Trip Interruption

This Benefit is not available within this plan

Trip Cancellation / Interruption
Subject to the limitations stated below, We will pay for non-refundable, unused payments and deposits, not to exceed the lesser of the total trip protection purchased, or the maximum benefit shown on the Schedule of Benefits, if Your Covered Trip is cancelled or interrupted as a result of any one of the following events which occurs after Your coverage is in effect and before such coverage terminates:

1. Emergency Illness, Injury or death to:
   • a) You;
   • b) A Family Member;
   • c) A Business Partner;
   • d) A Travel Companion; or
   • e) A Travel Companion's Family Member.
   The Emergency Illness or Injury must be so disabling as to reasonably cause a Covered Trip to be delayed, canceled or interrupted upon the written opinion of a treating Physician. For Trip Cancellation benefits, an actual examination by a Physician must take place before the cancellation is made. For Trip Interruption benefits, this examination must take place during the Covered Trip. If the Emergency Illness or Injury occurs to a Family Member or Travel Companion's Family Member, that person must require the Insured or the Traveling Companion to be the primary care giver. We will not pay for those unused payments and deposits that are non-refundable as a result of Your failure to notify the Travel Supplier of the cancella- tion of a Covered Trip within 5 days after the death of a Family Member, Business Partner, Travel Companion or Travel Companion's Family Member. We will not pay this benefit if Your Emergency Illness, Injury or death is a result of a Pre-Existing Condition. This Pre- Existing Condition exclusion is waived if You are under the age of 70 and coverage is pur- chased within 14 days after the date Your ini- tial payment for the Covered Trip was paid to the Travel Supplier, and all Insureds are medically able to travel on the date coverage is purchased. We will not pay this benefit if a Family Member or Travel Companion with whom you permanently reside suffers an Illness, Injury or death as a result of a Pre- Existing Condition that is not waived.
2. Financial Default of a Travel Supplier (other than the Travel Supplier from whom You pur- chased the Covered Trip) which stops serv- ice more than 30 days after the date Your coverage became effective. Financial Default of a Travel Supplier before or on the date Your coverage became effective or within 30 days after the date Your coverage became effective is excluded. This coverage must be purchased within 14 days after the date of initial deposit for the Covered Trip.
3. A Terrorist Incident, if You are scheduled to arrive at a Destination within 30 days fol- lowing the Terrorist Incident and the Travel Supplier is not offering a substitute itinerary. Travel to any Destination for which travel warnings have been issued by the U.S. State Department at the time this coverage is pur- chased is excluded. Travel to any Destination in which such a Terrorist Incident has occurred in the 180 days prior to the date this coverage was purchased is excluded.
4. Organized Labor Strike, natural disas- ters or bad weather resulting in the complete cessation of services by a Travel Supplier for at least 24 consecutive hours.
5. You or a Travel Companion being hijacked or medically quarantined by order of a gov- ernmental health authority.
6. You or a Travel Companion being sum- moned to serve on a jury or served with a court order issued after the date Your cover- age became effective, which mandates the appearance in court during the time period for the Covered Trip.
7. Your home or the home of a Travel Companion is made uninhabitable by fire, windstorm, vandalism or flood.
8. A traffic Accident directly involving either You or a Travel Companion, substantiated by a police report, while en route to a sched- uled departure point for the Covered Trip.
9. You or a Travel Companion is on active military duty in the United States Armed Forces or is an active duty police officer or fire fighter, whose personal leave is revoked within 10 days before Your Departure Date. Such revocation must be in writing by a superior officer and must not be due to a base or unit mobilization, unit or personal reassignment for any reason (whether tem- porary or permanent), or disciplinary action.
10. Employer termination or Your layoff. You must have been employed with the same employer for at least one year, and You must have worked at least 30 hours per week, excluding time off for paid vacation and holi- days, for the entire period of employment.

The Insurer will reimburse the Insured, as described below, if a Trip is canceled or interrupted for the Insured due to any of the following Unforeseen circumstances: (a) Sickness, Injury, or death of an Insured, Immediate Family Member, Traveling Companion, or Business Partner. Injury or Sickness must be so disabling as to reasonably cause a Trip to be canceled or interrupted. If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of an Immediate Family Member or Business Partner, it must be because their condition is life-threatening, or because the Immediate Family Member requires the Insured?s or Traveling Companion?s care; (b) Inclement Weather causing delay or cancellation of travel; (c) Strike resulting in complete cessation of travel services at the point of departure or Destination. A Strike is foreseeable on the date labor union members vote to approve a Strike and is not covered under the policy; (d) the Insured?s principal residence or Destination being made Uninhabitable by fire, flood, or similar Natural Disaster, vandalism, or burglary; (e) the Insured or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined; (f) a Terrorist Incident in a City listed on the Insured?s itinerary within 30 days of the Insured?s scheduled arrival. ?City? means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas, or airspace; (g) Financial Default of an airline, cruise line, or tour operator resulting in the complete cessation of services. Financial Default occurring on or before the Insured?s coverage effective date or less than fourteen days after the Insured?s coverage effective date will not be covered. This coverage applies only if insurance was purchased within fifteen calendar days of Initial Trip payment. (Day one is the date the initial Trip payment is received.); or (h) the Insured or Traveling Companion being called into active military service or having leave revoked or being reassigned; (i) Termination of employment or layoff affecting the Insured or his/her Traveling Companion; must have been with the same employer for at least five continuous years; (j) the Insured or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to his/her departure date; or (k) being involved in or delayed due to a traffic accident en route to departure.

Trip Interruption Benefits: The Insurer will reimburse the Insured for the following up to the Maximum Limit shown on the Schedule of Benefits for Trips that have been interrupted due to the Unforeseen events shown at the beginning of this section.
(a) forfeited, non-refundable, unused prepaid payments, made prior to your departure date; and
(b) additional non airline transportation expenses incurred by the Insured, either (i) to the Return Destination; or (ii) from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or
(c) additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and leaves after the departure date.
However, the benefit payable under (b) and (c) above will not exceed the cost of economy airfare (or first class if the Insured?s original tickets were first class) by the most direct route, less any refunds paid or payable;
(d) the Insured?s additional cost as a result of a change in the perperson occupancy rate for prepaid travel arrangements if a Traveling Companion?s Trip is interrupted, and the Insured?s Trip is continued.

Trip Interruption ? Return Air Only: The Insurer will reimburse the Insured for the additional airline transportation expenses incurred by the Insured to reach the Return Destination if the Insured's Trip must be interrupted due to one of the Unforeseen events shown at the beginning of this section, up to the Maximum Limit shown on the Schedule of Benefits.

The Insured must: Contact LiveTravel (1.800.826.8597) as soon as he/she knows the Trip is going to be cancelled or interrupted. In addition to the General Exclusions, coverage is not provided for losses caused by or as a result of: (i) travel arrangements cancelled by an airline, cruise line, or tour operator, except as provided elsewhere in the policy; (ii) changes in plans by the Insured, an Immediate Family Member, or Traveling Companion, for any reason; (iii) financial circumstances of the Insured, an Immediate Family Member, or a Traveling Companion; (iv) any business or contractual obligations of the Insured, an Immediate Family Member, or Traveling Companion; (v) Default by the person, agency, or tour operator from whom the Insured bought his/her coverage and purchased his/her travel arrangements; (vi) any government regulation or prohibition; (vii) an event which occurs prior to the Insured?s coverage Effective Date for Trip Cancellation coverage, whether known to the Insured or not.

The Insured?s Duties in the Event of Loss: The Insured must provide the Insurer documentation of the cancellation or interruption, and proof of the expenses incurred. The Insured must provide proof of payment for the Trip such as cancelled check or credit card statements, proof of refunds received, copies of applicable tour operator or Common Carrier cancellation policies, and any other information reasonably required to prove the loss. Claims involving loss due to Sickness, Injury, or death require signed patient (or next of kin) authorization to release medical information and an attending physician?s statement. The Insured must provide the Insurer with all unused air, rail, cruise, or other tickets if he/she is claiming the value of those unused tickets.

