Extension of Coverage is the time period a traveler’s policy can provide benefits beyond their scheduled return date if they are unable to return home for a reason out of their control. In the event of a medical-related delay, most providers require a documented diagnosis from a licensed medical professional.
Most travel insurance policies can be extended to cover travelers who are stuck at their destination. Typically, this includes coverage for travelers who must extend their trip for reasons out of their control, such as a medical emergency or being required to quarantine. For example, if a traveler contracts Covid-19 and must quarantine at their destination, policies with the Extension of Coverage benefit can provide coverage beyond the return date.
Depending on the policy, coverage can typically be extended for 5-10 days, or until the traveler is fit to return home, whichever comes first. Select policies have more generous coverage, and can be extended beyond 10 days until the traveler is cleared to return home.
Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Extension Of Coverage coverage.
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Policy Name and Summary of Coverage | Full Policy Wording | |
1 |
Coverage can extend up to 7 days |
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D. EXTENSION OF COVERAGE: All coverage under this Policy will be extended if: This extension of coverage will terminate the earlier of: In no event will coverage be extended due to voluntary reasons without prior consent from the Administrator. Termination will not negate a claim already pending. |
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2 |
Coverage can extend up to 7 days
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D. EXTENSION OF COVERAGE: All coverage under this Policy will be extended if: 1. the Insured’s entire Covered Trip is covered by this Policy; and 2. the Insured’s return is delayed by unavoidable circumstances beyond his/her control. This extension of coverage will terminate the earlier of: a. the date the Insured reaches his/her originally scheduled return Destination; b. seven days after the Scheduled Date of Return.In no event will coverage be extended due to voluntary reasons without prior consent from the Administrator. Termination will not negate a claim already pending. |
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3 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE: All coverage under the Policy except Trip Cancellation will be extended if: a) Your entire Covered Trip is covered by the Policy; and b) Your return is delayed by an Unforeseen Event specified under Trip Cancellation, Trip Interruption or Trip Delay. If coverage is extended for the above referenced reasons, coverage will end on the earliest of: a) the date You reach Your return destination; or b) 7 days after the date the Covered Trip was scheduled to be completed. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
4 |
Coverage can extend up to 7 days |
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All coverages under the policy will be extended if Your entire Trip is covered by the policy and Your return is delayed due to unavoidable circumstances beyond Your control. If coverage is extended for the above reasons, coverage will end on the earlier of the date You reach Your originally scheduled return destination or seven (7) days after the Scheduled Return Date. |
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5 |
Coverage can extend up to 7 days |
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All coverages under the policy will be extended if Your entire Trip is covered by the policy and Your return is delayed due to unavoidable circumstances beyond Your control. If coverage is extended for the above reasons, coverage will end on the earlier of the date You reach Your originally scheduled return destination or seven (7) days after the Scheduled Return Date. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
6 |
Coverage can extend up to 7 days
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Extending Coverage All coverage (except Trip Cancellation) will be extended, if: a) the Insured’s entire Trip is covered by the plan; and b) the Insured’s return is delayed by one of the Unforeseen events specified under Trip Cancellation and Interruption or Trip Delay. Request for extension of coverage will not be permitted if there is any known claimable event on the policy and the Insured does not identify this at the time of extension. This extension of coverage will end on: a) the date the Insured reaches his/her Return Destination; or b) 7 days after the date the Trip was scheduled to be completed. |
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7 |
Coverage can extend up to 7 days
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Medical and Evacuation Extension of Coverage: If the Insured or Traveling Companion is Hospitalized beyond the date coverage ends, due to an Injury or Sickness that first occurred during the course of the Trip, coverage under the Emergency Medical Expense and Emergency Evacuation & Repatriation of Remains benefits will be extended until the Insured or Traveling Companion is released from the Hospital or until the maximum benefit as listed in the Schedule is paid. Baggage Extension of Coverage: If an Insured’s Baggage, passports, or visas are in the charge of a Common Carrier and delivery is delayed, coverage for Baggage and Personal Effects will be extended to the earliest of: a) the time the Common Carrier delivers the property to the Insured; or Extension of all other coverages will end on the earliest of: a) the date the Insured reaches their Return Destination; or |
