The table below shows you at a glance which company provides the most comprehensive coverage for the Employment Layoff element within your policy.

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

View full coverage summary for Employment Layoff for the policies below

Air Ambulance Card
Air Ambulance Card

1

Air Ambulance Card - Standard Annual
Air Ambulance Card

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

2

Air Ambulance Card - Extended Stay 6 Months
Air Ambulance Card

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

3

Air Ambulance Card - Extended Stay 12 Months
Air Ambulance Card

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

APRIL Travel Protection
APRIL Travel Protection

4

Economy Plan
APRIL Travel Protection

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

5

VIP Plan
APRIL Travel Protection

Employment Layoff Benefits
Covered If employed for 5 continuous years

Quote

Full Policy Wording

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

l) You or Your Traveling Companion are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 5 consecutive years.

6

Trip Cancellation Plan
APRIL Travel Protection

Employment Layoff Benefits
Covered If employed for 5 continuous years

Quote

Full Policy Wording

For trip cancellation, unforseen events include:

h) you or your Traveling Companion are terminated, or laid off from employment, from a place of employment for which you have been employed for the past 5 consecutive years.

7

Multi-Trip Plan Universal
APRIL Travel Protection

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

8

Multi-Trip Plan Elite
APRIL Travel Protection

Employment Layoff Benefits
Covered If employed for 5 continuous years

Quote

Full Policy Wording

TRIP INTERRUPTION

Unforeseen Events Include:

l) You or Your Traveling Companion are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 5 consecutive years.

9

Choice
APRIL Travel Protection

Employment Layoff Benefits
Covered If employed for 2 continuous years

Quote

Full Policy Wording

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

j) You are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 2 consecutive years.

AXA Assistance USA
AXA Assistance USA

10

Silver
AXA Assistance USA

Employment Layoff Benefits
Optional coverage

Quote

Full Policy Wording

TRIP CANCELLATION FOR WORK REASONS

This coverage is Optional and must be shown on Your Confirmation of Benefits.

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

f) You or Your Traveling Companion are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 2 consecutive years.

11

Gold
AXA Assistance USA

Employment Layoff Benefits
Covered If employed for 2 continuous years

Quote

Full Policy Wording

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

h) You or Your Traveling Companion are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 2 consecutive years.

12

Platinum
AXA Assistance USA

Employment Layoff Benefits
Covered If employed for 2 continuous years

Quote

Full Policy Wording

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

i) You or Your Traveling Companion are terminated, or laid off from employment, from a place of employment for which
You have been employed for the past 2 consecutive years.

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

13

Beacon America incl US
Azimuth Risk Solutions, LLC

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

14

Beacon International excl US
Azimuth Risk Solutions, LLC

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection

15

ExactCare
Berkshire Hathaway Travel Protection

Employment Layoff Benefits
Covered If employed for 1 continuous year

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:

(j) the Insured or 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 year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons;

CSA Travel Protection
CSA Travel Protection

16

Custom
CSA Travel Protection

Employment Layoff Benefits
Covered after 14 day wait If employed for 1 continuous year

Quote

Full Policy Wording

TRIP CANCELLATION BENEFIT

TRIP INTERRUPTION BENEFIT

Covered Events:

12. Your involuntary termination of employment or layoff (or the involuntary termination or layoff of your parent or guardian if you are a minor traveling alone), after continuous employment with the same employer for 1 year or more, provided the termination or layoff occurs 14 days or more after your coverage has taken effect. This benefit is not available to temporary employees, independent contractors, or self-employed persons;

GeoBlue
GeoBlue

17

Voyager Choice
GeoBlue

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

18

Voyager Essential
GeoBlue

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

19

Trekker Choice excl US
GeoBlue

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

20

Trekker Essential excl US
GeoBlue

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

Global Alert
Global Alert

21

Essentials
Global Alert

Employment Layoff Benefits
Covered If employed for 2 continuous years

Quote

Full Policy Wording

TRIP CANCELLATION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen events listed below.

(h) You are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 2 consecutive years.

