
   b) after Your Scheduled Departure Date for Trip Interruption provided You purchased this insurance within 15 days from the date You paid the initial deposit on Your Covered Trip.
   No coverage is provided for the total cessation or complete suspension of operations by a Travel Supplier caused by fraud or negligent misrepresentation by such Travel Supplier.
4. A Terrorist Incident in Your city of departure or Destination occurring after Your Effective Date, if You are scheduled to arrive in or depart from that city within 30 days following the Terrorist Incident.
5. Documented theft of Your or Your Traveling Companion’s passports and/or visas required for the Covered Trip.
6. A traffic accident directly involving You or Your Traveling Companion, as documented by a police report, while enroute to the Point of Origin.
7. Your or Your Traveling Companion’s place of business being made unsuitable for the transaction of business by fire, vandalism, burglary or Natural Disaster.
8. Death, hospitalization, or quarantine of Your Host at Destination.
9. You or Your Traveling Companion are hijacked, quarantined, called for jury duty, or called for a court ordered appearance as a witness (except law enforcement officers) in a legal action in which You or Your Traveling Companion are not a party.
10. You or Your Traveling Companion are transferred by the employer with whom You or Your Traveling Companion are employed as a full-time active employee at the time You enrolled for this insurance. Such transfer must result in You or Your Traveling Companion having to relocate 250 miles or more from Your or Your Traveling Companion’s original Primary Residence.
11. You or Your Traveling Companion being called to the emergency service of the government in response to a Natural Disaster.
12. Your arrival at Your Destination is delayed and causes You to lose 50% or more of the scheduled Covered Trip duration due to any the unforeseen events covered under Trip Delay.
13. Involuntary termination or layoff affecting You or Your Traveling Companion. Employment must have been on an active full-time basis and with the same employer for at least 3 continuous years immediately preceding the termination or layoff.
14. An Organized Labor Strike that causes complete cessation of travel services delaying the departure of Your Covered Trip for at least 24 consecutive hours.
15. Inclement Weather which causes Your Common Carrier to delay the departure of Your Covered Trip for at least 24 hours.
16. Your or Your Traveling Companion’s Primary Residence or Destination accommodations being made uninhabitable during Your Covered Trip by fire, vandalism, burglary or Natural Disaster.

1. the date Your Covered Trip was canceled or interrupted;
2. copies of Your travel invoices;
3. the original, unused travel tickets or vouchers;
4. Your Travel Supplier’s cancellation clause with regard to non-refundable costs, charges or expenses;
5. receipts or other proofs of payment;
6. detailed medical documentation if the trip cancellation or trip interruption was caused by or resulted from a serious Injury or serious Sickness; and
7. any other information We deem necessary to properly adjudicate Your claim.

We will pay a Post-Departure Trip Interruption Benefit, up to the amount in the Schedule, if for a covered reason: 1) your arrival on your Trip is delayed beyond the Scheduled Departure Date or 2) you are unable to continue on your Trip after you have departed on your Trip.

Covered reasons for Post-Departure Trip Interruption: Sickness, Injury, or death of you, an Immediate Family Member, Traveling Companion, or Business Partner; or for Other Covered Events, as defined. For item 1) above, the Sickness or Injury must: a) commence while your coverage is in effect under the policy; b) for item 2) above, commence while you are on your Trip and your coverage is in effect under the policy; and c) for both items 1) and 2) above, require the examination and treatment by a Physician at the time the Trip is interrupted or delayed; and d) in the written opinion of the treating Physician, be so disabling as to delay your arrival on your Trip or to prevent you from continuing your Trip.

Post-Departure Trip Interruption Benefits: If you interrupt your Trip for a covered reason, we will reimburse you, less any refund paid or payable, for prepaid, unused land or water travel arrangements, plus one of the following:

1. the additional transportation expenses by the most direct route from the point you interrupted your Trip: a) to the next scheduled destination where you can catch up to your Trip; or b) to the final destination of your Trip; or
2. the additional transportation expenses incurred by you by the most direct route to reach your original Trip destination if you are delayed and leave after the Scheduled Departure Date.
   
