Cancel For Work Reasons Full Policy Wording

Each policy’s Cancel For Work Reasons coverage is detailed below. View the coverage summary here.

April Travel Protection
April Travel Protection

1

Choice
April Travel Protection

Cancel For Work Reasons Benefits

Optional coverage

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Full Policy Wording

TRIP CANCELLATION FOR BUSINESS REASONS

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

In the event you used frequent flyer miles to arrange air transportation for this Trip, and you cancel due to a Covered Event, we will reimburse you for the cost to reinstate your miles to your account, up to the amount in the Schedule. Should you elect to reschedule your Trip arrangements instead of cancelling due to a Covered Event, in lieu of providing benefits for the forfeited, prepaid, nonrefundable, non-refunded and unused published Payments, we will pay for change fees charged by your supplier(s), up to the amount in the Schedule.

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

Covered Events:

1. Receiving notification that you or your Traveling Companion are required to work during your Trip dates. A notarized, written statement from an officer or the human resources department of your or your Traveling Companion’s employer is required to document the approval of time off and the revocation of the previously granted time off;

2. Being directly involved in a merger or acquisition that is announced after the effective date of coverage. You or your Traveling Companion must be an employee of the company that is merging and must be an active member of the merger or acquisition team. A notarized, written statement from an officer or the human resources department of your or your Traveling Companion’s employer, is required to certify the merger and document your revocation of previously granted time off due to the merger or acquisition.

Limitations

If you fail to notify the appropriate Travel Supplier of your cancellation within 72 hours of becoming aware of the need to cancel, we will pay only the cancellation penalties you were subject to at the time of becoming aware of the need to cancel. If you are medically unable to notify the appropriate Travel Supplier within 72 hours, he/she must notify them as soon as medically possible.

This coverage is not available to self-employed, business owners and persons employed by family members.

This coverage is subject to the General Exclusions.

2

Choice
April Travel Protection

Cancel For Work Reasons Benefits

Optional coverage

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Full Policy Wording

TRIP CANCELLATION FOR BUSINESS REASONS

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

In the event you used frequent flyer miles to arrange air transportation for this Trip, and you cancel due to a Covered Event, we will reimburse you for the cost to reinstate your miles to your account, up to the amount in the Schedule. Should you elect to reschedule your Trip arrangements instead of cancelling due to a Covered Event, in lieu of providing benefits for the forfeited, prepaid, nonrefundable, non-refunded and unused published Payments, we will pay for change fees charged by your supplier(s), up to the amount in the Schedule.

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

Covered Events:

1. Receiving notification that you or your Traveling Companion are required to work during your Trip dates. A notarized, written statement from an officer or the human resources department of your or your Traveling Companion’s employer is required to document the approval of time off and the revocation of the previously granted time off;

2. Being directly involved in a merger or acquisition that is announced after the effective date of coverage. You or your Traveling Companion must be an employee of the company that is merging and must be an active member of the merger or acquisition team. A notarized, written statement from an officer or the human resources department of your or your Traveling Companion’s employer, is required to certify the merger and document your revocation of previously granted time off due to the merger or acquisition.

Limitations

If you fail to notify the appropriate Travel Supplier of your cancellation within 72 hours of becoming aware of the need to cancel, we will pay only the cancellation penalties you were subject to at the time of becoming aware of the need to cancel. If you are medically unable to notify the appropriate Travel Supplier within 72 hours, he/she must notify them as soon as medically possible.

This coverage is not available to self-employed, business owners and persons employed by family members.

This coverage is subject to the General Exclusions.