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8 |
Coverage can extend up to 7 days
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Extending Coverage All coverage (except Trip Cancellation) will be extended, if: a) the Insured’s entire Trip is covered by the plan; and b) the Insured’s return is delayed by one of the Unforeseen events specified under Trip Cancellation and Interruption or Trip Delay. Request for extension of coverage will not be permitted if there is any known claimable event on the policy and the Insured does not identify this at the time of extension. This extension of coverage will end on: a) the date the Insured reaches his/her Return Destination; or b) 7 days after the date the Trip was scheduled to be completed. |
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9 |
Coverage can extend up to 7 days
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The policy will be extended, if: a) the Insured’s entire Trip is covered by the policy; and b) the Insured’s return is delayed by one of the Unforeseen Covered Events specified under Trip Cancellation and Interruption or Trip Delay; or c) The Insured requests an extension of coverage prior to the original end date through the Travel Insurance Administrator and pays all required additional premium. Request for extension of coverage will not be permitted if there is any known claimable event on the policy whether the Insured identifies this at the time of extension or not. Medical and Evacuation Extension of Coverage: If the Insured or Traveling Companion is Hospitalized beyond the date coverage ends, due to an Injury or Sickness that first occurred during the course of the Trip, coverage under the Emergency Medical Expense and Emergency Evacuation & Repatriation of Remains benefits will be extended until the Insured or Traveling Companion is released from the Hospital or until the maximum benefit as listed in the Schedule is paid. Baggage Extension of Coverage: If an Insured’s Baggage, passports, or visas are in the charge of a Common Carrier and delivery is delayed, coverage for Baggage and Personal Effects will be extended to the earliest of: (a) the time the Common Carrier delivers the property to the Insured; or Extension of all other coverages will end on the earliest of: (a) the date the Insured reaches their Return Destination; or |
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10 |
Coverage can extend up to 7 days
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Extending Coverage All coverage (except Trip Cancellation and Cancel for Any Reason) will be extended, if: a) the Insured’s entire Trip is covered by the plan; and b) the Insured’s return is delayed by one of the Unforeseen events specified under Trip Cancellation and Interruption or Trip Delay. Request for extension of coverage will not be permitted if there is any known claimable event on the policy and the Insured does not identify this at the time of extension. This extension of coverage will end on: a) the date the Insured reaches his/her Return Destination; or b) 7 days after the date the Trip was scheduled to be completed. |
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11 |
Coverage can extend up to 7 days
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Medical and Evacuation Extension of Coverage: If the Insured or Traveling Companion is Hospitalized beyond the date coverage ends, due to an Injury or Sickness that first occurred during the course of the Trip, coverage under the Emergency Medical Expense and Emergency Evacuation & Repatriation of Remains benefits will be extended until the Insured or Traveling Companion is released from the Hospital or until the maximum benefit as listed in the Schedule is paid. Baggage Extension of Coverage: If an Insured’s Baggage, passports, or visas are in the charge of a Common Carrier and delivery is delayed, coverage for Baggage and Personal Effects will be extended to the earliest of: a) the time the Common Carrier delivers the property to the Insured; or Extension of all other coverages will end on the earliest of: a) the date the Insured reaches their Return Destination; or |
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Policy Name and Summary of Coverage | Full Policy Wording | |
12 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE: All coverage under the Policy except Trip Cancellation will be extended if: a) Your entire Covered Trip is covered by the Policy; and b) Your return is delayed by an Unforeseen Event specified under Trip Cancellation, Trip Interruption or Trip Delay. If coverage is extended for the above referenced reasons, coverage will end on the earliest of: a) the date You reach Your return destination; or b) 7 days after the date the Covered Trip was scheduled to be completed. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
13 |
Coverage can extend up to 10 days
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EXTENSION OF COVERAGE Automatic Extension of Coverage All coverages except Trip Cancellation will be extended if Your entire Trip is covered by this policy and Your return is delayed due to unavoidable circumstances beyond Your control. This extension of coverage will end on the earlier of the date You reach Your originally scheduled Return Destination or ten (10) days after the originally Scheduled Return Date. Benefits will not exceed the Maximum Benefit Amount shown in the Schedule of Benefits. |
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14 |
Coverage can extend up to 10 days
