What is Cancel For Medical Reasons travel insurance?

Cancel For Medical Reasons can reimburse a traveler to cancel their trip due to an unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member.

Cancel For Medical Reasons is included by most policies under the Trip Cancellation and Trip Interruption benefits. It is the most common covered reason for cancelling a trip.

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

Looking for a policy with Cancel For Medical Reasons coverage?

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

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Cancel For Medical Reasons by Provider

Last Updated: 09/20/2022
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Policy Name and Summary of Coverage
1

Multi-Trip

Included in Trip Cancellation and Trip Interruption

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the amount of the unused non-refundable prepaid Payments or Deposits for the Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to departure for a covered Unforeseen reason.

Trip Cancellation must be due to one of the following Unforeseen reasons:

1. Your, a Family Member’s, or a Traveling Companion’s, or a Business Partner’s death or a Traveling Companion’s Family Member’s, that occurs before departure on Your Trip; or

2. Your, a Family Member’s, or a Traveling Companion’s or a Business Partner’s or a Traveling Companion’s Family Member’s covered Sickness or Injury, that: a) occurs before departure on Your Trip; b) requires Medical Treatment at the time of cancellation; and c) as certified by a Physician, results in medical restrictions so disabling as to cause Your Trip to be cancelled; or

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2

Pro

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the amount of the unused Non-Refundable prepaid Payments or Deposits for the Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to departure for a covered Unforeseen reason.

Trip Cancellation must be due to one of the following Unforeseen reasons:

1. Your, a Family Member’s, or a Traveling Companion’s, or a Traveling Companion’s Family Member’s or a Business Partner’s death, that occurs before departure on Your Trip; or

2. Your, a Family Member’s, or a Traveling Companion’s or a Traveling Companion’s Family Member’s or a Business Partner’s covered Sickness or Injury, that: a) occurs before departure on Your Trip; b) requires Medical Treatment at the time of cancellation; and c) as certified by a Physician, results in medical restrictions so disabling as to cause Your Trip to be cancelled; or

3. for Other Covered Events, as defined;

provided any such covered Unforeseen reason occur while coverage is in effect for You.

TRIP INTERRUPTION AND DELAYED ARRIVAL

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, prepaid NonRefundable Payments or Deposits for Your land or water Travel Arrangements, plus the Additional Transportation Cost paid to:

a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel; or

b) rejoin Your Trip from the point where You interrupted Your Trip or transport You to Your originally scheduled return destination;

for a covered Unforeseen reason.

Trip Interruption must be due to one of the following Unforeseen reasons:

1. Your, a Family Member’s, or a Traveling Companion’s, or a Traveling Companion’s Family Member’s or a Business Partner’s death, which occurs while You are on Your Trip; or

2. Your, a Family Member’s, or a Traveling Companion’s or a Traveling Companion’s Family Member’s or a Business Partner’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption; and c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on the Trip; or

3. for Other Covered Events as defined;

provided any such covered Unforeseen reason occurs while coverage is in effect for You.

Delayed Arrival must be due to one of the following Unforeseen reasons which occurs within 7 days of Your Scheduled Departure Date:

1. Your, a Family Member’s, a Traveling Companion’s or a Business Partner’s death; or

2. Your, a Family Member’s, or a Traveling Companion’s or a Business Partner’s covered Sickness or Injury which: a) requires Medical Treatment at the time of occurrence; and b) as certified by a Physician, results in medical restrictions so disabling as to prevent You from departing on Your Trip on Your Scheduled Departure Date; or

3. for Other Covered Events as defined;

provided any such covered Unforeseen reason occurs while coverage is in effect for You.

“Other Covered Events” means:

a. You or Your Traveling Companion being hijacked, physically Quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers). Coverage for this Other Covered Event only applies if Your payment for this policy is received within the Time Sensitive Period;

l. the death or hospitalization of Your Host at Destination;

n. Your or Your Traveling Companion’s pregnancy, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records;

o. You or Your Traveling Companion are attending the childbirth of Your Family Member, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records;

“Quarantine” and “Quarantined” means the enforced strict isolation and confinement of You or Your Traveling Companion at a single location, for medical reasons, pursuant to an order by an official government authority, a lawfully authorized deputy of such authority, or a licensed practicing Physician, which prevents any interaction with other persons for a specified period of time not exceeding the incubation period for a contagious disease to which You or Your Traveling Companion have been exposed. Governmental orders imposing Prohibited Access, social distancing, self-isolation that does not meet all of the requirements set forth above, shelter in place, or stay at home requirements or recommendations do not constitute a Quarantine.

“Time Sensitive Period” means within 14 days of the date Your initial deposit/payment for Your Trip is received.

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3

Pro Plus

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the amount of the unused Non-Refundable prepaid Payments or Deposits for the Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to departure for a covered Unforeseen reason.

Trip Cancellation must be due to one of the following Unforeseen reasons:

1. Your, a Family Member’s, or a Traveling Companion’s, or a Traveling Companion’s Family Member’s or a Business Partner’s death, that occurs before departure on Your Trip; or

2. Your, a Family Member’s, or a Traveling Companion’s or a Traveling Companion’s Family Member’s or a Business Partner’s covered Sickness or Injury, that: a) occurs before departure on Your Trip; b) requires Medical Treatment at the time of cancellation; and c) as certified by a Physician, results in medical restrictions so disabling as to cause Your Trip to be cancelled; or

3. for Other Covered Events, as defined;

provided any such covered Unforeseen reason occur while coverage is in effect for You.

TRIP INTERRUPTION AND DELAYED ARRIVAL

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, prepaid NonRefundable Payments or Deposits for Your land or water Travel Arrangements, plus the Additional Transportation Cost paid to:

a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel; or

b) rejoin Your Trip from the point where You interrupted Your Trip or transport You to Your originally scheduled return destination;

for a covered Unforeseen reason.

Trip Interruption must be due to one of the following Unforeseen reasons:

1. Your, a Family Member’s, or a Traveling Companion’s, or a Traveling Companion’s Family Member’s or a Business Partner’s death, which occurs while You are on Your Trip; or

2. Your, a Family Member’s, or a Traveling Companion’s or a Traveling Companion’s Family Member’s or a Business Partner’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption; and c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on the Trip; or

3. for Other Covered Events as defined;

provided any such covered Unforeseen reason occurs while coverage is in effect for You.

Delayed Arrival must be due to one of the following Unforeseen reasons which occurs within 7 days of Your Scheduled Departure Date:

1. Your, a Family Member’s, a Traveling Companion’s or a Business Partner’s death; or

2. Your, a Family Member’s, or a Traveling Companion’s or a Business Partner’s covered Sickness or Injury which: a) requires Medical Treatment at the time of occurrence; and b) as certified by a Physician, results in medical restrictions so disabling as to prevent You from departing on Your Trip on Your Scheduled Departure Date; or

3. for Other Covered Events as defined;

provided any such covered Unforeseen reason occurs while coverage is in effect for You.

“Other Covered Events” means:

a. You or Your Traveling Companion being hijacked, physically Quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers). Coverage for this Other Covered Event only applies if Your payment for this policy is received within the Time Sensitive Period;

m. the death or hospitalization of Your Host at Destination;

q. Your or Your Traveling Companion’s pregnancy, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records;

r. You or Your Traveling Companion are attending the childbirth of Your Family Member, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records;

“Quarantine” and “Quarantined” means the enforced strict isolation and confinement of You or Your Traveling Companion at a single location, for medical reasons, pursuant to an order by an official government authority, a lawfully authorized deputy of such authority, or a licensed practicing Physician, which prevents any interaction with other persons for a specified period of time not exceeding the incubation period for a contagious disease to which You or Your Traveling Companion have been exposed. Governmental orders imposing Prohibited Access, social distancing, self-isolation that does not meet all of the requirements set forth above, shelter in place, or stay at home requirements or recommendations do not constitute a Quarantine.

“Time Sensitive Period” means within 21 days of the date Your initial deposit/payment for Your Trip is received.

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

Silver

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination within thirty (30) days of the date of Your Trip.

13. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury, or subpoenaed within ten (10) days of departure; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your Home within ten (10) days of departure.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits , subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination during Your trip.

13. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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5

Gold

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination within thirty (30) days of the date of Your Trip.

13. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury, or subpoenaed within ten (10) days of departure; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your Home within ten (10) days of departure.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits , subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination during Your trip.

13. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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6

Platinum

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination within thirty (30) days of the date of Your Trip.

16. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury, or subpoenaed within ten (10) days of departure; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your Home within ten (10) days of departure.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits , subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.)as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the
Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination during Your trip.

16. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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Policy Name and Summary of Coverage
7

Travel Medical Single Trip

Included in Trip Cancellation

TRIP CANCELLATION

We will pay you up to the maximum amount shown in the schedule of benefits for loss(es) incurred by you or your traveling companion for a covered trip cancelled up to the date and time of departure due to any of the following unforeseen events:

Health and Family

a. Any injury, death, or any unforeseen serious medical condition or sickness;

1. Occurring to you or your traveling companion’s host at destination or a family member traveling with you that is so disabling as to cause a reasonable person to cancel their covered trip or which results in medically imposed restrictions as certified by a physician at the time of loss preventing your continued use of the covered trip;

2. Occurring to a family member not traveling with you that is considered life-threatening, as certified by a physician or they require your immediate care. Such disability must be so disabling as to reasonably cause a covered trip to be canceled and must be certified by a physician;

b. You or your traveling companion has complications of pregnancy. The onset of these conditions must occur after your effective date of coverage and must be verified by medical records; or

c. You are on a list as a donor or recipient for an organ transplant and, after the effective date, receives official notification that an organ match is available for immediate transplant. The transplant must be considered medically necessary, and a physician must confirm that the transplant and/or surgery is so disabling as to prevent travel.

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8

Explorer

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

We will pay you up to the maximum amount shown in the schedule of benefits for loss(es) incurred by you or your traveling companion for a covered trip cancelled up to the date and time of departure due to any of the following unforeseen events:

Health and Family

a. Any injury, death, or any unforeseen serious medical condition or sickness;

1. Occurring to you, your traveling companion, your host at destination or a family member traveling with you, that is so disabling as to cause a reasonable person to cancel their covered trip or which results in medically imposed restrictions as certified by a physician at the time of loss preventing your continued use of the covered trip;

2. Occurring to a family member not traveling with you that is considered life-threatening, as certified by a physician or they require your immediate care. Such disability must be so disabling as to reasonably cause a covered trip to be canceled and must be certified by a physician;

b You or your traveling companion has complications of pregnancy. The onset of these conditions must occur after your effective date of coverage and must be verified by medical records;

c. You are on a list as a donor or recipient for an organ transplant and, after the effective date, receives official notification that an organ match is available for immediate transplant. The transplant must be considered medically necessary, and a physician must confirm that the transplant and/or surgery is so disabling as to prevent travel.

TRIP INTERRUPTION

We will pay you up to the maximum amount shown in the schedule of benefit for loss(es) incurred by you or your traveling companion for a covered trip interrupted after the date and time of departure due to any of the following unforeseen events:

Health and Family

a. Any injury, death, or any unforeseen serious medical condition or sickness;

1. Occurring to you, your traveling companion, your host at destination or a family member traveling with you, that is so disabling as to cause a reasonable person to interrupt their covered trip or which results in medically imposed restrictions as certified by a physician at the time of loss preventing your continued participation in the covered trip;

2. Occurring to a family member not traveling with you that is considered life-threatening, as certified by a physician or they require your immediate care. Such disability must be so disabling as to reasonably cause a covered trip to be interrupted and must be certified by a physician;

b You will be attending a family member’s childbirth. The pregnancy must occur after the effective date and must be verified by medical records;

c. You or your traveling companion have complications of pregnancy. The onset of these conditions must occur after your effective date and must be verified by medical records; and

d. You are on a list as a donor or recipient for an organ transplant and, after the effective date, receive official notification that an organ match is available for immediate transplant. The transplant must be considered medically necessary, and a physician must confirm that the transplant and/or surgery is so disabling as to prevent travel.

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9

Discovery Plan

Included in Trip Cancellation

TRIP CANCELLATION

We will pay you up to the maximum amount shown in the schedule of benefits for loss(es) incurred by you or your traveling companion for a covered trip cancelled up to the date and time of departure due to any of the following unforeseen events:

Health and Family

a. Any injury, death or sickness;

1. Occurring to you, your traveling companion or a family member traveling with you, that is so disabling as to cause a reasonable person to cancel their covered trip, or which results in medically imposed restrictions as certified by a physician at the time of loss preventing your continued use of the covered trip;

2. Occurring to a family member not traveling with you that is considered life-threatening, as certified by a physician or they require your immediate care. Such disability must be so disabling as to reasonably cause a covered trip to be canceled and must be certified by a physician;

b. You or your traveling companion has complications of pregnancy. The onset of these conditions must occur after your effective date of coverage and must be verified by medical records; or

c. You are on a list as a donor or recipient for an organ transplant and, after the effective date, receives official notification that an organ match is available for immediate transplant. The transplant must be considered medically necessary, and a physician must confirm that the transplant and/or surgery is so disabling as to prevent travel.

Personal Safety and Security

b. You and/or your traveling companion being hijacked, quarantined, required to serve on a jury, subpoenaed, or required to appear as a witness in a legal action, provided you or your traveling companion are not a party to the legal action or appearing as a law enforcement officer; the victim of felonious assault within ten (10) days of departure;

Optional Coverage

The following will be included if elected and appropriate costs have been paid:

TRIP INTERRUPTION

We will pay you up to the maximum amount shown in the schedule of benefits for loss(es) incurred by you or your traveling companion for a covered trip interrupted after the date and time of departure due to any of the following unforeseen events:

Health and Family

a. Any injury, death, or sickness;

1. Occurring to you, your traveling companion or a family member traveling with you, that is so disabling as to cause a reasonable person to interrupt their covered trip or which results in medically imposed restrictions as certified by a physician at the time of loss preventing your continued participation in the covered trip;

2. Occurring to a family member not traveling with you that is considered life-threatening, as certified by a physician or they require your immediate care. Such disability must be so disabling as to reasonably cause a covered trip to be interrupted and must be certified by a physician;

b. You or your traveling companion have complications of pregnancy. The onset of these conditions must occur after your effective date and must be verified by medical records; and

c. You are on a list as a donor or recipient for an organ transplant and, after the effective date, receive official notification that an organ match is available for immediate transplant. The transplant must be considered medically necessary, and a physician must confirm that the transplant and/or surgery is so disabling as to prevent travel.