Arch RoamRight
Arch RoamRight

3

Essential
Arch RoamRight

Cancel For Work Reasons Benefits

No coverage

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Full Policy Wording

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

4

Preferred
Arch RoamRight

Cancel For Work Reasons Benefits

Optional coverage

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Full Policy Wording

OPTIONAL CANCEL FOR WORK REASONS

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 for one of the following covered Unforeseen reasons provided payment for this optional benefit is received within the Time Sensitive Period:

a) Your or Your Traveling Companion’s transfer of employment of 100 miles or more by the employer with whom You or Your Traveling Companion are employed on Your Effective Date that requires Your or Your Traveling Companion’s principal residence to be relocated;

b) You or Your Traveling Companion, neither of whom is a company owner or partner or is self-employed, are required to work during the scheduled Trip, as attested in writing by an unrelated company official and/or the company’s Human Resources Department;

c) Your or Your Traveling Companion’s company is directly involved in either a merger with another company or is being acquired by another company. You or Your Traveling Companion must be an active, full-time employee and cannot be a company owner or partner or self-employed, and You or Your Traveling Companion must be directly involved in such merger or acquisition;

d) Your or Your Traveling Companion’s place of employment is rendered unsuitable for business or company operations or is interrupted due to burglary, vandalism or a Natural Disaster, product recall, Bankruptcy or Default and You and/or Your Traveling Companion are required to work as a result;

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

5

Elite
Arch RoamRight

Cancel For Work Reasons Benefits

Covered for 100% of trip cost if purchased within 21 days of trip deposit

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Full Policy Wording

CANCEL FOR WORK REASONS

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 for one of the following covered Unforeseen reasons provided payment for this benefit is received within the Time Sensitive Period:

a) Your or Your Traveling Companion’s transfer of employment of 100 miles or more by the employer with whom You or Your Traveling Companion are employed on Your Effective Date that requires Your or Your Traveling Companion’s principal residence to be relocated;

b) You or Your Traveling Companion, neither of whom is a company owner or partner, or is self-employed, are required to work during the scheduled Trip, as attested in writing by an unrelated company official and/or the company’s Human Resources Department;

c) Your or Your Traveling Companion’s company is directly involved in either a merger with another company or is being acquired by another company. You or Your Traveling Companion must be an active, full-time employee and cannot be a company owner or partner or self-employed, and You or Your Traveling Companion must be directly involved in such merger or acquisition;

d) Your or Your Traveling Companion’s place of employment is rendered unsuitable for business or company operations or is interrupted due to burglary, vandalism or a Natural Disaster, product recall, Bankruptcy or Default and You and/or Your Traveling Companion are required to work as a result;

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

6

Multi-Trip
Arch RoamRight

Cancel For Work Reasons Benefits

No coverage

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Full Policy Wording

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

AXA Assistance USA
AXA Assistance USA

7

Platinum
AXA Assistance USA

Cancel For Work Reasons Benefits

Included in Trip Cancellation and Trip Interruption

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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:

You or a Traveling Companion being required to work during the Trip. Proof of requirement to work, such as a notarized statement signed by an officer of Your or a Traveling Companion’s employer must be presented and said employer must comprise of at least twenty-five (25) full-time employees;

Your or a Traveling Companion’s company being directly involved in a merger, acquisition, government required product recall or Bankruptcy proceedings. You or a Traveling Companion must be an active employee of the company and must be directly involved in said event;

You or a Traveling Companion has a transfer of employment of two hundred fifty (250) miles or more;

Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection

8

ExactCare
Berkshire Hathaway Travel Protection

Cancel For Work Reasons Benefits

Included in Trip Cancellation and Trip Interruption

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Full Policy Wording

TRIP CANCELLATION AND INTERRUPTION

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

Work

b) You or a Traveling Companion are required to work during his/her scheduled Trip. He/she must provide proof of requirement to work, such as a notarized statement signed by an officer of his/her employer. In the situation of self‐employment, proof of self‐employment and a notarized statement confirming that he/she is unable to travel due to his or her job obligations will be required.

c) You or a Traveling Companion are directly involved in a merger, acquisition, government required product recall, or bankruptcy proceedings and must be currently employed by the company that is involved in said event;

d) Your or a Traveling Companion’s company is deemed to be unsuitable for business due to burglary, or Natural Disaster and You or a Traveling Companion is directly involved as a Key Employee of the disaster recovery team.

