The table below shows you at a glance which company provides the most comprehensive coverage for the Cancel For Medical Reasons element within your policy.

If you see a plan listed more than once, this means the plan offers different coverage for the residents of the states listed next to the plan name. Click the coverages listed below the table or the further research button to view more coverage tables. Remember, you are only a few quick questions away from an instant quote from all the major travel insurance providers.

View full coverage summary for Cancel For Medical Reasons for the policies below

Air Ambulance Card
Air Ambulance Card

1

Air Ambulance Card - Standard Annual
Air Ambulance Card

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

2

Air Ambulance Card - Extended Stay 6 Months
Air Ambulance Card

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

3

Air Ambulance Card - Extended Stay 12 Months
Air Ambulance Card

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

APRIL Travel Protection
APRIL Travel Protection

4

Economy Plan
APRIL Travel Protection

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which 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.

5

VIP Plan
APRIL Travel Protection

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which 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.

6

Trip Cancellation Plan
APRIL Travel Protection

Cancel For Medical Reasons Benefits
Included in Trip Cancellation

Quote

Full Policy Wording

For trip cancellation, unforeseen events include:

a) Accidental Injury, Sickness or death of you, your Traveling Companion, your Family Member, or your business Partner; which 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.

7

Multi-Trip Plan Universal
APRIL Travel Protection

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

8

Multi-Trip Plan Elite
APRIL Travel Protection

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

9

Choice
APRIL Travel Protection

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which 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.

AXA Assistance USA
AXA Assistance USA

10

Silver
AXA Assistance USA

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which 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.

11

Gold
AXA Assistance USA

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which 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.

12

Platinum
AXA Assistance USA

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which 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) The death or hospitalization of Your Host at Destination.

c) You or Your Traveling Companion are not medically able to receive the required immunizations for entry into any country of Destination, provided that such requirement was not in place at the time of the Effective Date of Trip Cancellation coverage.

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

13

Beacon America incl US
Azimuth Risk Solutions, LLC

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

14

Beacon International excl US
Azimuth Risk Solutions, LLC

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

CSA Travel Protection
CSA Travel Protection

15

Custom
CSA Travel Protection

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

TRIP CANCELLATION BENEFIT

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);

GeoBlue
GeoBlue

16

Voyager Choice
GeoBlue

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

17

Voyager Essential
GeoBlue

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

18

Trekker Choice excl US
GeoBlue

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

19

Trekker Essential excl US
GeoBlue

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

Global Alert
Global Alert

20

Essentials
Global Alert

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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.

(a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which 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.

21

Preferred
Global Alert

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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.

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which 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.

22

Preferred Plus
Global Alert

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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.

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which 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.

HCC Medical Insurance Services
HCC Medical Insurance Services

23

Atlas International excl US
HCC Medical Insurance Services

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

24

Atlas MultiTrip incl US
HCC Medical Insurance Services

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

25

Atlas MultiTrip excl US
HCC Medical Insurance Services

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

HTH Travel Insurance
HTH Travel Insurance

26

TravelGap Voyager excl US
HTH Travel Insurance

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

27

TripProtector Preferred
HTH Travel Insurance

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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

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.

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 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.

28

TravelGap Multi-Trip Silver excl US
HTH Travel Insurance

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

29

TravelGap Multi-Trip Gold excl US
HTH Travel Insurance

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

30

TravelGap Excursion excl US
HTH Travel Insurance

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

31

TripProtector Economy
HTH Travel Insurance

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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

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.

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 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.

The Company will reimburse You for the following:

(a) pre-paid, forfeited, non-refundable Payments or Deposits You paid for Travel Arrangements for Your Trip;

(b) If Your Travel Supplier cancels Your Trip, You are covered up to $100.00 for the reissue fee charged by the airline for the tickets or up to $200.00 for the cost charged by the airline to retain Your frequent flyer miles if not used to purchase the airline ticket in conjunction with this Trip. You must have covered the entire cost of the Trip including the
airfare.

In no event shall the amount reimbursed exceed the Maximum Benefit shown on the Confirmation of Coverage.

32

TripProtector Classic
HTH Travel Insurance

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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

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.

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 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.