Personal Safety and Security

a. You and/or your traveling companion being hijacked, quarantined in the location where you are intending to travel, required to serve on a jury, subpoenaed, or required to appear as a witness in a legal action, provided you or your traveling companion is not a party to the legal action or appearing as a law enforcement officer;

Quarantine means a mandatory confinement, intended to stop the spread of a contagious disease to which you or your traveling companion may have been exposed.

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

ExactCare

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION AND INTERRUPTION

Benefit will be provided for loss(es) incurred by the Insured for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events:

Medical / Health

a) Any serious Injury, death, or Sickness;

1) Occurring to You or a Traveling Companion, a Family Member traveling with You, that is so disabling as to cause a reasonable person to cancel or interrupt their Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip;

2) Occurring to a Family Member not traveling with the You that is considered life‐threatening, as certified by a Physician or they require Your immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;

3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician;

4) Sickness, Injury, death or hospitalization occurring to Your Host at Your Destination. A Physician must certify the Sickness or Injury;

“Quarantined” means a period of medically imposed isolation that is issued by the treating Physician to stop the spread of a contagious disease or Sickness which they have been diagnosed with or exposed to.

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11

ExactCare Value

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION AND INTERRUPTION

Benefit will be provided for loss(es) incurred by You for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events:

Medical / Health

a) Any serious Injury, death, or Sickness;

(1) Occurring to You or a Traveling Companion, a Family Member traveling with You, that is so disabling as to cause a reasonable person to cancel or interrupt their Trip or which results in
medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip;

(2) Occurring to a Family Member not traveling with the You that is considered life-threatening, as certified by a Physician or they require Your immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;

(3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician;

“Quarantined” means a period of medically imposed isolation that is issued by the treating Physician to stop the spread of a contagious disease or Sickness which they have been diagnosed with or exposed to.

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12

LuxuryCare

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION AND INTERRUPTION

Benefit will be provided for loss(es) incurred by You for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events:

Medical / Health

a) Any serious Injury, death, or Sickness;

1) Occurring to You or a Traveling Companion, a Family Member traveling with You, that is so disabling as to cause a reasonable person to cancel or interrupt their Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip;

2) Occurring to a Family Member not traveling with the You that is considered life-threatening, as certified by a Physician or they require Your immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;

3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician;

4) Sickness, Injury, death or hospitalization occurring to Your Host at Your Destination. A Physician must certify the Sickness or Injury;

b) You being medically unable to receive a required immunization for entry into a country of Destination, provided that such a requirement was not in place at the time of the effective date of coverage;

c) You, your spouse, or Domestic Partner must cancel Your Trip due to a Normal Pregnancy or Childbirth. Date of conception as calculated by a licensed OB-GYN must occur after Your effective date of coverage;

“Quarantined” means a period of medically imposed isolation that is issued by the treating Physician to stop the spread of a contagious disease or Sickness which they have been diagnosed with or exposed to.

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13

ExactCare Lite

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION AND INTERRUPTION

Benefit will be provided for loss(es) incurred by You for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events:

Medical / Health

a) Any serious Injury, death, or Sickness;

(1) Occurring to You or a Traveling Companion, a Family Member traveling with You, that is so disabling as to cause a reasonable person to cancel or interrupt their Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip;

(2) Occurring to a Family Member not traveling with You that is considered life-threatening, as certified by a Physician or they require Your immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;

(3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician;

(4) Sickness, Injury, death or hospitalization occurring to Your Host at Your Destination. A Physician must certify the Sickness or Injury;

“Quarantined” means a period of medically imposed isolation that is issued by the treating Physician to stop the spread of a contagious disease or Sickness which they have been diagnosed with or exposed to.

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Cat 70 Cat 70
Policy Name and Summary of Coverage
14

Travel Plan

Included in Trip Cancellation and Trip Interruption

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy. Maximum trip length is also shown on the Schedule of Benefits.

a) Your Accidental Injury, Covered Sickness or death or the Accidental Injury, Covered Sickness or death of Your Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; that results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) An Accidental Injury incurred by You that causes You to be medically unable to continue Your trip’s activity(ies). An actual examination by a Physician must take place and the Physician must advise You to discontinue the trip’s activity(ies).

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Generali Global Assistance Generali Global Assistance
Policy Name and Summary of Coverage
15

Standard

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION BENEFIT

Benefits will be paid, up to the amount in the Schedule, for the forfeited, prepaid, non-refundable, non-refunded and unused published Payments that you paid for your Trip, if you are prevented from taking your Trip due to one of the following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy.

Covered Events:

1. The Sickness, Injury or death of you, your Family Member, your Traveling Companion or your Service Animal. The Sickness or Injury must first commence while your coverage is in effect under the Policy, must require the in-person treatment by a Physician, and must be so disabling in the written opinion of a Physician as to prevent you from taking your Trip (either because your condition prevents your travel, or because your Family Member, Traveling Companion or your Service Animal requires your care);

14. Your Host being unable to provide Accommodations due to a life-threatening Sickness or Injury, or due to death. Official documentation of the event will be required;

17. Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of destination after the effective date of your coverage. The vaccination or inoculation must be unannounced and unpublished to the public at the time your coverage is purchased;

18. Receiving official notification of an organ match available for immediate transplant, provided the transplant is considered medically necessary, the notification is received while coverage is in effect, and in the written opinion of the Physician the transplant surgery and/or recovery is so disabling as to prevent you from taking the Trip;

TRIP INTERRUPTION BENEFIT

If your arrival on your Trip is delayed beyond your Scheduled Departure Date, or if you are unable to continue the Trip due to one of the unforeseeable Covered Events listed below that occur during your Trip dates to you or your Traveling Companion, we will reimburse you for the unused, non-refundable land or water arrangements prepaid to the Travel Supplier prior to departing on your Trip, less any refunds paid or payable, plus one of the following:

a. Additional transportation expenses incurred to reach your scheduled destination if your departure is delayed and you leave after the Scheduled Departure Date and time; or

b.Additional transportation expenses incurred for you to reach the final return destination of your Trip; or

c. Additional transportation expenses incurred to rejoin the Trip in progress from the point where you interrupted your Trip.

Covered Events:

1. The Sickness, Injury or death of you, your Family Member, your Service Animal or your Traveling Companion. The Sickness or Injury must first commence while your Trip Interruption coverage is in effect under the Policy, must require the in person treatment by a Physician, and must be so disabling in the written opinion of a Physician as to prevent you from taking your Trip (either because your condition prevents your travel, or because your Family Member, Traveling Companion or your Service Animal requires your care);

14. Your Host being unable to provide Accommodations due to a life-threatening Sickness or Injury, or due to death. Official documentation of the event will be required;

17. Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of destination while on your Trip. The vaccination or inoculation must be unannounced and unpublished to the public at the time your coverage is purchased;

18. Receiving official notification of an organ match available to you for immediate transplant, provided the transplant is considered medically necessary, the notification is received while you are on your Trip, and in the written opinion of the Physician the transplant surgery and/or recovery is so disabling as to prevent you from continuing on your Trip;

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16

Preferred

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION BENEFIT

Benefits will be paid, up to the amount in the Schedule, for the forfeited, prepaid, non-refundable, non-refunded and unused published Payments that you paid for your Trip, if you are prevented from taking your Trip due to one of the following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy.

Covered Events:

1. The Sickness, Injury or death of you, your Family Member, your Traveling Companion or your Service Animal. The Sickness or Injury must first commence while your coverage is in effect under the Policy, must require the in-person treatment by a Physician, and must be so disabling in the written opinion of a Physician as to prevent you from taking your Trip (either because your condition prevents your travel, or because your Family Member, Traveling Companion or your Service Animal requires your care);

15. Your Host being unable to provide Accommodations due to a life-threatening Sickness or Injury, or due to death. Official documentation of the event will be required;

18. Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of
destination after the effective date of your coverage. The vaccination or inoculation must be unannounced and unpublished to the public at the time your
coverage is purchased;

19. Receiving official notification of an organ match available for immediate transplant, provided the transplant is considered medically necessary, the notification is received while coverage is in effect, and in the written opinion of the Physician the transplant surgery and/or recovery is so disabling as to prevent you from taking the Trip;

TRIP INTERRUPTION BENEFIT

If your arrival on your Trip is delayed beyond your Scheduled Departure Date, or if you are unable to continue the Trip due to one of the unforeseeable Covered Events listed below that occur during your Trip dates to you or your Traveling Companion, we will reimburse you for the unused, non-refundable land or water arrangements prepaid to the Travel Supplier prior to departing on your Trip, less any refunds paid or payable, plus one of the following:

a. Additional transportation expenses incurred to reach your scheduled destination if your departure is delayed and you leave after the Scheduled Departure Date and time; or

b.Additional transportation expenses incurred for you to reach the final return destination of your Trip; or

c. Additional transportation expenses incurred to rejoin the Trip in progress from the point where you interrupted your Trip.

Covered Events:

1. The Sickness, Injury or death of you, your Family Member, your Service Animal or your Traveling Companion. The Sickness or Injury must first commence while your Trip Interruption coverage is in effect under the Policy, must require the in person treatment by a Physician, and must be so disabling in the written opinion of a Physician as to prevent you from taking your Trip (either because your condition prevents your travel, or because your Family Member, Traveling Companion or your Service Animal requires your care);

15. Your Host being unable to provide Accommodations due to a life-threatening Sickness or Injury, or due to death. Official documentation of the event will be required;

18. Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of
destination while on your Trip. The vaccination or inoculation must be unannounced and unpublished to the public at the time your coverage is purchased;

19. Receiving official notification of an organ match available to you for immediate transplant, provided the transplant is considered medically necessary, the notification is received while you are on your Trip, and in the written opinion of the Physician the transplant surgery and/or recovery is so disabling as to prevent you from continuing on your Trip;

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17

Premium

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION BENEFIT

Benefits will be paid, up to the amount in the Schedule, for the forfeited, prepaid, non-refundable, non-refunded and unused published Payments that you paid for your Trip, if you are prevented from taking your Trip due to one of the following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy.

1. The Sickness, Injury or death of you, your Family Member, your Traveling Companion or your Service Animal. The Sickness or Injury must first commence while your coverage is in effect under the Policy, must require the in-person treatment by a Physician, and must be so disabling in the written opinion of a Physician as to prevent you from taking your Trip (either because your condition prevents your travel, or because your Family Member, Traveling Companion or your Service Animal requires your care);

15. Your Host being unable to provide Accommodations due to a life-threatening Sickness or Injury, or due to death. Official documentation of the event will be required;

18. Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of destination after the effective date of your coverage. The vaccination or inoculation must be unannounced and unpublished to the public at the time your coverage is purchased;

19. Receiving official notification of an organ match available for immediate transplant, provided the transplant is considered medically necessary, the notification is received while coverage is in effect, and in the written opinion of the Physician the transplant surgery and/or recovery is so disabling as to prevent you from taking the Trip;

TRIP INTERRUPTION BENEFIT

If your arrival on your Trip is delayed beyond your Scheduled Departure Date, or if you are unable to continue the Trip due to one of the unforeseeable Covered Events listed below that occur during your Trip dates to you or your Traveling Companion, we will reimburse you for the unused, non-refundable land or water arrangements prepaid to the Travel Supplier prior to departing on your Trip, less any refunds paid or payable, plus one of the following:

a. Additional transportation expenses incurred to reach your scheduled destination if your departure is delayed and you leave after the Scheduled Departure Date and time; or

b.Additional transportation expenses incurred for you to reach the final return destination of your Trip; or

c. Additional transportation expenses incurred to rejoin the Trip in progress from the point where you interrupted your Trip.

Covered Events:

1. The Sickness, Injury or death of you, your Family Member, your Service Animal or your Traveling Companion. The Sickness or Injury must first commence while your Trip Interruption coverage is in effect under the Policy, must require the in person treatment by a Physician, and must be so disabling in the written opinion of a Physician as to prevent you from taking your Trip (either because your condition prevents your travel, or because your Family Member, Traveling Companion or your Service Animal requires your care);

15. Your Host being unable to provide Accommodations due to a life-threatening Sickness or Injury, or due to death. Official documentation of the event will be required;

18. Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of destination while on your Trip. The vaccination or inoculation must be unannounced and unpublished to the public at the time your coverage is purchased;

19. Receiving official notification of an organ match available to you for immediate transplant, provided the transplant is considered medically necessary, the notification is received while you are on your Trip, and in the written opinion of the Physician the transplant surgery and/or recovery is so disabling as to prevent you from continuing on your Trip;

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GeoBlue GeoBlue
Policy Name and Summary of Coverage
18

Voyager Choice excl US

Included in Trip Interruption

Post Departure Trip Interruption

Post Departure Trip Interruption coverage provides a benefit up to the maximum amount shown on the Benefit Overview Matrix or Your Letter of Confirmation, if your trip is interrupted or must be discontinued for any of the following reasons:

• If, due to a covered Illness or Injury, which is so disabling as to cause a reasonable person to delay, cancel, or interrupt their Trip, We will pay for additional transportation expenses needed to reach the scheduled termination point of Your Trip or to travel from the place Your Trip was interrupted to the place where You can rejoin Your Trip. In the event You cannot continue your trip, We will pay for Your and Your Traveling Companion’s return home from Your current location outside of the United States.

• If You are diagnosed with or receive a positive test for an infectious disease that delays Your return to Your home destination due to restrictions placed on travel due to a possible exposure or Quarantine, and as a result, are unable to use Your previously booked return travel to Your home location, We will pay for Your return home from Your current location outside of the United States.

• If You are the victim of a Felonious Assault during Your Period of Coverage and You no longer can complete Your trip or program, We will pay for You to return home from Your current location outside of the United States.

For all instances named above, We will pay up to the amount shown on the Benefit Overview Matrix for the cost of a one-way economy class air fare ticket for You and Your Travel Companion to reach your destination. Amounts paid will not exceed the Maximum Benefit as stated in the Benefit Overview Matrix or the cost of economy airfare by the most direct route on the next available carrier, less any refunds or credits paid to You for unused tickets.

• If You must Quarantine while covered under this Certificate because You are diagnosed with or receive a positive test for an infectious disease, coverage for the reasonable expenses of lodging and meals necessarily incurred as a result of a Quarantine, will be covered up to the amount shown on the Schedule of Benefits under the Post Departure Trip Interruption/Lodging & Incidentals Benefit.

For the purposes of this benefit, Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of an infectious disease. An embargo preventing You from entering a country is not a Quarantine.