   However, the benefit payable under (1) and (2) above will not exceed the cost of a one-way economy air fare (or first class, if the original tickets were first class) by the most direct route less any refunds paid or payable for your unused original tickets.
   
   
3. your additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Trip is interrupted and your Trip is continued.

Trip Interruption coverage provides benefits for loss(es) You incur for Trips that are interrupted or delayed after the time and date of departure.

For all of the covered reasons outlined below, You must notify the appropriate travel supplier(s) of Your cancellation or interruption within 72 hours of the occurrence, unless the condition prevents it, then as soon as reasonably possible. Otherwise the right to compensation will lapse.

1. Any serious Injury or any unforeseen serious medical condition:
   a. Occurring to You or a Traveling Companion, which is so disabling as to cause a reasonable person to delay, cancel, or interrupt their Trip;
   b. Occurring to a Family Member that is considered life threatening or requiring hospitalization; or
   c. Occurring to a Family Member requiring Your care.
   For Trip Cancellation benefits, an actual examination by a licensed Physician must take place within 72 hours of the cancellation. For Trip Interruption benefits, this examination must take place during Your Trip. This Physician may not be a member of Your or Your Traveling Companion's immediate family or yourself, or an Immediate Family Member of the person whose condition caused the cancellation or interruption.
   
2. Your death, the death of a Family Member or a Traveling Companion if the death occurs prior to Your Scheduled Departure Date, or during Your Trip.
3. Financial Default of a tour operator, airline or cruise line provided that:
   a. On the Policy effective date, the tour operator, airline or cruise line was approved for the Financial Default coverage by the Company. For a current list of approved suppliers refer to www.elvia.us , or call 1-888-489-3227; and
   b. The insurance was purchased within 14 calendar days of the initial Trip deposit or payment.
   The Company will not cover losses resulting from a Financial Default of the person, organization, agency or tour operator, or their affiliate companies, that solicited this coverage, and/or Your insured travel arrangements to You. Financial Default occurring on or before the Policy effective date or less than 7 days after the Policy effective date is not covered. The Company reserves the right to substitute a Trip of similar value in lieu of cash payment.
4. Strikes, natural disasters, bad weather or FAA mandated shutdown resulting in the complete cessation of services by the airline, the tour operator or the cruise line for at least 24 consecutive hours. The Company will not cover losses resulting from strikes of the person, organization, agency, or tour operator, or their affiliate companies, that solicited this coverage and/or Your insured travel arrangements to You.
5. You or a Traveling Companion being hijacked or quarantined.
6. You being required to serve on a jury, served with a court order or subpoena.
7. Your Primary Residence or Your Trip destination being made uninhabitable by fire, flood, burglary, vandalism, or natural disasters.
8. You or a Traveling Companion being directly involved in a traffic Accident while directly en route to a departure.
9. A terrorist act committed by an organized terrorist group (recognized as such by the U.S. State Department) that results in property damage, Injury or loss of life. The incident must take place in a domestic or foreign city in which You are scheduled to arrive within 30 days following the incident and Your tour operator (if applicable) must not have offered a substitute itinerary. For foreign terrorism coverage only, coverage for travel to or through countries in which such a documented or reported incident has occurred during the 30 days prior to purchase of insurance is excluded. Losses resulting due to the issuance of travel advisories, bulletin oralerts; war or acts thereof; civil disorder, riot or unrest; bomb scares or threats of terrorist activity; or terrorist acts against any Common Carrier (e.g., airline or cruise line) are not covered.
10. You or a Traveling Companion, who are on Active Military Duty in the United States Armed Forces:
    a having Your personal leave revoked within 10 days prior to Your departure date (as long as such revocation is in writing by a superior officer and is not due to war-related situations, invocation of the War Powers Act, base or unit mobilization, unit reassignment for any reason, or disciplinary action); or
    b. are personally reassigned within 10 days prior to Your departure date, whether temporary or permanent.
    
