What is Cancel For Medical Reasons?

Cancel For Medical Reasons

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.

Coverage Description

Provides reimbursement for prepaid, non-refundable trip payments and deposits if a trip is cancelled due to a sickness, injury, or death of you, a traveling companion, or a family member. Please consider whether coverage is needed for pre-existing medical conditions. If so, please select a policy that also covers pre-existing conditions.

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

# Provider / Plan Name Benefit
1 Air Ambulance Card
Air Ambulance Card - Standard Annual
No coverage Quote

Full Policy Wording

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

2 Air Ambulance Card
Air Ambulance Card - Extended Stay 6 Months
No coverage Quote

Full Policy Wording

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

3 Air Ambulance Card
Air Ambulance Card - Extended Stay 12 Months
No coverage Quote

Full Policy Wording

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

4 Allianz Global Assistance
Classic
Included in Trip Cancellation and Trip Interruption Quote

Full Policy Wording

YOUR TRIP IS CANCELED OR INTERRUPTED

Important

You need to contact your travel suppliers within 72 hours of canceling or interrupting your trip to qualify for the largest reimbursement possible. If you notify your suppliers later and get a smaller refund, we will not cover the difference. If you’re seriously ill or injured, contact your travel suppliers as soon as you can.

When it applies: Your trip is canceled before you get started, or interrupted after you’ve left, for one of the following covered reasons:

Health

Injury, illness or medical condition

You or a traveling companion is seriously ill or injured.

Specific requirements:

• The injury, illness or medical condition must be disabling enough to make a reasonable person delay, cancel or interrupt their trip.

• A doctor must examine you or a traveling companion and advise you or a traveling companion to cancel or interrupt your trip before you cancel or interrupt it. If that isn’t possible, a doctor must examine you within 72 hours of your cancellation or interruption.

A family member who isn’t traveling with you is seriously ill or injured.

Specific requirement:

• The injury, illness or medical condition must be considered life threatening, require hospitalization, or he or she must require your care.

Death

You, a traveling companion or family member dies.

Specific requirement:

• A traveling companion’s or family member’s death must occur before or during your trip.

Quarantine

You or a traveling companion is quarantined.

Pregnancy

You become pregnant (trip cancellation coverage only).

Childbirth

You need to attend the birth of an immediate family member’s child (trip cancellation coverage only).

5 Allianz Global Assistance
Classic with Trip +
Included in Trip Cancellation and Trip Interruption Quote

Full Policy Wording

Trip cancellation and Trip interruption coverage

When it applies: Your trip is canceled before you get started, or interrupted after you’ve left, for one of the following covered reasons:

Health
Injury, illness or medical condition

You or a traveling companion is seriously ill or injured.

Specific requirements:

• The injury, illness or medical condition must be disabling enough to make a reasonable person delay, cancel or interrupt their trip.

• A doctor must examine you or a traveling companion and advise you or a traveling companion to cancel or interrupt your trip before you cancel or interrupt it. If that isn’t possible, a doctor must examine you within 72 hours of your cancellation or interruption.

A family member who isn’t traveling with you is seriously ill or injured.

Specific requirement:

• The injury, illness or medical condition must be considered life threatening, require hospitalization, or he or she must require your care.

Death
You, a traveling companion or family member dies.

Specific requirement:

• A traveling companion’s or family member’s death must occur before or during your trip.

Quarantine
You or a traveling companion is quarantined.

Pregnancy
You become pregnant (trip cancellation coverage only).

Childbirth
You need to attend the birth of an immediate family member’s child (trip cancellation coverage only).

6 APRIL Travel Protection
Economy Plan
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.

7 APRIL Travel Protection
VIP Plan
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.

8 APRIL Travel Protection
Trip Cancellation Plan
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.

9 APRIL Travel Protection
Multi-Trip Plan Universal
No coverage Quote

Full Policy Wording

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

10 APRIL Travel Protection
Multi-Trip Plan Elite
No coverage Quote

Full Policy Wording

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

11 APRIL Travel Protection
Choice
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 Azimuth Risk Solutions, LLC
Beacon America incl US
No coverage Quote