22

Preferred
Global Alert

Employment Layoff Benefits
Covered If employed for 2 continuous years

Quote

Full Policy Wording

TRIP CANCELLATION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen events listed below.

h) You are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 2 consecutive years.

23

Preferred Plus
Global Alert

Employment Layoff Benefits
Covered If employed for 2 continuous years

Quote

Full Policy Wording

TRIP CANCELLATION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen events listed below.

h) You are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 2 consecutive years.

HCC Medical Insurance Services
HCC Medical Insurance Services

24

Atlas International excl US
HCC Medical Insurance Services

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

HTH Travel Insurance
HTH Travel Insurance

25

TravelGap Voyager excl US
HTH Travel Insurance

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

26

TripProtector Preferred
HTH Travel Insurance

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

27

TravelGap Multi-Trip Silver excl US
HTH Travel Insurance

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

28

TravelGap Multi-Trip Gold excl US
HTH Travel Insurance

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

29

TravelGap Excursion excl US
HTH Travel Insurance

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

30

TripProtector Economy
HTH Travel Insurance

Employment Layoff Benefits
Covered If employed for 5 continuous years

Quote

Full Policy Wording

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

After five (5) years of continuous employment at the same company, You are terminated or laid-off, from full-time employment by that company within 30 days of the date of Your Trip.

31

TripProtector Classic
HTH Travel Insurance

Employment Layoff Benefits
Covered If employed for 5 continuous years

Quote

Full Policy Wording

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

After five (5) years of continuous employment at the same company, You are terminated or laid-off, from full-time employment by that company within 30 days of the date of Your Trip.

InsureandGo USA
InsureandGo USA

32

Silver
InsureandGo USA

Employment Layoff Benefits
Covered If employed for 3 continuous years

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:

(g) You are terminated, or laid off from employment subject to three (3) years of continuous employment at the place of employment where terminated.

33

Gold
InsureandGo USA

Employment Layoff Benefits
Covered If employed for 3 continuous years

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:

(g) You are terminated, or laid off from employment subject to three (3) years of continuous employment at the place of employment where terminated.

34

Platinum
InsureandGo USA

Employment Layoff Benefits
Covered If employed for 3 continuous years

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:

(g) You are terminated, or laid off from employment subject to three (3) years of continuous employment at the place of employment where terminated.

35

Global Silver excl US
InsureandGo USA

Employment Layoff Benefits
Covered If employed for 3 continuous years

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:

(g) You are terminated, or laid off from employment subject to three (3) years of continuous employment at the place of employment where terminated.

36

Global Gold excl US
InsureandGo USA

Employment Layoff Benefits
Covered If employed for 3 continuous years

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:

(g) You are terminated, or laid off from employment subject to three (3) years of continuous employment at the place of employment where terminated.

37

Global Platinum excl US
InsureandGo USA

Employment Layoff Benefits
Covered If employed for 3 continuous years

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:

(g) You are terminated, or laid off from employment subject to three (3) years of continuous employment at the place of employment where terminated.

iTravelInsured
iTravelInsured

38

Travel Lite
iTravelInsured

Employment Layoff Benefits
Covered If employed for 1 continuous year

Quote

Full Policy Wording

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

l. involuntary employer termination or layoff of You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year.

39

Travel SE
iTravelInsured

Employment Layoff Benefits
Covered If employed for 1 continuous year

Quote

Full Policy Wording

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

l. involuntary employer termination or layoff of You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year.

40

Travel SE
iTravelInsured

Employment Layoff Benefits
Covered If employed for 1 continuous year

Quote

Full Policy Wording

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

l. involuntary employer termination or layoff of You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year.

41

Travel LX
iTravelInsured

Employment Layoff Benefits
Covered If employed for 1 continuous year

Quote

Full Policy Wording

TRIP CANCELLATION

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

l. involuntary employer termination or layoff of You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year.

42

Travel LX
iTravelInsured

Employment Layoff Benefits
Covered If employed for 1 continuous year

Quote

Full Policy Wording

TRIP CANCELLATION

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

l. involuntary employer termination or layoff of You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year.

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

43

Bronze
John Hancock Insurance Agency, Inc.