InsureandGo USA
InsureandGo USA

33

Silver
InsureandGo USA

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

TRIP CANCELLATION & TRIP INTERRUPTION

The Company will pay a benefit, up to the limit shown on the confirmation of Coverage, if You are prevented from taking or unable to continue Your Covered Trip for any of the following reasons that take place after the Effective Date:

a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

34

Gold
InsureandGo USA

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

TRIP CANCELLATION & TRIP INTERRUPTION

The Company will pay a benefit, up to the limit shown on the confirmation of Coverage, if You are prevented from taking or unable to continue Your Covered Trip for any of the following reasons that take place after the Effective Date:

a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

35

Platinum
InsureandGo USA

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

TRIP CANCELLATION & TRIP INTERRUPTION

The Company will pay a benefit, up to the limit shown on the confirmation of Coverage, if You are prevented from taking or unable to continue Your Covered Trip for any of the following reasons that take place after the Effective Date:

a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

36

Global Silver excl US
InsureandGo USA

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

TRIP CANCELLATION & TRIP INTERRUPTION

The Company will pay a benefit, up to the limit shown on the confirmation of Coverage, if You are prevented from taking or unable to continue Your Covered Trip for any of the following reasons that take place after the Effective Date:

a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

37

Global Gold excl US
InsureandGo USA

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

TRIP CANCELLATION & TRIP INTERRUPTION

The Company will pay a benefit, up to the limit shown on the confirmation of Coverage, if You are prevented from taking or unable to continue Your Covered Trip for any of the following reasons that take place after the Effective Date:

a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

38

Global Platinum excl US
InsureandGo USA

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

TRIP CANCELLATION & TRIP INTERRUPTION

The Company will pay a benefit, up to the limit shown on the confirmation of Coverage, if You are prevented from taking or unable to continue Your Covered Trip for any of the following reasons that take place after the Effective Date:

a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

39

Cruise Select
InsureandGo USA

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

TRIP CANCELLATION & TRIP INTERRUPTION

The Company will pay a benefit, up to the limit shown on the confirmation of Coverage, if You are prevented from taking or unable to continue Your Covered Trip for any of the following reasons that take place after the Effective Date:

(a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

40

Cruise Preferred
InsureandGo USA

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

TRIP CANCELLATION & TRIP INTERRUPTION

The Company will pay a benefit, up to the limit shown on the confirmation of Coverage, if You are prevented from taking or unable to continue Your Covered Trip for any of the following reasons that take place after the Effective Date:

(a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

iTravelInsured
iTravelInsured

41

Travel Lite
iTravelInsured

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

Benefits will be paid, up to the Maximum Benefit Amount shown in the Declarations Page, to reimburse You for the amount 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 or a Child Caregiver’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 or a Child Caregiver’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;

provided such circumstances occur while coverage is in effect.

42

Travel SE
iTravelInsured

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

Benefits will be paid, up to the Maximum Benefit Amount shown in the Declarations Page, to reimburse You for the amount 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 or a Child Caregiver’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 or a Child Caregiver’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;

43

Travel LX
iTravelInsured

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

TRIP CANCELLATION

Benefits will be paid, up to the Maximum Benefit Amount shown in the Declarations Page, to reimburse You for the amount 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 or a Child Caregiver’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 or a Child Caregiver’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;

John Hancock Insurance Agency, Inc.
John Hancock Insurance Agency, Inc.

44

Bronze
John Hancock Insurance Agency, Inc.

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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.

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which 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) The death or hospitalization of Your Host at Destination.

45

Silver
John Hancock Insurance Agency, Inc.

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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.

(a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which 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) The death or hospitalization of Your Host at Destination.

46

Gold
John Hancock Insurance Agency, Inc.

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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.

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

(a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which 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) The death or hospitalization of Your Host at Destination.

MedjetAssist
MedjetAssist

47

Annual Membership
MedjetAssist

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

48

MedjetAssist Extended Stay
MedjetAssist

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

49

MedjetAssist Short Term Plan
MedjetAssist

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

MH Ross Travel Insurance Services
MH Ross Travel Insurance Services

50

Asset Plus
MH Ross Travel Insurance Services

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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 or were assessed for Your Trip, when You cancel Your Trip for a covered Unforeseen reason.

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

2. Your, a Family Member’s, a Traveling Companion’s, 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

51

Bridge
MH Ross Travel Insurance Services

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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 or were assessed for Your Trip, when You cancel Your Trip for a covered Unforeseen reason.

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

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

2. Your, a Family Member’s, a Traveling Companion’s, 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

3. for Other Covered Events, as defined;

52

Complete
MH Ross Travel Insurance Services

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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 or were assessed for Your Trip, when You cancel Your Trip for a covered Unforeseen reason.