11. You or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to Your departure date. A Felonious Assault may not be inflicted by You, a Family Member, Traveling Companion or Traveling Companion's Family Member.
12. You or a Traveling Companion, after having been with the same employer for at least one year, are terminated or laid off, through no fault of Your own, after Your effective date of coverage.
13. Your family or friends living abroad with whom You were planning to stay, are unable to accommodate You due to life threatening Illness, life threatening Injury or death of one of them
14. A covered Travel Delay that results in the loss of more than 50% of Your scheduled Trip length.
15. You or a Traveling Companion become legally separated or divorced after the purchase of insurance and prior to the departure date, provided that the insurance was purchased within 14 calendar days of the initial Trip deposit or payment.

We will pay a Post-Departure Trip Interruption Benefit, up to the amount in the Schedule, if for a covered reason: 1) your arrival on your Trip is delayed beyond the Scheduled Departure Date or 2) you are unable to continue on your Trip after you have departed on your Trip.

Covered reasons for Post-Departure Trip Interruption are:
your, an Immediate Family Member’s, Traveling Companion’s, or Business Partner’s Sickness; Injury; or death; or for Other Covered Events, as defined. For item 1) above, the Sickness or Injury must: a) commence while your coverage is in effect under the policy; b) for item 2) above, commence while you are on your Trip and your coverage is in effect under the policy; and c) for both items 1) and 2) above, require the examination and treatment by a Physician at the time the Trip is interrupted or delayed; and d) in the written opinion of the treating Physician, be so disabling as to delay your arrival on your Trip or to prevent you from continuing your Trip.

Post-Departure Trip Interruption Benefits: If you interrupt your Trip for a covered reason, we will reimburse you, less any refund paid or payable, for prepaid, unused land or water travel arrangements, plus one of the following:

1. the additional transportation expenses by the most direct route from the point you interrupted your Trip: a) to the next scheduled destination where you can catch up to your Trip; or b) to the final destination of your Trip; or
2. the additional transportation expenses incurred by you by the most direct route to reach your original Trip destination if you are delayed and leave after the Scheduled Departure Date.
   
   However, the benefit payable under (1) and (2) above will not exceed the cost of a one-way economy air fare (or first class, if the original tickets were first class) by the most direct route less any refunds paid or payable for your unused original tickets.
3. your additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Trip is interrupted and your Trip is continued.

We will pay a Post-Departure Trip Interruption Benefit, up to the amount in the Schedule, if for a covered reason: 1) your arrival on your Trip is delayed beyond the Scheduled Departure Date or 2) you are unable to continue on your Trip after you have departed on your Trip.

Covered reasons for Post-Departure Trip Interruption are:
your, an Immediate Family Member’s, Traveling Companion’s, or Business Partner’s Sickness; Injury; or death; or for Other Covered Events, as defined. For item 1) above, the Sickness or Injury must: a) commence while your coverage is in effect under the policy; b) for item 2) above, commence while you are on your Trip and your coverage is in effect under the policy; and c) for both items 1) and 2) above, require the examination and treatment by a Physician at the time the Trip is interrupted or delayed; and d) in the written opinion of the treating Physician, be so disabling as to delay your arrival on your Trip or to prevent you from continuing your Trip.

Post-Departure Trip Interruption Benefits: If you interrupt your Trip for a covered reason, we will reimburse you, less any refund paid or payable, for prepaid, unused land or water travel arrangements, plus one of the following:

1. the additional transportation expenses by the most direct route from the point you interrupted your Trip: a) to the next scheduled destination where you can catch up to your Trip; or b) to the final destination of your Trip; or
2. the additional transportation expenses incurred by you by the most direct route to reach your original Trip destination if you are delayed and leave after the Scheduled Departure Date.
   
   However, the benefit payable under (1) and (2) above will not exceed the cost of a one-way economy air fare (or first class, if the original tickets were first class) by the most direct route less any refunds paid or payable for your unused original tickets.
3. your additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Trip is interrupted and your Trip is continued.