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EXTENSION OF COVERAGE Automatic Extension of Coverage All coverages except Trip Cancellation will be extended if Your entire Trip is covered by this policy and Your return is delayed due to unavoidable circumstances beyond Your control. This extension of coverage will end on the earlier of the date You reach Your originally scheduled Return Destination or ten (10) days after the originally Scheduled Return Date. Benefits will not exceed the Maximum Benefit Amount shown in the Schedule of Benefits. |
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15 |
iTravelInsured Travel LX Basic Coverage can extend up to 10 days
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EXTENSION OF COVERAGE Automatic Extension of Coverage All coverages except Trip Cancellation will be extended if Your entire Trip is covered by this policy and Your return is delayed due to unavoidable circumstances beyond Your control. This extension of coverage will end on the earlier of the date You reach Your originally scheduled Return Destination or ten (10) days after the originally Scheduled Return Date. Benefits will not exceed the Maximum Benefit Amount shown in the Schedule of Benefits. |
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16 |
Coverage can extend up to 10 days
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Extension of Coverage: Accident and Medical Expense: If You are Hospitalized beyond Your Scheduled Return Date, this coverage will be extended to the earlier of: 1. When All Benefits payable have been depleted/exhausted; 2. You are released from the medical facility and have been ordered/approved by a Physician to be transported or return Home; or 3. Thirty (30) days. All other coverages under the Policy will be extended if Your entire Trip is covered by the Policy and Your return is delayed due to unavoidable circumstances beyond Your control. If coverage is extended for the above reasons, coverage will finally end on the earlier of the date You reach Your originally scheduled return destination, or ten (10) days after the Scheduled Return Date. |
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17 |
iTravelInsured Travel Essential Coverage can extend up to 10 days
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Extension of Coverage: All coverages under the Policy will be extended if Your entire Trip is covered by the Policy and Your return is delayed due to unavoidable circumstances beyond Your control. If coverage is extended for the above reasons, coverage will finally end on the earlier of the date You reach Your originally scheduled return destination, or ten (10) days after the Scheduled Return Date. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
18 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE: All coverage under the Policy except Trip Cancellation will be extended if: a) Your entire Covered Trip is covered by the Policy; and b) Your return is delayed by an Unforeseen Event specified under Trip Cancellation, Trip Interruption or Trip Delay. If coverage is extended for the above referenced reasons, coverage will end on the earliest of: a) the date You reach Your return destination; or b) 7 days after the date the Covered Trip was scheduled to be completed. |
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19 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE: All coverage under the Policy except Trip Cancellation will be extended if: a) Your entire Covered Trip is covered by the Policy; and b) Your return is delayed by an Unforeseen Event specified under Trip Cancellation, Trip Interruption or Trip Delay. If coverage is extended for the above referenced reasons, coverage will end on the earliest of: a) the date You reach Your return destination; or b) 7 days after the date the Covered Trip was scheduled to be completed. |
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20 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE: All coverage under the Policy except Trip Cancellation will be extended if: a) Your entire Covered Trip is covered by the Policy; and b) Your return is delayed by an Unforeseen Event specified under Trip Cancellation, Trip Interruption or Trip Delay. If coverage is extended for the above referenced reasons, coverage will end on the earliest of: a) the date You reach Your return destination; or b) 7 days after the date the Covered Trip was scheduled to be completed. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
21 |
Coverage can extend up to 10 days
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Automatic Extension of Coverage All coverages will be extended if Your entire Trip is covered by this policy and Your return is delayed due to unavoidable circumstances beyond Your control. This extension of coverage will end on the earlier of the date You reach Your originally scheduled Return Destination or 10 days after the originally Scheduled Return Date. |
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22 |
Coverage can extend up to 5 days
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Extension of Coverage: All coverages under this Policy will be extended if Your entire Trip is covered by this Policy and Your return is delayed due to unavoidable circumstances beyond Your control. This extension of coverage will end on the earlier of the date You reach Your originally scheduled return destination or 5 days after the Scheduled Return Date. This Policy will not be cancelled by the Company. |
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23 |
Coverage can extend up to 5 days
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Extension of Coverage: All coverages under this Policy will be extended if Your entire Trip is covered by this Policy and Your return is delayed due to unavoidable circumstances beyond Your control. This extension of coverage will end on the earlier of the date You reach Your originally scheduled return destination or 5 days after the Scheduled Return Date. This Policy will not be cancelled by the Company. |
