What is Cancel For Any Reason?

Cancel For Any Reason is an optional upgrade that provides partial reimbursement for prepaid and non-refundable trip payments if a trip is canceled for a reason not otherwise covered by a policy.

Cancel For Any Reason is a time-sensitive upgrade. Most policies with Cancel For Any Reason can only be purchased within 14 – 21 days of the first payment towards the trip. However, select cruise only policies offer Cancel For Any Reason anytime before a traveler has made their final trip payment. This benefit requires travelers to insure their entire trip cost, and will typically increase a policy’s premium by roughly 40%.

To be covered under the Cancel For Any Reason benefit, a traveler must cancel their trip in its entirety at least 2-3 days before their scheduled departure date. Depending on the policy, this benefit reimburses 50% or 75% of the trip cost, and requires the traveler to insure 100% of their prepaid and non-refundable trip costs.

Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Cancel For Any Reason coverage.

Looking for a policy with Cancel For Any Reason coverage?

Enter your trip information on our custom search form. Once you receive your results, select the Cancel For Any Reason filter to find the best policy for your trip with the coverage that you need.

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April Travel Protection
April Travel Protection
Policy Name and Summary of Coverage
1

Trip Cancellation Plan

Optional coverage
This benefit is separate from Trip Cancellation

TRIP CANCELLATION FOR ANY REASON BENEFIT

If you purchased this optional coverage, we will reimburse you up to the amount in the Schedule, for the prepaid, forfeited, non-refundable Payments for your Trip, if you and all other Insured traveling with you cancel the Trip for any reason, provided:

1. your payment for this coverage is received within 24 hours of the date your initial deposit for your Trip is received; and
2. you are not disabled from travel at the time you pay your premium; and
3. you have insured 100% of all arrangements, that are subject to cancellation penalties or restrictions; and
4. the Trip cost per person is no more than $10,000; and
5. you cancel your Trip 48 hours or more Prior to your Scheduled Departure Date.

Limitations

Please be advised this benefit is not available unless all Insured under your coverage cancel the Trip.

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2

Choice

Optional coverage
This benefit is separate from Trip Cancellation

TRIP CANCELLATION FOR ANY REASON BENEFIT

If you purchased this optional coverage, we will reimburse you up to the amount in the Schedule, for the prepaid, forfeited, non-refundable Payments for your Trip, if you and all other Insured traveling with you cancel the Trip for any reason, provided:

1. your payment for this coverage is received within 24 hours of the date your initial deposit for your Trip is received; and
2. you are not disabled from travel at the time you pay your premium; and
3. you have insured 100% of all arrangements, that are subject to cancellation penalties or restrictions; and
4. the Trip cost per person is no more than $10,000; and
5. you cancel your Trip 48 hours or more Prior to your Scheduled Departure Date.

Limitations

Please be advised this benefit is not available unless all Insured under your coverage cancel the Trip.

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3

Choice

Optional coverage
This benefit is separate from Trip Cancellation

TRIP CANCELLATION FOR ANY REASON BENEFIT

If you purchased this optional coverage, we will reimburse you up to the amount in the Schedule, for the prepaid, forfeited, non‐refundable Payments for your Trip, if you and all other Insured traveling with you cancel the Trip for any reason, provided:

1. your payment for this coverage is received within 24 hours of the date your initial deposit for your Trip is received; and
2. you are not disabled from travel at the time you pay your premium; and
3. you have insured 100% of all arrangements, that are subject to cancellation penalties or restrictions; and
4. the Trip cost per person is no more than $10,000; and
5. you cancel your Trip 48 hours or more Prior to your Scheduled Departure Date.

Limitations

Please be advised this benefit is not available unless all Insured under your coverage cancel the Trip.

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4

Annual Plan

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

5

Pandemic Plus

Optional coverage
This benefit is separate from Trip Cancellation

TRIP CANCELLATION FOR ANY REASON

This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits.

If You are prevented from taking the Covered Trip for any reason, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

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Arch RoamRight
Arch RoamRight
Policy Name and Summary of Coverage
6

Essential

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

7

Preferred

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

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AXA Assistance USA
AXA Assistance USA
Policy Name and Summary of Coverage
8

Platinum

Optional coverage
This benefit is separate from Trip Cancellation

TRIP CANCELLATION FOR ANY REASONOPTIONAL UPGRADE

If You cancel Your Trip for any reason not otherwise covered by this Certificate, the Company will reimburse You for the percentage of the prepaid, forfeited, non-refundable Payments or Deposits You paid for Your Trip shown on the Confirmation of Coverage provided:

a) Your premium payment is received within fourteen (14) days of the date Your initial deposit/payment for Your Trip is received; and

b) You insure all prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within fourteen (14) days of the payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added to Your Trip; and

c) You cancel Your Trip two (2) days or more before Your Scheduled Departure Date.