9

ExactCare Value
Berkshire Hathaway Travel Protection

Cancel For Work Reasons Benefits

No coverage

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Full Policy Wording

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

Cat 70
Cat 70

10

Travel Plan
Cat 70

Cancel For Work Reasons Benefits

No coverage

Start a New Search

Full Policy Wording

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

HTH Travel Insurance
HTH Travel Insurance

11

TripProtector Preferred
HTH Travel Insurance

Cancel For Work Reasons Benefits

No coverage

Start a New Search

Full Policy Wording

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

12

TripProtector Classic
HTH Travel Insurance

Cancel For Work Reasons Benefits

No coverage

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Full Policy Wording

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

iTravelInsured
iTravelInsured

13

Travel Lite
iTravelInsured

Cancel For Work Reasons Benefits

Covered for 100% of trip cost if purchased within 20 days of trip deposit

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Full Policy Wording

Benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, to reimburse You for the amount of unused non-refundable Prepaid Payments or Deposits You paid for Travel Arrangements, including up to seventy-five dollars ($75) 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:

q. You, Your Traveling Companion or a Family Member traveling with You is required to work during the Trip. A written statement by an unrelated company official and/or the human resources department demonstrating revocation of previously approved time off will be required. This benefit only applies if the Policy has been purchased within twenty (20) days of Your initial payment for the Trip.;

14

Travel SE
iTravelInsured

Cancel For Work Reasons Benefits

Covered for 100% of trip cost if purchased within 20 days of trip deposit

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Full Policy Wording

Benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, to reimburse You for the amount of unused non-refundable Prepaid Payments or Deposits You paid for Travel Arrangements, including up to seventy-five dollars ($75) 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:

q. You, Your Traveling Companion or a Family Member traveling with You is required to work during the Trip. A written statement by an unrelated company official and/or the human resources department demonstrating revocation of previously approved time off will be required. This benefit only applies if the Policy has been purchased within twenty (20) days of Your initial payment for the Trip.;

15

Travel LX
iTravelInsured

Cancel For Work Reasons Benefits

Covered for 100% of trip cost if purchased within 20 days of trip deposit

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Full Policy Wording

Benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, to reimburse You for the amount of unused non-refundable Prepaid Payments or Deposits You paid for Travel Arrangements, including up to seventy-five dollars ($75) 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:

q. You, Your Traveling Companion or a Family Member traveling with You is required to work during the Trip. A written statement by an unrelated company official and/or the human resources department demonstrating revocation of previously approved time off will be required. This benefit only applies if the Policy has been purchased within twenty (20) days of Your initial payment for the Trip.;

Seven Corners Inc
Seven Corners Inc

16

RoundTrip Choice
Seven Corners Inc

Cancel For Work Reasons Benefits

Optional coverage

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Full Policy Wording

OPTIONAL TRIP CANCELLATION FOR WORK REASONS

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

a) You, Your Traveling Companion or Family Member traveling with You is directly involved in the merger of Your employer or the acquisition of Your employer by another company;

b) A transfer of You or Your Traveling Companion by the employer by whom You or Your Traveling Companion are employed on Your Effective Date which requires their principal residence to be relocated;

c) You, Your Traveling Companion or a Family Member traveling with You is required to work during the Trip. A written statement by an unrelated company official and/or the human resources department demonstrating revocation of previously approved time off will be required. This provision is not applicable to temporary employment, independent contractors or self-employed persons;

d) Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire, flood, burglary or other Natural Disaster and You and/or Your Traveling Companion are required to work as a result.