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24 |
Coverage can extend up to 10 days
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Automatic Extension of Coverage All coverages will be extended if Your entire Trip is covered by this policy and Your return is delayed due to unavoidable circumstances beyond Your control. This extension of coverage will end on the earlier of the date You reach Your originally scheduled Return Destination or 10 days after the originally Scheduled Return Date. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
25 |
Coverage can extend up to 7 days
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Extending Coverage All coverage (except Trip Cancellation) will be extended, if: a) the Insured’s entire Trip is covered by the plan; and b) the Insured’s return is delayed by one of the Unforeseen events specified under Trip Cancellation and Interruption or Trip Delay. Request for extension of coverage will not be permitted if there is any known claimable event on the policy and the Insured does not identify this at the time of extension. This extension of coverage will end on: a) the date the Insured reaches his/her Return Destination; or b) 7 days after the date the Trip was scheduled to be completed. |
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26 |
Coverage can extend up to 7 days
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The policy will be extended, if: a) the Insured’s entire Trip is covered by the policy; and Request for extension of coverage will not be permitted if there is any known claimable event on the policy whether the Insured identifies this at the time of extension or not. Medical and Evacuation Extension of Coverage: If the Insured or Traveling Companion is Hospitalized beyond the date coverage ends, due to an Injury or Sickness that first occurred during the course of the Trip, coverage under the Emergency Medical Expense and Emergency Evacuation & Repatriation of Remains benefits will be extended until the Insured or Traveling Companion is released from the Hospital or until the maximum benefit as listed in the Schedule is paid. Baggage Extension of Coverage: If an Insured’s Baggage, passports, or visas are in the charge of a Common Carrier and delivery is delayed, coverage for Baggage and Personal Effects will be extended to the earliest of: a) the time the Common Carrier delivers the property to the Insured; or Extension of all other coverages will end on the earliest of: a) the date the Insured reaches their Return Destination; or |
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27 |
Coverage can extend up to 7 days
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Extending Coverage All coverage (except Trip Cancellation) will be extended, if: a) the Insured’s entire Trip is covered by the plan; and b) the Insured’s return is delayed by one of the Unforeseen events specified under Trip Cancellation and Interruption or Trip Delay. Request for extension of coverage will not be permitted if there is any known claimable event on the policy and the Insured does not identify this at the time of extension. This extension of coverage will end on: a) the date the Insured reaches his/her Return Destination; or b) 7 days after the date the Trip was scheduled to be completed. |
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28 |
Coverage can extend up to 7 days
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The policy will be extended, if: a) the Insured’s entire Trip is covered by the policy; and b) the Insured’s return is delayed by one of the Unforeseen Covered Events specified under Trip Cancellation and Interruption or Trip Delay; or c) The Insured requests an extension of coverage prior to the original end date through the Travel Insurance Administrator and pays all required additional premium. Request for extension of coverage will not be permitted if there is any known claimable event on the policy whether the Insured identifies this at the time of extension or not. Medical and Evacuation Extension of Coverage: If the Insured or Traveling Companion is Hospitalized beyond the date coverage ends, due to an Injury or Sickness that first occurred during the course of the Trip, coverage under the Emergency Medical Expense and Emergency Evacuation & Repatriation of Remains benefits will be extended until the Insured or Traveling Companion is released from the Hospital or until the maximum benefit as listed in the Schedule is paid. Baggage Extension of Coverage: If an Insured’s Baggage, passports, or visas are in the charge of a Common Carrier and delivery is delayed, coverage for Baggage and Personal Effects will be extended to the earliest of: a) the time the Common Carrier delivers the property to the Insured; or Extension of all other coverages will end on the earliest of: a) the date the Insured reaches their Return Destination; or |
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29 |
Coverage can extend up to 7 days
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Extending Coverage All coverage (except Trip Cancellation and Cancel for Any Reason) will be extended, if: a) the Insured’s entire Trip is covered by the plan; and b) the Insured’s return is delayed by one of the Unforeseen events specified under Trip Cancellation and Interruption or Trip Delay. Request for extension of coverage will not be permitted if there is any known claimable event on the policy and the Insured does not identify this at the time of extension. This extension of coverage will end on: a) the date the Insured reaches his/her Return Destination; or b) 7 days after the date the Trip was scheduled to be completed. |
