What is Cancel For Any Reason travel insurance?

Cancel For Any Reason, commonly referred to as CFAR, is an optional travel insurance add-on that offers increased flexibility to travel plans. With this coverage, you can receive partial reimbursement for prepaid and non-refundable trip payments if a trip is canceled for a reason not otherwise covered by a policy.

Depending on the policy, CFAR coverage can reimburse 50% or 75% of your total insured trip cost. Many travelers turn to CFAR when a typical Trip Cancellation policy won’t cover their cancellation concerns.

It’s important to note that Cancel For Any Reason is a time-sensitive upgrade. Most CFAR policies can only be purchased within 14–21 days of your initial trip payment. For many travelers, their initial trip payment will likely be airfare or a hotel reservation.

Need help choosing the right provider for your trip? Read the trip insurance reviews from real and verified travelers.

Trip Cancellation vs Cancel for Any Reason Travel Insurance

Trip Cancellation is a popular comprehensive travel insurance benefit that can reimburse up to 100% of prepaid trip expenses if you cancel your trip for a covered reason. Like trip delay and medical coverage, Trip Cancellation is often included in comprehensive travel protection plans as a standard benefit.

The most commonly covered cancellation reasons with Trip Cancellation include unforeseen illnesses or injuries, death of a family member, inclement weather, terrorism, and natural disasters. Exclusions limit what is covered by Trip Cancellation insurance.

Cancel For Any Reason, on the other hand, is an optional add-on designed to supplement existing travel insurance coverage and provide travelers with further cancellation coverage. Additional costs are often involved in adding CFAR to a policy.

If you want to learn more about the difference between Trip Cancellation travel insurance and Cancel for Any Reason travel insurance, we have a more in-depth explanation here.

What Does Cancel For Any Reason Insurance Cover?

Cancel For Any Reason allows you to cancel a trip for any reason that’s not already covered by your policy’s Trip Cancellation benefit. In the past, travelers have used CFAR to cancel their trips for a wide-range of reasons.

Travelers cancel trips using CFAR for a wide-range of reasons, such as:

  • Fear of Travel: No longer wanting to take trip out of fear of contracting an illness while traveling, such as the Covid-19 pandemic.
  • Bad Weather: Cancelling a trip because the weather forecast is not optimal for your travel arrangements.
  • Conflicting Plans: Changing your mind because other plans take priority over your trip.
  • Travel Companion Trouble: Abandoning your plans because your travel companion can no longer attend the trip.
  • Passport Trouble: Cancelling a trip because your passport didn’t arrive in time.

What Are the Limitations of Cancel For Any Reason Travel Insurance?

Cancel For Any Reason has specific parameters that need to be met for a person to qualify for this coverage, including the following:

  • Trips must be fully insured. Travelers must insure 100% of their prepaid and non-refundable trip costs. This includes all travel-related trip expenses such as flights, hotels, rental cars, and tours, among others.
  • Trips cannot be cancelled last minute. Travelers must cancel their trip in its entirety at least 2-3 days before your scheduled departure date to be eligible for reimbursement.
  • CFAR is time-sensitive. Travelers must add or purchase a policy with Cancel For Any Reason coverage within a specific time frame, usually 14-21 days of making the initial trip deposit.
  • Travelers aren’t fully reimbursed. Under CFAR, travelers will only be reimbursed up to 75% of their prepaid, non-refundable trip costs, depending on the policy.
  • Not widely available. Not all travel insurance companies offer CFAR coverage.
  • Only covers pre-departure cancellations. CFAR is only available before a traveler leaves for their trip. Travelers looking for coverage in the event they need to return home early while they are traveling should look for a policy with the Trip Interruption benefit.

How Much Does CFAR Travel Insurance Cost?

The average cost of a standard travel insurance plans with Trip Cancellation coverage will run 5-10% of the cost of your trip. Adding the optional Cancel for Any Reason add-on to your plan generally adds 40-50% to the insurance premium. Those that buy travel insurance in 2024 can expect to pay $600-$700 on average for a plan that includes CFAR.

Due to this increase in cost, Squaremouth only recommends Cancel For Any Reason for travelers who have specific concerns that can’t be covered by standard Trip Cancellation.