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battleface
battleface
Policy Name and Summary of Coverage
9

Travel Medical Single Trip

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection
Policy Name and Summary of Coverage
10

ExactCare

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

11

LuxuryCare

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

12

ExactCare Lite

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

Cat 70
Cat 70
Policy Name and Summary of Coverage
13

Travel Plan

Optional coverage
This benefit is separate from Trip Cancellation

TRIP CANCELLATION FOR ANY REASON

This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits.

If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

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Generali Global Assistance
Generali Global Assistance
Policy Name and Summary of Coverage
14

Standard

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

15

Preferred

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

16

Premium

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

HTH Travel Insurance
HTH Travel Insurance
Policy Name and Summary of Coverage
17

TravelGap Voyager excl US

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

18

TripProtector Preferred

Optional coverage
This benefit is separate from Trip Cancellation

TRIP CANCELLATION FOR ANY REASONOPTIONAL COVERAGE

If You cancel Your Trip for any reason not otherwise covered by this Certificate, the Company will reimburse You for the percentage of the prepaid, forfeited, non-refundable Payments or Deposits You paid for Your Trip shown on the accompanying Confirmation of Coverage provided:

a) Your premium payment is received within ten (10) days of the date Your initial deposit/payment for Your Trip is received; and

b) You insure all prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within fifteen (15) days of the payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added to Your Trip; and

c) You cancel Your Trip two (2) days or more before Your Scheduled Departure Date.

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19

TravelGap Excursion excl US

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

iTravelInsured
iTravelInsured
Policy Name and Summary of Coverage
20

Travel Lite

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

21

Travel SE

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

22

Travel LX

Covered for 75% of trip cost if purchased within 20 days of trip deposit

CANCEL FOR ANY REASON

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:

1. You cancel Your Trip no later than two (2) days prior to the Scheduled Departure Date of Your Trip.

You can only purchase this benefit at the time the base policy is purchased and within twenty (20) days of the initial trip deposit.

This Cancel for Any Reason Benefit does not cover the failure of the Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.

Special Conditions: In the event of a Cancel for Any Reason claim, You must advise the Travel Supplier and Us as soon as possible in the event of a claim or of learning of a potential need to cancel Your Trip prior to Your Scheduled Departure Date, whichever is sooner.

We will not pay benefits for any additional penalty charges incurred that would not have been imposed had You notified the Travel Supplier and Us within the specified period.

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

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23

Travel LX Basic

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

John Hancock Insurance Agency, Inc.
John Hancock Insurance Agency, Inc.
Policy Name and Summary of Coverage
24

Bronze

Optional coverage
This benefit is separate from Trip Cancellation

TRIP CANCELLATION FOR ANY REASON

This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits.

If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

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25

Silver

Optional coverage
This benefit is separate from Trip Cancellation

TRIP CANCELLATION FOR ANY REASON

This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits.

If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

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26

Gold

Optional coverage
This benefit is separate from Trip Cancellation

TRIP CANCELLATION FOR ANY REASON

This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits.

If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

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Nationwide Mutual Insurance Company
Nationwide Mutual Insurance Company
Policy Name and Summary of Coverage
27

Prime

Optional coverage
This benefit is separate from Trip Cancellation

TRIP CANCELLATION FOR ANY REASONOPTIONAL UPGRADE

If You cancel Your Trip for any reason not otherwise covered by this Certificate, the Company will reimburse You for the percentage of the prepaid, forfeited, non-refundable Payments or Deposits You paid for Your Trip shown on the Confirmation of Coverage provided:

a) Your premium payment is received within twenty-one (21) days of the date Your initial deposit/payment for Your Trip is received; and

b) You insure all prepaid Trip costs that are subject to cancellation penalties or restrictions and also insures within twenty-one (21) days of the payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added to Your Trip; and

c) You cancel Your Trip two (2) days or more before Your Scheduled Departure Date.

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28

Cruise Universal

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

29

Cruise Choice

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

Read Hide Full Policy Wording
30

Cruise Luxury

Optional coverage
This benefit is separate from Trip Cancellation

TRIP CANCELLATION FOR ANY REASONOPTIONAL UPGRADE

If You cancel Your Trip for any reason not otherwise covered by this Certificate, the Company will reimburse You for the percentage of the prepaid, forfeited, non-refundable Payments or Deposits You paid for Your Trip shown on the Confirmation of Coverage provided:

a) Your premium payment is received prior to or on the date Your final deposit/payment for Your Cruise is received; and

b) You insure all Trip costs (including those that are subject to cancellation penalties or restrictions) and also insure prior to Your final Cruise payment the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and

c) You cancel Your Trip two (2) days or more before Your Scheduled Departure Date.