Employment Layoff Benefits
Covered If employed for 3 continuous years

Quote

Full Policy Wording

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen events listed below.

(h) You or Your Traveling Companion are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 3 consecutive years.

44

Silver
John Hancock Insurance Agency, Inc.

Employment Layoff Benefits
Covered If employed for 3 continuous years

Quote

Full Policy Wording

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen events listed below.

(h) You or Your Traveling Companion are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 3 consecutive years.

45

Gold
John Hancock Insurance Agency, Inc.

Employment Layoff Benefits
Covered If employed for 3 continuous years

Quote

Full Policy Wording

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen events listed below.

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

(h) You or Your Traveling Companion are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 3 consecutive years.

MedjetAssist
MedjetAssist

46

Annual Membership
MedjetAssist

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

47

MedjetAssist Extended Stay
MedjetAssist

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

48

MedjetAssist Short Term Plan
MedjetAssist

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

MH Ross Travel Insurance Services
MH Ross Travel Insurance Services

49

Asset Plus
MH Ross Travel Insurance Services

Employment Layoff Benefits
Covered If employed for 1 continuous year

Quote

Full Policy Wording

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

m. Your or Your Traveling Companion’s involuntary employment termination or layoff. Employment must have been with the same employer for at least 1 continuous year;

50

Bridge
MH Ross Travel Insurance Services

Employment Layoff Benefits
Covered If employed for 1 continuous year

Quote

Full Policy Wording

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

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

m. Your or Your Traveling Companion’s involuntary employment termination or layoff. Employment must have been with the same employer for at least 1 continuous year;

51

Complete
MH Ross Travel Insurance Services

Employment Layoff Benefits
Covered If employed for 1 continuous year

Quote

Full Policy Wording

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

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

m. Your or Your Traveling Companion’s involuntary employment termination or layoff. Employment must have been with the same employer for at least 1 continuous year;

52

Asset
MH Ross Travel Insurance Services

Employment Layoff Benefits
Covered If employed for 1 continuous year

Quote

Full Policy Wording

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

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

m. Your or Your Traveling Companion’s involuntary employment termination or layoff. Employment must have been with the same employer for at least 1 continuous year;

RoamRight
RoamRight

53

Essential
RoamRight

Employment Layoff Benefits
Covered If employed for 1 continuous year

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:

j) You or Your Traveling Companion are terminated, or laid off from employment subject to one year of continuous employment at the place of employment where terminated.

54

Essential
RoamRight

Employment Layoff Benefits
Covered If employed for 1 continuous year

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.

h. Your or Your Traveling Companion’s involuntary employment termination or layoff. Employment must have been with the same employer for at least 1 continuous year;

55

Preferred
RoamRight

Employment Layoff Benefits
Covered If employed for 1 continuous year

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:

j) You or Your Traveling Companion are terminated, or laid off from employment subject to one year of continuous employment at the place of employment where terminated.

56

Preferred
RoamRight

Employment Layoff Benefits
Covered If employed for 1 continuous year

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.

h. Your or Your Traveling Companion’s involuntary employment termination or layoff. Employment must have been with the same employer for at least 1 continuous year;

57

Elite
RoamRight

Employment Layoff Benefits
Covered If employed for 1 continuous year

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:

j) You or Your Traveling Companion are terminated, or laid off from employment subject to one year of continuous employment at the place of employment where terminated.

58

Elite
RoamRight

Employment Layoff Benefits
Covered If employed for 1 continuous year

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.

h. Your or Your Traveling Companion’s involuntary employment termination or layoff. Employment must have been with the same employer for at least 1 continuous year;

59

Active
RoamRight

Employment Layoff Benefits
Covered If employed for 1 continuous year

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:

j) You or Your Traveling Companion are terminated, or laid off from employment subject to one year of continuous employment at the place of employment where terminated.

60

Active
RoamRight

Employment Layoff Benefits
Covered If employed for 1 continuous year

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.

h. Your or Your Traveling Companion’s involuntary employment termination or layoff. Employment must have been with the same employer for at least 1 continuous year;

61

Adventure
RoamRight

Employment Layoff Benefits
Covered If employed for 1 continuous year

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:

j) You or Your Traveling Companion are terminated, or laid off from employment subject to one year of continuous employment at the place of employment where terminated.