Trip Cancellation/Trip Interruption:
The Insurer will pay a benefit, up to the maximum shown on the Schedule of Coverage and Services, if You cancel Your Trip or are unable to continue on Your Trip due to the following Unforeseen events:
a) Sickness, Accidental Injury, or death of You, Your Traveling Companion, Family Member, or Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
b) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, or having Your principal place of residence made uninhabitable by fire, flood, or other natural disaster.
c) If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within a 1-mile radius of the territorial city limits of the city to be visited by the program for which You have registered. This coverage applies only if this Plan was purchased within 15 calendar days of initial Trip payment.
d) Strike that causes complete cessation of services. A Strike is foreseeable on the date labor union members vote to approve a Strike.
e) Weather which causes complete cessation of services and prevents You from reaching Your destination.
f) Natural disaster at the site of Your destination which renders Your destination accommodations uninhabitable.
g) Bankruptcy and/or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. This coverage applies only if this Plan was purchased within 15 calendar days of initial Trip payment.
h) the Insured or Traveling Companion being called into active military service by having his/her leave revoked.

Trip Interruption: unused, non-refundable travel arrangements prepaid to the Travel Supplier.

Trip Interruption - Return Air Only: up to the maximum shown in the Schedule of Coverage and Services for airfare paid, less the value of applied credit from an unused return travel ticket to return the Insured to the return destination of the Trip as specified in the original travel documents.

In no event shall the amount reimbursed exceed the lesser of the amount You pre-paid for Your Trip, or the maximum benefit shown on the Schedule of Coverage and Services.

Trip Cancellation/Trip Interruption:
The Insurer will pay a benefit, up to the maximum shown on the Schedule of Coverages and Services, if You cancel Your Trip or are unable to continue on Your Trip due to the following Unforeseen events:
a) Sickness, Accidental Injury, or death of You, Your Traveling Companion, Family Member, or Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
b) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, or having Your principal place of residence made uninhabitable by fire, flood, or other natural disaster.
c) Strike that causes complete cessation of services. A Strike is foreseeable on the date labor union members vote to approve a Strike.
d) Weather which causes complete cessation of services and prevents You from reaching Your destination.
e) Natural disaster at the site of Your destination which renders Your destination accommodations uninhabitable.

Trip Interruption: unused, non-refundable travel arrangements prepaid to the Travel Supplier.

Trip Interruption - Return Air Only:
Up to the maximum shown in the Schedule of Coverages and Services for airfare paid, less the value of applied credit from an unused return travel ticket to return the Insured to the return destination of the Trip as specified in the original travel documents. In no event shall the amount reimbursed exceed the lesser of the amount You pre-paid for Your Trip, or the maximum benefit shown on the Schedule of Coverages and Services.

Trip Cancellation/Trip Interruption:
The Insurer will pay a benefit, up to the maximum shown on the Schedule of Coverage and Services, if You cancel Your Trip or are unable to continue on Your Trip due to the following Unforeseen events:
a) Sickness, Accidental Injury, or death of You, Your Traveling Companion, Family Member, or Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
b) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, or having Your principal place of residence made uninhabitable by fire, flood, or other natural disaster.
c) If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within a 1-mile radius of the territorial city limits of the city to be visited by the program for which You have registered. This coverage applies only if this Plan was purchased within 15 calendar days of initial Trip payment.
d) Strike that causes complete cessation of services. A Strike is foreseeable on the date labor union members vote to approve a Strike.
e) Weather which causes complete cessation of services and prevents You from reaching Your destination.
f) Natural disaster at the site of Your destination which renders Your destination accommodations uninhabitable.
g) Bankruptcy and/or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. This coverage applies only if this Plan was purchased within 15 calendar days of initial Trip payment.
h) the Insured or Traveling Companion being called into active military service by having his/her leave revoked.

Trip Interruption: unused, non-refundable travel arrangements prepaid to the Travel Supplier.

Trip Interruption - Return Air Only: up to the maximum shown in the Schedule of Coverage and Services for airfare paid, less the value of applied credit from an unused return travel ticket to return the Insured to the return destination of the Trip as specified in the original travel documents.

In no event shall the amount reimbursed exceed the lesser of the amount You pre-paid for Your Trip, or the maximum benefit shown on the Schedule of Coverage and Services.