Full Policy Wording

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

13 Azimuth Risk Solutions, LLC
Beacon International excl US
No coverage Quote

Full Policy Wording

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

14 CSA Travel Protection
Custom
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);

15 GeoBlue
Voyager Choice
No coverage Quote

Full Policy Wording

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

16 GeoBlue
Voyager Essential
No coverage Quote

Full Policy Wording

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

17 GeoBlue
Trekker Choice excl US
No coverage Quote

Full Policy Wording

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

18 GeoBlue
Trekker Essential excl US
No coverage Quote

Full Policy Wording

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

19 Global Alert Administrators
Global Alert Essentials
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 accompanying Confirmation of Benefits, if You are prevented from taking Your Covered Trip due to the following Unforeseen events:

a) Sickness, Accidental Injury or death of You, Your Traveling Companion, 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;

20 Global Alert Administrators
Global Alert Preferred
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 accompanying Confirmation of Benefits, if You are prevented from taking Your Covered Trip due to the following Unforeseen events:

a) Sickness, Accidental Injury or death of You, Your Traveling Companion, 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;

21 Global Alert Administrators
Global Alert Preferred Plus
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 accompanying Confirmation of Benefits, if You are prevented from taking Your Covered Trip due to the following Unforeseen events:

a) Sickness, Accidental Injury or death of You, Your Traveling Companion, 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;

22 HCC Medical Insurance Services
Atlas International excl US
No coverage Quote

Full Policy Wording

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

23 HCC Medical Insurance Services
Atlas America incl US
No coverage Quote

Full Policy Wording

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

24 HCC Medical Insurance Services
Atlas MultiTrip incl US
No coverage Quote

Full Policy Wording

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

25 HCC Medical Insurance Services
Atlas MultiTrip excl US
No coverage Quote

Full Policy Wording

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

26 HTH Travel Insurance
TravelGap Voyager excl US
No coverage Quote

Full Policy Wording

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

27 HTH Travel Insurance
TravelGap Multi-Trip Silver excl US
No coverage Quote

Full Policy Wording

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

28 HTH Travel Insurance
TravelGap Multi-Trip Gold excl US
No coverage Quote

Full Policy Wording

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

29 HTH Travel Insurance
TravelGap Excursion excl US
No coverage Quote

Full Policy Wording

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

30 InsureandGo USA
Silver
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.

31 InsureandGo USA
Gold
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.

32 InsureandGo USA
Platinum
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.

33 InsureandGo USA
Global Silver excl US
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 InsureandGo USA
Global Gold excl US
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 InsureandGo USA
Global Platinum excl US
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 iTravelInsured
Deluxe Travel
Included in Trip Cancellation and Trip Interruption Quote

Full Policy Wording

Trip Cancellation

Trip Cancellation provides benefits for unused, non- refundable payments made by You not to exceed the maximum amount indicated In Your Coverage Verification Letter for a cause or event, resulting in loss that occurs after the Coverage Effective Date, subject to any applicable terms, conditions or Exclusions, for a Covered Trip cancelled up to the time and date of departure. For all of the covered reasons outlined below, You must notify the appropriate Travel Supplier(s) of Your cancellation within 72 hours of the occurrence, unless the condition prevents it, then as soon as reasonably possible. Otherwise, covered benefits shall be limited to those that would have been paid had timely notice of cancellation been provided. A Maximum Benefit of up to the amount indicated in Your Coverage Verification Letter is provided to cover expenses which result from the cancellation of Your Covered Trip due to:
1. Any serious Injury or Emergency Illness:

a) Occurring to You or a Travel Companion, which is so disabling as to cause a reasonable person to delay or cancel their Covered Trip;

b) Occurring to a Family Member or Business Partner that is considered life threatening or requiring hospitalization; or

c) Occurring to a Family Member requiring Your care.

Treatment by a Physician must take place before the cancellation by You, a Family Member, a Travel Companion, a Travel Companion’s Family Member or a Business Partner. The treating Physician may not be a member of Your or Your Travel Companion’s immediate family or Yourself, or a Family Member of the person whose condition caused the cancellation.

2. Your death, the death of a Family Member, a Travel Companion, a Travel Companion’s Family Member or a Business Partner if the death occurs after the Coverage Effective Date and prior to Your Scheduled Departure Date. (For Trip Interruption, death must occur prior to the Coverage Termination Date.) Notice of cancellation must be provided to all Travel Suppliers within 5 days of the death that causes the cancellation. Otherwise, Covered Benefits shall be limited to those that would have been paid had timely notice of cancellation been provided.