17

RoundTrip Economy
Seven Corners Inc

Cancel For Work Reasons Benefits

No coverage

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Full Policy Wording

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

18

RoundTrip Elite
Seven Corners Inc

Cancel For Work Reasons Benefits

Optional coverage

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Full Policy Wording

OPTIONAL TRIP CANCELLATION FOR WORK REASONS

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

a. You, Your Traveling Companion or Family Member traveling with You is directly involved in the merger of Your employer or the acquisition of Your employer by another company;

b. A transfer of You or Your Traveling Companion by the employer by whom You or Your Traveling Companion are employed on Your Effective Date which requires their principal residence to be relocated;

c. You, Your Traveling Companion or a Family Member traveling with You is required to work during the Trip. A written statement by an unrelated company official and/or the human resources department demonstrating revocation of previously approved time off will be required. This provision is not applicable to temporary employment, independent contractors or self-employed persons;

d. Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire, flood, burglary or other Natural Disaster and You and/or Your Traveling Companion are required to work as a result.

All cancellations must be reported to the Travel Supplier within 72 hours of the event causing the need to cancel. If the event delays the reporting of the cancellation beyond the 72 hours, the event should be reported as soon as possible. Increased amounts of Published Penalties and unused non-refundable Prepaid Payments or Deposits that result from all other delays of reporting beyond 72 hours are not covered.

If Your Travel Supplier cancels Your Trip, a benefit will be paid up to a maximum of $75 for the reissue fee charged by the airline for the tickets. You must have covered the entire cost of Your Trip including the airfare cost.

The maximum payable under this Trip Cancellation Benefit is the Maximum Benefit Amount shown in the Schedule of Benefits.

Single Supplement

Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for Prepaid Travel Arrangements if a Traveling Companion’s or FamilyMember’s Trip is canceled for a covered reason and You do not cancel Your Trip.

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

Tin Leg
Tin Leg

19

Luxury
Tin Leg

Cancel For Work Reasons Benefits

Included in Trip Cancellation and Trip Interruption

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Full Policy Wording

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

b) You or a Traveling Companion are required to work during his/her scheduled Trip. He/she must provide proof of requirement to work, such as a notarized statement signed by an officer of his/her employer. In the situation of self-employment, proof of self-employment and a notarized statement confirming that he/she is unable to travel due to his or her job obligations will be required.

c) You or a Traveling Companion are directly involved in a merger, acquisition, government required product recall, or bankruptcy proceedings and must be currently employed by the company that is involved in said event;

d) Your or a Traveling Companion’s company is deemed to be unsuitable for business due to burglary, or Natural Disaster and You or a Traveling Companion is directly involved as a Key Employee of the disaster recovery team.

Travel Insured International
Travel Insured International

20

Worldwide Trip Protector Lite
Travel Insured International

Cancel For Work Reasons Benefits

Optional coverage

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Full Policy Wording

Optional Other Covered Reasons

l, m, n, and o must be specifically requested on the original application and the appropriate additional premium must be paid and purchase confirmed on Your Confirmation of Benefits. Optional Other Covered Reasons l, m, n, and o apply only to Coverage A — Trip Cancellation.

l. a permanent transfer of employment of 250 miles or more;

m. You, Your Traveling Companion or a Family Member traveling with You is required to work during the Trip. A written statement by an unrelated company official and/or the human resources department demonstrating revocation of previously approved time off will be required. This provision is not applicable to temporary employment, independent contractors or self-employed persons;

n. You or Your Traveling Companion or Family Member Traveling with You are directly involved in the merger of Your employer or the acquisition of Your employer by another company. You, Your Traveling Companion or Family Member cannot be a company owner or partner;

o. Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire, flood, burglary or other Natural Disaster and You and/or Your Traveling
Companion are required to work as a result.