Is Cancel For Any Reason Travel Insurance Worth It?

Cancel For Any Reason can add additional cancellation coverage to a travel insurance policy and provide peace of mind heading into a trip. If you have hesitations about traveling, or have a policy with less-desirable cancellation coverage limits, CFAR can be a great way to further protect your trip investment.

To judge whether or not CFAR is worth the higher premium, it’s important to consider what is covered by standard Trip Cancellation coverage, as well as your mindset heading into a trip. It may also be helpful to determine what existing trip protection you may have form other sources, such as a credit card or travel supplier.

How Much Reimbursement Will I Receive with Cancel For Any Reason Insurance Coverage?

Unlike Trip Cancellation coverage which provides 100% of the prepaid and non-refundable trip costs, Cancel For Any Reason provides partial reimbursement. The best travel insurance plans with CFAR will reimburse up to 75%.

However, travelers who purchase the Cancel For Any Reason are still covered by standard Trip Cancellation. This means if they are forced to cancel for a covered reason on a standard Trip Cancellation policy, such as unforeseen illness or injury, they can still be reimbursed for 100% of their non-refundable trip costs. If they need to cancel for a reason that is not covered, they may be reimbursed by the Cancel For Any Reason benefit.

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.

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.

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Cancel For Any Reason by Provider

Last Updated: 05/07/2024
Aegis Aegis
Policy Name and Summary of Coverage
1

Go Ready Choice

Optional coverage
This benefit is separate from Trip Cancellation

6. CANCEL FOR ANY REASON BENEFIT

The Insured’s coverage under the Cancel For Any Reason Benefit will take effect as stated in SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE.

If the Insured cancels his/her Covered Trip for any reason not otherwise covered by this Policy, We will reimburse the Insured a Cancel For Any Reason Benefit, for the Payments and Deposits the Insured paid for his/her Covered Trip, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule, provided:

a. the Insured’s premium is received within one day of the initial deposit for his/her Covered Trip;

b. the Insured is not disabled from travel at the time the Insured pays his/her premium;

c. the Insured insures at least 100% of all prepaid Trip Costs that are subject to cancellation penalties or restrictions;

d. the Trip Cost per person is no more than $10,000; and

e. the Insured cancels his/her Covered Trip two days or more before his/her scheduled Covered Trip departure date and time.

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2

Go Ready 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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AXA Assistance USA AXA Assistance USA
Policy Name and Summary of Coverage
3

Platinum

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 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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battleface battleface
Policy Name and Summary of Coverage
4

Discovery Plan

Optional coverage
This benefit is separate from Trip Cancellation

CANCEL FOR ANY REASON.

Coverage is provided for this benefit if purchased within fifteen (15) days of the date the initial trip payment is paid and insures the cost of any subsequent arrangement(s) added to the same covered trip within fifteen (15) days of the date of payments or deposits for any subsequent covered trip arrangement(s). You must cover the entire cost of your covered trip to be eligible for this benefit.

If you are prevented from taking the covered trip for any reason not otherwise covered by this policy, we will reimburse you or your designated representative for seventy-five percent (75%) of the prepaid, forfeited, non-refundable payments or deposits for the covered trip arrangement(s) up to the maximum amount shown in 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 that are subject to cancellation penalties and/or restrictions; and

b. You or your designated representative cancels the covered trip no less than forty-eight (48) hours prior to the scheduled departure date.

Single Occupancy: We will pay you, up to the maximum shown on the schedule of benefits, 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 or her covered trip delayed, canceled, or interrupted for a covered reason and you do not cancel your covered trip.

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Berkshire Hathaway Travel Protection Berkshire Hathaway Travel Protection
Policy Name and Summary of Coverage
5

ExactCare

No coverage
This benefit is separate from Trip Cancellation

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

6

LuxuryCare

Optional coverage
This benefit is separate from Trip Cancellation

CANCEL FOR ANY REASON COVERAGE

Can only be purchased with the base plan and within 15 days of Initial Trip Payment.