TRIP CANCELLATION & TRIP INTERRUPTION

The Company will pay a benefit, up to the maximum shown on the Confirmation of Coverage, if You are prevented from taking or unable to continue Your Covered Trip due to:

• (a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.
• (b) You or a Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of felonious assault within ten (10) days of departure; or having his/her principal place of residence made uninhabitable by fi re, fl ood or other natural disaster; or burglary of his/her principal place of residence within ten (10) days of departure.
• (c) You or a Traveling Companion being directly involved in a traffi c accident substantiated by a police report, while en route to departure.
• (d) A transfer of You by the employer with whom You are employed on the Effective Date that requires Your principal residence to be relocated.
• (e) The death or hospitalization of Your Host at Destination.
• (f) Strike that causes complete cessation of services for at least twenty-four (24) consecutive hours.
• (g) You are terminated, or laid off from employment subject to three (3) years of continuous employment at the place of employment where terminated.
• (h) Bankruptcy and/or Default of Your Travel Supplier which occurs more than fourteen (14) days following Your Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased the Land/Sea Arrangements. Your Scheduled Departure Date must be no more than twenty four (24) months beyond Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination.
• (i) Weather that causes complete cessation of services of Your Common Carrier for at least twenty-four (24) consecutive hours.
• (j) A cancellation of Your Covered Trip if Your arrival on the Covered Trip is delayed and causes You to lose 50% or more of the scheduled Covered Trip duration due to a defi ned Hazard (Trip Cancellation Only).
• (k) A Terrorist Incident that occurs in a city listed on Your Covered Trip itinerary and within thirty (30) days prior to Your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the ninety (90) days prior to the Terrorist Incident that is causing the cancellation of Your Covered Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. Your Scheduled Departure Date must be no more than twenty four (24)) months beyond Your Effective Date. This benefit only applies if the plan has been purchased within twenty-one (21) days of Your initial payment for the Covered Trip and for the full cost of the Covered Trip.
• (l) Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty for a natural disaster other than war.
• (m) Natural disaster at the site of Your destination that renders the destination accommodations uninhabitable.
• (n) You or Your Traveling Companion are required to work during the Covered Trip. Proof of requirement to work, such as a notarized statement signed by an officer of You or Your Traveling Companion?s employer must be presented.
• (o) Your or Your Traveling Companion?s company being made unsuitable for business by fire, flood, burglary, vandalism or other natural disaster and You or Your Traveling Companion is responsible for policy and decision making with the company and directly involved as a member of the disaster recovery team.
• (p) Your or Your Traveling Companion?s company being directly involved in a merger, acquisition, government required product recall or bankruptcy proceedings. You or Your Traveling Companion must be an active employee of the company and must be directly involved in said event.
• (q) You or Your Traveling Companion have a previously approved military leave revoked or experience a military re-assignment.

TRIP INTERRUPTION The Company will pay for the following:

• (a) Unused, non-refundable land or sea expenses prepaid to the Travel Suppliers;
• (b) The airfare paid less the value of applied credit from an unused travel ticket to return home, join or rejoin the original Land/Sea Arrangements limited to the cost of one-way economy airfare or similar quality as the originally issued ticket by scheduled carrier.

SPECIAL CONDITIONS: You must advise the Travel Supplier and the Company as soon as possible in the event of a claim. The Company will not pay benefi ts for any additional charges incurred that would not have been charged had You notified the Travel Supplier as soon as reasonably possible.

SINGLE OCCUPANCY COVERAGE
The Company will reimburse You, up to the maximum shown on the Confirmation of Coverage for Trip Cancellation, for the additional cost incurred during the Covered Trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with You has his/her Covered Trip delayed, canceled, or interrupted for a covered reason and You do not cancel.

LIMITATIONS AND EXCLUSIONS
The following exclusions apply to Trip Cancellation & Trip Interruption, Trip Delay, Missed Connection, Emergency Accident & Sickness Medical Expense, Emergency Evacuation & Repatriation of Remains, Accidental Death & Dismemberment, Accidental Death & Dismemberment - Common Carrier and Optional Flight Accidental Death & Dismemberment:
Loss caused by or resulting from:

1. Pre-Existing Conditions, as defi ned in the Defi nitions section (except Emergency Evacuation and Repatriation of Remains) unless the insurance is purchased within thirty (30) days of the initial Covered Trip deposit;
2. Suicide, attempted suicide or any intentionally self-infl icted injury while sane or insane (in Missouri, sane only) unless results in the death of a non-traveling immediate Family Member;
3. War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war;
4. Participation in any military maneuver or training exercise;
5. Piloting or learning to pilot or acting as a member of the crew of any aircraft;
6. Mental or emotional disorders, unless hospitalized;
7. Participation as a professional in athletics;
8. Participation in underwater activities (does not include recreational swimming);
9. Being under the infl uence of drugs or intoxicants, unless prescribed by a Physician or unless results in the death of a non-traveling immediate Family Member;
10. Commission or the attempt to commit a criminal act;
11. Participating in bodily contact sports; skydiving; hang-gliding; parachuting; mountaineering; any race; bungee cord jumping; and speed contest (speed contest shall not include any of the regatta races); scuba diving (unless accompanied by a dive master and not deeper than 50 feet); spelunking or caving; heliskiing or extreme skiing. Exclusion does not apply to Trip Cancellation. Bodily contact sports means any sport where the objective is to physically render an opponent unable to continue with the competition such as boxing and full contact karate;
12. Dental treatment except as a result of an injury to sound natural teeth limited to $750;
13. Any non-emergency treatment or surgery, routine physical examinations, hearing aids, eyeglasses or contact lenses;

TRIP CANCELLATION AND INTERRUPTION
The Insurer will reimburse the Insured, as described below, if a Trip is canceled or interrupted for the Insured due to any of the following Unforeseen circumstances: (a) Sickness, Injury, or death of an Insured, Immediate Family Member, Traveling Companion, guide/outfitter for the Insured?s Trip, or Business Partner. Injury or Sickness must be so disabling as to reasonably cause a Trip to be canceled or interrupted. If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of an Immediate Family Member or Business Partner, it must be because their condition is life- threatening, or because the Immediate Family Member requires the Insured?s or Traveling Companion?s care. If the Insured must cancel or interrupt his/her trip due to Sickness, Injury or death of the guide/outfitter for the Insured?s Trip, the guide/outfitter must be the only guide/outfitter available for the Trip, and the Sickness or Injury must be certified by a Physician; (b) Inclement Weather causing delay or cancellation of travel; (c) Strike resulting in complete cessation of travel services at the point of departure or Destination. A Strike is foreseeable on the date labor union members vote to approve a Strike and is not covered under the policy; (d) the Insured?s principal residence or Destination being made Uninhabitable by fire, flood, or similar Natural Disaster, vandalism, or burglary; (e) the Insured or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined; (f) a Terrorist Incident in a City listed on the Insured?s itinerary within 30 days of the Insured?s scheduled arrival. ?City? means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas, or airspace; (g) Financial Default of an airline, cruise line, or tour operator resulting in the complete cessation of services. Financial Default occurring on or before the Insured?s coverage effective date or less than fourteen days after the Insured?s coverage effective date will not be covered. This coverage applies only if insurance was purchased within fifteen calendar days of Initial Trip payment. (Day one is the date the initial Trip payment is received.); or (h) the Insured or Traveling Companion being called into active military service or having leave revoked or being reassigned; (i) Termination of employment or layoff affecting the Insured or his/her Traveling Companion; must have been with the same employer for at least five continuous years; (j) the Insured or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to his/her departure date; or (k) being involved in or delayed due to a traffic accident en route to departure; (l) the United States government or local government issues a hunting activity restriction after the effective date of coverage at the Destination which prohibits the hunting activity for which the Insured has booked his/her Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting, or the hunting activity being declared illegal.