21

Worldwide Trip Protector Plus
Travel Insured International

Cancel For Work Reasons Benefits

Included in Trip Cancellation and Trip Interruption

Start a New Search

Full Policy Wording

TRIP CANCELLATION

TRIP INTERRUPTION

“Other Covered Reasons” means:

o. You, Your Traveling Companion or a Family Member traveling with You is required to work during the Trip. A written statement by an unrelated company official and/or the human resources department demonstrating revocation of previously approved time off will be required. This provision is not applicable to temporary employment, independent contractors or self-employed persons;

22

Worldwide Trip Protector
Travel Insured International

Cancel For Work Reasons Benefits

Included in Trip Cancellation and Trip Interruption

Start a New Search

Full Policy Wording

TRIP CANCELLATION

TRIP INTERRUPTION

“Other Covered Reasons” means:

o. You, Your Traveling Companion or Your Family Member traveling with You is required to work during the Trip. A written statement by an unrelated company official and/or the human resources department demonstrating revocation of previously approved time off will be required. This provision is not applicable to temporary employment, independent contractors or self-employed persons;

Travelex Insurance Services
Travelex Insurance Services

23

Travel Basic
Travelex Insurance Services

Cancel For Work Reasons Benefits

Covered for 100% of trip cost if purchased within 15 days of trip deposit

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Full Policy Wording

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

Work

a) You or a Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least 1 continuous year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, seasonal

Cancel for Work Reasons coverage will be included for these additional Unforeseen events:

a) You or a Traveling Companion are required to work during Your scheduled Trip. You must provide proof of requirement to work, such as a notarized statement signed by an officer of Your employer. In the situation of self-employment, proof of self- employment and a notarized statement confirming that the Insured is unable to travel due to his or her job obligations will be required.

b) You or a Traveling Companion are directly involved in a merger, acquisition, government required product recall, or bankruptcy proceedings and must be currently employed by the company that is involved in said event;

c) You or a Traveling Companion’s company is deemed to be unsuitable for business due to burglary, or Natural Disaster and the You or a Traveling Companion are directly involved as a Key Employee of the disaster recovery team. This coverage applies only if insurance was purchased within 15 days of Initial Trip Payment.

24

Travel Select
Travelex Insurance Services

Cancel For Work Reasons Benefits

Included in Trip Cancellation and Trip Interruption

Start a New Search

Full Policy Wording

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

Work

b) You or Traveling Companion is required to work during his/her scheduled Trip. He/she must provide proof of requirement to work, such as a notarized statement signed by an officer of his/her employer. In the situation of self-employment, proof of self-employment and a notarized statement confirming that the Insured is unable to travel due to his or her job obligations will be required.

c) You or Traveling Companion is directly involved in a merger, acquisition, government required product recall, or bankruptcy proceedings and must be currently employed by the company that is involved in said event;

d) Your or Traveling Companion’s company is deemed to be unsuitable for business due to burglary, or Natural Disaster and the Insured or Traveling Companion is directly involved as a Key Employee of the disaster recovery team.

TravelSafe
TravelSafe

25

Basic
TravelSafe

Cancel For Work Reasons Benefits

No coverage

Start a New Search

Full Policy Wording

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

26

Classic
TravelSafe

Cancel For Work Reasons Benefits

Included in Trip Cancellation and Trip Interruption

Start a New Search

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:

q. You, Your Traveling Companion or a Family Member traveling with You is required to work during the Trip. A written statement by an unrelated company official and/or the human resources department demonstrating revocation of previously approved time off will be required. You, Your Traveling Companion or Family Member cannot be a company owner or partner;

27

Classic Plus
TravelSafe

Cancel For Work Reasons Benefits

Included in Trip Cancellation and Trip Interruption

Start a New Search

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:

q. You, Your Traveling Companion or a Family Member traveling with You is required to work during the Trip. A written statement by an unrelated company official and/or the human resources department demonstrating revocation of previously approved time off will be required. You, Your Traveling Companion or Family Member cannot be a company owner or partner;

t. You, Your Traveling Companion or Family Member traveling with You is directly involved in the merger of Your employer or the acquisition of Your employer by another company. You, Your Traveling Companion or Family Member cannot be a company owner or partner;