If You are prevented from taking the Trip for any reason not otherwise covered by this plan, the Company will reimburse You for up to 50% of the prepaid, Forfeited, non-refundable payments or deposits for insured Trip arrangements up to the Maximum Limit shown for this benefit in the Schedule provided the following conditions are met:

a) You purchase this Cancel for Any Reason Coverage with the base plan and within 15 days of the date of Your Initial Trip Payment or deposit is paid and insures the cost of any subsequent arrangements added to the same Trip within 15 days of the date of payment or deposit for any subsequent Trip arrangements; and

b) this insurance coverage is purchased for the full cost of all nonrefundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and

c) You cancel the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. Any plan cost paid for this Cancel for Any Reason Coverage will be refunded.

SPECIAL NOTIFICATION OF CLAIM

You must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a Trip Cancellation claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the Travel Supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circumstance that prevented timely notification.

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7

LuxuryCare

Optional coverage
This benefit is separate from Trip Cancellation

CANCEL FOR ANY REASON

The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured cancels the Trip for any reason not otherwise covered by this policy provided all of the following conditions are met:

a) The Insured purchased this Cancel for Any Reason Coverage at the same time as the base policy and within the Early Purchase Window;

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions;

c) the cost of any subsequent arrangements added to the same Trip are insured within the number of days listed in the Early Purchase Window of the date of payment or deposit; and

d) the Insured cancels the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. In this event any policy cost paid for thisCancel for Any Reason Coverage will be refunded.

EARLY PURCHASE WINDOW: Within 15 days of Initial Trip Payment.

Maximum traveler Trip Cost of $10,000. MAXIMUM LIMIT: 50% of insured Trip Cost, up to a maximum of $5,000.

SPECIAL NOTIFICATION OF CLAIM

The Insured must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a claim. The Company will not be liable for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, they must provide proof of the circumstance that prevented timely notification.

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8

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
9

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
10

Premium

No coverage

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

HTH Travel Insurance HTH Travel Insurance
Policy Name and Summary of Coverage
11

TripProtector Preferred

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 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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IMG IMG
Policy Name and Summary of Coverage
12

iTravelInsured 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
13

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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14

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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15

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
16

Prime

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 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 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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17

Cruise Luxury

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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Seven Corners Seven Corners
Policy Name and Summary of Coverage
18

Trip Protection 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 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 penalties associated with any Travel Arrangements not provided by the Travel Supplier or 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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19

Trip Protection 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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20

Trip Protection 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 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 penalties associated with any Travel Arrangements not provided by the Travel Supplier or 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
21

Luxury

Optional coverage
This benefit is separate from Trip Cancellation

CANCEL FOR ANY REASON COVERAGE

Can only be purchased with the base plan and within 15 days of Initial Trip Payment.

If You are prevented from taking the Trip for any reason not otherwise covered by this plan, the Company will reimburse You for up to 50% of the prepaid, Forfeited, non-refundable payments or deposits for insured Trip arrangements up to the Maximum Limit shown for this benefit in the Schedule provided the following conditions are met:

a) You purchase this Cancel for Any Reason Coverage with the base plan and within 15 days of the date of Your Initial Trip Payment or deposit is paid and insures the cost of any subsequent arrangements added to the same Trip within 15 days of the date of payment or deposit for any subsequent Trip arrangements; and

b) this insurance coverage is purchased for the full cost of all nonrefundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and

c) You cancel the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. Any plan cost paid for this Cancel for Any Reason Coverage will be refunded.

SPECIAL NOTIFICATION OF CLAIM

You must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a Trip Cancellation claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the Travel Supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circumstance that prevented timely notification.

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22

Luxury

Optional coverage
This benefit is separate from Trip Cancellation

CANCEL FOR ANY REASON

The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured cancels the Trip for any reason not otherwise covered by this policy provided all of the following conditions are met:

a) The Insured purchased this Cancel for Any Reason Coverage at the same time as the base policy and within the Early Purchase Window;

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions;

c) the cost of any subsequent arrangements added to the same Trip are insured within the number of days listed in the Early Purchase Window of the date of payment or deposit; and

d) the Insured cancels the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. In this event any policy cost paid for this Cancel for Any Reason Coverage will be refunded.

SPECIAL NOTIFICATION OF CLAIM
The Insured must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a claim. The Company will not be liable for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, they must provide proof of the circumstance that prevented timely notification.