The Insurer will pay a benefit, up to the Maximum Limit shown on the Schedule, if an Insured cancels his/her Trip or is unable to continue on his/her Trip due to the following Unforeseen events:

• (a) Sickness, Injury or death of an Insured, Family Member, Traveling Companion, or Business Partner.
  1. Injury or Sickness of an Insured, Traveling Companion or Family Member traveling with the Insured must be so disabling as to reasonably cause a Trip to be cancelled or interrupted, or 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.
  2. If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of a Family Member not traveling with the Insured, it must be because their condition is life threatening, as certified by a Physician or because they require the Insured?s care.
  3. Injury or Sickness of the Business Partner must be so disabling as to reasonably cause the Insured to cancel or interrupt the Trip to assume daily management of the business. Such disability must be certified by a Physician.
• (b) Sickness Injury or death or hospitalization of the Insured's Host at Destination. A Physician must certify the Injury or Sickness.
• (c) Financial Default of an airline, cruise line, or tour operator provided the Financial Default occurs more than 14 days following an Insured's effective date for the Trip Cancellation or Trip Interruption Benefits. There is no coverage for the Financial Default of any person, organization, agency, or firm from whom the Insured purchased travel arrangements supplied by others. This coverage applies only if insurance was purchased within 15 calendar days of Initial Trip Payment;
• (d) Inclement Weather causing delay or cancellation of travel;
• (e) Strike resulting in complete cessation of travel services at the point of departure or Destination;
• (f) the Insured?s Primary Residence or Destination being made Uninhabitable by Natural Disaster, vandalism, or burglary;
• (g) the Insured, or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;
• (h) the Insured or Traveling Companion being called into active military service or having leave revoked or being reassigned;
• (i) a Terrorist Incident in a City listed on the Insured?s itinerary within 30 days of the Insured?s scheduled arrival;
• (j) the Insured or Traveling Companion is required to work during his/her scheduled Trip. He/she must provide proof of requirement to work, such as a notarized statement signed by an officer of his/her employer; In the situation of selfemployment, proof of self-employment and a notarized statement confirming that the Insured is unable to travel due to his or her job obligations will be required;
• (k) the Insured or Traveling Companion is directly involved in a merger, acquisition, government required product recall, or bankruptcy proceedings and must be currently employed by the company that is involved in said event;
• (l) the Insured?s or Traveling Companion?s company is deemed to be unsuitable for business due to burglary, or Natural Disaster and the Insured or Traveling Companion is directly involved as a Key Employee of the disaster recovery team;
• (m) mechanical/equipment failure of a Common Carrier that occurs on a scheduled Trip and causes complete cessation of the Insured?s travel and results of a Loss of 50% of the Insured?s Trip length; or
• (n) the Insured or Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least one year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, independent contractors or selfemployed persons.

SPECIAL NOTIFICATION OF CLAIM
The Insured must notify Travel Guard as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. If the Insured is unable to provide cancellation notice within the required timeframe, the Insured must provide proof of the circumstance that prevented timely notification.

Trip Interruption Benefits: The Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for Trips that are interrupted due to the Unforeseen events shown above:

• (a) forfeited, insured Trip Cost, and
• (b) additional non airfare transportation expenses incurred by the Insured, either
  (i) to the Return Destination; or
  (ii) from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or
  
• (c) additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and leaves after the Departure Date. However, the benefit payable under (b) and (c) above will not exceed the cost of economy airfare or the same class as the Insured?s original ticket less any refunds paid or payable by the most direct route.

Trip Interruption ? Return Air Only:The Insurer will reimburse the Insured for the additional transportation expenses incurred to reach the Return Destination due to one of the Unforeseen events listed in the Trip Cancellation/Trip Interruption section. However, the benefit payable will not exceed the cost of economy airfare (or the same class as the Insured?s original ticket) less any refunds paid or payable and taken by the most direct route.

SINGLE OCCUPANCY
The Insurer will reimburse the Insured, up to the Trip Cancellation and Interruption Maximum Limit shown on the Schedule, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with the Insured has his/her Trip interrupted due to the Unforeseen events shown in the Trip Interruption section and the Insured does not cancel.

The following exclusions apply to Trip Cancellation and Trip Interruption:
Benefits will not be provided for any loss resulting (in whole or in part) from:

• (a) travel arrangements canceled by an airline, cruise line, or tour operator, except as provided elsewhere in the plan;
• (b) changes by the Insured, a Family Member, or Traveling Companion, for any reason;
• (c) financial circumstances of the Insured, a Family Member, or a Traveling Companion;
• (d) any government regulation or prohibition;
• (e) an event which occurs prior to the Insured?s coverage Effective Date;
• (f) failure of any tour operator, Common Carrier, person or agency to provide the bargained-for travel arrangements.

The Insurer will pay a benefit, up to the Maximum Limit shown on the Schedule, if an Insured cancels his/her Trip or is unable to continue on his/her Trip due to the following Unforeseen events:

• (a) Sickness, Injury or death of an Insured, Family Member, Traveling Companion, or Business Partner.
  1. Injury or Sickness of an Insured, Traveling Companion or Family Member traveling with the Insured must be so disabling as to reasonably cause a Trip to be cancelled or interrupted, or 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.
  2. If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of a Family Member not traveling with the Insured, it must be because their condition is life-threatening, as certified by a Physician or because they require the Insured's care.
  3. Injury or Sickness of the Business Partner must be so disabling as to reasonably cause the Insured to cancel or interrupt the Trip to assume daily management of the business. Such disability must be certified by a Physician.
• (b) Inclement Weather causing delay or cancellation of travel for at least 24 consecutive hours;
• (c) Strike resulting in complete cessation of travel services at the point of departure or Destination;
• (d) the Insured's Primary Residence or Destination being made Uninhabitable by Natural Disaster, vandalism, or burglary;
• (e) the Insured, or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;
• (f) a Terrorist Incident in a City listed on the Insured's itinerary within 30 days of the Insured's scheduled arrival;
• (g) the Insured or Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least one year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, independent contractors or self-employed persons

SPECIAL NOTIFICATION OF CLAIM
The Insured must notify Travel Guard as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. If the Insured is unable to provide cancellation notice within the required timeframe, the Insured must provide proof of the circumstance that prevented timely notification.

Trip Cancellation Benefits: The Insurer will reimburse the Insured for forfeited Trip Cost up to the Maximum Limit shown on the Schedule for Trips that are canceled prior to the scheduled departure for their Trip due to the Unforeseen events shown above.

Trip Interruption Benefits: The Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for Trips that are interrupted due to the Unforeseen events shown above:

• (a) forfeited, insured Trip Cost, and
• (b) additional non airfare transportation expenses incurred by the Insured, either
  • (i) to the Return Destination; or
  • (ii) from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or
• (c) additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and leaves after the Departure Date. However, the benefit payable under (b) and (c) above will not exceed the cost of economy airfare or the same class as the Insured's original ticket less any refunds paid or payable by the most direct route.

Trip Interruption - Return Air Only: The Insurer will reimburse the Insured for the additional transportation expenses incurred to reach the Return Destination due to one of the Unforeseen events listed in the Trip Cancellation/Trip Interruption section. However, the benefit payable will not exceed the cost of economy airfare (or the same class as the Insured's original ticket) less any refunds paid or payable and taken by the most direct route.

SINGLE OCCUPANCY
The Insurer will reimburse the Insured, up to the Trip Cancellation and Interruption Maximum Limit shown on the Schedule, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with the Insured has his/her Trip interrupted due to the Unforeseen events shown in the Trip Interruption section and the Insured does not cancel.

The Insurer will reimburse the Insured, as described below, if a Trip is canceled or interrupted for the Insured due to any of the following Unforeseen circumstances: (a) Sickness, Injury, or death of an Insured, Immediate Family Member, Traveling Companion, or Business Partner. Injury or Sickness must be so disabling as to reasonably cause a Trip to be canceled or interrupted. If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of an Immediate Family Member or Business Partner, it must be because their condition is life-threatening, or because the Immediate Family Member requires the Insured?s or Traveling Companion?s care; (b) Inclement Weather causing delay or complete cessation of services for at least 24 consecutive hours; (c) Strike resulting in complete cessation of travel services at the point of departure or Destination. A Strike is foreseeable on the date labor union members vote to approve a Strike and is not covered under the policy; (d) the Insured?s principal residence or Destination being made Uninhabitable by fire, flood, or similar Natural Disaster, vandalism, or burglary; (e) the Insured or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined; (f) a Terrorist Incident in a City listed on the Insured?s itinerary within 30 days of the Insured?s scheduled arrival. ?City? means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas, or airspace.