37 iTravelInsured
Elite
Included in Trip Cancellation and Trip Interruption Quote

Full Policy Wording

Trip Cancellation

Trip Cancellation provides benefits for unused, non-refundable payments made by You not to exceed the maximum amount indicated in Your Coverage Verification Letter for a cause or event, resulting in loss that occurs after the Coverage Effective Date, subject to any applicable terms, conditions or Exclusions, for a Covered Trip cancelled up to the time and date of departure. For all of the covered reasons outlined below, You must notify the appropriate Travel Supplier(s) of Your cancellation within 72 hours of the occurrence, unless the condition prevents it, then as soon as reasonably possible. Otherwise, covered benefits shall be limited to those that would have been paid had timely notice of cancellation been provided. A Maximum Benefit of up to the amount indicated in Your Coverage Verification Letter is provided to cover expenses which result from the cancellation of Your Covered Trip due to:

1. Any serious Injury or Emergency Illness:

a) Occurring to You or a Travel Companion, which is so disabling as to cause a reasonable person to delay or cancel their Covered Trip;

b) Occurring to a Family Member or Business Partner that is considered life threatening or requiring hospitalization; or

c) Occurring to a Family Member requiring Your care.

Treatment by a Physician must take place before the cancellation by You, a Family Member, a Travel Companion, a Travel Companion’s Family Member or a Business Partner. The treating Physician may not be a member of Your or Your Travel Companion’s immediate family or Yourself, or a Family Member of the person whose condition caused the cancellation.

38 iTravelInsured
Travel Lite
Included in Trip Cancellation and Trip Interruption Quote

Full Policy Wording

Trip Cancellation

Trip Cancellation provides benefits for unused, non- refundable payments made by You not to exceed the maximum amount indicated in Your Coverage Verification Letter for a cause or event, resulting in loss that occurs after the Coverage Effective Date, subject to any applicable terms, conditions or Exclusions, for a Covered Trip cancelled up to the time and date of departure. For all of the covered reasons outlined below, You must notify the appropriate Travel Supplier(s) of Your cancellation within 72 hours of the occurrence, unless the condition prevents it, then as soon as reasonably possible. Otherwise, covered benefits shall be limited to those that would have been paid had timely notice of cancellation been provided. A Maximum Benefit of up to the amount indicated in Your Coverage Verification Letter is provided to cover expenses which result from the cancellation of Your Covered Trip due to:

1. Any serious Injury or Emergency Illness:

a) Occurring to You or a Travel Companion, which is so disabling as to cause a reasonable person to delay or cancel their Covered Trip;

b) Occurring to a Family Member or Business Partner that is considered life threatening or requiring hospitalization; or

c) Occurring to a Family Member requiring Your care.

Treatment by a Physician must take place before the cancellation by You, a Family Member, a Travel Companion, a Travel Companion’s Family Member, or a Business Partner. The treating Physician may not be a member of Your or Your Travel Companion’s immediate family or Yourself, or a Family Member of the person whose condition caused the cancellation.

2. Your death, the death of a Family Member, a Travel Companion, a Travel Companion’s Family Member or a Business Partner if the death occurs after the Coverage Effective Date and prior to Your Scheduled Departure Date (For Trip Interruption, death must occur prior to the Coverage Termination Date). Notice of cancellation must be provided to all Travel Suppliers within 5 days of the death that causes the cancellation. Otherwise, Covered Benefits shall be limited to those that would have been paid had timely notice of cancellation been provided.

39 iTravelInsured
365 Travel Medical Program
No coverage Quote

Full Policy Wording

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

40 iTravelInsured
Student
Included in Trip Cancellation and Trip Interruption Quote

Full Policy Wording

Trip Cancellation

Trip Cancellation provides benefits for unused, non- refundable payments made by You not to exceed the maximum amount indicated in Your Coverage Verification Letter for a cause or event, resulting in loss that occurs after the Coverage Effective Date, subject to any applicable terms, conditions or Exclusions, for a Covered Trip cancelled up to the time and date of departure. For all of the covered reasons outlined below, You must notify the appropriate Travel Supplier(s) of Your cancellation within 72 hours of the occurrence, unless the condition prevents it, then as soon as reasonably possible. Otherwise, covered benefits shall be limited to those that would have been paid had timely notice of cancellation been provided. A Maximum Benefit of up to the amount indicated in Your Coverage Verification Letter is provided to cover expenses which result from the cancellation of Your Covered Trip due to:

1. Any serious Injury or Emergency Illness:

a) Occurring to You or a Travel Companion, which is so disabling as to cause a reasonable person to delay or cancel their Covered Trip;

b) Occurring to a Family Member or Business Partner that is considered life threatening or requiring hospitalization; or

c) Occurring to a Family Member requiring Your care.