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Seven Corners Inc
Seven Corners Inc
Policy Name and Summary of Coverage
31

RoundTrip Choice

Optional coverage
This benefit is separate from Trip Cancellation

OPTIONAL CANCEL FOR ANY REASON

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to Your Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:

1. You purchase the Cancel for Any Reason Benefit within the Time Sensitive Period; and

2. You insure the full cost of any subsequent arrangements added to Your Trip within 15 days of the date of Your payment for any such subsequent Travel Arrangements; and

3. You cancel Your Trip no later than 2 days prior to the Scheduled Departure Date of Your Trip.

This Cancel for Any Reason Benefit does not cover the failure of the Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.

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

Time Sensitive Period means insurance must be purchased within 20 days of the date Your initial Payments or Deposits for Your Trip is received and within 15 days of payment for any subsequent Travel Arrangements added to Your Trip.

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32

RoundTrip Economy

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

33

RoundTrip Elite

Optional coverage
This benefit is separate from Trip Cancellation

OPTIONAL CANCEL FOR ANY REASON BENEFIT

Optional Coverage: Applicable only when purchased within 20 days at the time of original plan purchase and if the appropriate additional premium has been paid.

If You cancel Your Trip for any reason not otherwise covered by this Policy, benefits will be paid for 75% of the Prepaid, forfeited, non-refundable Payments or Deposits You paid for Your Trip provided:

a) Your Payment or Deposit for this Policy and enrollment form are received within 20 days of the date Your initial Payment or Deposit for Your Trip is received;

b) You insure 100% of the Prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 15 days of the Payment or Deposit for those Travel Arrangements the cost of any subsequent Travel Arrangements (or any other Travel Arrangements not made through Your travel agent) added to Your Trip; and

c) You cancel Your Trip two (2) days or more before Your Scheduled Departure Date.

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

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34

Liaison Travel Choice excl US

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

35

Liaison Travel Basic excl US

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

36

Liaison Travel Plus excl US

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

37

RoundTrip Basic

Optional coverage
This benefit is separate from Trip Cancellation

OPTIONAL CANCEL FOR ANY REASON

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to Your Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:

1. You purchase the Cancel for Any Reason Benefit within the Time Sensitive Period; and

2. You insure the full cost of any subsequent arrangements added to Your Trip within 15 days of the date of Your payment for any such subsequent Travel Arrangements; and

3. You cancel Your Trip no later than 2 days prior to the Scheduled Departure Date of Your Trip.

This Cancel for Any Reason Benefit does not cover the failure of the Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.

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

Time Sensitive Period means insurance must be purchased within 20 days of the date Your initial Payments or Deposits for Your Trip is received and within 15 days of payment for any subsequent Travel Arrangements added to Your Trip.

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Tin Leg
Tin Leg
Policy Name and Summary of Coverage
38

Gold

Optional coverage
This benefit is separate from Trip Cancellation

TRIP CANCELLATION FOR ANY REASON

This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits.

If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

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39

Silver

Optional coverage
This benefit is separate from Trip Cancellation

TRIP CANCELLATION FOR ANY REASON

Optional Benefit purchased separately. See confirmation of insurance to confirm additional premium Coverage is provided for this benefit if:

1. Purchased within 15 days of the date the Initial Trip Payment;
2. Purchased at least 60 days prior to Your Scheduled Departure Date; and
3. You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any subsequent Covered Trip arrangement(s).

If You are prevented from taking Your Covered Trip for any reason not otherwise covered under the Policy, We will reimburse You or Your designated representative for 50% of the Unused, Prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), up to the maximum shown on the Schedule of Benefits, provided the following conditions are met:

a. This insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements;
b. You or Your designated representative cancels the Covered Trip no less than 48 hours prior to the Scheduled Departure Date;
c. You are medically able to travel at the time You purchase this Policy;
d. You insure 100% of Your prepaid Payments that are subject to cancellation penalties or restrictions;
e. The Covered Trip is cancelled 48 hours or more prior to Your Scheduled Departure Date; and
f. The booking for Your Covered Trip must be the first and only booking for the travel period and destination.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

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

Worldwide Trip Protector

Optional coverage
This benefit is separate from Trip Cancellation

OPTIONAL CANCEL FOR ANY REASON

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits You paid for Your Trip, when You cancel Your Trip prior to departure for any reason not otherwise covered by this policy, provided the following conditions are met:

1. You purchase the Cancel for Any Reason Benefit within the Time Sensitive Period; and

2. You insure the full cost of any subsequent arrangements added to Your Trip within 21 days of the date of Your payment for any such subsequent Travel Arrangements; and

3. You cancel Your Trip no later than 48 hours prior to the Scheduled Departure Date of Your Trip.

You can only purchase this benefit at the time the base policy is purchased.