Trip Interruption Benefits: The Insurer will reimburse the Insured for the following up to the Maximum Limit shown on the Schedule of Benefits for Trips that have been interrupted due to the Unforeseen events shown at the beginning of this section. (a) forfeited, non-refundable, unused prepaid payments, made prior to your departure date; and (b) additional non airline transportation expenses incurred by the Insured, either (i) to the Return Destination; or (ii) from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or (c) additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and leaves after the departure date. However, the benefit payable under (b) and (c) above will not exceed the cost of economy airfare (or first class if the Insured?s original tickets were first class) by the most direct route, less any refunds paid or payable; (d) the Insured?s 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 the Insured?s Trip is continued.

Trip Interruption ? Return Air Only: The Insurer will reimburse the Insured for the additional airline transportation expenses incurred by the Insured to reach the Return Destination if the Insured's Trip must be interrupted due to one of the Unforeseen events shown at the beginning of this section, up to the Maximum Limit shown on the Schedule of Benefits.

The Insured Must: Contact LiveTravel (1.800.826.8597) as soon as he/she knows the Trip is going to be cancelled or interrupted. Failure to do so may affect coverage.

The Insurer will reimburse the Insured, as described below, if a Trip is canceled or interrupted for the Insured due to any of the following Unforeseen circumstances: (a) Sickness, Injury, or death of an Insured, Immediate Family Member, Traveling Companion, or Business Partner. Injury or Sickness must be so disabling as to reasonably cause a Trip to be canceled or interrupted. If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of an Immediate Family Member or Business Partner, it must be because their condition is life-threatening, or because the Immediate Family Member requires the Insured?s or Traveling Companion?s care; (b) Inclement Weather causing delay or complete cessation of services for at least 24 consecutive hours; (c) Strike resulting in complete cessation of travel services at the point of departure or Destination. A Strike is foreseeable on the date labor union members vote to approve a Strike and is not covered under the policy; (d) the Insured?s principal residence or Destination being made Uninhabitable by fire, flood, or similar Natural Disaster, vandalism, or burglary; (e) the Insured or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined; (f) a Terrorist Incident in a City listed on the Insured?s itinerary within 30 days of the Insured?s scheduled arrival. ?City? means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas, or airspace; (g) Financial Default of an airline, cruise line, or tour operator resulting in the complete cessation of services. Financial Default occurring on or before the Insured?s coverage effective date or less than fourteen days after the Insured?s coverage effective date will not be covered. This coverage applies only if insurance was purchased within fifteen calendar days of Initial Trip payment. (Day one is the date the initial Trip payment is received.); or (h) the Insured or Traveling Companion being called into active military service or having leave revoked or being reassigned.

Trip Interruption Benefits: The Insurer will reimburse the Insured for the following up to the Maximum Limit shown on the Schedule of Benefits for Trips that have been interrupted due to the Unforeseen events shown at the beginning of this section.
(a) forfeited, non-refundable, unused prepaid payments, made prior to your departure date; and
(b) additional non airline transportation expenses incurred by the Insured, either (i) to the Return Destination; or (ii) from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or
(c) additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and leaves after the departure date.
However, the benefit payable under (b) and (c) above will not exceed the cost of economy airfare (or first class if the Insured?s original tickets were first class) by the most direct route, less any refunds paid or payable;
(d) the Insured?s 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 the Insured?s Trip is continued.

Trip Interruption ? Return Air Only: The Insurer will reimburse the Insured for the additional airline transportation expenses incurred by the Insured to reach the Return Destination if the Insured's Trip must be interrupted due to one of the Unforeseen events shown at the beginning of this section, up to the Maximum Limit shown on the Schedule of Benefits.

The Insured must: Contact LiveTravel (1.800.826.8597) as soon as he/she knows the Trip is going to be cancelled or interrupted. Failure to do so may affect coverage.

In addition to the General Exclusions, coverage is not provided for losses caused by or as a result of: (i) travel arrangements cancelled by an airline, cruise line, or tour operator, except as provided elsewhere in the policy; (ii) changes in plans by the Insured, an Immediate Family Member, or Traveling Companion, for any reason; (iii) financial circumstances of the Insured, an Immediate Family Member, or a Traveling Companion; (iv) any business or contractual obligations of the Insured, an Immediate Family Member, or Traveling Companion; (v) Default by the person, agency, or tour operator from whom the Insured bought his/her coverage and purchased his/her travel arrangements; (vi) any government regulation or prohibition; (vii) an event which occurs prior to the Insured?s coverage Effective Date for Trip Cancellation coverage, whether known to the Insured or not.

The Insured?s Duties in the Event of Loss: The Insured must provide the Insurer documentation of the cancellation or interruption, and proof of the expenses incurred. The Insured must provide proof of payment for the Trip such as cancelled check or credit card statements, proof of refunds received, copies of applicable tour operator or Common Carrier cancellation policies, and any other information reasonably required to prove the loss. Claims involving loss due to Sickness, Injury, or death require signed patient (or next of kin) authorization to release medical information and an attending physician?s statement. The Insured must provide the Insurer with all unused air, rail, cruise, or other tickets if he/she is claiming the value of those unused tickets.

The Insurer will pay a benefit, up to the Maximum Limit shown on the Schedule, if an Insured cancels his/her Trip or is unable to continue on his/her Trip due to the following Unforeseen events:

(a) Sickness, Injury or death of an Insured, Family Member, Traveling Companion, guide/outfitter for the Insured?s Trip, or Business Partner.
1) Injury or Sickness of an Insured, Traveling Companion or Family Member traveling with the Insured must be so disabling as to reasonably cause a Trip to be cancelled or interrupted, or 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.
2) If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of a Family Member not traveling with the Insured, it must be because their condition is life-threatening, as certified by a Physician or because they require the Insured?s care.
3) Injury or Sickness of the Business Partner must be so disabling as to reasonably cause the Insured to cancel or interrupt the Trip to assume daily management of the business. Such disability must be certified by a Physician.
4) If the Insured must cancel or interrupt his/her Trip due to Sickness, Injury or death of the guide/outfitter for the Insured?s Trip, the guide/outfitter must be the only guide/outfitter available for the Trip; and the Sickness or Injury must be certified by a Physician.
(b) Sickness Injury or death or hospitalization of the Insured's Host at Destination. A Physician must certify the Injury or Sickness.
(c) Financial Default of an airline, cruise line, or tour operator provided the Financial Default occurs more than 14 days following an Insured's effective date for the Trip Cancellation or Trip Interruption Benefits. There is no coverage for the Financial Default of any person, organization, agency, or firm from whom the Insured purchased travel arrangements supplied by others. This coverage applies only if insurance was purchased within 15 calendar days of Initial Trip Payment;
(d) Inclement Weather causing delay or cancellation of travel;
(e) Strike resulting in complete cessation of travel services at the point of departure or Destination;
(f) the Insured?s Primary Residence or Destination being made Uninhabitable by Natural Disaster, vandalism, or burglary;
(g) the Insured, or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;
(h) the Insured or Traveling Companion being called into active military service or having leave revoked or being reassigned;
(i) a Terrorist Incident in a City listed on the Insured?s itinerary within 30 days of the Insured?s scheduled arrival;
(j) the Insured or Traveling Companion is required to work during his/her scheduled Trip. He/she must provide proof of requirement to work, such as a notarized statement signed by an officer of his/her employer; In the situation of self-employment, proof of self-employment and a notarized statement confirming that the Insured is unable to travel due to his or her job obligations will be required;
(k) the Insured or Traveling Companion is directly involved in a merger, acquisition, government required product recall, or bankruptcy proceedings and must be currently employed by the company that is involved in said event;
(l) the Insured?s or Traveling Companion?s company is deemed to be unsuitable for business due to burglary, or Natural Disaster and the Insured or Traveling Companion is directly involved as a Key Employee of the disaster recovery team;
(m) mechanical/equipment failure of a Common Carrier that occurs on a scheduled Trip and causes complete cessation of the Insured?s travel and results of a Loss of 50% of the Insured?s Trip length; or
(n) the Insured or Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least one year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, independent contractors or self-employed persons;
o) Insured or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to the Departure Date. No coverage is provided for Felonious Assault committed by another Insured, Family Member, Traveling Companion or Traveling Companion?s Family Member;
(p) the Insured or Traveling Companion is involved in or delayed due to an automobile accident, substantiated by a police report, while en route to the Insured?s Destination; or
(q) the United States government or local government issues a hunting activity restriction after the effective date of coverage at the Destination which prohibits the hunting activity for which the Insured has booked his/her Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting, or the hunting activity being declared illegal.