For the purposes of this coverage, the following definitions apply:

Felonious Assault is an act of violence against You requiring medical treatment in a Hospital.

Traveling Companion is a person traveling with You and who shares the same accommodations and itinerary as You.

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19

Voyager Essential excl US

Included in Trip Interruption

Post Departure Trip Interruption

Post Departure Trip Interruption coverage provides a benefit up to the maximum amount shown on the Benefit Overview Matrix or Your Letter of Confirmation, if your trip is interrupted or must be discontinued for any of the following reasons:

• If, due to a covered Illness or Injury, which is so disabling as to cause a reasonable person to delay, cancel, or interrupt their Trip, We will pay for additional transportation expenses needed to reach the scheduled termination point of Your Trip or to travel from the place Your Trip was interrupted to the place where You can rejoin Your Trip. In the event You cannot continue your trip, We will pay for Your and Your Traveling Companion’s return home from Your current location outside of the United States.

• If You are diagnosed with or receive a positive test for an infectious disease that delays Your return to Your home destination due to restrictions placed on travel due to a possible exposure or Quarantine, and as a result, are unable to use Your previously booked return travel to Your home location, We will pay for Your return home from Your current location outside of the United States.

• If You are the victim of a Felonious Assault during Your Period of Coverage and You no longer can complete Your trip or program, We will pay for You to return home from Your current location outside of the United States.

For all instances named above, We will pay up to the amount shown on the Benefit Overview Matrix for the cost of a one-way economy class air fare ticket for You and Your Travel Companion to reach your destination. Amounts paid will not exceed the Maximum Benefit as stated in the Benefit Overview Matrix or the cost of economy airfare by the most direct route on the next available carrier, less any refunds or credits paid to You for unused tickets.

• If You must Quarantine while covered under this Certificate because You are diagnosed with or receive a positive test for an infectious disease, coverage for the reasonable expenses of lodging and meals necessarily incurred as a result of a Quarantine, will be covered up to the amount shown on the Schedule of Benefits under the Post Departure Trip Interruption/Lodging & Incidentals Benefit.

For the purposes of this benefit, Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of an infectious disease. An embargo preventing You from entering a country is not a Quarantine.

For the purposes of this coverage, the following definitions apply:

Felonious Assault is an act of violence against You requiring medical treatment in a Hospital.

Traveling Companion is a person traveling with You and who shares the same accommodations and itinerary as You.

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GoReady Insurance GoReady Insurance
Policy Name and Summary of Coverage
20

Trip Cancellation Plan

Included in Trip Cancellation

TRIP CANCELLATION BENEFIT

Benefits will be paid, up to the amount in the Schedule, for the forfeited, prepaid, non-refundable, non-refunded and unused published Payments that you paid for your Trip, if you are prevented from taking your Trip due to one of the following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy.

In the event you used frequent flyer miles to arrange air transportation for this Trip, and you cancel due to a Covered Event, we will reimburse you for the cost to reinstate your miles to your account, up to the amount in the Schedule.

Should you elect to reschedule your Trip arrangements instead of cancelling due to a Covered Event, in lieu of providing benefits for the forfeited, prepaid, nonrefundable, non-refunded and unused published Payments, we will pay for change fees charged by your supplier(s), up to the amount in the Schedule.

In the event there is a change in the per person occupancy rate for your pre-paid arrangements as a result of a Traveling Companion canceling his or her Trip due to an unforeseeable Covered Event when you do not cancel, we will reimburse you for additional costs above the original invoiced and pre-paid charge for your booking, up to the amount in the Schedule, for Accommodations during the Trip as a result of the change.

Covered Events:

1. The Sickness, Injury or death of you, your Family Member, your Traveling Companion or your Service Animal. The Sickness or Injury must first commence while your coverage is in effect under the Policy, must require the in-person treatment by a Physician, and must be so disabling in the written opinion of a Physician as to prevent you from taking your Trip (either because your condition prevents your travel, or because your Family Member, Traveling Companion or your Service Animal requires your care);

15. Your Host being unable to provide Accommodations due to a life-threatening Sickness or Injury, or due to death. Official documentation of the event will be required;

18. Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of destination after the effective date of your coverage. The vaccination or inoculation must be unannounced and unpublished to the public at the time your coverage is purchased;

19. Receiving official notification of an organ match available for immediate transplant, provided the transplant is considered medically necessary, the notification is received while coverage is in effect, and in the written opinion of the Physician the transplant surgery and/or recovery is so disabling as to prevent you from taking the Trip;

THE FOLLOWING OPTIONAL COVERAGE APPLIES IF PURCHASED.

TRIP INTERRUPTION BENEFIT

If your arrival on your Trip is delayed beyond your Scheduled Departure Date, or if you are unable to continue the Trip due to one of the unforeseeable Covered Events listed below that occur during your Trip dates to you or your Traveling Companion, we will reimburse you for the unused, non-refundable land or water arrangements prepaid to the Travel Supplier prior to departing on your Trip, less any refunds paid or payable, plus one of the following:

a. Additional transportation expenses incurred to reach your scheduled destination if your departure is delayed and you leave after the Scheduled Departure Date and time; or

b. Additional transportation expenses incurred for you to reach the final return destination of your Trip; or

c. Additional transportation expenses incurred to rejoin the Trip in progress from the point where you interrupted your Trip.

We will also provide reimbursement for unused air arrangements, less any refunds paid or payable, provided that these are not flights scheduled to travel to your Trip destination or flights scheduled to your origin of departure on your Trip, and provided that these are not flights within 24 hours of your Scheduled Departure Date or Scheduled Return Date.

Covered Events:

1. The Sickness, Injury or death of you, your Family Member, your Service Animal or your Traveling Companion. The Sickness or Injury must first commence while your Trip Interruption coverage is in effect under the Policy, must require the in-person treatment by a Physician, and must be so disabling in the written opinion of a Physician as to prevent you from taking your Trip (either because your condition prevents your travel, or because your Family Member, Traveling Companion or your Service Animal requires your care);

15. Your Host being unable to provide Accommodations due to a life-threatening Sickness or Injury, or due to death. Official documentation of the event will be required;

18. Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of destination while on your Trip. The vaccination or inoculation must be unannounced and unpublished to the public at the time your coverage is purchased;

19. Receiving official notification of an organ match available to you for immediate transplant, provided the transplant is considered medically necessary, the notification is received while you are on your Trip, and in the written opinion of the Physician the transplant surgery and/or recovery is so disabling as to prevent you from continuing on your Trip;

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21

Choice

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION BENEFIT

Benefits will be paid, up to the amount in the Schedule, for the forfeited, prepaid, non-refundable, non-refunded and unused published Payments that you paid for your Trip, if you are prevented from taking your Trip due to one of the following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy.

Covered Events:

1. The Sickness, Injury or death of you, your Family Member, your Traveling Companion or your Service Animal. The Sickness or Injury must first commence while your coverage is in effect under the Policy, must require the in-person treatment by a Physician, and must be so disabling in the written opinion of a Physician as to prevent you from taking your Trip (either because your condition prevents your travel, or because your Family Member, Traveling Companion or your Service Animal requires your care);

14. Your Host being unable to provide Accommodations due to a life-threatening Sickness or Injury, or due to death. Official documentation of the event will be required;

17. Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of destination after the effective date of your coverage. The vaccination or inoculation must be unannounced and unpublished to the public at the time your coverage is purchased;

18. Receiving official notification of an organ match available for immediate transplant, provided the transplant is considered medically necessary, the notification is received while coverage is in effect, and in the written opinion of the Physician the transplant surgery and/or recovery is so disabling as to prevent you from taking the Trip;

TRIP INTERRUPTION BENEFIT

If your arrival on your Trip is delayed beyond your Scheduled Departure Date, or if you are unable to continue the Trip due to one of the unforeseeable Covered Events listed below that occur during your Trip dates to you or your Traveling Companion, we will reimburse you for the unused, non-refundable land or water arrangements prepaid to the Travel Supplier prior to departing on your Trip, less any refunds paid or payable, plus one of the following:

a. Additional transportation expenses incurred to reach your scheduled destination if your departure is delayed and you leave after the Scheduled Departure Date and time; or

Additional transportation expenses incurred for you to reach the final return destination of your Trip; or

c. Additional transportation expenses incurred to rejoin the Trip in progress from the point where you interrupted your Trip.

We will also provide reimbursement for unused air arrangements, less any refunds paid or payable, provided that these are not flights scheduled to travel to your Trip destination or flights scheduled to your origin of departure on your Trip, and provided that these are not flights within 24 hours of your Scheduled Departure Date or Scheduled Return Date.

Covered Events:

1. The Sickness, Injury or death of you, your Family Member, your Service Animal or your Traveling Companion. The Sickness or Injury must first commence while your Trip Interruption coverage is in effect under the Policy, must require the in person treatment by a Physician, and must be so disabling in the written opinion of a Physician as to prevent you from taking your Trip (either because
your condition prevents your travel, or because your Family Member, Traveling Companion or your Service Animal requires your care);

14. Your Host being unable to provide Accommodations due to a life-threatening Sickness or Injury, or due to death. Official documentation of the event will be required;

17. Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of destination while on your Trip. The vaccination or inoculation must be unannounced and unpublished to the public at the time your coverage is purchased;

18. Receiving official notification of an organ match available to you for immediate transplant, provided the transplant is considered medically necessary, the notification is received while you are on your Trip, and in the written opinion of the Physician the transplant surgery and/or recovery is so disabling as to prevent you from continuing on your Trip;

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22

Choice

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION BENEFIT

Benefits will be paid, up to the amount in the Schedule, for the forfeited, prepaid, non-refundable, non-refunded and unused published Payments that you paid for your Trip, if you are prevented from taking your Trip due to one of the following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy.

Covered Events:

1. The Sickness, Injury or death of you, your Family Member, your Traveling Companion or your Service Animal. The Sickness or Injury must first commence while your coverage is in effect under the Policy, must require the in-person treatment by a Physician, and must be so disabling in the written opinion of a Physician as to prevent you from taking your Trip (either because your condition prevents your travel, or because your Family Member, Traveling Companion or your Service Animal requires your care);

14. Your Host being unable to provide Accommodations due to a life-threatening Sickness or Injury, or due to death. Official documentation of the event will be required;

17. Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of destination after the effective date of your coverage. The vaccination or inoculation must be unannounced and unpublished to the public at the time your coverage is purchased;

18. Receiving official notification of an organ match available for immediate transplant, provided the transplant is considered medically necessary, the notification is received while coverage is in effect, and in the written opinion of the Physician the transplant surgery and/or recovery is so disabling as to prevent you from taking the Trip;

TRIP INTERRUPTION BENEFIT

If your arrival on your Trip is delayed beyond your Scheduled Departure Date, or if you are unable to continue the Trip due to one of the unforeseeable Covered Events listed below that occur during your Trip dates to you or your Traveling Companion, we will reimburse you for the unused, non-refundable land or water arrangements prepaid to the Travel Supplier prior to departing on your Trip, less any refunds paid or payable, plus one of the following:

a. Additional transportation expenses incurred to reach your scheduled destination if your departure is delayed and you leave after the Scheduled Departure Date and time; or

b. Additional transportation expenses incurred for you to reach the final return destination of your Trip; or

c. Additional transportation expenses incurred to rejoin the Trip in progress from the point where you interrupted your Trip.

We will also provide reimbursement for unused air arrangements, less any refunds paid or payable, provided that these are not flights scheduled to travel to your Trip destination or flights scheduled to your origin of departure on your Trip, and provided that these are not flights within 24 hours of your Scheduled Departure Date or Scheduled Return Date.

Covered Events:

1. The Sickness, Injury or death of you, your Family Member, your Service Animal or your Traveling Companion. The Sickness or Injury must first commence while your Trip Interruption coverage is in effect under the Policy, must require the in person treatment by a Physician, and must be so disabling in the written opinion of a Physician as to prevent you from taking your Trip (either because
your condition prevents your travel, or because your Family Member, Traveling Companion or your Service Animal requires your care);

14. Your Host being unable to provide Accommodations due to a life-threatening Sickness or Injury, or due to death. Official documentation of the event will be required;

17. Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of destination while on your Trip. The vaccination or inoculation must be unannounced and unpublished to the public at the time your coverage is purchased;

18. Receiving official notification of an organ match available to you for immediate transplant, provided the transplant is considered medically necessary, the notification is received while you are on your Trip, and in the written opinion of the Physician the transplant surgery and/or recovery is so disabling as to prevent you from continuing on your Trip;

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23

Annual Plan

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION BENEFIT

Benefits will be paid, up to the amount in the Schedule, for the forfeited, prepaid, non‐refundable, non‐refunded and unused published Payments that you paid for your Trip, if you are prevented from taking your Trip due to one of the following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy.

Covered Events:

1. The Sickness, Injury or death of you, your Family Member, your Traveling Companion or your Service Animal. The Sickness or Injury must first commence while your coverage is in effect under the Policy, must require the in‐person treatment by a Physician, and must be so disabling in the written opinion of a Physician as to prevent you from taking your Trip (either because your condition prevents your travel, or because your Family Member, Traveling Companion or your Service Animal requires your care);

15. Your Host being unable to provide Accommodations due to a life‐threatening Sickness or Injury, or due to death. Official documentation of the event will be required;

18. Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of destination after the effective date of your coverage. The vaccination or inoculation must be unannounced and unpublished to the public at the time your coverage is purchased;

19. Receiving official notification of an organ match available for immediate transplant, provided the transplant is considered medically necessary, the notification is received while coverage is in effect, and in the written opinion of the Physician the transplant surgery and/or recovery is so disabling as to prevent you from taking the Trip;

TRIP INTERRUPTION BENEFIT

If your arrival on your Trip is delayed beyond your Scheduled Departure Date, or if you are unable to continue the Trip due to one of the unforeseeable Covered Events listed below that occur during your Trip dates to you or your Traveling Companion, we will reimburse you for the unused, non‐refundable land or water arrangements prepaid to the Travel Supplier prior to departing on your Trip, less any refunds paid or payable, plus one of the following:

a. Additional transportation expenses incurred to reach your scheduled destination if your departure is delayed and you leave after the Scheduled Departure Date and time; or

b. Additional transportation expenses incurred for you to reach the final return destination of your Trip; or

c. Additional transportation expenses incurred to rejoin the Trip in progress from the point where you interrupted your Trip.