Trip Interruption:

We will pay for non-refundable, unused payments and deposits, not to exceed the lesser of the amount of the total trip protection purchased, or the Maximum Benefit shown on the Certificate Schedule, if the Insured’s Covered Trip is cancelled or interrupted for any one of the following reasons which occurs after the Insured’s Effective Date:

1.Illness, Injury or Death to the Insured Person, an Insured’s Family Member, a Travel Companion or a Travel Companions Family Member. Injury or Illness must be so disabling as to reasonably cause a Covered Trip to be delayed, cancelled or interrupted upon the advice of a Physician.

2.Bankruptcy or Financial Default of a Travel Supplier (other than the Travel Supplier from whom the Insured purchased this coverage) which stops service more than 30 days following the Insured’s Effective Date. Bankruptcy or Financial Default of a Travel Supplier within 30 days of the Insured’s Effective Date is excluded from coverage. For the Bankruptcy or Financial Default coverage to apply, the coverage must be purchased within 14 days from the date of the initial deposit for the Covered Trip.

3.A Terrorist Incident after the Effective Date, if the Insured is scheduled to arrive at their Destination within 10 days following the Terrorist Incident and, for Trip Interruption, the Travel Supplier is not offering a substitute itinerary. Coverage for travel to the Insured’s Destination for which travel warnings have been issued at the time this coverage is purchased is excluded. Coverage for travel to the Insured’s Destination in which such a documented and reported Terrorist Incident has occurred in the 12 months prior to the purchase of the coverage is excluded.

4.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.

5.Insured Person or Travel Companion being hijacked, medically quarantined by order of a governmental health authority.

6.Jury Duty when a jury summons is issued after the Insured’s Effective Date or the Insured Person is served with a court order issued after the Insured’s Effective Date requiring the Insured Person to appear during the time period for the Covered Trip.

7.Insureds or Travel Companions home made uninhabitable by fire, windstorm, vandalism or flood.

8.A traffic Accident directly involving either the Insured Person or Travel Companion, substantiated by a police report, while en route to a scheduled departure point.

9.The Insured Person or Travel Companion, who is on active military duty in the United States Armed Forces or an active duty police officer or fire fighter: (1) having his or her personal leave revoked within 10 days prior to his or her Departure Date (as long as such revocation is in writing by a superior officer and is not due to war-related situations, Terrorist Incident, invocation of the War Powers Act, base or unit mobilization, unit reassignment for any reason, or disciplinary action); or (2) personal reassignment within 10 days prior to his or her Departure Date, whether temporary or permanent.

10.Employee termination or layoff if the Insured Person has been employed by the same employer for at least 1 year prior to the Insured’s Effective Date.

Trip Interruption:

We will pay for non-refundable, unused payments and deposits, not to exceed the lesser of the amount of the total trip protection purchased, or the Maximum Benefit shown on the Certificate Schedule, if the Insured’s Covered Trip is cancelled or interrupted for any one of the following reasons which occurs after the Insured’s Effective Date:

1.Illness, Injury or Death to the Insured Person, an Insured’s Family Member, a Travel Companion or a Travel Companions Family Member. Injury or Illness must be so disabling as to reasonably cause a Covered Trip to be delayed, cancelled or interrupted upon the advice of a Physician.

2.Bankruptcy or Financial Default of a Travel Supplier (other than the Travel Supplier from whom the Insured purchased this coverage) which stops service more than 30 days following the Insured’s Effective Date. Bankruptcy or Financial Default of a Travel Supplier within 30 days of the Insured’s Effective Date is excluded from coverage. For the Bankruptcy or Financial Default coverage to apply, the coverage must be purchased within 14 days from the date of the initial deposit for the Covered Trip.

3.A Terrorist Incident after the Effective Date, if the Insured is scheduled to arrive at their Destination within 10 days following the Terrorist Incident and, for Trip Interruption, the Travel Supplier is not offering a substitute itinerary. Coverage for travel to the Insured’s Destination for which travel warnings have been issued at the time this coverage is purchased is excluded. Coverage for travel to the Insured’s Destination in which such a documented and reported Terrorist Incident has occurred in the 12 months prior to the purchase of the coverage is excluded.