SPECIAL NOTIFICATION OF CLAIM
The Insured must notify Travel Guard as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. If the Insured is unable to provide cancellation notice within the required timeframe, the Insured must provide proof of the circumstance that prevented timely notification.
Trip Interruption Benefits: The Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for Trips that are interrupted due to the Unforeseen events shown above:
(a) forfeited, insured Trip Cost, and
(b) additional transportation expenses incurred by the Insured, either
(i) to the Return Destination; or
(ii) from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or
(c) additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and leaves after the Departure Date. However, the benefit payable under (b) and (c) above will not exceed the cost of economy airfare or the same class as the Insured?s original ticket less any refunds paid or payable by the most direct route.

Trip Interruption ? Return Air Only: The Insurer will reimburse the Insured for the additional transportation expenses incurred to reach the Return Destination due to one of the Unforeseen events listed in the Trip Cancellation/Trip Interruption section. However, the benefit payable will not exceed the cost of economy airfare (or the same class as the Insured?s original ticket) less any refunds paid or payable and taken by the most direct route.

Trip Interruption: The maximum payable under this benefit is the lesser of a) the Maximum Benefit Amount shown in the Schedule of Benefits; or b) 150% of the total amount of coverage You purchased.

Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for prepaid Travel Arrangements if Your Family Member or Your Traveling Companion has his/her Trip delayed, canceled or interrupted for a covered reason and You do not cancel.

In the event a cruise/tour supplier makes a change in Your Trip itinerary after Your Scheduled Departure Date, which prevents You from participating in an event/activity prepaid prior to departure and scheduled on Your Trip itinerary, non-refundable prepaid event/activity expenses will be payable up to $250. Benefits will not be paid if a comparable event/activity of equivalent cost is rescheduled during the course of the Trip.
These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.

Trip Interruption: Benefits will be paid, up to the Maximum Benefit Amount, for the non-refundable, unused portion of the prepaid expenses for Travel Arrangements and/or the Additional Transportation Cost paid to return home or rejoin the Trip, when You are prevented from completing Your Trip due to:

1. Death involving You or Your Traveling Companion or Your or Your Traveling Companion?s Business Partner or Your Family Member;

2. A covered Sickness or Injury involving You, Your Traveling Companion or Business Partner, or Your Family Member which necessitates Medical Treatment at the time of interruption and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents Your continued participation in the Trip; or

3. For the Other Covered Reasons listed below;
provided such circumstances occurred after Your Effective Date.
Other Covered Reasons means:
a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date) served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);
b. Your or Your Traveling Companion?s principal place of residence or destination being rendered uninhabitable by fire, flood, burglary or other natural disaster within 10 days of departure;
c. Your or Your Traveling Companion?s place of employment is rendered unsuitable for business due to fire, flood, burglary or other natural disaster and You and/or Your Traveling Companion are required to work as a result;
d. a documented theft of passports or visas;
e. a permanent transfer of employment of 250 miles or more;
f. You or Your Traveling Companion being directly involved in a traffic accident, which must be substantiated by a police report, while en route to Your scheduled point of departure;
g. Unannounced Strike that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
h. Inclement Weather that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
i. mechanical breakdown that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
j. You or Your Traveling Companion is in the Military and called to emergency duty for a national disaster other than war;
k. Involuntary employer termination or layoff affecting You or a person(s) sharing the same room with You during Your Trip. Employment must have been with the same employer for at least 1 continuous year;
l. A Terrorist Incident that occurs in a city listed on the itinerary of Your Trip and within 30 days prior to Your Scheduled Departure Date. Benefits are not provided if the Travel Supplier offers a substitute itinerary;
m. Revocation of Your previously granted leave or re-assignment due to war. Official written revocation/re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;
n. Bankruptcy or Default of an airline, cruise line, tour operator or travel supplier (other than the tour operator or travel agency from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if the policy has been purchased within 15 days of Your initial payment for the Trip and for the full cost of the Trip;
o. Your family or friends living abroad with whom You were planning to stay are unable to provide accommodations due to life threatening illness, life threatening injury or death of one of them;
p. You or Your Traveling Companion are required to work during the Trip. A written statement by a company officer and/or the Human Resources department demonstrating revocation of previously approved time off will be required;
q. mandatory evacuation or public official evacuation advisements where there is no mandatory evacuation issued by local government authorities at Your destination due to adverse weather or natural disaster. In order to cancel Your Trip, You must have 4 days or 50% of Your total Trip length or less remaining on Your Trip at the time the mandatory evacuation ends;
r. felonious assault of You or Your Traveling Companion within 10 days of the Scheduled Departure Date;
s. You or Your Traveling Companion are directly involved in the merger of Your employer or the acquisition of Your employer by another company;
t. a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 15 days following Your effective date of coverage for the Trip Cancellation Benefits;
u. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.
Additional Trip Interruption Benefits: If Your Traveling Companion must remain hospitalized, benefits will also be paid for reasonable accommodation and transportation expenses incurred by You to remain with Your Traveling Companion up to $150 per day, limited to 5 days.

If You cannot continue travel due to a covered Injury or Sickness not requiring hospitalization, and You must extend Your Trip due to medically imposed restrictions, as certified by a Legally Qualified Physician, benefits will be paid for additional hotel nights up to $150 per day, limited to 5 days.

If You interrupt Your Trip for a covered reason, We will also reimburse You, up to $300, for the amount of unused, forfeited, non-refundable payments for shore excursions; theater, concert or event tickets or fees; or sightseeing if such arrangements are made during Your Trip and are to be used prior to the Scheduled Return Date of Your Trip.

Trip Interruption:

Benefits will be paid, up to the Maximum Benefit Amount, for the non-refundable, unused portion of the prepaid expenses for land or water Travel Arrangements and the Additional Transportation Cost paid to return home or rejoin the Trip, when You are prevented from completing Your Trip due to:

1. Death involving You or Your Traveling Companion or Your or Your Traveling Companion’s Business Partner or Your Family Member;
2. A covered Sickness or Injury involving You, Your Traveling Companion or Business Partner, or Your Family Member which necessitates Medical Treatment at the time of interruption and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents Your continued participation in the Trip; or
3. For the Other Covered Reasons listed below;
provided such circumstances occurred after Your Effective Date.

Other Covered Reasons means:
a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date) served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);
b. Your or Your Traveling Companion’s principal place of residence or destination being rendered uninhabitable by fire, flood, burglary or other natural disaster within 10 days of departure;
c. Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire, flood, burglary or other natural disaster and You and/or Your Traveling Companion are required to work as a result;
d. a documented theft of passports or visas;
e. a permanent transfer of employment of 250 miles or more;
f. You or Your Traveling Companion being directly involved in a traffic accident, which must be substantiated by a police report, while en route to Your scheduled point of departure;
g. Unannounced Strike that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
h. Inclement Weather that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
i. mechanical breakdown that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
j. You or Your Traveling Companion is in the Military and called to emergency duty for a national disaster other than war;
k. Involuntary employer termination or layoff affecting You or a person(s) sharing the same room with You during Your Trip. Employment must have been with the same employer for at least 1 continuous year;
l. A Terrorist Incident that occurs in a city listed on the itinerary of Your Trip and within 30 days prior to Your Scheduled Departure Date. Benefits are not provided if the Travel Supplier offers a substitute itinerary;
m. Revocation of Your previously granted leave or re-assignment due to war. Official written revocation/re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;
n. Bankruptcy or Default of an airline, cruise line, tour operator or travel supplier (other than the tour operator or travel agency from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if the policy has been purchased within 15 days of Your initial payment for the Trip and for the full cost of the Trip;
o. Your family or friends living abroad with whom You were planning to stay are unable to provide accommodations due to life threatening illness, life threatening injury or death of one of them;
p. You or Your Traveling Companion are required to work during the Trip. A written statement by a company officer and/or the Human Resources department demonstrating revocation of previously approved time off will be required;
q. mandatory evacuation or public official evacuation advisements where there is no mandatory evacuation issued by local government authorities at Your destination due to adverse weather or natural disaster. In order to cancel Your Trip, You must have 4 days or 50% of Your total Trip length or less remaining on Your Trip at the time the mandatory evacuation ends;
r. felonious assault of You or Your Traveling Companion within 10 days of the Scheduled Departure Date;
s. You or Your Traveling Companion are directly involved in the merger of Your employer or the acquisition of Your employer by another company;
t. a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 15 days following Your effective date of coverage for the Trip Cancellation Benefits;
u. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.
Additional Trip Interruption Benefits: If Your Traveling Companion must remain hospitalized, benefits will also be paid for reasonable accommodation and transportation expenses incurred by You to remain with Your Traveling Companion up to $250 per day, limited to 5 days.