This Cancel for Any Reason Benefit does not cover penalties associated with any Travel Arrangements not provided by Retail Travel Supplier or the failure of Retail Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.

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

Time Sensitive Period means insurance must be purchased within 21 days of the date Your initial Payments or Deposits for Your Trip is received.

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Travelex Insurance Services
Travelex Insurance Services
Policy Name and Summary of Coverage
41

Flight Insure

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

42

Flight Insure Plus

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

TravelSafe
TravelSafe
Policy Name and Summary of Coverage
43

Basic

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

44

Classic

Optional coverage
This benefit is separate from Trip Cancellation

OPTIONAL: CANCEL FOR ANY REASON BENEFIT

Optional Coverage: Applicable only when purchased if the appropriate additional premium has been paid.

If You cancel Your Trip for any reason not otherwise covered by this Policy, benefits will be paid for 75% of the Prepaid, forfeited, non-refundable Payments or Deposits You paid for Your Trip provided:

a) Your Payment or Deposit for this Policy and enrollment form are received within 21 days of the date Your initial Payment or Deposit for Your Trip is received; and

b) You cancel Your Trip two (2) days or more before Your Scheduled Departure Date.

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

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45

Classic Plus

Covered for 75% of trip cost if purchased within 21 days of trip deposit

CANCEL FOR ANY REASON BENEFIT

If You cancel Your Trip for any reason not otherwise covered by this Policy, benefits will be paid for 75% of the Prepaid, forfeited, non-refundable Payments or Deposits You paid for Your Trip provided:

a) Your Payment or Deposit for this Policy and enrollment form are received within 21 days of the date Your initial Payment or Deposit for Your Trip is received; and

b) You insure 100% of the Prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 21 days of the Payment or Deposit for those Travel Arrangements the cost of any subsequent Travel Arrangements (or any other Travel Arrangements not made through Your travel agent) added to Your Trip; and

c) You cancel Your Trip two (2) days or more before Your Scheduled Departure Date.

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

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Trawick International
Trawick International
Policy Name and Summary of Coverage
46

Safe Travels USA Comprehensive

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

47

Safe Travels Single Trip

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

48

Safe Travels First Class

Optional coverage
This benefit is separate from Trip Cancellation

OPTIONAL TRIP CANCELLATION FOR ANY REASON

If You purchase this optional benefit, the following coverage is available to You. If You cancel Your Trip for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the pre-paid, forfeited, nonrefundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided:

a) Your premium is received within the Time Sensitive Period; and

b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure within fourteen (14) days of the payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and

c) You cancel Your entire Trip two (2) days or more before Your Scheduled Departure Date.

Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip.

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49

Safe Travels Outbound excl US

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

50

Safe Travels Outbound Cost Saver excl US

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

51

Safe Travels Annual Executive

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

52

Safe Travels Annual Deluxe

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

53

Safe Travels Annual Basic

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

54

Safe Travels Explorer

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

55

Safe Travels Journey

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

56

Safe Travels Voyager

Optional coverage
This benefit is separate from Trip Cancellation

OPTIONAL TRIP CANCELLATION FOR ANY REASON

If You purchase this optional benefit, the following coverage is available to You. If You cancel Your Trip for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the pre-paid, forfeited, nonrefundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided:

a) Your premium is received within the Time Sensitive Period; and

b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure within fifteen (15) days of the payment for those arrangements, the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and

c) You cancel Your entire Trip two (2) days or more before Your Scheduled Departure Date.

Time Sensitive Period means within twenty-one (21) days of the Initial Deposit Date and within twenty-one (21) days of payment for any subsequent Travel Arrangements added to Your Trip.

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57

Safe Travels Explorer Plus

No coverage
This benefit is separate from Trip Cancellation

There is no Cancel For Any Reason coverage with this plan.

USI Affinity Travel Insurance Services
USI Affinity Travel Insurance Services
Policy Name and Summary of Coverage
58

Ruby

Optional coverage
This benefit is separate from Trip Cancellation

TRIP CANCELLATION FOR ANY REASON

This coverage is Optional and must be purchased for an additional premium.

If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

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59

Diamond

Optional coverage
This benefit is separate from Trip Cancellation

TRIP CANCELLATION FOR ANY REASON
This coverage is Optional and must be purchased for an additional premium

If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

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