4.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.

5.Insured Person or Travel Companion being hijacked, medically quarantined by order of a governmental health authority.

6.Jury Duty when a jury summons is issued after the Insured’s Effective Date or the Insured Person is served with a court order issued after the Insured’s Effective Date requiring the Insured Person to appear during the time period for the Covered Trip.

7.Insureds or Travel Companions home made uninhabitable by fire, windstorm, vandalism or flood.

8.A traffic Accident directly involving either the Insured Person or Travel Companion, substantiated by a police report, while en route to a scheduled departure point.

9.The Insured Person or Travel Companion, who is on active military duty in the United States Armed Forces or an active duty police officer or fire fighter: (1) having his or her personal leave revoked within 10 days prior to his or her Departure Date (as long as such revocation is in writing by a superior officer and is not due to war-related situations, Terrorist Incident, invocation of the War Powers Act, base or unit mobilization, unit reassignment for any reason, or disciplinary action); or (2) personal reassignment within 10 days prior to his or her Departure Date, whether temporary or permanent.

10.Employee termination or layoff if the Insured Person has been employed by the same employer for at least 1 year prior to the Insured’s Effective Date.

Trip Cancellation/Trip Interruption: The Insurer will pay a benefit, up to the maximum shown on the Schedule of Coverage and Services, if You are prevented from taking or continuing Your Trip due to the following Unforeseen events:

• a) Sickness, Accidental Injury, or death of You, Your Traveling Companion, or a Family Member or Business Partner of You or Your Traveling Companion which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
• b) Strike that causes complete cessation of services for at least 24 consecutive hours.
• c) Weather which causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours.
• d) You or Your Traveling Companion are terminated or laid off from employment subject to three years of continuous employment at the place of employment where terminated.
• e) You or Your Traveling Companion are hijacked, quarantined, required to serve on a jury, subpoenaed or required to appear as a witness in a legal action, provided You or a Traveling Companion are not a party to the legal action or appearing as a law enforcement officer, the victim of felonious assault within 10 days of departure; or having Your principal place of residence made uninhabitable by fire, flood, or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.
• f) If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within the territorial limits of the City listed on Your itinerary. The Terrorist Attack must occur after the Effective Date of Your Trip Cancellation coverage.
• g) You or Your Traveling Companion who are military personnel, and are called to emergency duty for a disaster other than war or are called to active military duty, have their leave revoked or are reassigned for reasons other than war.
• h) You or Your Traveling Companion being directly involved in a traffic Accident substantiated by a police report, while en route to departure.
• i) The death or hospitalization of Your Host at Destination.
• j) Natural Disaster at the site of Your destination which renders Your destination accommodations uninhabitable.
• k) Your normal pregnancy or attending the childbirth of Your Family Member. The pregnancy must occur after the Plan Effective Date and be verified by medical records.
• l) 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.

Trip Interruption (Return Air Only up to $1,000 if $0 displayed for Trip Cancellation on Your Confirmation of Benefits):
Unused, non-refundable travel arrangements prepaid to Your Travel Supplier and additional transportation expenses incurred by You to return home or rejoin the original Land/Sea Arrangements (airfare limited to the cost of one-way air fare, using the same class of fare as the original travel ticket, by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets) less the value of applied credit from an unused return travel ticket. In no event shall the amount reimbursed exceed the lesser of the amount You pre-paid for Your Trip, or the maximum benefit shown on the Schedule of Coverage and Services; or the additional costs You may incur as a result of a change in the per-person occupancy rate of prepaid travel arrangements if a person booked to share accommodations with You cancels his/her Trip for a covered reason and You do not cancel. The Insurer will also pay for reasonable additional meals, lodging and transportation expenses incurred by You, up to $200 per day, if a Traveling Companion must remain hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You cannot fly home due to an Accident or a Sickness but does not require hospitalization, or if Your Trip must be extended due to an Unforeseen event listed under Part A Travel Protection – Trip Cancellation/ Trip Interruption.