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30 |
Coverage can extend up to 7 days
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The policy will be extended, if: a) the Insured’s entire Trip is covered by the policy; and b) the Insured’s return is delayed by one of the Unforeseen Covered Events specified under Trip Cancellation and Interruption or Trip Delay; or c) The Insured requests an extension of coverage prior to the original end date through the Travel Insurance Administrator and pays all required additional premium. Request for extension of coverage will not be permitted if there is any known claimable event on the policy whether the Insured identifies this at the time of extension or not. Medical and Evacuation Extension of Coverage: If the Insured or Traveling Companion is Hospitalized beyond the date coverage ends, due to an Injury or Sickness that first occurred during the course of the Trip, coverage under the Emergency Medical Expense and Emergency Evacuation & Repatriation of Remains benefits will be extended until the Insured or Traveling Companion is released from the Hospital or until the maximum benefit as listed in the Schedule is paid. Baggage Extension of Coverage: If an Insured’s Baggage, passports, or visas are in the charge of a Common Carrier and delivery is delayed, coverage for Baggage and Personal Effects will be extended to the earliest of: a) the time the Common Carrier delivers the property to the Insured; or b) the date the property is documented by the Common Carrier as lost, stolen or damaged. Extension of all other coverages will end on the earliest of: a) the date the Insured reaches their Return Destination; or b) 7 days after the date the Trip was scheduled to be completed. |
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31 |
Coverage can extend up to 7 days
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Extending Coverage All coverage (except Trip Cancellation and Cancel for Any Reason) will be extended, if: a) the Insured’s entire Trip is covered by the plan; and b) the Insured’s return is delayed by one of the Unforeseen events specified under Trip Cancellation and Interruption or Trip Delay. Request for extension of coverage will not be permitted if there is any known claimable event on the policy and the Insured does not identify this at the time of extension. This extension of coverage will end on: a) the date the Insured reaches his/her Return Destination; or b) 7 days after the date the Trip was scheduled to be completed. |
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32 |
Coverage can extend up to 7 days
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The policy will be extended, if: a) the Insured’s entire Trip is covered by the policy; and Request for extension of coverage will not be permitted if there is any known claimable event on the policy whether the Insured identifies this at the time of extension or not. Medical and Evacuation Extension of Coverage: If the Insured or Traveling Companion is Hospitalized beyond the date coverage ends, due to an Injury or Sickness that first occurred during the course of the Trip, coverage under the Emergency Medical Expense and Emergency Evacuation & Repatriation of Remains benefits will be extended until the Insured or Traveling Companion is released from the Hospital or until the maximum benefit as listed in the Schedule is paid. Baggage Extension of Coverage: If an Insured’s Baggage, passports, or visas are in the charge of a Common Carrier and delivery is delayed, coverage for Baggage and Personal Effects will be extended to the earliest of: a) the time the Common Carrier delivers the property to the Insured; or Extension of all other coverages will end on the earliest of: a) the date the Insured reaches their Return Destination; or |
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33 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE: All coverage under the Policy except Trip Cancellation will be extended if: a) Your entire Covered Trip is covered by the Policy; and b) Your return is delayed by an Unforeseen Event specified under Trip Cancellation, Trip Interruption or Trip Delay. If coverage is extended for the above referenced reasons, coverage will end on the earliest of: a) the date You reach Your return destination; or b) 7 days after the date the Covered Trip was scheduled to be completed. |
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34 |
Coverage can extend up to 7 days
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LATE RETURN COVERAGE All coverages except Trip Cancellation will be extended, if: a. Your entire covered trip is covered by the plan; and b. Your return is delayed by inclement weather or any of the unforeseen events listed in Trip Cancellation, Trip Interruption or Trip Delay.This extension of coverage will end on the earlier of: a. The date you reach your return destination; or b. Seven (7) days after the date the covered trip was scheduled to be completed.If, due to restrictions by a common carrier or a physician, you cannot return home before this extension ends, coverage will be extended for an additional thirty (30) days, or until the first time such restrictions are removed (whichever is earlier), and will remain effective while you travel to the return destination. |
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35 |
Coverage can extend up to 7 days