Early Purchase Window: Within 15 days of Initial Trip Payment

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23

Adventure

Optional coverage
This benefit is separate from Trip Cancellation

CANCEL FOR ANY REASON COVERAGE

Can only be purchased with the base plan and within 15 days of Initial Trip Payment.

If You are prevented from taking the Trip for any reason not otherwise covered by this plan, the Company will reimburse You for up to 50% of the prepaid, Forfeited, non-refundable payments or deposits for insured Trip arrangements up to the Maximum Limit shown for this benefit in the Schedule provided the following conditions are met:

a) You purchase this Cancel for Any Reason Coverage with the base plan and within 15 days of the date of Your Initial Trip Payment or deposit is paid and insures the cost of any subsequent arrangements added to the same Trip within 15 days of the date of payment or deposit for any subsequent Trip arrangements; and

b) this insurance coverage is purchased for the full cost of all nonrefundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and

c) You cancel the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. Any plan cost paid for this Cancel for Any Reason Coverage will be refunded.

SPECIAL NOTIFICATION OF CLAIM

You must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a Trip Cancellation claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the Travel Supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circumstance that prevented timely notification.

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24

Adventure

Optional coverage
This benefit is separate from Trip Cancellation

CANCEL FOR ANY REASON

The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured cancels the Trip for any reason not otherwise covered by this policy provided all of the following conditions are met:

a) The Insured purchased this Cancel for Any Reason Coverage at the same time as the base policy and within the Early Purchase Window;

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions;

c) the cost of any subsequent arrangements added to the same Trip are insured within the number of days listed in the Early Purchase Window of the date of payment or deposit; and

d) the Insured cancels the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. In this event any policy cost paid for this Cancel for Any Reason Coverage will be refunded.

SPECIAL NOTIFICATION OF CLAIM

The Insured must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a claim. The Company will not be liable for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, they must provide proof of the circumstance that prevented timely notification.

EARLY PURCHASE WINDOW: Within 15 days of Initial Trip Payment.

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25

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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26

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
27

Worldwide Trip Protector Plus

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

CANCEL FOR ANY REASON

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 for this Policy and enrollment form are received within 21 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 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 48 hours 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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28

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.

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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29

FlexiTrip

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

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
30

Travel Select

Optional coverage
This benefit is separate from Trip Cancellation

CANCEL FOR ANY REASON COVERAGE

Can only be purchased with the base plan and within 15 days of Initial Trip Payment.

If You are prevented from taking the Trip for any reason not otherwise covered by this plan, the Company will reimburse You for up to 50% of the prepaid, Forfeited, non-refundable payments or deposits for insured Trip arrangements up to the Maximum Limit shown for this benefit in the Schedule provided the following conditions are met:

a) You purchase this Cancel for Any Reason Coverage with the base plan and within 15 days of the date of Your Initial Trip Payment or deposit is paid and insures the cost of any subsequent arrangements added to the
same Trip within 15 days of the date of payment or deposit for any subsequent Trip arrangements; and

b) this insurance coverage is purchased for the full cost of all nonrefundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and

c) You cancel the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. Any plan cost paid for this Cancel for Any
Reason Coverage will be refunded.

SPECIAL NOTIFICATION OF CLAIM

You must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a Trip Cancellation claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the Travel Supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circumstance that prevented timely notification.

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31

Travel Select

Optional coverage
This benefit is separate from Trip Cancellation

CANCEL FOR ANY REASON

The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured cancels the Trip for any reason not otherwise covered by this policy provided all of the following conditions are met:

a) The Insured purchased this Cancel for Any Reason Coverage at the same time as the base policy and within the Early Purchase Window;

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions;

c) the cost of any subsequent arrangements added to the same Trip are insured within the number of days listed in the Early Purchase Window of the date of payment or deposit; and

d) the Insured cancels the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. In this event any policy cost paid for this Cancel for Any Reason Coverage will be refunded.

SPECIAL NOTIFICATION OF CLAIM
The Insured must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a claim. The Company will not be liable for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, they must provide proof of the circumstance that prevented timely notification.

EARLY PURCHASE WINDOW: Within 15 days of Initial Trip Payment.