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

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

2. Your, a Family Member’s, a Traveling Companion’s, 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

3. for Other Covered Events, as defined;

53

Asset
MH Ross Travel Insurance Services

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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 or were assessed for Your Trip, when You cancel Your Trip for a covered Unforeseen reason.

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

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

2. Your, a Family Member’s, a Traveling Companion’s, 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

3. for Other Covered Events, as defined;

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

Protect Your Bubble
Protect Your Bubble

54

Basic Plan
Protect Your Bubble

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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 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 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

TRIP INTERRUPTION

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, prepaid non- refundable 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; for a covered Unforeseen reason.

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

1. Your, a Family Member’s, 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 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

55

Deluxe Plan
Protect Your Bubble

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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 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 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;

TRIP INTERRUPTION

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, prepaid non- refundable 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, 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 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;

RoamRight
RoamRight

56

Essential
RoamRight

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

TRIP CANCELLATION / TRIP INTERRUPTION

The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are prevented from taking Your Trip due to the following Unforeseen events:

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

57

Essential
RoamRight

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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 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

58

Preferred
RoamRight

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

TRIP CANCELLATION / TRIP INTERRUPTION

The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are prevented from taking Your Trip due to the following Unforeseen events:

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

59

Preferred
RoamRight

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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 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

3. for Other Covered Events, as defined;

60

Elite
RoamRight

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

TRIP CANCELLATION / TRIP INTERRUPTION

The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are prevented from taking Your Trip due to the following Unforeseen events:

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

61

Elite
RoamRight

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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 Business Partner’s or a Traveling Companion’s Family Member’s death, 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

3. for Other Covered Events, as defined;

62

Active
RoamRight

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

TRIP CANCELLATION / TRIP INTERRUPTION

Not applicable if $0 limit displayed on Your Confirmation of Benefits.

The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are prevented from taking Your Trip due to the following Unforeseen events:

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

63

Active
RoamRight

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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 Business Partner’s or a Traveling Companion’s Family Member’s death, 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

3. for Other Covered Events, as defined;

64

Adventure
RoamRight

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

TRIP CANCELLATION / TRIP INTERRUPTION

Not applicable if $0 limit displayed on Your Confirmation of Benefits.

The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are prevented from taking Your Trip due to the following Unforeseen events:

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

65

Adventure
RoamRight

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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 Business Partner’s or a Traveling Companion’s Family Member’s death, 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

3. for Other Covered Events, as defined;

66

Multi-Trip
RoamRight

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

TRIP CANCELLATION / TRIP INTERRUPTION

The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are prevented from taking Your Trip due to the following Unforeseen events:

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

67

Multi-Trip Medical excl US
RoamRight

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

68

Medical excl US
RoamRight

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

69

Evacuation
RoamRight

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

Seven Corners Inc
Seven Corners Inc

70

RoundTrip
Seven Corners Inc

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

TRIP CANCELLATION & TRIP INTERRUPTION

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

(a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member or Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.

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

71

RoundTrip Choice
Seven Corners Inc

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

TRIP CANCELLATION & TRIP INTERRUPTION

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

(a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member or Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.

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

72

Liaison Continent excl US
Seven Corners Inc

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

73

Liaison Majestic excl US
Seven Corners Inc

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

74

Liaison International excl US
Seven Corners Inc

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

75

Wander Frequent Traveler excl US
Seven Corners Inc

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

Tin Leg
Tin Leg

76

Economy
Tin Leg

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; which 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.

77

Standard
Tin Leg

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; which 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.

78

Luxury
Tin Leg

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; which 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.

Travel Insured International
Travel Insured International

79

Worldwide Trip Protector Lite
Travel Insured International

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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) 100% 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;

80

Worldwide Trip Protector Plus
Travel Insured International

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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;

81

Worldwide Trip Protector
Travel Insured International

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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;

Travelex Insurance Services
Travelex Insurance Services

82

Flight Insure Multi-trip - AD&D Only
Travelex Insurance Services

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

83

Flight Insure Package Plan Multi-trip
Travelex Insurance Services

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

84

Flight Insure Plus - Flight AD&D Only
Travelex Insurance Services

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

85

Flight Insure Plus - Package Plan
Travelex Insurance Services

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

86

Travel Basic
Travelex Insurance Services

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

Pre-Departure Trip Cancellation Benefits

If you are prevented from taking your Covered Trip for one of the Covered Reasons, we will reimburse you, up to the amount in the Schedule for the amount of forfeited, and prepaid, non-refundable, and unused Payments or Deposits that you paid for your Covered Trip.