Treatment by a Physician must take place before the cancellation by You, a Family Member, a Travel Companion, a Travel Companion’s Family Member or a Business Partner. The treating Physician may not be a member of Your or Your Travel Companion’s immediate family or Yourself, or a Family Member of the person whose condition caused the cancellation.

41 iTravelInsured
Standard Travel
Included in Trip Cancellation and Trip Interruption Quote

Full Policy Wording

Trip Cancellation

Trip Cancellation provides benefits for unused, non- refundable payments made by You not to exceed the maximum amount indicated in Your Coverage Verification Letter for a cause or event, resulting in loss that occurs after the Coverage Effective Date, subject to any applicable terms, conditions or Exclusions, for a Covered Trip cancelled up to the time and date of departure. For all of the covered reasons outlined below, You must notify the appropriate Travel Supplier(s) of Your cancellation within 72 hours of the occurrence, unless the condition prevents it, then as soon as reasonably possible. Otherwise, covered benefits shall be limited to those that would have been paid had timely notice of cancellation been provided. A Maximum Benefit of up to the amount indicated in Your Coverage Verification Letter is provided to cover expenses which result from the cancellation of Your Covered Trip due to:

1. Any serious Injury or Emergency Illness:

a) Occurring to You or a Travel Companion, which is so disabling as to cause a reasonable person to delay or cancel their Covered Trip;

b) Occurring to a Family Member or Business Partner that is considered life threatening or requiring hospitalization; or

c) Occurring to a Family Member requiring Your care.

Treatment by a Physician must take place before the cancellation by You, a Family Member, a Travel Companion, a Travel Companion’s Family Member or a Business Partner. The treating Physician may not be a member of Your or Your Travel Companion’s immediate family or Yourself, or a Family Member of the person whose condition caused the cancellation.

42 iTravelInsured
365 Standard
Included in Trip Cancellation and Trip Interruption Quote

Full Policy Wording

Trip Cancellation

Trip Cancellation provides benefits for unused, non- refundable payments made by You not to exceed the maximum amount indicated in Your Coverage Verification Letter for a cause or event, resulting in loss that occurs after the Coverage Effective Date, subject to any applicable terms, conditions or Exclusions, for a Covered Trip cancelled up to the time and date of departure. For all of the covered reasons outlined below, You must notify the appropriate Travel Supplier(s) of Your cancellation within 72 hours of the occurrence, unless the condition prevents it, then as soon as reasonably possible. Otherwise, covered benefits shall be limited to those that would have been paid had timely notice of cancellation been provided. A Maximum Benefit of up to the amount indicated in Your Coverage Verification Letter is provided to cover expenses which result from the cancellation of Your Covered Trip due to:

1. Any serious Injury or Emergency Illness:

a) Occurring to You or a Travel Companion, which is so disabling as to cause a reasonable person to delay or cancel their Covered Trip;

b) Occurring to a Family Member or Business Partner that is considered life threatening or requiring hospitalization; or

c) Occurring to a Family Member requiring Your care.

Treatment by a Physician must take place before the cancellation by You, a Family Member, a Travel Companion, a Travel Companion’s Family Member or a Business Partner. The treating Physician may not be a member of Your or Your Travel Companion’s immediate family or Yourself, or a Family Member of the person whose condition caused the cancellation.

43 iTravelInsured
365 Deluxe
Included in Trip Cancellation and Trip Interruption Quote

Full Policy Wording

Trip Cancellation

Trip Cancellation provides benefits for unused, non- refundable payments made by You not to exceed the maximum amount indicated in Your Coverage Verification Letter for a cause or event, resulting in loss that occurs after the Coverage Effective Date, subject to any applicable terms, conditions or Exclusions, for a Covered Trip cancelled up to the time and date of departure. For all of the covered reasons outlined below, You must notify the appropriate Travel Supplier(s) of Your cancellation within 72 hours of the occurrence, unless the condition prevents it, then as soon as reasonably possible. Otherwise, covered benefits shall be limited to those that would have been paid had timely notice of cancellation been provided. A Maximum Benefit of up to the amount indicated in Your Coverage Verification Letter is provided to cover expenses which result from the cancellation of Your Covered Trip due to:

1. Any serious Injury or Emergency Illness:

a) Occurring to You or a Travel Companion, which is so disabling as to cause a reasonable person to delay or cancel their Covered Trip;

b) Occurring to a Family Member or Business Partner that is considered life threatening or requiring hospitalization; or

c) Occurring to a Family Member requiring Your care.