Covered Events:

1. The Sickness, Injury or death of you, your Family Member, your Service Animal or your Traveling Companion. The Sickness or Injury must first commence while your Trip Interruption coverage is in effect under the Policy, must require the in person treatment by a Physician, and must be so disabling in the written opinion of a Physician as to prevent you from taking your Trip (either because your condition prevents your travel, or because your Family Member, Traveling Companion or your Service Animal requires your care);

15. Your Host being unable to provide Accommodations due to a life‐threatening Sickness or Injury, or due to death. Official documentation of the event will be required;

18. Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of destination while on your Trip.
The vaccination or inoculation must be unannounced and unpublished to the public at the time your coverage is purchased;

19. Receiving official notification of an organ match available to you for immediate transplant, provided the transplant is considered medically necessary, the notification is received while you are on your Trip, and in the written opinion of the Physician the transplant surgery and/or recovery is so disabling as to prevent you from continuing on your Trip;

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24

Pandemic Plus

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy.

Maximum trip length is also shown on the Schedule of Benefits.

We will pay You for the following:

a) The amount of forfeited, non-refundable, and unused Payments or Deposits; or

b) Additional cost incurred if the Travel Supplier cancels Your Covered Trip due to an Unforeseen Event and You elect to utilize the service of a replacement Travel Supplier.

In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

TRIP INTERRUPTION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from continuing or resuming Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy.

We will pay You:

a) for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s);

b) additional transportation expenses incurred by You; or

c) return air travel up to the lesser of the cost of an economy flight or the amount shown on the Schedule of Benefits.

In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

The Following are the Unforeseen Events for Trip Cancellation and Trip Interruption:

a) Your Accidental Injury, Covered Sickness or death or the Accidental Injury, Covered Sickness or death of Your Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; that results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) An Accidental Injury incurred by You that causes You to be medically unable to continue Your trip’s activity(ies). An actual examination by a Physician must take place and the Physician must advise You to discontinue the trip’s activity(ies).

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HTH Travel Insurance HTH Travel Insurance
Policy Name and Summary of Coverage
25

TravelGap Voyager excl US

Included in Trip Interruption

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date;

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26

TripProtector Preferred

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination within thirty (30) days of the date of Your Trip.

17. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury, or subpoenaed within ten (10) days of departure; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your Home within ten (10) days of departure.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination during Your trip.

16. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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27

TravelGap Excursion excl US

Included in Trip Interruption

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date;

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28

TripProtector Economy

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination within thirty (30) days of the date of Your Trip.

9. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury, or subpoenaed within ten (10) days of departure; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your Home within ten (10) days of departure.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination during Your trip.

8. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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29

TripProtector Classic

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination within thirty (30) days of the date of Your Trip.

12. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury, or subpoenaed within ten (10) days of departure; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your Home within ten (10) days of departure.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of
interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination during Your trip

11. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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John Hancock Insurance Agency, Inc. John Hancock Insurance Agency, Inc.
Policy Name and Summary of Coverage
30

Bronze

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy. Maximum trip length is also shown on the Schedule of Benefits.

We will pay You for the following:

a) The amount of forfeited, non-refundable, and unused Payments or Deposits; or

b) Additional cost incurred if the Travel Supplier cancels Your Covered Trip due to an Unforeseen Event and You elect to utilize the service of a replacement Travel Supplier.

TRIP INTERRUPTION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from continuing or resuming Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy.

We will pay You:

a) for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s);

b) additional transportation expenses incurred by You; or

c) return air travel up to the lesser of the cost of an economy flight or the amount shown on the Schedule of Benefits.

The Following are the Unforeseen Events for Trip Cancellation and Trip Interruption:

a) Your Accidental Injury, Covered Sickness or death or the Accidental Injury, Covered Sickness or death of Your Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; that results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) An Accidental Injury incurred by You that causes You to be medically unable to continue Your trip’s activity(ies). An actual examination by a Physician must take place and the Physician must advise You to discontinue the trip’s activity(ies).

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31

Silver

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy. Maximum trip length is also shown on the Schedule of Benefits.

We will pay You for the following:

a) The amount of forfeited, non-refundable, and unused Payments or Deposits; or

b) Additional cost incurred if the Travel Supplier cancels Your Covered Trip due to an Unforeseen Event and You elect to utilize the service of a replacement Travel Supplier.

TRIP INTERRUPTION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from continuing or resuming Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy.

We will pay You:

a) for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s);

b) additional transportation expenses incurred by You; or

c) return air travel up to the lesser of the cost of an economy flight or the amount shown on the Schedule of Benefits.

The Following are the Unforeseen Events for Trip Cancellation and Trip Interruption:

a) Your Accidental Injury, Covered Sickness or death or the Accidental Injury, Covered Sickness or death of Your Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; that results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) An Accidental Injury incurred by You that causes You to be medically unable to continue Your trip’s activity(ies). An actual examination by a Physician must take place and the Physician must advise You to discontinue the trip’s activity(ies).

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32

Gold

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy.

Maximum trip length is also shown on the Schedule of Benefits.

We will pay You for the following:

a) The amount of forfeited, non-refundable, and unused Payments or Deposits; or

b) Additional cost incurred if the Travel Supplier cancels Your Covered Trip due to an Unforeseen Event and You elect to utilize the service of a replacement Travel Supplier.

TRIP INTERRUPTION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from continuing or resuming Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy.

We will pay You:

a) for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s);

b) additional transportation expenses incurred by You; or

c) return air travel up to the lesser of the cost of an economy flight or the amount shown on the Schedule of Benefits.

The Following are the Unforeseen Events for Trip Cancellation and Trip Interruption:

a) Your Accidental Injury, Covered Sickness or death or the Accidental Injury, Covered Sickness or death of Your Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; that results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) An Accidental Injury incurred by You that causes You to be medically unable to continue Your trip’s activity(ies). An actual examination by a Physician must take place and the Physician must advise You to discontinue the trip’s activity(ies).

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Nationwide Mutual Insurance Company Nationwide Mutual Insurance Company
Policy Name and Summary of Coverage
33

Essential

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination within thirty (30) days of the date of Your Trip

12. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury, or subpoenaed within ten (10) days of departure; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your Home within ten (10) days of departure.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination during Your trip.

12. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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34

Prime

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination within thirty (30) days of the date of Your Trip.

13. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury, or subpoenaed within ten (10) days of departure; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your Home within ten (10) days of departure.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip
on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified
by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination during Your trip.

13. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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35

Cruise Universal

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

15. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury, or subpoenaed within ten (10) days of departure; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your Home within ten (10) days of departure.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

15. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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36

Cruise Choice

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.

3. Sickness, Accidental Injury or death of a non-traveling Family Member

15. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury, or subpoenaed within ten (10) days of departure; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your Home within ten (10) days of departure.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

15. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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37

Cruise Luxury

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

15. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury, or subpoenaed within ten (10) days of departure; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your Home within ten (10) days of departure.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

15. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine

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Seven Corners Seven Corners
Policy Name and Summary of Coverage
38

RoundTrip Choice

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined:

1. Your, a Family Member’s, a Traveling Companion’s or Business Partner’s death that occurs before departure on Your Trip.

2. Your, a Family Member’s, a Traveling Companion’s or Business Partner’s Sickness or Injury, that:

a. occurs before departure on Your Trip;
b. is examined and treated by a Physician prior to cancellation; and
c. as certified by a Physician, results in medical restrictions so disabling as to cause You to cancel Your Trip.

Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause You to cancel Your Trip to assume daily management of the business.

3. You or Your Traveling Companion must cancel Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect.

Other Covered Events means:

1. You or Your Traveling Companion have Complications of Pregnancy, which is verified by medical records and occurs after the Effective Date of coverage;

12. You or Your Traveling Companion are hijacked or Quarantined;

16. Your Host at Your Scheduled Destination being unable to provide Accommodations due to a life-threating Sickness or Injury, or due to his/her death. You must provide official documentation of the event;

TRIP INTERRUPTION

If You must start Your Trip late or are unable to complete Your Trip, 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 paid to the Travel Supplier for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost
paid to:

a. join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or
b. rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or
c. transport You to Your originally scheduled Return Destination of Your Trip.

The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets. Note that reimbursement of non-refundable Payments or Deposits will be calculated/prorated on a daily basis less the cost of Your original airfare booked by You.

Trip Interruption must occur while coverage is in effect for You due to any of the following covered Unforeseen reasons, as defined:

1. Your, a Family Member’s, or a Traveling Companion’s, or a Business Partner’s death, which occurs while You are on Your Trip.

2. Your, a Family Member’s, or a Traveling Companion’s, or a Business Partner’s Sickness or Injury, that:

a. occurs while You are on Your Trip;
b. is examined and treated by a Physician prior to the time of interruption; and
c. as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on Your Trip.

Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause You to interrupt Your Trip to assume daily management of the business.

3. You or Your Traveling Companion must interrupt Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect.

Other Covered Events means:

1. You or Your Traveling Companion have Complications of Pregnancy which is verified by medical records and occurs while You or Your Traveling Companion are on Your Trip;

11. You or You Traveling Companion are hijacked or Quarantined;

15. Your Host at Your Scheduled Destination being unable to provide Accommodations due to a life-threating Sickness or Injury, or due to his/her death. Official documentation of the event must be provided;

23. If You cannot continue on Your Trip due to a covered Injury or Sickness not requiring Hospitalization and You must extend Your Trip due to medically imposed restrictions, as certified by a treating Physician, benefits will be paid for additional hotel nights, meal(s) and local transportation expenses until You are Medically Fit to Travel up to $100 per day, limited to 10 days and a maximum of $1,000.

Quarantined means You or Your Traveling Companion, Family Member, Business Partner are forced into medical isolation by a recognized government authority, their authorized deputies, medical examiners or Physician to prevent the spread of the disease due to You or Your Traveling Companion, Family Member, Business Partner either having, or being suspected of having a contagious disease, infection or contamination.

An embargo preventing You or Your Traveling Companion, Family Member, Business Partner from entering a country is not a quarantine.

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39

RoundTrip Economy

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

Benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits to reimburse You for the amount of the Published Penalties and unused non-refundable Prepaid Payments or Deposits You paid for Travel Arrangements, including up to $75 for the cost of airline-imposed fees to rebank frequent flyer miles for air flights to join Your Trip when You are prevented from taking Your Trip due to:

1. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s death, which occurs before departure on Your Trip;

2. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s covered Sickness or Injury, which: a) occurs before departure on Your Trip, b) requires Medical Treatment at the time of cancellation resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and c) and prevents Your participation in the Trip;

a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

TRIP INTERRUPTION

Benefits will be paid, up to a) the Maximum Benefit Amount shown in the Schedule of Benefits; or b) 100% of the total amount of coverage You purchased, to reimburse You for the Prepaid Payments or Deposits for unused non-refundable land or water Travel Arrangements plus the Additional Transportation Cost paid:

a) to join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements by the most direct route possible to reach Your Trip destination; or

b) to rejoin Your Trip or transport You to Your originally scheduled return destination, if You must interrupt Your Trip after departure, each by the most direct route possible.

Trip Interruption must be due to:

1. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s death, which occurs while You are on Your Trip;

2. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and c) prevents Your continued participation on Your Trip;

a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date) served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

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40

RoundTrip Elite

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

Benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits to reimburse You for the amount of the Published Penalties and unused non-refundable Prepaid Payments or Deposits You paid for Travel Arrangements, including up to $75 for the cost of airline imposed fees to rebank frequent flyer miles for air flights to join Your Trip when You are prevented from taking Your Trip due to:

1. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s death, which occurs before departure on Your Trip;

2. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s covered Sickness or Injury, which: a) occurs before departure on Your Trip, b) requires Medical Treatment at the time of cancellation resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and c) and prevents Your participation in the Trip;

a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

TRIP INTERRUPTION

Benefits will be paid, up to a) the Maximum Benefit Amount shown in the Schedule of Benefits; or b) 150% of the total amount of coverage You purchased, to reimburse You for the Prepaid Payments or Deposits for unused non-refundable land or water Travel Arrangements plus the Additional Transportation Cost paid:

a) to join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements by the most direct route possible to reach Your Trip destination; or

b) to rejoin Your Trip or transport You to Your originally scheduled return destination, if You must interrupt Your Trip after departure, each by the most direct route possible.

Trip Interruption must be due to:

1. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s death, which occurs while You are on Your Trip;

2. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and c) prevents Your continued participation on Your Trip;

a.You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date) served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

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41

Wander Frequent Traveler Plus excl US

Included in Trip Interruption

Trip Interruption:

Maximum Benefit Amount: $5,000

The Company will reimburse You up to the amount set forth in the Schedule of Benefits for the cost of economy travel less the value of applied credit from an unused return travel ticket to return home to Your area of Primary Residence if You are unable to continue the Covered Trip due to the death of a parent, Spouse, sibling, or Your Child(ren) or due to serious damage to Your Primary Residence from fire or Natural Disaster. The Trip Interruption benefits must be arranged by Seven Corners Assist. Failure to utilize Seven Corners Assist may result in the denial of benefits. Additionally, the exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this section.

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42

RoundTrip Basic

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined:

1. Your, a Family Member’s, a Traveling Companion’s or Business Partner’s death that occurs before departure on Your Trip.

2. Your, a Family Member’s, a Traveling Companion’s or Business Partner’s Sickness or Injury, that:

a. occurs before departure on Your Trip;
b. is examined and treated by a Physician prior to cancellation; and
c. as certified by a Physician, results in medical restrictions so disabling as to cause You to cancel Your Trip.

Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause You to cancel Your Trip to assume daily management of the business.

3. You or Your Traveling Companion must cancel Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect.

Other Covered Events means:

1. You or Your Traveling Companion have Complications of Pregnancy, which is verified by medical records and occurs after the Effective Date of coverage;

12. You or Your Traveling Companion are hijacked or Quarantined;

16. Your Host at Your Scheduled Destination being unable to provide Accommodations due to a life-threating Sickness or Injury, or due to his/her death. You must provide official documentation of the event;

TRIP INTERRUPTION

If You must start Your Trip late or are unable to complete Your Trip, 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 paid to the Travel Supplier for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to:

a. join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or
b. rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or
c. transport You to Your originally scheduled Return Destination of Your Trip.

The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets. Note that reimbursement of non-refundable Payments or Deposits will be calculated/prorated on a daily basis less the cost of Your original airfare booked by You.