We will pay your additional cost as a result of a published change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Covered Trip is canceled due to a covered reason and your Covered Trip is not canceled.

If the travel supplier cancels your Covered Trip, you are covered up to $200 for the reissue fee charged by the airline for the tickets or up to $200 for the cost charged to retain your frequent traveler awards/points if you used them to purchase the airline ticket in conjunction with this Covered Trip. You must have covered the entire cost of the Covered Trip including the airfare.

Trip Cancellation and Interruption Covered Reasons

Coverage is provided for the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy if there is a change in plans by you, a Family Member traveling with you, or Traveling Companion:

1. Sickness, Injury or death of you or your Traveling Companion and/or you or your Traveling Companion’s Family Member or Business Partner. The Sickness must commence while coverage is in effect, require the examination of a Physician, in person, at the time of Trip Cancellation or Trip Interruption and, in the written option of the treating Physician, be so disabling as to prevent you from taking or continuing your Covered Trip;

2. you become pregnant after the effective date of coverage (Trip Cancellation coverage only);

87

Travel Max
Travelex Insurance Services

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

Pre-Departure Trip Cancellation Benefits

If you are prevented from taking your Covered Trip for one of the Covered Reasons, we will reimburse you, up to the amount in the Schedule for the amount of forfeited, and prepaid, non-refundable, and unused Payments or Deposits that you paid for your Covered Trip.

We will pay your additional cost as a result of a published change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Covered Trip is canceled due to a covered reason and your Covered Trip is not canceled.

If the travel supplier cancels your Covered Trip, you are covered up to $200 for the reissue fee charged by the airline for the tickets or up to $200 for the cost charged to retain your frequent traveler awards/points if you used them to purchase the airline ticket in conjunction with this Covered Trip. You must have covered the entire cost of the Covered Trip including the airfare.

Coverage is provided for the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy if there is a change in plans by you, a Family Member traveling with you, or Traveling Companion:

1. Sickness, Injury or death of you or your Traveling Companion and/or you or your Traveling Companion’s Family Member, or Business Partner. The Sickness must commence while coverage is in effect, require the examination of a Physician, in person, at the time of Trip Cancellation or Trip Interruption and, in the written option of the treating Physician, be so disabling as to prevent you from taking or continuing your Covered Trip.

2. you become pregnant after the effective date of coverage (Trip Cancellation coverage only);

88

Travel Select
Travelex Insurance Services

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

Pre-Departure Trip Cancellation Benefits

If you are prevented from taking your Covered Trip for one of the Covered Reasons, we will reimburse you, up to the amount in the Schedule, for the amount of forfeited, and prepaid, non-refundable, and unused Payments or Deposits that you paid for your Covered Trip.

We will pay your additional cost as a result of a published change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Covered Trip is canceled due to a Covered Reason and your Covered Trip is not canceled.

If the travel supplier cancels your Covered Trip, you are covered up to $200 for the reissue fee charged by the airline for the tickets or up to $200 for the cost charged to retain your frequent traveler awards/points if you used them to purchase the airline ticket in conjunction with this Covered Trip. You must have covered the entire cost of the Covered Trip including the airfare.

Trip Cancellation and Interruption Covered Reasons

Coverage is provided for the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy if there is a change in plans by you, a Family Member traveling with you, or Traveling Companion:

1. Sickness, Injury or death of you or your Traveling Companion and/or you or your Traveling Companion’s Family Member or Business Partner. The Sickness must commence while coverage is in effect, require the examination of a Physician, in person, at the time of Trip Cancellation or Trip Interruption and, in the written opinion of the treating Physician, be so disabling as to prevent you from taking or continuing your Covered Trip;

2. you become pregnant after the effective date of coverage (Trip Cancellation coverage only);

TravelSafe
TravelSafe

89

Basic
TravelSafe

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

Benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, to reimburse You for the amount of the unused non- refundable Prepaid Payments or Deposits You paid for Travel Arrangements, including up to $150 for the cost of airline-imposed fees to re-bank 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) prevents Your participation in the Trip;

90

Basic
TravelSafe

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

Benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, to reimburse You for the amount of the unused non- refundable Prepaid Payments or Deposits You paid for Travel Arrangements, including up to $150 for the cost of airline-imposed fees to re-bank 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) prevents Your participation in the Trip;