Trip Cancellation/Trip Interruption: The Insurer will pay a benefit, up to the maximum shown on the Schedule of Coverage and Services, if You are prevented from taking or continuing Your Trip due to the following Unforeseen events:

• a) Sickness, Accidental Injury, or death of You, Your Traveling Companion, or a Family Member or Business Partner of You or Your Traveling Companion which results in medically imposed restrictions as certified by a Physician at the time of loss, preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
• b) Strike that causes complete cessation of services for at least 24 consecutive hours.
• c) Weather which causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours.
• d) You or Your Traveling Companion are terminated or laid off from employment subject to three years of continuous employment at the place of employment where terminated.
• e) You or Your Traveling Companion are hijacked, quarantined, required to serve on a jury, subpoenaed or required to appear as a witness in a legal action, provided You or a Traveling Companion are not a party to the legal action or appearing as a law enforcement officer, the victim of felonious assault within 10 days of departure; or having Your principal place of residence made uninhabitable by fire, flood, or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.
• f) Bankruptcy or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Coverage is not provided for the Bankruptcy or Default of the travel agent or Travel Supplier that solicited this protection plan and from whom You purchased Your Land/Sea Arrangements. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. You must purchase Your plan within 14 days of Your initial Trip deposit.
• g) If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within the territorial limits of the City listed on Your itinerary. The Terrorist Attack must occur after the Effective Date of Your Trip Cancellation coverage.
• h) You or Your Traveling Companion who are military personnel, and are called to emergency duty for a disaster other than war or are called to active military duty, have their leave revoked or are reassigned for reasons other than war.
• i) You or Your Traveling Companion being directly involved in a traffic Accident substantiated by a police report, while en route to departure.
• j) The death or hospitalization of Your Host at Destination.
• k) Natural Disaster at the site of Your destination which renders Your destination accommodations uninhabitable.
• l) Your normal pregnancy or attending the childbirth of Your Family Member. The pregnancy must occur after the Plan Effective Date and be verified by medical records.
• m) The primary or secondary school where You or Your Dependent Children attend must extend operating session beyond the predefined school year, due to Unforeseen events commencing during Your plan effective period and the travel dates for Your Trip fall within the period of the school year extension. Extensions due to extracurricular or athletic events are not covered.
• n) 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.

Trip Interruption (Return Air Only up to $1,000 if $0 displayed for Trip Cancellation on Your Confirmation of Benefits):
Unused, non-refundable travel arrangements prepaid to Your Travel Supplier and additional transportation expenses incurred by You to return home or rejoin the original Land/Sea Arrangements (airfare limited to the cost of one-way air fare, using the same class of fare as the original travel ticket, by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets) less the value of applied credit from an unused return travel ticket. In no event shall the amount reimbursed exceed the lesser of the amount You pre-paid for Your Trip, or the maximum benefit shown on the Schedule of Coverage and Services; or the additional costs You may incur as a result of a change in the per-person occupancy rate of prepaid travel arrangements if a person booked to share accommodations with You cancels his/her Trip for a covered reason and You do not cancel. The Insurer will also pay for reasonable additional meals, lodging and transportation expenses incurred by You, up to $200 per day, if a Traveling Companion must remain hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You cannot fly home due to an Accident or a Sickness but does not require hospitalization, or if Your Trip must be extended due to an Unforeseen event listed under Part A Travel Protection – Trip Cancellation/ Trip Interruption.

Whenever You are prevented from taking or completing a Covered Trip as a result of any of the unforeseen events listed below, We will reimburse You up to the Maximum Benefit Amount for Trip Cancellation or Trip Interruption, for the following expenses:

1. any unused non-refundable prepaid expenses for Travel Arrangements;
2. any Published Penalties You incur as a result of a trip cancellation;
3. one way Economy Transportation, less the value of any unused return travel ticket, to return to the Point of Origin or to continue on Your Covered Trip when an interruption in Your Covered Trip occurs; or
4. up to $150 for any reissue fee charged by the airline for Your airfare if Your Travel Supplier cancels Your Covered Trip or repositions the cruise ship or departure location. You must have covered the entire cost of the Covered Trip including the airfare.