Trip Interruption must occur while coverage is in effect for You due to any of the following covered Unforeseen reasons, as defined:

1. Your, a Family Member’s, or a Traveling Companion’s, or a Business Partner’s death, which occurs while You are on Your Trip.
2. Your, a Family Member’s, or a Traveling Companion’s, or a Business Partner’s Sickness or Injury, that:
a. occurs while You are on Your Trip;
b. is examined and treated by a Physician prior to the time of interruption; and
c. as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on Your Trip.

Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause You to interrupt Your Trip to assume daily management of the business.

3. You or Your Traveling Companion must interrupt Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect.

Other Covered Events means:

1. You or Your Traveling Companion have Complications of Pregnancy which is verified by medical records and occurs while You or Your Traveling Companion are on Your Trip;

11. You or You Traveling Companion are hijacked or Quarantined;

15. Your Host at Your Scheduled Destination being unable to provide Accommodations due to a life-threating Sickness or Injury, or due to his/her death. Official documentation of the event must be provided;

Quarantined means You or Your Traveling Companion, Family Member, Business Partner are forced into medical isolation by a recognized government authority, their authorized deputies, medical examiners or Physician to prevent the spread of the disease due to You or Your Traveling Companion, Family Member, Business Partner either having, or being suspected of having a contagious disease, infection or contamination.

An embargo preventing You or Your Traveling Companion, Family Member, Business Partner from entering a country is not a quarantine.

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43

Travel Medical Basic incl US

Included in Trip Interruption

6.5 Trip Interruption

The Company will reimburse You up to the amount set forth in the Schedule of Benefits for the cost of economy travel less the value of applied credit from an unused return travel ticket to return home to Your area of Primary Residence if You are unable to continue the Trip due to the death of a parent, Spouse, sibling, or Your Child(ren) or due to serious damage to Your Primary Residence from fire or Natural Disaster.

The Trip Interruption benefits must be arranged by Seven Corners Assist. Failure to utilize Seven Corners Assist may result in the denial of benefits. Additionally, the exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this section.

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44

Travel Medical Basic excl US

Included in Trip Interruption

6.5 Trip Interruption.

The Company will reimburse You up to the amount set forth in the Schedule of Benefits for the cost of economy travel less the value of applied credit from an unused return travel ticket to return home to Your area of Primary Residence if You are unable to continue the Trip due to the death of a parent, Spouse, sibling, or Your Child(ren) or due to serious damage to Your Primary Residence from fire or Natural Disaster.

The Trip Interruption benefits must be arranged by Seven Corners Assist. Failure to utilize Seven Corners Assist may result in the denial of benefits. Additionally, the exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this section.

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45

Travel Medical Choice excl US

Included in Trip Interruption

6.5 Trip Interruption

The Company will reimburse You up to the amount set forth in the Schedule of Benefits for the cost of economy travel less the value of applied credit from an unused return travel ticket to return home to Your area of Primary Residence if You are unable to continue the Trip due to the death of a parent, Spouse, sibling, or Your Child(ren) or due to serious damage to Your Primary Residence from fire or Natural Disaster. The Trip Interruption benefits must be arranged by Seven Corners Assist.

Failure to utilize Seven Corners Assist may result in the denial of benefits. Additionally, the exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this section.

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46

Travel Medical Plus incl US

Included in Trip Interruption

6.5 Trip Interruption.

The Company will reimburse You up to the amount set forth in the Schedule of Benefits for the cost of economy travel less the value of applied credit from an unused return travel ticket to return home to Your area of Primary Residence if You are unable to continue the Trip due to the death of a parent, Spouse, sibling, or Your Child(ren) or due to serious damage to Your Primary Residence from fire or Natural Disaster. The Trip Interruption benefits must be arranged by Seven Corners Assist. Failure to utilize Seven Corners Assist may result in the denial of benefits.

Additionally, the exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this section.

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47

Travel Medical Plus excl US

Included in Trip Interruption

6.5 Trip Interruption.

The Company will reimburse You up to the amount set forth in the Schedule of Benefits for the cost of economy travel less the value of applied credit from an unused return travel ticket to return home to Your area of Primary Residence if You are unable to continue the Trip due to the death of a parent, Spouse, sibling, or Your Child(ren) or due to serious damage to Your Primary Residence from fire or Natural Disaster.

The Trip Interruption benefits must be arranged by Seven Corners Assist. Failure to utilize Seven Corners Assist may result in the denial of benefits. Additionally, the exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this section.

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Policy Name and Summary of Coverage
48

Economy

Included in Trip Cancellation and Trip Interruption

Benefit will be provided for loss(es) incurred by You for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events:

Medical / Health

a) Any serious Injury, death, or Sickness;

(1) Occurring to You or a Traveling Companion that is so disabling as to cause a reasonable person to cancel or interrupt their Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip;

Political / Violence

a) You, or a Traveling Companion are hijacked, quarantined, subpoenaed, or required to serve on a jury;

“Quarantined” means a period of medically imposed isolation that is issued by the treating Physician to stop the spread of a contagious disease or Sickness which they have been diagnosed with or exposed to.

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49

Standard

Included in Trip Cancellation and Trip Interruption

Benefit will be provided for loss(es) incurred by You for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events:

Medical / Health

a) Any serious Injury, death, or Sickness;

(1) Occurring to You or a Traveling Companion, a Family Member traveling with You, that is so disabling as to cause a reasonable person to cancel or interrupt their Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip;

(2) Occurring to a Family Member not traveling with the You that is considered life-threatening, as certified by a Physician or they require Your immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;

(3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician;

Political / Violence

a) You, or a Traveling Companion are hijacked, quarantined, subpoenaed, or required to serve on a jury;

“Quarantined” means a period of medically imposed isolation that is issued by the treating Physician to stop the spread of a contagious disease or Sickness which they have been diagnosed with or exposed to.

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50

Luxury

Included in Trip Cancellation and Trip Interruption

Benefit will be provided for loss(es) incurred by the Insured for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events:

Medical / Health

a) Any serious Injury, death, or Sickness;

(1) Occurring to You or a Traveling Companion, a Family Member traveling with You, that is so disabling as to cause a reasonable person to cancel or interrupt their Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip;

(2) Occurring to a Family Member not traveling with the You that is considered life-threatening, as certified by a Physician or they require Your immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;

(3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician;

(4) Sickness, Injury, death or hospitalization occurring to Your Host at Your Destination. A Physician must certify the Sickness or Injury;

Political / Violence

a) You or a Traveling Companion are hijacked, quarantined, subpoenaed, or required to serve on a jury;

“Quarantined” means a period of medically imposed isolation that is issued by the treating Physician to stop the spread of a contagious disease or Sickness which they have been diagnosed with or exposed to.

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51

Adventure

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION AND INTERRUPTION

Benefit will be provided for loss(es) incurred by You for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events:

Medical / Health

a) Any serious Injury, death, or Sickness;

(1) Occurring to You or a Traveling Companion, a Family Member traveling with You, that is so disabling as to cause a reasonable person to cancel or interrupt their Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip;

(2) Occurring to a Family Member not traveling with the You that is considered life-threatening, as certified by a Physician or they require Your immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;

(3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician;

(4) Sickness, Injury, death or hospitalization occurring to Your Host at Your Destination. A Physician must certify the Sickness or Injury;

Political / Violence

a) You or a Traveling Companion are hijacked, quarantined, subpoenaed, or required to serve on a jury;

“Quarantined” means a period of medically imposed isolation that is issued by the treating Physician to stop the spread of a contagious disease or Sickness which they have been diagnosed with or exposed to.

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52

Gold

Included in Trip Cancellation and Trip Interruption

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy. Maximum trip length is also shown on the Schedule of Benefits.

a) Your Accidental Injury, Covered Sickness or death or the Accidental Injury, Covered Sickness or death of Your Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; that results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) An Accidental Injury incurred by You that causes You to be medically unable to continue Your trip’s activity(ies). An actual examination by a Physician must take place and the Physician must advise You to discontinue the trip’s activity(ies).

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53

Basic

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

We will pay you up to the maximum amount shown in the schedule of benefits for loss(es) incurred by you or your traveling companion for a covered trip cancelled up to the date and time of departure due to any of the following unforeseen events:

Health and Family

a. Any injury, death, or any unforeseen serious medical condition or sickness;

1. Occurring to you, your traveling companion or a family member traveling with you, that is so disabling as to cause a reasonable person to delay, cancel or interrupt their covered trip or which results in medically imposed restrictions as certified by a physician at the time of loss preventing your continued use of the covered trip;

2. Occurring to a family member not traveling with you that is considered life-threatening, as certified by a physician. Such disability must be so disabling as to reasonably cause a covered trip to be canceled and must be certified by a physician; or

b. You or your traveling companion have complications of pregnancy. The onset of these conditions must occur after your effective date of coverage and must be verified by medical records.

TRIP INTERRUPTION

We will pay you up to the maximum amount shown in the schedule of benefit for loss(es) incurred by you or your traveling companion for a covered trip interrupted after the date and time of departure due to any of the following unforeseen events:

Health and Family

a. Any injury, death, or sickness;

1. Occurring to you, your traveling companion or a family member traveling with you, that is so disabling as to cause a reasonable person to interrupt their covered trip or which results in medically imposed restrictions as certified by a physician at the time of loss preventing your continued use of the covered trip;

2. Occurring to a family member not traveling with you that is considered life-threatening, as certified by a physician. Such disability must be so disabling as to reasonably cause a covered trip to be interrupted and must be certified by a physician; or

b. You or your traveling companion have complications of pregnancy. The onset of these conditions must occur after your effective date and must be verified by medical records.
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54

Platinum

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

We will pay you up to the maximum amount shown in the schedule of benefits for loss(es) incurred by you or your traveling companion for a covered trip cancelled up to the date and time of departure due to any of the following unforeseen events:

Health and Family

a. Any injury, death or any unforeseen serious medical condition or sickness;

1. Occurring to you, your traveling companion or a family member traveling with you, that is so disabling as to cause a reasonable person to cancel their covered trip or which results in medically imposed restrictions as certified by a physician at the time of loss preventing your continued use of the covered trip;

2. Occurring to a family member not traveling with you that is considered life- threatening, as certified by a physician. Such disability must be so disabling as to reasonably cause a covered trip to be canceled and must be certified by a physician;

3. Occurring to a business partner that is so disabling as to cause a reasonable person to cancel their covered trip to assume daily management of the business. Such disability must be certified by a physician;

4. Sickness, injury, death or hospitalization occurring to your host at destination. A physician must certify the sickness or injury; or

5. Occurring to a childcare provider if there is no other substitute for the childcare provider. A physician must certify the sickness or injury;

b. You will be attending a family member’s or surrogate mother’s childbirth. The pregnancy must occur after the effective date and must be verified by medical records;

c. You or your traveling companion have complications of pregnancy. The onset of these conditions must occur after your effective date of coverage and must be verified by medical records; or

d. You are on a list as a donor or recipient for an organ transplant and, after the effective date, receive official notification that an organ match is available for immediate transplant. The transplant must be considered medically necessary, and a physician must confirm that the transplant and/or surgery is so disabling as to prevent travel.

TRIP INTERRUPTION

We will pay you up to the maximum amount shown in the schedule of benefits for loss(es) incurred by you or your traveling companion for a covered trip interrupted after the date and time of departure due to any of the following unforeseen events:

Health and Family

a. Any injury, death, or any unforeseen serious medical condition or sickness;

1. Occurring to you, your traveling companion, or a family member traveling with you, that is so disabling as to cause a reasonable person to interrupt their covered trip or which results in
medically imposed restrictions as certified by a physician at the time of loss preventing your continued participation in the covered trip;

2. Occurring to a family member not traveling with you that is considered life-threatening, as certified by a physician or they require your immediate care. Such disability must be so disabling as to reasonably cause a covered trip to be interrupted and must be certified by a physician;

3. Occurring to a business partner that is so disabling as to cause a reasonable person to interrupt their covered trip to assume daily management of the business. Such disability must be certified by a physician;

4. Sickness, injury, death or hospitalization occurring to your host at destination. A physician must certify the sickness or injury; or

5. Occurring to a childcare provider if there is no other substitute for the childcare provider. A physician must certify the sickness or injury;

b. You will be attending an immediate family member’s or surrogate mother’s childbirth. The pregnancy must occur after the effective date and must be verified by medical records;

c. You or your traveling companion have complications of pregnancy or a normal pregnancy or childbirth. The onset of these conditions must occur after your effective date and must be verified by medical records; or

d. You are on a list as a donor or recipient for an organ transplant and, after the effective date, receive official notification that an organ match is available for immediate transplant. The transplant must be considered medically necessary, and a physician must confirm that the transplant and/or surgery is so disabling as to prevent travel.

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55

USA Only

Included in Trip Cancellation and Trip Interruption

Benefit will be provided for loss(es) incurred by You for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events:

Medical / Health

a) Any serious Injury, death, or Sickness;

(1) Occurring to You or a Traveling Companion that is so disabling as to cause a reasonable person to cancel or interrupt their Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip;

Political / Violence

a) You, or a Traveling Companion are hijacked, quarantined, subpoenaed, or required to serve on a jury;

“Quarantined” means a period of medically imposed isolation that is issued by the treating Physician to stop the spread of a contagious disease or Sickness which they have been diagnosed with or exposed to.

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56

Silver

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

We will reimburse You, up to the amount shown on the Schedule of Benefits, for Trip Cancellation Covered Expenses, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below. The Event must occur before You depart on Your Covered Trip and while Your coverage is in effect under this Policy.

Trip Cancellation Covered Expenses

a. Forfeited, Prepaid, non-refundable, and non-refunded published Payments or Deposits that You paid for Your unused Trip. Should You elect to reschedule Your Trip instead of cancelling, in lieu of covering these expenses We will pay for Change Fees charged by Your Travel Supplier;

b. Fees incurred by You to reinstate any of the following used to pay for any part of Your Trip: traveler awards, frequent flyer miles or Hotel/Motel rewards;

c. Airfare cancellation charges for flights in connection with Your Trip.

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

The following are the Unforeseen Events for Trip Cancellation:

Health and Family

1. Any Injury or Sickness:

Suffered by You, Your Traveling Companion or Your or Your Traveling Companion’s Immediate Family Member, that is so disabling as to cause a reasonable person to cancel the Covered Trip;

2. An Accidental Injury suffered by You that causes You to be medically unable to continue Your Covered Trip’s activity(ies). An actual examination by a Physician must take place and the Physician must advise You to discontinue the Trip’s activity(ies).

3. Your Death or the Death of Your Traveling Companion or Your Immediate Family Member.

16. You and/or Your Traveling Companion are Quarantined.

TRIP INTERRUPTION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from continuing or resuming Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy.