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LATE RETURN COVERAGE All coverages except Trip Cancellation will be extended, if: a. Your entire covered trip is covered by the plan; and b. Your return is delayed by inclement weather or any of the unforeseen events listed in Trip Cancellation, Trip Interruption or Trip Delay.This extension of coverage will end on the earlier of: a. The date you reach your return destination; or b. Seven (7) days after the date the covered trip was scheduled to be completed.If, due to restrictions by a common carrier or a physician, you cannot return home before this extension ends, coverage will be extended for an additional thirty (30) days, or until the first time such restrictions are removed (whichever is earlier), and will remain effective while you travel to the return destination. |
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36 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE: All coverage under the Policy except Trip Cancellation and Trip Cancellation for Any Reason will be extended if: a. Your entire Covered Trip is covered by the Policy; and b. Your return is delayed by an Unforeseen Event specified under Trip Cancellation, Trip Interruption or Trip Delay.If coverage is extended for the above referenced reasons, coverage will end on the earliest of: a. the date You reach Your Return Destination; or b. 7 days after the date the Covered Trip was scheduled to be completed, unless Hospitalized. Emergency Medical Evacuation, if required, would be covered. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
37 |
Coverage can extend up to 7 days
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Extending Coverage All coverage (except Trip Cancellation) will be extended, if: a) the Insured’s entire Trip is covered by the plan; and b) the Insured’s return is delayed by one of the Unforeseen events specified under Trip Cancellation and Interruption or Trip Delay. Request for extension of coverage will not be permitted if there is any known claimable event on the policy and the Insured does not identify this at the time of extension. This extension of coverage will end on: a) the date the Insured reaches his/her Return Destination; or b) 7 days after the date the Trip was scheduled to be completed. |
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38 |
Coverage can extend up to 7 days
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The policy will be extended, if: a) the Insured’s entire Trip is covered by the policy; and b) the Insured’s return is delayed by one of the Unforeseen Covered Events specified under Trip Cancellation and Interruption or Trip Delay; or c) The Insured requests an extension of coverage prior to the original end date through the Travel Insurance Administrator and pays all required additional premium. Request for extension of coverage will not be permitted if there is any known claimable event on the policy whether the Insured identifies this at the time of extension or not. Medical and Evacuation Extension of Coverage: If the Insured or Traveling Companion is Hospitalized beyond the date coverage ends, due to an Injury or Sickness that first occurred during the course of the Trip, coverage under the Emergency Medical Expense and Emergency Evacuation & Repatriation of Remains benefits will be extended until the Insured or Traveling Companion is released from the Hospital or until the maximum benefit as listed in the Schedule is paid. Baggage Extension of Coverage: If an Insured’s Baggage, passports, or visas are in the charge of a Common Carrier and delivery is delayed, coverage for Baggage and Personal Effects will be extended to the earliest of: a) the time the Common Carrier delivers the property to the Insured; or Extension of all other coverages will end on the earliest of: a) the date the Insured reaches their Return Destination; or |
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39 |
Coverage can extend up to 7 days
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Extending Coverage All coverage (except Trip Cancellation and Cancel for Any Reason) will be extended, if: a) the Insured’s entire Trip is covered by the plan; and b) the Insured’s return is delayed by one of the Unforeseen events specified under Trip Cancellation and Interruption or Trip Delay. Request for extension of coverage will not be permitted if there is any known claimable event on the policy and the Insured does not identify this at the time of extension. This extension of coverage will end on: a) the date the Insured reaches his/her Return Destination; or b) 7 days after the date the Trip was scheduled to be completed. |
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40 |
Coverage can extend up to 7 days
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The policy will be extended, if: a) the Insured’s entire Trip is covered by the policy; and b) the Insured’s return is delayed by one of the Unforeseen Covered Events specified under Trip Cancellation and Interruption or Trip Delay; or c) The Insured requests an extension of coverage prior to the original end date through the Travel Insurance Administrator and pays all required additional premium. Request for extension of coverage will not be permitted if there is any known claimable event on the policy whether the Insured identifies this at the time of extension or not. Medical and Evacuation Extension of Coverage: Baggage Extension of Coverage: a) the time the Common Carrier delivers the property to the Insured; or b) the date the property is documented by the Common Carrier as lost, stolen or damaged. Extension of all other coverages will end on the earliest of: a) the date the Insured reaches their Return Destination; or b) 7 days after the date the Trip was scheduled to be completed. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
41 |
Coverage can extend up to 5 days |