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32

Flight Insure

No coverage
This benefit is separate from Trip Cancellation

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

33

Flight Insure Plus

No coverage
This benefit is separate from Trip Cancellation

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

Trawick International Trawick International
Policy Name and Summary of Coverage
34

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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35

Safe Travels Journey

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, non- refundable 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 prior to Final Payment; 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.

Final Payment means the last payment made to Your Travel Supplier that satisfies the total cost of the Trip (meaning You now have a zero ($0.00) balance due for all Trip arrangements).

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36

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 prior to Final Payment; and

b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure 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 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.

Final Payment means the last payment made to Your Travel Supplier that satisfies the total cost of the Trip (meaning You now have a zero ($0.00) balance due for all Trip arrangements).

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37

Safe Travels Armor

Optional coverage
This benefit is separate from Trip Cancellation

TRIP CANCELLATION FOR ANY REASON

Optional Coverage purchased separately. See confirmation of insurance to confirm additional premium.

Coverage is provided for this benefit if:

1. Purchased within 14 days of the date the Initial Trip Payment;

2. 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 75% 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 24 hours prior to the Scheduled Departure Date. For change of mind, Covered Trip must be cancelled within 72 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 booked through the company from whom You purchased this Policy
that are subject to cancellation penalties or restrictions;

e) The Covered Trip is cancelled 24 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.

Trip Cancellation for Any Reason includes change of mind.

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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USI Affinity Travel Insurance Services USI Affinity Travel Insurance Services
Policy Name and Summary of Coverage
38

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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39

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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WorldTrips WorldTrips
Policy Name and Summary of Coverage
40

Atlas Journey Preferred

Optional coverage
This benefit is separate from Trip Cancellation

Upgrade – Trip Cancellation for Any Reason

If you purchase this optional upgrade, the following Benefit is added to Your Policy, with a Maximum Benefit Limit shown in Your Schedule of Benefits:

We will reimburse You up to the amount in the Schedule of Benefits for a percentage of the unused, nonrefundable, Pre-paid Payments or Deposits made for Your Travel Arrangements if You cancel the Trip for any reason, provided:

1. Your payment for this Policy benefit is received within the Time Sensitive Period;

2. You have insured one hundred percent (100%) of the value/costs for Travel Arrangements known to you at the time You purchase this benefit;

3. You are able to travel at the time You purchase this benefit;

4. The Trip cost per person is no more than one hundred fifty thousand dollars ($150,000);

5. You cancel Your Trip forty-eight (48) hours or more prior to Your Scheduled Departure Date.

This Trip Cancellation for Any Reason benefit does not cover penalties associated with any air or other Travel Arrangements not provided by the Travel Supplier or failure of the Travel Supplier to provide the bargained-for Travel Arrangements.

Time Sensitive Period means:

For initial Policy purchase:

within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received.

For subsequent arrangements:

within twenty-one (21) days of payment for any subsequent Pre-paid, nonrefundable arrangements added to Your Trip.

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41

Atlas Journey Premier

Optional coverage
This benefit is separate from Trip Cancellation

Upgrade – Trip Cancellation for Any Reason

If you purchase this optional upgrade, the following Benefit is added to Your Policy, with a Maximum Benefit Limit shown in Your Schedule of Benefits:

We will reimburse You up to the amount in the Schedule of Benefits for a percentage of the unused, non-refundable, Pre-paid Payments or Deposits made for Your Travel Arrangements if You cancel the Trip for any reason, provided:

1. Your payment for this Policy benefit is received within the Time Sensitive Period;
2. You have insured one hundred percent (100%) of the value/costs for Travel Arrangements known to you at the time You purchase this benefit;
3. You are able to travel at the time You purchase this benefit;
4. the Trip cost per person is no more than one hundred fifty thousand dollars ($150,000);
5. You cancel Your Trip forty-eight (48) hours or more prior to Your Scheduled Departure Date.

This Trip Cancellation for Any Reason benefit does not cover penalties associated with any air or other Travel Arrangements not provided by the Travel Supplier or failure of the Travel Supplier to provide the bargained-for Travel Arrangements.

Time Sensitive Period means:

For initial Policy purchase:
within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received.

For subsequent arrangements:
within twenty-one (21) days of payment for any subsequent Pre-paid, nonrefundable arrangements added to Your Trip.

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