Trip Interruption Covered Expenses

a. Forfeited, prepaid, non-refundable, and non-refunded published Payments that You paid for Your unused Land/Sea/Air Arrangements;

b. Airfare cancellation charges for flights in connection with Your Trip;

c. Additional transportation expenses incurred to reach the Return Destination. Benefits will not exceed the cost of airfare (the same class airfare on which You were originally booked) less any refunds paid or payable;

d. Additional transportation expenses incurred by You, for travel by the most direct route to:

i Your scheduled Destination if Your departure is delayed and You leave after the Scheduled Departure Date and time;
ii Rejoin Your Trip in progress from the point where You interrupted Your Trip;
iii The Return Destination of Your Trip.

Benefits payable for additional transportation expenses will not exceed the cost of airfare (the same class airfare on which You were originally booked) less any refunds paid or payable.

The following are the Unforeseen Events for Trip Interruption:

Health and Family

1. Any Injury or Sickness:

Suffered by You, Your Traveling Companion or Your or Your Traveling Companion’s Immediate Family Member, that is so disabling as to cause a reasonable person to interrupt the Covered Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Covered Trip;

2. Your Death or the Death of Your Traveling Companion or Your Immediate Family Member.

3. An Accidental Injury incurred by You that causes You to be medically unable to continue Your Covered Trip’s activity(ies). An actual examination by a Physician must take place and the Physician must advise You to discontinue the Trip’s activity(ies).

15. You and/or Your Traveling Companion are Quarantined.

Quarantine means a mandatory confinement, intended to stop the spread of a contagious disease to which You or Your Traveling Companion may have been exposed. Quarantine does not include stay at home, shelter in place or other similar orders issued to the general public by local, state, or federal authorities.

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Travel Insured International Travel Insured International
Policy Name and Summary of Coverage
57

Worldwide Trip Protector Plus

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

Benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, to reimburse You for the amount of the Published Penalties and unused non-refundable Prepaid Payments You paid for Travel Arrangements when You are prevented from taking Your Trip due to:

1. Your, Your Family Member’s, Your Traveling Companion’s, Your Traveling Companion’s Family Member, Your Business Partner’s or Your Business Partners Family Member’s death, which occurs before departure on Your Trip;

2. Your, Your Family Member’s, Your Traveling Companion’s, Your Traveling Companion’s Family Member, Your Business Partner’s or Your Business Partners Family Member’s covered Sickness or Injury, which: a) occurs before departure on Your Trip, b) requires Medical Treatment at the time of cancellation resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and c) and prevents Your participation in the Trip;

TRIP INTERRUPTION

Benefits will be paid, up to the lesser of a) the Maximum Benefit Amount shown in the Confirmation of Benefits; or b) 150% of the total amount of coverage You purchased, to reimburse You for the Prepaid Payments for unused non-refundable Travel Arrangements plus the Additional Transportation Cost paid:

a) to join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements by the most direct route possible to reach Your Trip destination (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket); or

b) to rejoin Your Trip or transport You to Your originally scheduled return destination, if You must interrupt Your Trip after departure, each by the most direct route possible. (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket)

Trip Interruption must be due to:

1. Your, Your Family Member’s, Your Traveling Companion’s, Your Traveling Companion’s Family Member, Your Business Partner’s or Your Business Partners Family Member’s death, which occurs while You are on Your Trip;

2. Your, Your Family Member’s, Your Traveling Companion’s, Your Traveling Companion’s Family Member, Your Business Partner’s or Your Business Partners Family Member’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b)requires Medical Treatment at the time of interruption resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and c) prevents Your continued participation on Your Trip;

“Other Covered Reasons” means:

a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

n. Your family or friends living abroad with whom You are planning to stay are unable to provide accommodations due to life threatening illness, life threatening injury or death of one of them;

v. Your or Your Traveling Companion’s normal pregnancy or attending the childbirth of Your Family Member. The pregnancy must occur after the Policy Effective Date and be verified by medical records;

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58

Worldwide Trip Protector

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined:

1. Your, a Family Member’s, a Traveling Companion’s, a Service Animal’s, Traveling Companion’s Family Member’s, Business Partner’s or Business Partner’s Family Member’s, death that occurs before departure on Your Trip; or

2. Your, a Family Member’s, a Traveling Companion’s, a Service Animal’s, Traveling Companion’s Family Member’s, Business Partner’s or Business Partner’s Family Member’s, Sickness or Injury, that:

a. occurs before departure on Your Trip;
b. is examined and treated by a Physician or Veterinarian prior to cancellation unless it is not reasonably possible to do so; and
c. as certified by a Physician, results in medical restrictions so disabling as to cause You to cancel Your Trip.

3. You or Your Traveling Companion must cancel Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect:

Other Covered Events means:

1. You or Your Traveling Companion must cancel Your Trip due to a normal pregnancy or childbirth. The date of conception, as verified by medical records, must occur after Your Effective Date for Trip Cancellation;

2. You or Your Traveling Companion are attending the childbirth of Your Family Member or surrogate mother, provided the conception occurs after Your Effective Date for Trip Cancellation and must be verified by medical records;

3. You or Your Traveling Companion are suffering a Mental, Nervous or Psychological condition or disorders which require Hospitalization or Partial Hospitalization. Hospitalization or Partial Hospitalization must be for at least 1 or more days before Your Scheduled Trip. A Physician must certify the condition as preventing You or Your Traveling Companion from: going on the Trip;

12. You or Your Traveling Companion are hijacked or Quarantined;

16. Your Host at Your Scheduled Destination being unable to provide Accommodations due to a life-threating Sickness or Injury, or due to his/her death;

TRIP INTERRUPTION

If You must start Your Trip late or are unable to complete Your Trip, 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 paid for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to:

a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements;

b) rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or

c) transport You to Your originally scheduled Return Destination of Your Trip;

The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets.

Trip Interruption must occur while coverage is in effect for You due to any of the following covered Unforeseen reasons, as defined:

1. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, a Business Partner’s Family Member’s, or a Service Animal’s death, which occurs while You are on Your Trip; or

2. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, a Business Partner’s Family Member’s, or a Service Animal’s Sickness or Injury, that:

a) occurs while You are on Your Trip;

b) is examined and treated by a Physician or Veterinarian prior to the time of interruption unless it is not reasonably possible to do so; and

c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on Your Trip;

3. You or Your Traveling Companion must interrupt Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect:

Other Covered Events means:

1. You or Your Traveling Companion must interrupt Your Trip due to a normal pregnancy or childbirth. The date of conception as verified by medical records must occur after Your Effective Date for Trip Cancellation;

2. You or Your Traveling Companion are attending the childbirth of Your Family Member or surrogate mother, provided the conception occurs after Your Effective Date for Trip Cancellation and must be verified by medical records;

9. You or You Traveling Companion are hijacked or Quarantined;

13. Your Host at Your Scheduled Destination being unable to provide Accommodations due to a life-threating Sickness or Injury, or due to his/her death;

27. If You cannot continue on Your Trip due to a covered Injury or Sickness not requiring Hospitalization and You must extend Your Trip due to medically imposed restrictions, as certified by a treating Physician, benefits will be paid for additional hotel nights, meal(s), telephone call(s) and local transportation expenses until You are Medically Fit to Travel;

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59

Worldwide Trip Protector Edge

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined:

1. Your, a Family Member’s, a Traveling Companion’s, Traveling Companion’s Family Member’s, Business Partner’s or Business Partner’s Family Member’s, death that occurs before departure on Your Trip; or

2. Your, a Family Member’s ,a Traveling Companion’s, Traveling Companion’s Family Member’s, Business Partner’s or Business Partner’s Family Member’s, Sickness or Injury, that:
a. occurs before departure on Your Trip;
b. is examined and treated by a Physician prior to cancellation unless it is not reasonably possible to do so; and
c. as certified by a Physician, results in medical restrictions so disabling as to cause You to cancel Your Trip.

3. You or Your Traveling Companion must cancel Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect:

Other Covered Events means:

1. You or Your Traveling Companion must cancel Your Trip due to a normal pregnancy or childbirth. The date of conception, as verified by medical records, must occur after Your Effective Date for Trip Cancellation;

2. You or Your Traveling Companion are suffering a Mental, Nervous or Psychological condition or disorders which require Hospitalization or Partial Hospitalization. Hospitalization or Partial Hospitalization must be for at least 1 or more days before Your Scheduled Trip. A Physician must certify the condition as preventing You or Your Traveling Companion from: going on the Trip;

7. You or Your Traveling Companion are hijacked or Quarantined;

11. Your Host at Your Scheduled Destination being unable to provide Accommodations due to a life-threating Sickness or Injury, or due to his/her death;

TRIP INTERRUPTION

If You must start Your Trip late or are unable to complete Your Trip, 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 paid for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to:

a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; b) rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or c) transport You to Your originally scheduled Return Destination of Your Trip;

The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets.

Trip Interruption must occur while coverage is in effect for You due to any of the following covered Unforeseen reasons, as defined:

1. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Business Partner’s Family Member’s death, which occurs while You are on Your Trip; or

2. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Business Partner’s Family Member’s Sickness or Injury, that:
a) occurs while You are on Your Trip;
b) is examined and treated by a Physician prior to the time of interruption unless it is not reasonably possible to do so; and
c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on YourTrip;

3. You or Your Traveling Companion must interrupt Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect:

Other Covered Events means:

1. You or Your Traveling Companion must interrupt Your Trip due to a normal pregnancy or childbirth. The date of conception as verified by medical records must occur after Your Effective Date for Trip Cancellation;

6. You or You Traveling Companion are hijacked or Quarantined;

10. Your Host at Your Scheduled Destination being unable to provide Accommodations due to a life-threating Sickness or Injury, or due to his/her death;

Quarantined means You or Your Traveling Companion are forced into strict medical isolation by a recognized government authority, their authorized deputies, medical examiners or Physician to prevent the spread of the disease
due to You or Your Traveling Companion either having, or being suspected of having an contagious disease, infection or contamination.

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Travelex Insurance Services Travelex Insurance Services
Policy Name and Summary of Coverage
60

Travel Basic

Included in Trip Cancellation and Trip Interruption

Benefit will be provided for loss(es) incurred by You for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events:

Medical / Health

a) Any serious Injury, death, or Sickness;

1) Occurring to You or a Traveling Companion, a Family Member traveling with You, that is so disabling as to cause a reasonable person to cancel or interrupt their Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip;

2) Occurring to a Family Member not traveling with the You that is considered life-threatening, as certified by a Physician or they require Your immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;

3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician;

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61

Travel Select

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION AND INTERRUPTION

Benefit will be provided for loss(es) incurred by You for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events:

Medical / Health

a) Any serious Injury, death, or Sickness;

(1) Occurring to You or a Traveling Companion, a Family Member traveling with You, that is so disabling as to cause a reasonable person to cancel or interrupt their Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip;

(2) Occurring to a Family Member not traveling with the You that is considered life-threatening, as certified by a Physician or they require Your immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;

(3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician;

(4) Sickness, Injury, death or hospitalization occurring to Your Host at Your Destination. A Physician must certify the Sickness or Injury;

b) You, your spouse, or Domestic Partner must cancel Your Trip due to a Normal Pregnancy or Childbirth. Date of conception as calculated by a licensed OB-GYN must occur after Your effective date of coverage;

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62

Flight Insure Plus

No coverage

There is no Cancel For Medical Reasons coverage with this plan.

TravelSafe TravelSafe
Policy Name and Summary of Coverage
63

Basic

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined:

1. Your, a Family Member’s, a Traveling Companion’s or Business Partner’s, death that occurs before departure on Your Trip;

2. Your, a Family Member’s, a Traveling Companion’s or Business Partner’s, Sickness or Injury, that:

a. occurs before departure on Your Trip;
b. is examined and treated by a Physician prior to cancellation unless it is not reasonably possible to do so; and
c. as certified by a Physician, results in medical restrictions so disabling as to cause You to cancel Your Trip.

Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause You to cancel Your Trip to assume daily management of the business;

3. Sickness, Injury, death or Hospitalization of Your Child Caregiver, which results in medically imposed restrictions as certified by a Physician at the time of loss preventing You from participating in the Trip. A Physician must advise the Child Caregiver is unable to provide basic childcare services while You are on Your Trip or before the Scheduled Departure Date.

9. You or Your Traveling Companion are hijacked or Quarantined;

TRIP INTERRUPTION

If You must start Your Trip late or are unable to complete Your Trip, 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 paid for the land or water Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to either:

a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or
b) rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or
c) transport You to Your originally scheduled Return Destination of Your Trip.

Trip Interruption must occur while coverage is in effect for You due to any of the following covered Unforeseen reasons, as defined:

1. Your, a Family Member’s, or a Traveling Companion’s, or a Business Partner’s, death, which occurs while You are on Your Trip; or

2. Your, a Family Member’s, or a Traveling Companion’s, or a Business Partner’s, Sickness or Injury, that:

a) occurs while You are on Your Trip;
b) is examined and treated by a Physician prior to the time of interruption unless it is not reasonably possible to do so; and
c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on Your Trip;

Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause You to interrupt Your Trip to assume daily management of the business.

3. Sickness, Injury, death or Hospitalization of Your Child Caregiver, which results in medically imposed restrictions as certified by a Physician at the time of loss preventing You from continuing on Your Trip. A Physician must advise the Child Caregiver is unable to provide basic childcare services while You are on Your Trip.

8. You or You Traveling Companion are hijacked or Quarantined;

Quarantined means You or Your Traveling Companion are forced into isolation by a recognized government authority, their authorized deputies, medical examiners or Physician to prevent the spread of the disease due to You or Your Traveling Companion, either having, or being suspected of having an contagious disease, infection or contamination. An embargo preventing You or Your Traveling Companion from entering a country is not a quarantine.

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64

Classic

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined:

1. Your, a Family Member’s, a Traveling Companion’s or Business Partner’s, death that occurs before departure on Your Trip;

2. Your, a Family Member’s, a Traveling Companion’s or Business Partner’s, Sickness or Injury, that:

a. occurs before departure on Your Trip;
b. is examined and treated by a Physician prior to cancellation unless it is not reasonably possible to do so; and
c. as certified by a Physician, results in medical restrictions so disabling as to cause You to cancel Your Trip.

Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause You to cancel Your Trip to assume daily management of the business;

3. Sickness, Injury, death or Hospitalization of Your Child Caregiver, which results in medically imposed restrictions as certified by a Physician at the time of loss preventing You from participating in the Trip. A Physician must advise the Child Caregiver is unable to provide basic childcare services while You are on Your Trip or before the Scheduled Departure Date.

4. You or Your Traveling Companion must cancel Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect:

Other Covered Events means:

1. You have Complications of Pregnancy, which is verified by medical records and occurs after the Effective Date of coverage;

2. You or Your Traveling Companion are suffering a Mental, Nervous or Psychological condition or disorders which require Hospitalization or Partial Hospitalization. Hospitalization or Partial Hospitalization must be for at least 1 or more days before Your Scheduled Trip. A Physician must certify the condition as preventing You or Your Traveling Companion from going on the Trip.

12. You or Your Traveling Companion are hijacked or Quarantined;

16. Your Host at Your Scheduled Destination being unable to provide Accommodations due to a life-threatening Sickness or Injury, or due to his/her death. You must provide official documentation of the event;

TRIP INTERRUPTION

If You must start Your Trip late or are unable to complete Your Trip, 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 paid for the land or water Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to either:

a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or
b) rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or
c) transport You to Your originally scheduled Return Destination of Your Trip.

Trip Interruption must occur while coverage is in effect for You due to any of the following covered Unforeseen reasons, as defined:

1. Your, a Family Member’s, or a Traveling Companion’s, or a Business Partner’s, death, which occurs while You are on Your Trip; or

2. Your, a Family Member’s, or a Traveling Companion’s, or a Business Partner’s, Sickness or Injury, that:
a) occurs while You are on Your Trip;
b) is examined and treated by a Physician prior to the time of interruption unless it is not reasonably possible to do so;
and
c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on Your Trip;
3 Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause You to interrupt Your Trip to assume daily management of the business.

4 Sickness, Injury, death or Hospitalization of Your Child Caregiver, which results in medically imposed restrictions as certified by a Physician at the time of loss preventing You from continuing on Your Trip. A Physician must advise the Child Caregiver is unable to provide basic childcare services while You are on Your Trip.

5 You or Your Traveling Companion must interrupt Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect:

Other Covered Events means:

1. You have Complications of Pregnancy which is verified by medical records and occurs while You are on Your Trip;

10. You or You Traveling Companion are hijacked or Quarantined;

14. Your Host at Your Scheduled Destination being unable to provide Accommodations due to a life-threatening Sickness or Injury, or due to his/her death. Official documentation of the event must be provided;

26. If You cannot continue on Your Trip due to a covered Injury or Sickness not requiring Hospitalization and You must extend Your Trip due to medically imposed restrictions, as certified by a treating Physician, benefits will be paid for additional hotel nights, meal(s) and local transportation expenses until You are Medically Fit to Travel up to $150 per day, limited to 5 days.

Quarantined means You or Your Traveling Companion are forced into isolation by a recognized government authority, their authorized deputies, medical examiners or Physician to prevent the spread of the disease due to You or Your Traveling Companion, either having, or being suspected of having an contagious disease, infection or contamination.

An embargo preventing You or Your Traveling Companion from entering a country is not a quarantine

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65

Classic Plus

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

Benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, to reimburse You for the amount of unused non-refundable Prepaid Payments or Deposits You paid for Travel Arrangements, including up to $300 for the cost of airline-imposed fees to rebank frequent flyer miles for air flights to join Your Trip when You are prevented from taking Your Trip due to:

1. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s death, which occurs before departure on Your Trip;

2. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s covered Sickness or Injury, which: a) occurs before departure on Your Trip, b) requires Medical Treatment at the time of cancellation resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and c) and prevents Your participation in the Trip;

a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

p. Your family or friends living abroad with whom You are planning to stay are unable to provide accommodations due to life threatening illness, life threatening injury or death of one of them;

TRIP INTERRUPTION

Benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits for unused non-refundable land or water Travel Arrangements plus the Additional Transportation Cost paid:

a) to join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements by the most direct route possible to reach Your Trip destination; or

b) to rejoin Your Trip or transport You to Your originally scheduled return destination, if You must interrupt Your Trip after departure, each by the most direct route possible.

Trip Interruption must be due to:

1. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s death, which occurs while You are on Your Trip;

2. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and c) prevents Your continued participation on Your Trip;

a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

p. Your family or friends living abroad with whom You are planning to stay are unable to provide accommodations due to life threatening illness, life threatening injury or death of one of them;
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Trawick International Trawick International
Policy Name and Summary of Coverage
66

Safe Travels International excl US

Included in Trip Interruption

TRIP INTERRUPTION

Benefits are payable for reimbursement of the cost of a one-way economy air and/or ground transportation ticket if the Covered Person’s Trip is interrupted as the result of:

1. the death of an Immediate Family Member; or

2. the Covered Person’s unforeseen Sickness or Injury or, the Sickness or Injury of a Traveling Companion or Immediate Family Member. The Sickness or Injury must be so disabling as to reasonably cause a Trip to be interrupted; or

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67

Safe Travels International Cost Saver excl US

Included in Trip Interruption

TRIP INTERRUPTION

Benefits are payable for reimbursement of the cost of a one-way economy air and/or ground transportation ticket if the Covered Person’s Trip is interrupted as the result of:

1. the death of an Immediate Family Member; or

2. the Covered Person’s unforeseen Sickness or Injury or, the Sickness or Injury of a Traveling Companion or Immediate Family Member. The Sickness or Injury must be so disabling as to reasonably cause a Trip to be interrupted;

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68

Safe Travels USA Cost Saver

Included in Trip Interruption

TRIP INTERRUPTION

Benefits are payable for reimbursement of the cost of a one-way economy air and/or ground transportation ticket if the Covered Person’s Trip is interrupted as the result of:

1. the death of an Immediate Family Member; or

2. the Covered Person’s unforeseen Sickness or Injury or, the Sickness or Injury of a Traveling Companion or Immediate Family Member. The Sickness or Injury must be so disabling as to reasonably cause a Trip to be interrupted;

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69

Safe Travels USA Comprehensive

Included in Trip Interruption

TRIP INTERRUPTION

Benefits are payable for reimbursement of the cost of a one-way economy air and/or ground transportation ticket if the Covered Person’s Trip is interrupted as the result of:

1. the death of an Immediate Family Member; or

2. the Covered Person’s unforeseen Sickness or Injury or, the Sickness or Injury of a Traveling Companion or Immediate Family Member. The Sickness or Injury must be so disabling as to reasonably cause a Trip to be interrupted;

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70

Safe Travels Single Trip

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination within thirty (30) days of the date of Your Trip

12. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury, or subpoenaed within ten (10) days of departure; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your Home within ten (10) days of departure.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination during Your trip.

12. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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71

Safe Travels First Class

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination within thirty (30) days of the date of Your Trip.

12. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury, or subpoenaed within ten (10) days of departure; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your Home within ten (10) days of departure.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination during Your trip.

12. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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72

Safe Travels Outbound excl US

Included in Trip Interruption

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

5. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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73

Safe Travels Outbound Cost Saver excl US

Included in Trip Interruption

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified
by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

5. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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74

Safe Travels Annual Executive

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You are prevented from taking a Trip for any of the following reasons that are Unforeseen and takes place after the Effective Date:

Your Sickness, Accidental Injury or death, occurring within thirty (30) days of the date of Your Trip that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.

Sickness, Accidental Injury or death of a Family Member or Traveling Companion, occurring within thirty (30) days of Your Trip, booked to travel with You, that results in medically imposed restrictions as certified by a Physician preventing that person’s participation in the Trip.

Sickness, Accidental Injury or death of a non-traveling Family Member.

The death or Hospitalization of Your Host at Destination within thirty (30) days of the date of Your Trip.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You join Your Trip after departure or are unable to continue on the covered Trip due to any of the following reasons that are Unforeseen and takes place after departure:

Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that results in medically imposed restrictions as certified by a Physician preventing that person’s continued participation in the Trip.

Sickness, Accidental Injury or death of a non-traveling Family Member.

The death of Hospitalization of Your Host at Destination.

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75

Safe Travels Annual Deluxe

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You are prevented from taking a Trip for any of the following reasons that are Unforeseen and takes place after the Effective Date:

Your Sickness, Accidental Injury or death, occurring within thirty (30) days of the date of Your Trip that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.

Sickness, Accidental Injury or death of a Family Member or Traveling Companion, occurring within thirty (30) days of Your Trip, booked to travel with You, that results in medically imposed restrictions as certified by a Physician preventing that person’s participation in the Trip.

Sickness, Accidental Injury or death of a non-traveling Family Member.

The death or Hospitalization of Your Host at Destination within thirty (30) days of the date of Your Trip.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You join Your Trip after departure or are unable to continue on the covered Trip due to any of the following reasons that are Unforeseen and takes place after departure:

Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that results in medically imposed restrictions as certified by a Physician preventing that person’s continued participation in the Trip.

Sickness, Accidental Injury or death of a non-traveling Family Member.

The death of Hospitalization of Your Host at Destination.

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76

Safe Travels Annual Basic

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You are prevented from taking a Trip for any of the following reasons that are Unforeseen and takes place after the Effective Date:

Your Sickness, Accidental Injury or death, occurring within thirty (30) days of the date of Your Trip that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.

Sickness, Accidental Injury or death of a Family Member or Traveling Companion, occurring within thirty (30) days of Your Trip, booked to travel with You, that results in medically imposed restrictions as certified by a Physician preventing that person’s participation in the Trip.

Sickness, Accidental Injury or death of a non-traveling Family Member

The death or Hospitalization of Your Host at Destination within thirty (30) days of the date of Your Trip.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You join Your Trip after departure or are unable to continue on the covered Trip due to any of the following reasons that are Unforeseen and takes place after departure:

Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that results in medically imposed restrictions as certified by a Physician preventing that person’s continued participation in the Trip.

Sickness, Accidental Injury or death of a non-traveling Family Member.

The death of Hospitalization of Your Host at Destination.

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77

Safe Travels Explorer

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

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78

Safe Travels Journey

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. Your or Your Family Member’s, or Your Traveling Companion’s or Traveling Companion’s Family Member’s, Complications of Pregnancy that result in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your or Your Traveling Companion’s participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. Your or Your Family Member’s, or Your Traveling Companion’s or Your Traveling Companion’s Family Member’s Complications of Pregnancy that result in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your or Your Traveling Companion’s continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

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79

Safe Travels Voyager

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. Your or Your Family Member’s, or Your Traveling Companion’s or Traveling Companion’s Family Member’s, Complications of Pregnancy that result in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your or Your Traveling Companion’s participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.)occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. Your or Your Family Member’s, or Your Traveling Companion’s or Your Traveling Companion’s Family Member’s Complications of Pregnancy that result in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your or Your Traveling Companion’s continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

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80

Safe Travels Explorer Plus

Included in Trip Cancellation and Trip Interruption

TRIP CANCELLATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

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USI Affinity Travel Insurance Services USI Affinity Travel Insurance Services
Policy Name and Summary of Coverage
81

Ruby

Included in Trip Cancellation and Trip Interruption

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy.

a) Your Accidental Injury, Covered Sickness or death or the Accidental Injury, Covered Sickness or death of Your Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; that results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) An Accidental Injury incurred by You that causes You to be medically unable to continue Your trip’s activity(ies). An actual examination by a Physician must take place and the Physician must advise You to discontinue the trip’s activity(ies).

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82

Diamond

Included in Trip Cancellation and Trip Interruption

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy. Maximum trip length is also shown on the Schedule of Benefits.

a) Your Accidental Injury, Covered Sickness or death or the Accidental Injury, Covered Sickness or death of Your Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; that results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) An Accidental Injury incurred by You that causes You to be medically unable to continue Your trip’s activity(ies). An actual examination by a Physician must take place and the Physician must advise You to discontinue the trip’s activity(ies).

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WorldTrips WorldTrips
Policy Name and Summary of Coverage
83

Atlas Journey Economy

Included in Trip Cancellation and Trip Interruption

Trip Cancellation

If You cancel Your Trip prior to departure due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the amount of unused, non-refundable, Pre-paid Payments or Deposits for the Travel Arrangements You purchased for Your Trip.

We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the additional single supplement cost You must pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is cancelled for one of the covered Unforeseen reasons listed below and You do not cancel Your Trip.

If You cancel due to a covered Unforeseen reason, and You used frequent traveler awards, such as frequent flier miles or hotel rewards, for any part of Your Trip, We will reimburse You for the fees You pay up to the Maximum Benefit Amount listed in the Schedule of Benefits to re-deposit those miles or rewards in Your account.

If You cancel or reschedule Your Trip due to a covered Unforeseen reason, We will reimburse You up to the sub-limit listed in the Schedule of Benefits for the reissue fee paid to the airline to change Your tickets.

Payable benefit amounts are reduced by any refunds or reimbursements to which You are entitled from any Travel Supplier, whether You requested reimbursement or not. In no event shall the amount reimbursed under this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Travel Arrangements or the Maximum Benefit Amount shown in the Schedule of Benefits.

Cancellation must be due to one of the following Unforeseen reasons that occurs after the purchase of this Policy and while this coverage is in effect for You:

1. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Service Animal’s death that occurs prior to departure on Your Trip;

2. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Service Animal’s covered Sickness or Injury that: a) occurs before departure on Your Trip; b) requires Medical Treatment by a Physician at the time of cancellation; and c) as certified by a Physician prior to cancellation, results in medical restrictions so disabling as to cause You to cancel Your Trip. The Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause you to assume daily management of the business;

3. the following other Unforeseen reasons which occur to You or Your Traveling Companion provided such events occur while this coverage is in effect:

c. the death, hospitalization or Quarantine of Your Host at Your Destination with whom You and/or Your Traveling Companion will be staying during Your Trip;

d. hospitalization due to mental, nervous or psychological disorders. The hospitalization must be for more than seventy-two (72) hours, must occur within thirty (30) days of your departure date and must occur at a time when this coverage is in effect;

Trip Interruption

If You must start Your Trip later than scheduled or are unable to complete Your Trip due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the following:

1. unused, Pre-paid, nonrefundable Payments or Deposits You paid for Your Travel Arrangements insured under this Policy, and any fees imposed in accordance with The Jones Act;

2. plus one of the following transportation expenses:

a. the Additional Transportation Cost to reach Your scheduled destination if Your departure is delayed and You leave on Your Trip after Your Scheduled Departure Date and time;

b. the Additional Transportation Cost for You to reach the Scheduled Return Destination of Your Trip; or

c. the Additional Transportation Cost for You to rejoin Your Trip in progress from the point where You interrupted Your Trip.