62

Adventure
RoamRight

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

63

Multi-Trip
RoamRight

Employment Layoff Benefits
Covered If employed for 1 continuous year

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:

g) You or Your Traveling Companion are terminated, or laid off from employment subject to one year of continuous employment at the place of employment where terminated.

64

Multi-Trip Medical excl US
RoamRight

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

65

Medical excl US
RoamRight

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

66

Evacuation
RoamRight

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

Seven Corners Inc
Seven Corners Inc

67

RoundTrip
Seven Corners Inc

Employment Layoff Benefits
Covered If employed for 5 continuous years

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:

k) You are terminated, or laid off from employment subject to five (5) years of continuous employment at the place of employment where terminated.

68

RoundTrip Choice
Seven Corners Inc

Employment Layoff Benefits
Covered If employed for 5 continuous years

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:

(k) You are terminated, or laid off from employment subject to five (5) years of continuous employment at the place of employment where terminated.

69

Liaison Continent excl US
Seven Corners Inc

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

70

Liaison Majestic excl US
Seven Corners Inc

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

71

Liaison International excl US
Seven Corners Inc

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

72

RoundTrip Economy
Seven Corners Inc

Employment Layoff Benefits
Covered If employed for 1 continuous year

Quote

Full Policy Wording

TRIP CANCELLATION

TRIP INTERRUPTION

g) involuntary employer termination or affecting You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year;

73

RoundTrip Elite
Seven Corners Inc

Employment Layoff Benefits
Covered If employed for 1 continuous year

Quote

Full Policy Wording

TRIP CANCELLATION

TRIP INTERRUPTION

g) involuntary employer termination or layoff affecting You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year;

74

Wander Frequent Traveler excl US
Seven Corners Inc

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

Tin Leg
Tin Leg

75

Economy
Tin Leg

Employment Layoff Benefits
Covered If employed for 2 continuous years

Quote

Full Policy Wording

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

f) You or Your Traveling Companion are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 2 consecutive years.

76

Standard
Tin Leg

Employment Layoff Benefits
Covered If employed for 2 continuous years

Quote

Full Policy Wording

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

f) You or Your Traveling Companion are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 2 consecutive years.

77

Luxury
Tin Leg

Employment Layoff Benefits
Covered If employed for 2 continuous years

Quote

Full Policy Wording

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

f) You or Your Traveling Companion are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 2 consecutive years.

Travelex Insurance Services
Travelex Insurance Services

78

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

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

79

Flight Insure Package Plan Multi-trip
Travelex Insurance Services

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

80

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

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

81

Flight Insure Plus - Package Plan
Travelex Insurance Services

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

82

Travel Basic
Travelex Insurance Services

Employment Layoff Benefits
Covered If employed for 1 continuous year

Quote

Full Policy Wording

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:

12. your involuntary termination of employment or layoff and was not under your control. You must have been continuously employed with the same employer for 1 year prior to the termination or layoff. This provision is not applicable to temporary employment, independent contractors or self-employed persons;

83

Travel Max
Travelex Insurance Services

Employment Layoff Benefits
Covered If employed for 1 continuous year

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:

16. your involuntary termination of employment or layoff and was not under your control. You must have been continuously employed with the same employer for 1 year prior to the termination or layoff. This provision is not applicable to temporary employment, independent contractors or self-employed persons;

84

Travel Select
Travelex Insurance Services

Employment Layoff Benefits
Covered If employed for 1 continuous year

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:

16. your involuntary termination of employment or layoff and was not under your control. You must have been continuously employed with the same employer for 1 year prior to the termination or layoff. This provision is not applicable to temporary employment, independent contractors or self-employed persons;

TravelSafe
TravelSafe

85

Basic
TravelSafe

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

86

Basic
TravelSafe

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

87

Classic
TravelSafe

Employment Layoff Benefits
Covered If employed for 1 continuous year

Quote

Full Policy Wording

TRIP CANCELLATION

Benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, to reimburse You for the amount of the unused non- refundable Prepaid Payments or Deposits You paid for Travel Arrangements, including up to $150 for the cost of airline-imposed fees to re-bank frequent flyer miles for air flights to join Your Trip, when You are prevented from taking Your Trip due to:

l. involuntary employer termination or layoff affecting You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year;