91

Classic
TravelSafe

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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 unused non- refundable Prepaid Payments or Deposits You paid for Travel Arrangements, including up to $150 for the cost of airline-imposed fees to re-bank 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) prevents Your participation in the Trip;

92

Classic
TravelSafe

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

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 unused non- refundable Prepaid Payments or Deposits You paid for Travel Arrangements, including up to $150 for the cost of airline-imposed fees to re-bank 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) prevents Your participation in the Trip;

93

Classic Plus
TravelSafe

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

Benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, to reimburse You for the amount of the unused non- refundable Prepaid Payments or Deposits You paid for Travel Arrangements, including up to $150 for the cost of airline-imposed fees to re-bank 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) prevents Your participation in the Trip;

94

Classic Plus
TravelSafe

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

Benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, to reimburse You for the amount of the unused non- refundable Prepaid Payments or Deposits You paid for Travel Arrangements, including up to $150 for the cost of airline-imposed fees to re-bank 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) prevents Your participation in the Trip;

Trawick International
Trawick International

95

Safe Travels USA
Trawick International

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

96

Safe Travels International excl US
Trawick International

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

97

Safe Travels USA Trip Protection
Trawick International

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

Trip Cancellation and Trip Interruption Benefit – up to 100% of the Insured Trip Cost for Cancellation from $ 250 up to $10,000 and 150% of the Insured trip Cost from $375 up to $15,000 in respect of loss of travel and accommodation expenses paid or contracted to be paid as a result of the Covered Trip being necessarily and unavoidably cancelled or interrupted due to any of the following causes commencing and occurring during the Period of Insurance provided such expenses are not recoverable from any other source:

1. Sickness, Injury or death of an Insured, Family Member, Traveling Companion, or Business Partner when: a) Injury or Sickness of an Insured, Family Member, or Traveling Companion traveling with the Insured must be so disabling as to reasonably cause a Trip to be cancelled or interrupted, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip; b) If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of a Family Member not traveling with the Insured, it must be because their condition is life-threatening, as certified by a Physician or because they require the Insured’s care; or c) Injury or Sickness of the Business Partner must be so disabling as to reasonably cause the Insured to cancel or interrupt the Trip to assume daily management of the business. A Physician must certify the Injury or Sickness.

2. Sickness, Injury, death or hospitalization of the Insured’s Host at Destination. A Physician must certify the Injury or Sickness;

98

Safe Travels International Trip Protection excl US
Trawick International

Cancel For Medical Reasons Benefits
Included in Trip Cancellation and Trip Interruption

Quote

Full Policy Wording

Trip Cancellation and Trip Interruption Benefit – up to 100% of the Insured Trip Cost for Cancellation from $250 up to $ 25,000 and 150% of the Insured trip Cost from $375 up to $37,500 in respect of loss of travel and accommodation expenses paid or contracted to be paid as a result of the Covered Trip being necessarily and unavoidably cancelled or interrupted due to any of the following causes commencing and occurring during the Period of Insurance provided such expenses are not recoverable from any other source:

1. Sickness, Injury or death of an Insured, Family Member, Traveling Companion, or Business Partner when: a) Injury or Sickness of an Insured, Family Member, or Traveling Companion traveling with the Insured must be so disabling as to reasonably cause a Trip to be cancelled or interrupted, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip; b) If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of a Family Member not traveling with the Insured, it must be because their condition is life-threatening, as certified by a Physician or because they require the Insured’s care; or c) Injury or Sickness of the Business Partner must be so disabling as to reasonably cause the Insured to cancel or interrupt the Trip to assume daily management of the business. A Physician must certify the Injury or Sickness.

2. Sickness, Injury, death or hospitalization of the Insured’s Host at Destination. A Physician must certify the Injury or Sickness;

99

Safe Travels International Cost Saver excl US
Trawick International

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

100

Safe Travels USA Cost Saver
Trawick International

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

USA-ASSIST Worldwide Protection
USA-ASSIST Worldwide Protection

101

Global Travel Medical Diamond
USA-ASSIST Worldwide Protection

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

102

Global Travel Medical Executive
USA-ASSIST Worldwide Protection

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

103

Global Travel Medical Gold
USA-ASSIST Worldwide Protection

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

104

Global Travel Medical Platinum
USA-ASSIST Worldwide Protection

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

105

Global Travel Medical Standard
USA-ASSIST Worldwide Protection

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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

106

Global Travel Medical Titanium
USA-ASSIST Worldwide Protection

Cancel For Medical Reasons Benefits
No coverage

Quote

Full Policy Wording

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