We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the additional single supplement cost You pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is interrupted for one of the covered Unforeseen reasons listed below and You do not interrupt Your Trip.

We will also reimburse You up to the sub-limit listed in the Schedule of Benefits for reasonable and necessary paid costs to drive or transport Your Covered Vehicle to Your Home if you meet all of the following.

1. You are using Your Covered Vehicle on the Trip.

2. the Covered Vehicle is with You at the place where the Trip is interrupted.

3. the place where the Trip is interrupted is one hundred (100) miles or more away from Your Home.

4. You are medically unable to drive Your Covered Vehicle Home due to a covered Sickness, Injury or death.

In no event shall the amount reimbursed for this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

Trip Interruption must be due to one of the following Unforeseen reasons that occurs while this coverage is in effect for You:

1. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Service Animal’s death that occurs after departure on Your Trip;

2. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Service Animal’s covered Sickness or Injury that: a) occurs while this coverage is in effect; b) requires Medical Treatment by a Physician at the time of interruption; and c) as certified by a Physician prior to interruption, results in medical restrictions so disabling as to prevent Your continued participation on the Trip. The Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause you to assume daily management of the business;

3. the following other Unforeseen reasons which occur to You or Your Traveling Companion provided such circumstances occur while this coverage is in effect:

a. being unable to continue on Your Trip due to You or Your Traveling Companion being Quarantined;

b. Complications of Pregnancy, as verified by medical records, provided they begin after Your Effective Date of Your Policy;

c. the death, hospitalization or Quarantine of Your Host at Your Destination with whom You and/or Your Traveling Companion are staying with during Your Trip;

d. hospitalization due to mental, nervous or psychological disorders. The hospitalization must be for more than seventy-two (72) hours, must occur during Your Trip;

Quarantine means Your strict isolation imposed by a government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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84

Atlas Journey Preferred

Included in Trip Cancellation and Trip Interruption

Trip Cancellation

If You cancel Your Trip prior to departure due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the amount of unused, non-refundable, Pre-paid Payments or Deposits for the Travel Arrangements You purchased for Your Trip.

We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the additional single supplement cost You must pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is cancelled for one of the covered Unforeseen reasons listed below and You do not cancel Your Trip.

If You cancel due to a covered Unforeseen reason, and You used frequent traveler awards, such as frequent flier miles or hotel rewards, for any part of Your Trip, We will reimburse You for the fees You pay up to the Maximum Benefit Amount listed in the Schedule of Benefits to re-deposit those miles or rewards in Your account.

If You cancel or reschedule Your Trip due to a covered Unforeseen reason, We will reimburse You up to the sub-limit listed in the Schedule of Benefits for the reissue fee paid to the airline to change Your tickets.

Payable benefit amounts are reduced by any refunds or reimbursements to which You are entitled from any Travel Supplier, whether You requested reimbursement or not. In no event shall the amount reimbursed under this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Travel Arrangements or the Maximum Benefit Amount shown in the Schedule of Benefits.

Cancellation must be due to one of the following Unforeseen reasons that occurs after the purchase of this Policy and while this coverage is in effect for You:

1. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Service Animal’s death that occurs prior to departure on Your Trip;

2. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Service Animal’s covered Sickness or Injury that: a) occurs before departure on Your Trip; b) requires Medical Treatment by a Physician at the time of cancellation; and c) as certified by a Physician prior to cancellation, results in medical restrictions so disabling as to cause You to cancel Your Trip. The Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause you to assume daily management of the business;

3. the following other Unforeseen reasons which occur to You or Your Traveling Companion provided such events occur while this coverage is in effect:

a. being prevented from embarking on Your Trip due to You or Your Traveling Companion being Quarantined;

b. pregnancy, as verified by medical records, provided the pregnancy begins after this coverage is in effect;

c. Complications of Pregnancy, as verified by medical records, provided they begin after this coverage is in effect;

d. attending the childbirth of a Family Member and/or surrogate mother to Your intended child, as verified by medical records, provided the pregnancy begins after this coverage is in effect;

e. the death, hospitalization or Quarantine of Your Host at Your Destination with whom You and/or Your Traveling Companion will be staying during Your Trip;

f. hospitalization due to mental, nervous or psychological disorders. The hospitalization must be for more than seventy-two (72) hours, must occur within thirty (30) days of your departure date and must occur at a time when this coverage is in effect;

g. admission into a rehabilitation clinic or facility for the treatment of addiction. Admission can be either be mandatory/court-ordered or elective but must be for a program term of fourteen (14) days or more. No benefits will be payable for early check-out or departure from the facility prior to program completion;

jj. being unable to participate in Diving, skiing, a competition, a performance, an activity or volunteer or mission program during the scheduled travel dates due to Sickness or Injury that occurred after this coverage is in effect, required the in-person Medical Treatment by a Physician, and in the written opinion of Physician, would prevent participation in such activities. The Diving, skiing, competition, performance, activity or program must be the sole or primary purpose for Your Trip.

Trip Interruption

If You must start Your Trip later than scheduled or are unable to complete Your Trip due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the following:

1. unused, Pre-paid, nonrefundable Payments or Deposits You paid for Your Travel Arrangements insured under this Policy, and any fees imposed in accordance with The Jones Act;

2. plus one of the following transportation expenses:

a. the Additional Transportation Cost to reach Your scheduled destination if Your departure is delayed and You leave on Your Trip after Your Scheduled Departure Date and time;

b. the Additional Transportation Cost for You to reach the Scheduled Return Destination of Your Trip; or

c. the Additional Transportation Cost for You to rejoin Your Trip in progress from the point where You interrupted Your Trip.

We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the additional single supplement cost You pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is interrupted for one of the covered Unforeseen reasons listed below and You do not interrupt Your Trip.

We will also reimburse You up to the sub-limit listed in the Schedule of Benefits for reasonable and necessary paid costs to drive or transport Your Covered Vehicle to Your Home if you meet all of the following.

1. You are using Your Covered Vehicle on the Trip.

2. the Covered Vehicle is with You at the place where the Trip is interrupted.

3. the place where the Trip is interrupted is one hundred (100) miles or more away from Your Home.

4. You are medically unable to drive Your Covered Vehicle Home due to a covered Sickness, Injury or death.

In no event shall the amount reimbursed for this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

Trip Interruption must be due to one of the following Unforeseen reasons that occurs while this coverage is in effect for You:

1. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Service Animal’s death that occurs after departure on Your Trip;

2. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Service Animal’s covered Sickness or Injury that: a) occurs while this coverage is in effect; b) requires Medical Treatment by a Physician at the time of interruption; and c) as certified by a Physician prior to interruption, results in medical restrictions so disabling as to prevent Your continued participation on the Trip. The Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause you to assume daily management of the business;

3. the following other Unforeseen reasons which occur to You or Your Traveling Companion provided such circumstances occur while this coverage is in effect:

a. being unable to continue on Your Trip due to You or Your Traveling Companion being Quarantined;

b. pregnancy, as verified by medical records, provided the pregnancy begins after the Effective Date of Your Policy;

c. Complications of Pregnancy, as verified by medical records, provided they begin after Your Effective Date of Your Policy;

d. attending the childbirth of Your Family Member or surrogate mother to Your intended child, as verified by medical records, provided the childbirth begins during Your Trip;

e. the death, hospitalization or Quarantine of Your Host at Your Destination with whom You and/or Your Traveling Companion are staying with during Your Trip;

f. hospitalization due to mental, nervous or psychological disorders. The hospitalization must be for more than seventy-two (72) hours, must occur during Your Trip;

ff. becoming unable to participate in Diving, skiing, a sporting competition, a performance, an activity or volunteer or mission program due to Sickness or Injury that occurs on the Trip, requires the inperson Medical Treatment of a Physician, and in the written opinion of that Physician, prevents continued participation in such activities.

Quarantine means Your strict isolation imposed by a government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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85

Atlas Journey Premier

Included in Trip Cancellation and Trip Interruption

Trip Cancellation

If You cancel Your Trip prior to departure due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the amount of unused, non-refundable, Pre-paid Payments or Deposits for the Travel Arrangements You purchased for Your Trip.

We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the additional single supplement cost You must pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is cancelled for one of the covered Unforeseen reasons listed below and You do not cancel Your Trip.

If You cancel due to a covered Unforeseen reason, and You used frequent traveler awards, such as frequent flier miles or hotel rewards, for any part of Your Trip, We will reimburse You for the fees You pay up to the Maximum Benefit Amount listed in the Schedule of Benefits to re-deposit those miles or rewards in Your account.

If You cancel or reschedule Your Trip due to a covered Unforeseen reason, We will reimburse You up to the sub-limit listed in the Schedule of Benefits for the reissue fee paid to the airline to change Your tickets.

Payable benefit amounts are reduced by any refunds or reimbursements to which You are entitled from any Travel Supplier, whether You requested reimbursement or not. In no event shall the amount reimbursed under this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Travel Arrangements or the Maximum Benefit Amount shown in the Schedule of Benefits.

Cancellation must be due to one of the following Unforeseen reasons that occurs after the purchase of this Policy and while this coverage is in effect for You:

1. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Service Animal’s death that occurs prior to departure on Your Trip;

2. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Service Animal’s covered Sickness or Injury that:
a) occurs before departure on Your Trip;
b) requires Medical Treatment by a Physician at the time of cancellation; and
c) as certified by a Physician prior to cancellation, results in medical restrictions so disabling as to cause You to cancel Your Trip. The Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause you to assume daily management of the business;

3. the following other Unforeseen reasons which occur to You or Your Traveling Companion provided such events occur while this coverage is in effect:

a. being prevented from embarking on Your Trip due to You or Your Traveling Companion being Quarantined;

b. You, Your Family Member, Your Traveling Companion or Your Traveling Companion’s Family Member receives official notification of an organ donor match available for immediate transplant, provided the transplant is considered medically necessary, the notification is received after this coverage is in effect, and, in the written opinion of the Physician, the transplant surgery and/or recovery is so disabling as to prevent participation in the Trip;

c. pregnancy, as verified by medical records, provided the pregnancy begins after this coverage is in effect;

d. Complications of Pregnancy, as verified by medical records, provided they begin after this coverage is in effect;

e. attending the childbirth of a Family Member and/or surrogate mother to Your intended child, as verified by medical records, provided the pregnancy begins after this coverage is in effect;

f. the death, hospitalization or Quarantine of Your Host at Your Destination with whom You and/or Your Traveling Companion will be staying during Your Trip;

g. hospitalization due to mental, nervous or psychological disorders. The hospitalization must be for more than seventy-two (72) hours, must occur within thirty (30) days of your departure date and must occur at a time when this coverage is in effect;

h. admission into a rehabilitation clinic or facility for the treatment of addiction. Admission can be either be mandatory/court-ordered or elective but must be for a program term of fourteen (14) days or more. No benefits will be payable for early check-out or departure from the facility prior to program completion;

oo. being unable to participate in Diving, skiing, a competition, a performance, an activity or volunteer or mission program during the scheduled travel dates due to Sickness or Injury that occurred after this coverage is in effect, required the in-person Medical Treatment by a Physician, and in the written opinion of Physician, would prevent participation in such activities. The Diving, skiing, competition, performance, activity or program must be the sole or primary purpose for Your Trip.

Trip Interruption

If You must start Your Trip later than scheduled or are unable to complete Your Trip due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the following:

1. unused, Pre-paid, nonrefundable Payments or Deposits You paid for Your Travel Arrangements insured under this Policy, and any fees imposed in accordance with The Jones Act;

2. plus one of the following transportation expenses:

a. the Additional Transportation Cost to reach Your scheduled destination if Your departure is delayed and You leave on Your Trip after Your Scheduled Departure Date and time;

b. the Additional Transportation Cost for You to reach the Scheduled Return Destination of Your Trip; or

c. the Additional Transportation Cost for You to rejoin Your Trip in progress from the point where You interrupted Your Trip.

We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the additional single supplement cost You pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is interrupted for one of the covered Unforeseen reasons listed below and You do not interrupt Your Trip.

We will also reimburse You up to the sub-limit listed in the Schedule of Benefits for reasonable and necessary paid costs to drive or transport Your Covered Vehicle to Your Home if you meet all of the following.

1. You are using Your Covered Vehicle on the Trip.

2. the Covered Vehicle is with You at the place where the Trip is interrupted.

3. the place where the Trip is interrupted is one hundred (100) miles or more away from Your Home.

4. You are medically unable to drive Your Covered Vehicle Home due to a covered Sickness, Injury or death.

In no event shall the amount reimbursed for this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

Trip Interruption must be due to one of the following Unforeseen reasons that occurs while this coverage is in effect for You:

1. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Service Animal’s death that occurs after departure on Your Trip;

2. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Service Animal’s covered Sickness or Injury that: a) occurs while this coverage is in effect; b) requires Medical Treatment by a Physician at the time of interruption; and c) as certified by a Physician prior to interruption, results in medical restrictions so disabling as to prevent Your continued participation on the Trip. The Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause you to assume daily management of the business;

3. the following other Unforeseen reasons which occur to You or Your Traveling Companion provided such circumstances occur while this coverage is in effect:

a. being unable to continue on Your Trip due to You or Your Traveling Companion being Quarantined;

b. You, Your Family Member, Your Traveling Companion or Your Traveling Companion’s Family Member receives official notification of an organ match available for immediate transplant, provided the transplant is considered medically necessary, the notification is received while on Your Trip, and in the written opinion of the Physician, the transplant surgery and/or recovery is so disabling as to prevent continued participation on the Trip;

c. pregnancy, as verified by medical records, provided the pregnancy begins after the Effective Date of Your Policy;

d. Complications of Pregnancy, as verified by medical records, provided they begin after Your Effective Date of Your Policy;

e. attending the childbirth of Your Family Member or surrogate mother to Your intended child, as verified by medical records, provided the childbirth begins during Your Trip;

f. the death, hospitalization or Quarantine of Your Host at Your Destination with whom You and/or Your Traveling Companion are staying with during Your Trip;

g. hospitalization due to mental, nervous or psychological disorders. The hospitalization must be for more than seventy-two (72) hours, must occur during Your Trip;

ii. becoming unable to participate in Diving, skiing, a sporting competition, a performance, an activity or volunteer or mission program due to Sickness or Injury that occurs on the Trip, requires the in-person Medical Treatment of a Physician, and in the written opinion of that Physician, prevents continued participation in such activities.

Quarantine means Your strict isolation imposed by a government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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