If You cannot continue travel due to a covered Injury or Sickness not requiring hospitalization, and You must extend Your Trip due to medically imposed restrictions, as certified by a Legally Qualified Physician, benefits will be paid for additional hotel nights up to $250 per day, limited to 5 days.

If You interrupt Your Trip for a covered reason, We will also reimburse You, up to $500, for the amount of unused, forfeited, non-refundable payments for shore excursions; theater, concert or event tickets or fees; or sightseeing if such arrangements are made during Your Trip and are to be used prior to the Scheduled Return Date of Your Trip.

Trip Interruption: The maximum payable under this benefit is the lesser of a) the Maximum Benefit Amount shown in the Schedule of Benefits; or b) 150% of the total amount of coverage You purchased.

Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for prepaid Travel Arrangements if Your Family Member or Traveling Companion has his/her Trip delayed, canceled or interrupted for a covered reason and You do not cancel.

In the event a cruise/tour supplier makes a change in Your Trip itinerary after Your Scheduled Departure Date, which prevents You from participating in an event/activity prepaid prior to departure and scheduled on Your Trip itinerary, non-refundable prepaid event/activity expenses will be payable up to $250. Benefits will not be paid if a comparable event/activity of equivalent cost is rescheduled during the course of the Trip.

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

Trip Interruption: Benefits will be paid, up to the Maximum Benefit Amount, for the non-refundable, unused portion of the prepaid expenses for land or water Travel Arrangements and the Additional Transportation Cost paid to return home or rejoin the Trip, when You are prevented from completing Your Trip due to:

1. Death involving You or Your Traveling Companion or Your or Your Traveling Companion’s Business Partner or Your Family Member;
2. A covered Sickness or Injury involving You, Your Traveling Companion or Business Partner, or Your Family Member which necessitates Medical Treatment at the time of interruption and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents Your continued participation in the Trip; or
3. For the Other Covered Reasons listed below; provided such circumstances occurred after Your Effective Date.

Other Covered Reasons means:
a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date) served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);
b. Your or Your Traveling Companion’s principal place of residence or destination being rendered uninhabitable by fire, flood, burglary or other natural disaster within 10 days of departure;
c. Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire, flood, burglary or other natural disaster and You and/or Your Traveling Companion are required to work as a result;
d. a documented theft of passports or visas;
e. a permanent transfer of employment of 250 miles or more;
f. You or Your Traveling Companion being directly involved in a traffic accident, which must be substantiated by a police report, while en route to Your scheduled point of departure;
g. Unannounced Strike that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
h. Inclement Weather that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
i. mechanical breakdown that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
j. You or Your Traveling Companion is in the Military and called to emergency duty for a national disaster other than war;
k. A Terrorist Incident that occurs in a city listed on the itinerary of Your Trip and within 30 days prior to Your Scheduled Departure Date. Benefits are not provided if the Travel Supplier offers a substitute itinerary.

Additional Trip Interruption Benefits: If Your Traveling Companion must remain hospitalized, benefits will also be paid for reasonable accommodation and transportation expenses incurred by You to remain with Your Traveling Companion up to $125 per day, limited to 5 days.

If You cannot continue travel due to a covered Injury or Sickness not requiring hospitalization, and You must extend Your Trip due to medically imposed restrictions, as certified by a Legally Qualified Physician, benefits will be paid for additional hotel nights up to $125 per day, limited to 5 days.

Trip Interruption: The maximum payable under this benefit is the lesser of a) the Maximum Benefit Amount shown in the Schedule of Benefits; or b) the total amount of coverage You purchased.

Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for prepaid Travel Arrangements if Your Family Member or Your Traveling Companion has his/her Trip delayed, canceled or interrupted for a covered reason and You do not cancel.

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

Trip Interruption:

Benefits will be paid, up to the Maximum Benefit Amount, for the non-refundable, unused portion of the prepaid expenses for land or water Travel Arrangements and the Additional Transportation Cost paid to return home or rejoin the Trip, when You are prevented from completing Your Trip due to:

1. Death involving You or Your Traveling Companion or Your or Your Traveling Companion’s Business Partner or Your Family Member;
2. A covered Sickness or Injury involving You, Your Traveling Companion or Business Partner, or Your Family Member which necessitates Medical Treatment at the time of interruption and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents Your continued participation in the Trip; or
3. For the Other Covered Reasons listed below;
provided such circumstances occurred after Your Effective Date.

Other Covered Reasons means:
a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date) served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);
b. Your or Your Traveling Companion’s principal place of residence or destination being rendered uninhabitable by fire, flood, burglary or other natural disaster within 10 days of departure;
c. Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire, flood, burglary or other natural disaster and You and/or Your Traveling Companion are required to work as a result;
d. a documented theft of passports or visas;
e. a permanent transfer of employment of 250 miles or more;
f. You or Your Traveling Companion being directly involved in a traffic accident, which must be substantiated by a police report, while en route to Your scheduled point of departure;
g. Unannounced Strike that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
h. Inclement Weather that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
i. mechanical breakdown that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
j. You or Your Traveling Companion is in the Military and called to emergency duty for a national disaster other than war;
k. Involuntary employer termination or layoff affecting You or a person(s) sharing the same room with You during Your Trip. Employment must have been with the same employer for at least 1 continuous year;
l. A Terrorist Incident that occurs in a city listed on the itinerary of Your Trip and within 30 days prior to Your Scheduled Departure Date. Benefits are not provided if the Travel Supplier offers a substitute itinerary;
m. Revocation of Your previously granted leave or reassignment due to war. Official written revocation/ re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;
n. Bankruptcy or Default of an airline, cruise line, tour operator or travel supplier (other than the tour operator or travel agency from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if the policy has been purchased within 15 days of Your initial payment for the Trip and for the full cost of the Trip;
o. Your family or friends living abroad with whom You were planning to stay are unable to provide accommodations due to life threatening illness, life threatening injury or death of one of them;
p. You or Your Traveling Companion are required to work during the Trip. A written statement by a company officer and/or the Human Resources department demonstrating revocation of previously approved time off will be required;
q. mandatory evacuation or public official evacuation advisements where there is no mandatory evacuation issued by local government authorities at Your destination due to adverse weather or natural disaster. In order to cancel Your Trip, You must have 4 days or 50% of Your total Trip length or less remaining on Your Trip at the time the mandatory evacuation ends;
r. felonious assault of You or Your Traveling Companion within 10 days of the Scheduled Departure Date;
s. You or Your Traveling Companion are directly involved in the merger of Your employer or the acquisition of Your employer by another company;
t. a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 15 days following Your effective date of coverage for the Trip Cancellation Benefits;
u. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.

Additional Trip Interruption Benefits: If Your Traveling Companion must remain hospitalized, benefits will also be paid for reasonable accommodation and transportation expenses incurred by You to remain with Your Traveling Companion up to $200 per day, limited to 5 days.

If You cannot continue travel due to a covered Injury or Sickness not requiring hospitalization, and You must extend Your Trip due to medically imposed restrictions, as certified by a Legally Qualified Physician, benefits will be paid for additional hotel nights up to $200 per day, limited to 5 days.