Treatment by a Physician must take place before the cancellation by You, a Family Member, a Travel Companion, a Travel Companion’s Family Member or a Business Partner. The treating Physician may not be a member of Your or Your Travel Companion’s immediate family or Yourself, or a Family Member of the person whose condition caused the cancellation.

44 MedjetAssist
Annual Membership
No coverage Quote

Full Policy Wording

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

45 MedjetAssist
MedjetAssist Extended Stay
No coverage Quote

Full Policy Wording

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

46 MedjetAssist
MedjetAssist Short Term Plan
No coverage Quote

Full Policy Wording

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

47 MH Ross Travel Insurance Services
Asset Plus
Included in Trip Cancellation and Trip Interruption Quote

Full Policy Wording

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

a) Sickness, Accidental Injury or death of You, Your Traveling Companion, 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;

48 MH Ross Travel Insurance Services
Bridge
Included in Trip Cancellation and Trip Interruption Quote

Full Policy Wording

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

a) Sickness, Accidental Injury or death of You, Your Traveling Companion, 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;

49 MH Ross Travel Insurance Services
Complete
Included in Trip Cancellation and Trip Interruption Quote

Full Policy Wording

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

a) Sickness, Accidental Injury or death of You, Your Traveling Companion, 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;

50 MH Ross Travel Insurance Services
Asset
Included in Trip Cancellation and Trip Interruption Quote

Full Policy Wording

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

a) Sickness, Accidental Injury or death of You, Your Traveling Companion, 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;

51 RoamRight
Essential
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.

52 RoamRight
Essential
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

53 RoamRight
Preferred
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.

54 RoamRight
Preferred
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;

55 RoamRight
Elite
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.

56 RoamRight
Elite
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;

57 RoamRight
Active
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.

58 RoamRight
Active
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;

59 RoamRight
Adventure
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.

60 RoamRight
Adventure
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;

61 RoamRight
Multi-Trip
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.

62 RoamRight
Multi-Trip Medical excl US
No coverage Quote

Full Policy Wording

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

63 RoamRight
Medical excl US
No coverage Quote

Full Policy Wording

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

64 RoamRight
Evacuation
No coverage Quote

Full Policy Wording

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

65 Seven Corners Inc
RoundTrip
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.

66 Seven Corners Inc
RoundTrip Choice
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.

67 Seven Corners Inc
Liaison Continent excl US
No coverage Quote

Full Policy Wording

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

68 Seven Corners Inc
Liaison Majestic excl US
No coverage Quote

Full Policy Wording

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

69 Seven Corners Inc
Liaison International excl US
No coverage Quote

Full Policy Wording

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

70 Seven Corners Inc
RoundTrip Economy
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 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;

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;

71 Seven Corners Inc
RoundTrip Elite
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 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;

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;

72 Seven Corners Inc
Wander Frequent Traveler excl US
No coverage Quote

Full Policy Wording

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

73 Tin Leg
Economy
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.

74 Tin Leg
Standard
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.

75 Tin Leg
Luxury
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.

76 Travel Guard
Gold
Included in Trip Cancellation and Trip Interruption Quote

Full Policy Wording

TRIP CANCELLATION AND INTERRUPTION

The Company will reimburse the Insured a benefit, up to the Maximum Limit shown in the Schedule or Declarations Page if an Insured cancels his/her Trip or is unable to continue on his/her Trip due to any of the following Unforeseen events:

a) Sickness, Injury or death of an Insured, Family Member, Traveling Companion, Business Partner or Host at Destination;

(1) Sickness or Injury of an Insured, Traveling Companion or Family Member traveling with the Insured must be so disabling as to reasonably cause a Trip to be canceled or interrupted or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing continued participation in the Trip;

(2) Sickness or Injury of a Family Member not traveling with the Insured must be because their condition is life threatening as certified by a Physician, or they require the Insured’s 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) Sickness or Injury of the Business Partner must be so disabling as to reasonably cause the Insured to cancel or interrupt the Trip to assume daily management of the business. Such disability must be certified by a Physician;

(4) Sickness, Injury, death or hospitalization of the Insured’s Host at Destination. A Physician must certify the Sickness or Injury.