88

Classic
TravelSafe

Employment Layoff Benefits
Covered If employed for 1 continuous year

Quote

Full Policy Wording

TRIP CANCELLATION

Benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, to reimburse You for the amount of the unused non- refundable Prepaid Payments or Deposits You paid for Travel Arrangements, including up to $150 for the cost of airline-imposed fees to re-bank frequent flyer miles for air flights to join Your Trip, when You are prevented from taking Your Trip due to:

l. involuntary employer termination or layoff affecting You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year;

89

Classic Plus
TravelSafe

Employment Layoff Benefits
Covered If employed for 1 continuous year

Quote

Full Policy Wording

Benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, to reimburse You for the amount of the unused non- refundable Prepaid Payments or Deposits You paid for Travel Arrangements, including up to $150 for the cost of airline-imposed fees to re-bank frequent flyer miles for air flights to join Your Trip, when You are prevented from taking Your Trip due to:

l. involuntary employer termination or layoff affecting You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year;

90

Classic Plus
TravelSafe

Employment Layoff Benefits
Covered If employed for 1 continuous year

Quote

Full Policy Wording

Benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, to reimburse You for the amount of the unused non- refundable Prepaid Payments or Deposits You paid for Travel Arrangements, including up to $150 for the cost of airline-imposed fees to re-bank frequent flyer miles for air flights to join Your Trip, when You are prevented from taking Your Trip due to:

l. involuntary employer termination or layoff affecting You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year;

Trawick International
Trawick International

91

Safe Travels USA
Trawick International

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

92

Safe Travels International excl US
Trawick International

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

93

Safe Travels USA Trip Protection
Trawick International

Employment Layoff Benefits
Covered If employed for 1 continuous year

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:

11. the Insured or 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 one year. Termination must occur during the Pre Departure Period of Insurance. This provision is not applicable to temporary employment, independent contractors or self-employed persons.

94

Safe Travels International Cost Saver excl US
Trawick International

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

95

Safe Travels USA Cost Saver
Trawick International

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

USA-ASSIST Worldwide Protection
USA-ASSIST Worldwide Protection

96

Global Travel Medical Diamond
USA-ASSIST Worldwide Protection

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

97

Global Travel Medical Executive
USA-ASSIST Worldwide Protection

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

98

Global Travel Medical Gold
USA-ASSIST Worldwide Protection

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

99

Global Travel Medical Platinum
USA-ASSIST Worldwide Protection

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

100

Global Travel Medical Standard
USA-ASSIST Worldwide Protection

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

101

Global Travel Medical Titanium
USA-ASSIST Worldwide Protection

Employment Layoff Benefits
No coverage

Quote

Full Policy Wording

There is no Employment Layoff coverage in this plan.

102

GlobalTrip Classic
USA-ASSIST Worldwide Protection

Employment Layoff Benefits
Covered If employed for 3 continuous years

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:

4. Employer termination or layoff affecting You or a person sharing the same room. Employment must have been with the same employer for at least three continuous years.

*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

GlobalTrip Saver
USA-ASSIST Worldwide Protection

Employment Layoff Benefits
Covered If employed for 3 continuous years

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:

4. Employer termination or layoff affecting You or a person sharing the same room. Employment must have been with the same employer for at least three continuous years.

*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

GlobalTrip Plus
USA-ASSIST Worldwide Protection

Employment Layoff Benefits
Covered If employed for 3 continuous years

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:

4. Employer termination or layoff affecting You or a person sharing the same room. Employment must have been with the same employer for at least three continuous years.

*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

GlobalTrip High Medical
USA-ASSIST Worldwide Protection

Employment Layoff Benefits
Covered If employed for 3 continuous years

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:

4. Employer termination or layoff affecting You or a person sharing the same room. Employment must have been with the same employer for at least three continuous years.

*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.