Trip Interruption: The maximum payable under this benefit is the lesser of a) the Maximum Benefit Amount shown in the Schedule of Benefits; or b) 150% of the total amount of coverage You purchased.

Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for prepaid Travel Arrangements if Your Family Member or Traveling Companion has his/her Trip delayed, canceled or interrupted for a covered reason and You do not cancel.

In the event a cruise/tour supplier makes a change in Your Trip itinerary after Your Scheduled Departure Date, which prevents You from participating in an event/activity prepaid prior to departure and scheduled on Your Trip itinerary, non-refundable prepaid event/activity expenses will be payable up to $250. Benefits will not be paid if a comparable event/activity of equivalent cost is rescheduled during the course of the Trip. These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.

TRIP CANCELLATION & TRIP INTERRUPTION

The Company will pay a benefit, up to the maximum shown on the Confirmation of Coverage, if You are prevented from taking or unable to continue Your Covered Trip due to: (a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date. (b) You or a Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of felonious assault within ten (10) days of departure; or having his/her principal place of residence made uninhabitable by fire, flood or other natural disaster; or burglary of his/her principal place of residence within ten (10) days of departure. (c) You or a Traveling Companion being directly involved in a traffic accident substantiated by a police report, while en route to departure. (d) A transfer of You by the employer with whom You are employed on the Effective Date that requires Your principal residence to be relocated. (e) The death or hospitalization of Your Host at Destination. (f) Strike that causes complete cessation of services for at least twenty-four (24) consecutive hours. (g) You are terminated, or laid off from employment subject to three (3) years of continuous employment at the place of employment where terminated. (h) Bankruptcy and/or Default of Your Travel Supplier which occurs more than fourteen (14) days following Your Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased the Land/Sea Arrangements. Your Scheduled Departure Date must be no more than twenty-four (24) months beyond Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. (i) Weather that causes complete cessation of services of Your Common Carrier for at least twenty-four (24) consecutive hours. (j) A cancellation of Your Covered Trip if Your arrival on the Covered Trip is delayed and causes You to lose 50% or more of the scheduled Covered Trip duration due to a defined Hazard (Trip Cancellation Only). (k) A Terrorist Incident that occurs in a city listed on Your Covered Trip itinerary and within thirty (30) days prior to Your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the ninety (90) days prior to the Terrorist Incident that is causing the cancellation of Your Covered Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. Your Scheduled Departure Date must be no more than twenty-four (24) months beyond Your Effective Date. This benefit only applies if the plan has been purchased within twenty-one (21) days of Your initial payment for the Covered Trip and for the full cost of the Covered Trip. (l) Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty for a natural disaster other than war. (m) Natural disaster at the site of Your destination that renders the destination accommodations uninhabitable.

TRIP INTERRUPTION
The Company will pay for the following:

(a) Unused, non-refundable land or sea expenses prepaid to the Travel Suppliers; (b) The airfare paid less the value of applied credit from an unused travel ticket to return home, join or rejoin the original Land/Sea Arrangements limited to the cost of one-way economy airfare or similar quality as the originally issued ticket by scheduled carrier.

SPECIAL CONDITIONS: You must advise the Travel Supplier and the Company as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Travel Supplier as soon as reasonably possible.

SINGLE OCCUPANCY COVERAGE
The Company will reimburse You, up to the maximum shown on the Confirmation of Coverage for Trip Cancellation, for the additional cost incurred during the Covered Trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with You has his/her Covered Trip delayed, canceled, or interrupted for a covered reason and You do not cancel.

LIMITATIONS AND EXCLUSIONS
The following exclusions apply to Trip Cancellation & Trip Interruption, Trip Delay, Missed Connection, Emergency Accident & Sickness Medical Expense, Emergency Evacuation & Repatriation of Remains, Accidental Death & Dismemberment and Optional Flight Accidental Death & Dismemberment: Loss caused by or resulting from: 1. Pre-Existing Conditions, as defi ned in the Definitions section (except Emergency Evacuation and Repatriation of Remains) unless the insurance is purchased within twenty-one (21) days of the initial Covered Trip deposit; 2. Suicide, attempted suicide or any intentionally self-inflicted injury while sane or insane (in Missouri, sane only) unless results in the death of a non-traveling immediate Family Member; 3. War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war; 4. Participation in any military maneuver or training exercise; 5. Piloting or learning to pilot or acting as a member of the crew of any aircraft; 6. Mental or emotional disorders, unless hospitalized; 7. Participation as a professional in athletics; 8. Participation in underwater activities (does not include recreational swimming); 9. Being under the influence of drugs or intoxicants, unless prescribed by a Physician or unless results in the death of a non-traveling immediate Family Member; 10. Commission or the attempt to commit a criminal act; 11. Participating in bodily contact sports; skydiving; hang-gliding; parachuting; mountaineering; any race; bungee cord jumping; and speed contest (speed contest shall not include any of the regatta races); scuba diving (unless accompanied by a dive master and not deeper than 50 feet); spelunking or caving; heliskiing or extreme skiing. Exclusion does not apply to Trip Cancellation. Bodily contact sports means any sport where the objective is to physically render an opponent unable to continue with the competition such as boxing and full contact karate; 12. Dental treatment except as a result of an injury to sound natural teeth limited to $750; 13. Any non-emergency treatment or surgery, routine physical examinations, hearing aids, eyeglasses or contact lenses; 14. Pregnancy and childbirth (except for complications of pregnancy) except if hospitalized; 15. Traveling for the purpose of securing medical treatment; 16. Services not shown as covered; 17. Directly or indirectly, the actual, alleged or threatened discharge, dispersal, seepage, migration, escape, release or exposure to any hazardous biological, chemical, nuclear radioactive material, gas, matter or contamination; 18. Care or treatment that is not medically necessary; 19. Injury or Sickness when traveling against the advice of a Physician; 20. Cosmetic surgery except for: reconstructive surgery incidental to or following surgery for trauma, or infection or other covered disease of the part of the body reconstructed, or to treat a congenital malformation of a child.

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

1) any unused non-refundable prepaid expenses for Travel Arrangements;
2) any Published Penalties You incur as a result of a trip cancellation;
3) one way Economy Transportation, less the value of any unused return travel ticket, to return to the Point of Origin or to continue on Your Covered Trip when an interruption in Your Covered Trip occurs;
4) accommodations and transportation expenses for up to $150/day for 10 additional days when: a) Your Traveling Companion is hospitalized or an Injury or Sickness to You not requiring hospitalization prevents You from continuing travel; and
b) You must extend Your Covered Trip with additional hotel nights due to medically imposed restriction by a Physician; or
5) up to $150 for any reissue fee charged by the airline for Your airfare if Your Travel Supplier cancels Your Covered Trip or repositions the cruise ship or departure location. You must have covered the entire cost of the Covered Trip including the airfare.

Trip Cancellation must result from an unforeseen event that occurs after Your Effective Date and before Your Scheduled Departure Date. Trip Interruption must result from an unforeseen event that occurs after Your Scheduled Departure Date.