77 Travel Guard
Platinum
Included in Trip Cancellation and Trip Interruption Quote

Full Policy Wording

TRIP CANCELLATION AND INTERRUPTION

The Company will reimburse the Insured a benefit, up to the Maximum Limit shown in the Schedule or Declarations Page if an Insured cancels his/her Trip or is unable to continue on his/her Trip due to any of the following Unforeseen events:

a) Sickness, Injury or death of an Insured, Family Member, Traveling Companion, Business Partner or Host at Destination;

(1) Sickness or Injury of an Insured, Traveling Companion or Family Member traveling with the Insured must be so disabling as to reasonably cause a Trip to be canceled or interrupted or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing continued participation in the Trip;

(2) Sickness or Injury of a Family Member not traveling with the Insured;

(3) Sickness or Injury of the Business Partner must be so disabling as to reasonably cause the Insured to cancel or interrupt the Trip to assume daily management of the business. Such disability must be certified by a Physician;

(4) Sickness, Injury, death or hospitalization of the Insured’s Host at Destination. A Physician must certify the Sickness or Injury.

78 Travel Guard
Silver
Included in Trip Cancellation and Trip Interruption Quote

Full Policy Wording

TRIP CANCELLATION AND INTERRUPTION

The Company will reimburse the Insured a benefit, up to the Maximum Limit shown in the Schedule or Declarations Page if an Insured cancels his/her Trip or is unable to continue on his/her Trip due to any of the following Unforeseen events:

a) Sickness, Injury or death of an Insured, Family Member, Traveling Companion or Business Partner;

(1) Sickness or Injury of an Insured, Traveling Companion or Family Member traveling with the Insured must be so disabling as to reasonably cause a Trip to be canceled or interrupted or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing continued participation in the Trip;

(2) Sickness or Injury of a Family Member not traveling with the Insured must be because their condition is life threatening as certified by a Physician, or they require the Insured’s 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) Sickness or Injury of the Business Partner must be so disabling as to reasonably cause the Insured to cancel or interrupt the Trip to assume daily management of the business. Such disability must be certified by a Physician;

79 Travel Insured International
Worldwide Trip Protector Lite
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 Travel Insured International
Worldwide Trip Protector Plus
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 Travel Insured International
Worldwide Trip Protector
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;

82 Travelex Insurance Services
Flight Insure Multi-trip - AD&D Only
No coverage Quote

Full Policy Wording

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

83 Travelex Insurance Services
Flight Insure Package Plan Multi-trip
No coverage Quote

Full Policy Wording

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

84 Travelex Insurance Services
Flight Insure Plus - Flight AD&D Only
No coverage Quote

Full Policy Wording

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

85 Travelex Insurance Services
Flight Insure Plus - Package Plan
No coverage Quote

Full Policy Wording

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

86 Travelex Insurance Services
Travel Basic
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 Travelex Insurance Services
Travel Max
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 Travelex Insurance Services
Travel Select
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);

89 TravelSafe
Basic
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 cover You for the unused non-refundable prepaid expenses for Travel Arrangements, including up to $150 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. Death involving You or Your Traveling Companion or Your or Your Traveling Companion’s Business Partner or Your Family Member;

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

90 TravelSafe
Classic
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 cover You for the unused non-refundable prepaid expenses for Travel Arrangements, including up to $150 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. Death involving You or Your Traveling Companion or Your or Your Traveling Companion’s Business Partner or Your Family Member;

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

91 TravelSafe
Classic Plus
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 cover You for the unused non-refundable prepaid expenses for Travel Arrangements, including up to $150 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. Death involving You or Your Traveling Companion or Your or Your Traveling Companion’s Business Partner or Your Family Member;

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

92 Trawick International
Safe Travels USA
No coverage Quote

Full Policy Wording

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

93 Trawick International
Safe Travels International excl US
No coverage Quote

Full Policy Wording

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

94 Trawick International
Safe Travels USA Trip Protection
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;

95 Trawick International
Safe Travels International Trip Protection excl US
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;