Single Supplement Upgrade We will reimburse You for the single supplement upgrade cost when Your Traveling Companion cancels his or her travel plans with You, or interrupts Your Covered Trip as a result of one of the unforeseen events listed below, and You decide not to cancel or interrupt Your Covered Trip.

Unforeseen Events
As used in this provision, unforeseen events are as follows:

1. Any serious Injury or any serious Sickness occurring to:
   a) You, which results in medically imposed travel restrictions as certified by a Physician at the time of loss;
   b) Your Business Partner or a Traveling Companion, which is so disabling as to cause a reasonable person to delay, cancel, or interrupt her trip;
   c) Your or Your Traveling Companion’s Family Member that is considered life threatening or requiring hospitalization; or
   d) Your or Your Traveling Companion’s Family Member requiring Your or Your Traveling Companion’s immediate care.
   
2. Your death, the death of Your Family Member, Business Partner or Your Traveling Companion or Your Traveling Companion’s Family Member.
3. Bankruptcy or Default of a Travel Supplier, other than the travel agency or organization from whom You purchased the Travel Arrangements. Benefits are provided only for the expenses charged by the Travel Supplier whose Bankruptcy or Default results in loss covered by the Policy and which stops service:
   a) more than 15 days following Your Policy Effective Date for Trip Cancellation; or
   b) after Your Scheduled Departure Date for Trip Interruption provided You purchased this insurance within 15 days from the date You paid the initial deposit on Your Covered Trip.
   No coverage is provided for the total cessation or complete suspension of operations by a Travel Supplier caused by fraud or negligent misrepresentation by such Travel Supplier.
4. A Terrorist Incident in Your city of departure or Destination occurring after Your Effective Date, if You are scheduled to arrive in or depart from that city within 30 days following the Terrorist Incident.
5. Documented theft of Your or Your Traveling Companion’s passports and/or visas required for the Covered Trip.
6. A traffic accident directly involving You or Your Traveling Companion, as documented by a police report, while enroute to the Point of Origin.
7. Your or Your Traveling Companion’s place of business being made unsuitable for the transaction of business by fire, vandalism, burglary or Natural Disaster.
8. Death, hospitalization, or quarantine of Your Host at Destination.
9. You or Your Traveling Companion are hijacked, quarantined, called for jury duty, or called for a court ordered appearance as a witness (except law enforcement officers) in a legal action in which You or Your Traveling Companion are not a party.
10. You or Your Traveling Companion are transferred by the employer with whom You or Your Traveling Companion are employed as a full-time active employee at the time You enrolled for this insurance. Such transfer must result in You or Your Traveling Companion having to relocate 250 miles or more from Your or Your Traveling Companion’s original Primary Residence.
11. You or Your Traveling Companion being called to the emergency service of the government in response to a Natural Disaster.
12. Your arrival at Your Destination is delayed and causes You to lose 50% or more of the scheduled Covered Trip duration due to any the unforeseen events covered under Trip Delay.
13. Involuntary termination or layoff affecting You or Your Traveling Companion. Employment must have been on an active full-time basis and with the same employer for at least 3 continuous years immediately preceding the termination or layoff.
14. An Organized Labor Strike that causes complete cessation of travel services delaying the departure of Your Covered Trip for at least 24 consecutive hours.
15. Inclement Weather which causes Your Common Carrier to delay the departure of Your Covered Trip for at least 24 hours.
16. Your or Your Traveling Companion’s Primary Residence or Destination accommodations being made uninhabitable during Your Covered Trip by fire, vandalism, burglary or Natural Disaster.

1. the date Your Covered Trip was canceled or interrupted;
2. copies of Your travel invoices;
3. the original, unused travel tickets or vouchers;
4. Your Travel Supplier’s cancellation clause with regard to non-refundable costs, charges or expenses;
5. receipts or other proofs of payment;
6. detailed medical documentation if the trip cancellation or trip interruption was caused by or resulted from a serious Injury or serious Sickness; and
7. any other information We deem necessary to properly adjudicate Your claim.

If You are prevented from completing a Covered Trip for any of the reasons listed under Trip Cancellation th