SINGLE SUPPLEMENT UPGRADE

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

UNFORESEEN EVENTS

As used in this provision, unforeseen events are as follows:
1) Any serious Injury or any serious Sickness occurring to:
a) You, which results in medically imposed travel restrictions as certified by a Physician at the time of loss;
b) Your Business Partner or a Traveling Companion, which is so disabling as to cause a reasonable person to delay, cancel, or interrupt his/her trip;
c) Your or Your Traveling Companion’s Family Member that is considered life threatening or requiring hospitalization; or
d) Your or Your Traveling Companion’s Family Member requiring Your or Your Traveling Companion’s immediate care.
2) Your death, the death of Your Family Member, Business Partner or Your Traveling Companion or Your Traveling Companion’s Family Member.
3) Death, hospitalization, or quarantine of Your Host at Destination.
4) Bankruptcy or Default of a Travel Supplier, other than the travel agency or organization from whom You purchased the Travel Arrangements. Benefits are provided only for the expenses charged by the Travel Supplier whose Bankruptcy or Default results in loss covered by the Policy and which stops service:
a) more than 14 days following Your Policy Effective Date for Trip Cancellation; or
b) after Your Scheduled Departure Date for Trip Interruption;
provided You purchased this insurance within 21 days from the date You paid the initial deposit on Your Covered Trip. No coverage is provided for the total cessation or complete suspension of operations by a Travel Supplier caused by fraud or negligent misrepresentation by such Travel Supplier.
5) A Terrorist Incident in Your city of departure or Destination occurring after Your Effective Date, if You are scheduled to arrive in or depart from that city within 30 days following the Terrorist Incident.
6) Your arrival at Your Destination is delayed and causes You to lose 50% or more of the scheduled Covered Trip duration due to any the unforeseen events covered under Trip Delay.
7) An Organized Labor Strike that causes complete cessation of travel services delaying the departure of Your Covered Trip for at least 24 consecutive hours.
8) Inclement Weather which causes Your Common Carrier to delay the departure of Your Covered Trip for at least 24 hours.
9) A traffic accident directly involving You or Your Traveling Companion, as documented by a police report, while enroute to the Point of Origin.
10) Documented theft of Your or Your Traveling Companion’s passports and/or visas required for the Covered Trip.
11) You or Your Traveling Companion are transferred by the employer with whom You or Your Traveling Companion are employed as a full-time active employee at the time You enrolled for this insurance. Such transfer must result in You or Your Traveling Companion having to relocate 250 miles or more from Your or Your Traveling Companion’s original Primary Residence.
12) You or Your Traveling Companion being called to the emergency service of the government in response to a Natural Disaster.
13) Involuntary termination or layoff affecting You or Your Traveling Companion. Employment must have been on an active full-time basis and with the same employer for at least 3 continuous years immediately preceding the termination or layoff.
14) Your or Your Traveling Companion’s place of business being made unsuitable for the transaction of business by fire, vandalism, burglary or Natural Disaster.
15) Your or Your Traveling Companion’s Primary Residence or Destination accommodations being made uninhabitable during Your Covered Trip by fire, vandalism, burglary or Natural Disaster.
16) Burglary of Your or Your Traveling Companion’s residence within 10 days of Your Scheduled Departure Date or during Your Covered Trip.
17) Injuries sustained during a felonious assault committed against You or Your Traveling Companion which occurs within 10 days of Your Scheduled Departure Date or during Your Covered Trip.
18) You or Your Traveling Companion are hijacked, quarantined, called for jury duty, or called for a court ordered appearance as a witness (except law enforcement officers) in a trial in which You or Your Traveling Companion are not a party.

The Company will pay a benefit, up to the maximum shown on the Confirmation of Coverage, if You are unable to continue on Your Trip due to:

(a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member or Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your continued participation in the Trip.

(b) You or a Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of felonious assault within 10 days of departure; or having his/her principal place of residence made uninhabitable by fire, flood or other natural disaster; or burglary of his/her principal place of residence within 10 days of departure.

(c) You or a Traveling Companion being directly involved in a traffic accident substantiated by a police report, while en route to departure.

(d) a transfer of You by the employer with whom You are employed on their Effective Date which requires his/her principal residence to be relocated.

(e) the death, or hospitalization of Your Host at Destination.

(f) A Terrorist Incident that occurs in a city listed on Your Trip itinerary and within 30 days prior to your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the 90 days prior to the Terrorist Incident that is causing the cancellation of Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. Your Scheduled Departure Date must be no more than 15 months beyond Your Effective Date.

(g) Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty for a natural disaster other than war.

(h) Strike that causes complete cessation of services for at least 48 consecutive hours.

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

(j) Bankruptcy and/or Default of the Travel Supplier which occurs more than 10 days following Your Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased their Land/Sea Arrangements. Your Scheduled Departure Date must be no more than 15 months beyond the Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination.

(k) You are terminated, or laid off from employment subject to five years of continuous employment at the place of employment where terminated.

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

The Company will pay for the following:

a) unused, non-refundable land or sea expenses prepaid to the Travel Suppliers;
b) the airfare paid less the value of applied credit from an unused return travel ticket, to return home or rejoin the original Land/Sea Arrangements (limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets.

The Company will pay for reasonable additional accommodation and transportation expenses incurred by You (up to $100 a day) if a Traveling Companion must remain hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying that You cannot fly home due to an Accident or a Sickness but does not require hospitalization.

In no event shall the amount reimbursed exceed the amount You prepaid for the Trip.

Trip Interruption Benefits: The Insurer will reimburse the Insured for this benefit up to the Maximum Limit shown on the Schedule of Benefits for Trips that have been interrupted or delayed due to the unforeseen circumstances listed at the beginning of this section. The Insurer will reimburse for the following:

(a) forfeited, non-refundable, unused prepaid payments made prior to the Insured?s Contracted Departure Date;
(b) the Insured?s 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 the Insured?s Trip is continued;
(c) additional transportation expenses incurred by the Insured, either (i) to the Return Destination; or (ii) from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or
(d) additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed, and leaves after the Contracted Departure Date; or
(e) additional transportation expenses incurred by the Insured to join or rejoin the Trip if the Insured?s Common Carrier?s departure is delayed by a mechanical breakdown.

However, the benefit payable under (c) and (d), above will not exceed the cost of economy airfare (or first class if the Insured?s original tickets were first class) by the most direct route, less any refunds paid or payable.

Post-Departure 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, a 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 Policy;
b) for item 2 above, commence while you are on your Covered 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, 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. the additional transportation expenses by the most direct route from the point you interrupted your Covered Trip:
a. to the next scheduled destination where you can catch up to your Covered Trip; or
b. 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.

TRIP INTERRUPTION

Return Air Only up to $500 if $0 limit displayed on Your Confirmation of Benefits.

The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are unable to continue Your Trip due to the Unforeseen events listed under TRIP CANCELLATION:

The Company will pay for the following:
a) Unused, non-refundable travel arrangements prepaid to the Travel Suppliers.
b) Up to the maximum shown in the accompanying Confirmation of Benefits for the airfare paid, less the value of applied credit from an unused return travel ticket to return You to the return destination of the Trip as specified in the original travel documents from the point where You interrupted the Trip or rejoin the Trip from the point where You interrupted the Trip. (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket).
c) If You purchased the Optional Sports Coverage; and Your Trip is interrupted due to a covered reason, coverage is provided for the costs of unused non-refundable deposits and payments that were arranged separately from the vacation for pre-paid lift tickets, green fees, equipment rentals and lessons up to a maximum of $1,000 per Insured.

In no event shall the amount reimbursed exceed the lesser of the amount You prepaid for the Trip or the maximum benefit shown on Your Confirmation of Benefits.

TRIP INTERRUPTION

Return Air Only up to $500 if $0 limit displayed on Your Confirmation of Benefits

The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are unable to continue Your Trip due to the Unforeseen events listed under TRIP CANCELLATION.

The Company will pay for the following:
a) Unused, non-refundable travel arrangements prepaid to the Travel Suppliers.
b) Up to the maximum shown in the accompanying Confirmation of Benefits for the airfare paid, less the value of applied credit from an unused return travel ticket to return You to the return destination of the Trip as specified in the original travel documents from the point where You interrupted the Trip or rejoin the Trip from the point where You interrupted the Trip. (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket).
c) If You purchased the Optional Sports Coverage; and Your Trip is interrupted due to a covered reason, coverage is provided for the costs of unused non-refundable deposits and payments that were arranged separately from the vacation for pre-paid lift tickets, green fees, equipment rentals and lessons up to a maximum of $1,000 per Insured.

The Company will pay for reasonable additional meals, lodging, and transportation expenses incurred by You up to $200 a day if Your 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 TRIP CANCELLATION.

In no event shall the amount reimbursed exceed the lesser of the amount You prepaid for the Trip or the maximum benefit shown on Your Confirmation of Benefits.

Trip Interruption:
Unused, non-refundable or 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.

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 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.
e) Bankruptcy or Default of Your Travel Supplier, which occurs more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination.
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.
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.

This Benefit is not available within this plan

This Benefit is not available within this plan

This Benefit is not available within this plan