96 USA-ASSIST Worldwide Protection
Global Travel Medical Diamond
No coverage Quote

Full Policy Wording

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

97 USA-ASSIST Worldwide Protection
Global Travel Medical Executive
No coverage Quote

Full Policy Wording

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

98 USA-ASSIST Worldwide Protection
Global Travel Medical Gold
No coverage Quote

Full Policy Wording

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

99 USA-ASSIST Worldwide Protection
Global Travel Medical Platinum
No coverage Quote

Full Policy Wording

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

100 USA-ASSIST Worldwide Protection
Global Travel Medical Standard
No coverage Quote

Full Policy Wording

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

101 USA-ASSIST Worldwide Protection
Global Travel Medical Titanium
No coverage Quote

Full Policy Wording

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

102 USA-ASSIST Worldwide Protection
GlobalTrip Classic
Included in Trip Cancellation and Trip Interruption Quote

Full Policy Wording

You have benefits in the amount purchased* for unused non-refundable prepaid expenses for travel arrangements, whenever you are prevented from taking a trip for any of the following reasons that occur after the effective date of your protection plan:

1. Specified sickness, injury or death of You, Your traveling companion, business partner or family member of either You or Your traveling companion that results in medically imposed restrictions as certified by a legally qualified physician at the time of loss, preventing your continued participation in the trip.

*Please note that the full cost of the trip must be declared and informed in the purchase form, up to a maximum of US$ 20,000 per person. Otherwise, in case of a Trip Cancellation or Trip Interruption claim, benefit will be settled proportionally to the declared trip cost amount (pro-rata). If Airline tickets are paid with award miles, the cost of issuing the ticket and taxes paid must be included in the full declared cost of the trip.

103 USA-ASSIST Worldwide Protection
GlobalTrip Saver
Included in Trip Cancellation and Trip Interruption Quote

Full Policy Wording

You have benefits in the amount purchased* for unused non-refundable prepaid expenses for travel arrangements, whenever you are prevented from taking a trip for any of the following reasons that occur after the effective date of your protection plan:

1. Specified sickness, injury or death of You, Your traveling companion, business partner or family member of either You or Your traveling companion that results in medically imposed restrictions as certified by a legally qualified physician at the time of loss, preventing your continued participation in the trip.

*Please note that the full cost of the trip must be declared and informed in the purchase form, up to a maximum of US$ 20,000 per person. Otherwise, in case of a Trip Cancellation or Trip Interruption claim, benefit will be settled proportionally to the declared trip cost amount (pro-rata). If Airline tickets are paid with award miles, the cost of issuing the ticket and taxes paid must be included in the full declared cost of the trip.

104 USA-ASSIST Worldwide Protection
GlobalTrip Plus
Included in Trip Cancellation and Trip Interruption Quote

Full Policy Wording

You have benefits in the amount purchased* for unused non-refundable prepaid expenses for travel arrangements, whenever you are prevented from taking a trip for any of the following reasons that occur after the effective date of your protection plan:

1. Specified sickness, injury or death of You, Your traveling companion, business partner or family member of either You or Your traveling companion that results in medically imposed restrictions as certified by a legally qualified physician at the time of loss, preventing your continued participation in the trip.

*Please note that the full cost of the trip must be declared and informed in the purchase form, up to a maximum of US$ 20,000 per person. Otherwise, in case of a Trip Cancellation or Trip Interruption claim, benefit will be settled proportionally to the declared trip cost amount (pro-rata). If Airline tickets are paid with award miles, the cost of issuing the ticket and taxes paid must be included in the full declared cost of the trip.

105 USA-ASSIST Worldwide Protection
GlobalTrip High Medical
Included in Trip Cancellation and Trip Interruption Quote

Full Policy Wording

You have benefits in the amount purchased* for unused non-refundable prepaid expenses for travel arrangements, whenever you are prevented from taking a trip for any of the following reasons that occur after the effective date of your protection plan:

1. Specified sickness, injury or death of You, Your traveling companion, business partner or family member of either You or Your traveling companion that results in medically imposed restrictions as certified by a legally qualified physician at the time of loss, preventing your continued participation in the trip.

*Please note that the full cost of the trip must be declared and informed in the purchase form, up to a maximum of US$ 20,000 per person. Otherwise, in case of a Trip Cancellation or Trip Interruption claim, benefit will be settled proportionally to the declared trip cost amount (pro-rata). If Airline tickets are paid with award miles, the cost of issuing the ticket and taxes paid must be included in the full declared cost of the trip.