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EXTENDED COVERAGE – Coverage will be extended under the following conditions, should they occur during the journey to the return destination or to a different destination: a) When You commence air travel from Your origination point: (i) within two (2) days before the commencement of the Travel Arrangements, coverage shall apply from the time of departure from the origination point; or (ii) greater than two (2) days before the commencement of the Travel Arrangements, the extension of coverage shall be provided only during Your air travel. b) If You return to Your origination point: (i) within two (2) days after the completion of the Travel Arrangements, coverage shall apply until the time of return to the origination point; or (ii) greater than two (2) days after the completion of the Travel Arrangements, the extension of coverage shall be provided only during Your air travel. c) c) If You are a passenger on a scheduled Common Carrier that is unavoidably delayed up to five (5) days in reaching the final destination, coverage will be extended for the period of time needed to arrive at the final destination. |
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42 |
Coverage can extend up to 5 days |
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EXTENDED COVERAGE – Coverage will be extended under the following conditions, should they occur during the journey to the return destination or to a different destination: a) When You commence air travel from Your origination point: (i) within two (2) days before the commencement of the Travel Arrangements, coverage shall apply from the time of departure from the origination point; or (ii) greater than two (2) days before the commencement of the Travel Arrangements, the extension of coverage shall be provided only during Your air travel. b) If You return to Your origination point: (i) within two (2) days after the completion of the Travel Arrangements, coverage shall apply until the time of return to the origination point; or (ii) greater than two (2) days after the completion of the Travel Arrangements, the extension of coverage shall be provided only during Your air travel. c) c) If You are a passenger on a scheduled Common Carrier that is unavoidably delayed up to five (5) days in reaching the final destination, coverage will be extended for the period of time needed to arrive at the final destination. |
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43 |
Coverage can extend up to 5 days
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EXTENDED COVERAGE – Coverage will be extended under the following conditions, should they occur during the journey to the return destination or to a different destination: a) When You commence air travel from Your origination point: (i) within two (2) days before the commencement of the Land/Sea Arrangements, coverage shall apply from the time of departure from the origination point; or (ii) greater than two b) If You return to Your origination point: (i) within two (2) days after the completion of the Land/Sea Arrangements, coverage shall apply until the time of return to the origination point; or (ii) greater than two (2) days after the completion of the Land/Sea Arrangements, the extension of coverage shall be provided only during Your Air travel. c) If You are a passenger on a scheduled Common Carrier that is unavoidably delayed up to five (5) days in reaching the final destination, coverage will be extended for the period of time needed to arrive at the final destination; d) If You are unavoidably delayed up to five (5) days in traveling on the Scheduled Return Date due to a reason covered under this Certificate, coverage will be extended for the period of time needed to arrive at the point of origin or to a different |
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44 |
Coverage can extend up to 5 days
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EXTENDED COVERAGE – Coverage will be extended under the following conditions, should they occur during the journey to the return destination or to a different destination: a) When You commence air travel from Your origination point: (i) within two (2) days before the commencement of the Land/Sea Arrangements, coverage shall apply from the time of departure from the origination point; or (ii) greater than two b) If You return to Your origination point: (i) within two (2) days after the completion of the Land/Sea Arrangements, coverage shall apply until the time of return to the origination point; or (ii) greater than two (2) days after the completion of c) If You are a passenger on a scheduled Common Carrier that is unavoidably delayed up to five (5) days in reaching the final destination, coverage will be extended for the period of time needed to arrive at the final destination; d) If You are unavoidably delayed up to five (5) days in traveling on the Scheduled Return Date due to a reason covered under this Certificate, coverage will be extended for the period of time needed to arrive at the point of origin or to a different |
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45 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE – Coverage will be extended under the following conditions, should they occur during the journey to the return destination or to a different destination: a) When You commence air travel from Your origination point: (i) within two (2) days before the commencement of the Travel Arrangements, coverage shall apply from the time of departure from the origination point; or (ii) greater than two (2) days before the commencement of the Travel Arrangements, the extension of coverage shall be provided only during Your air travel. b) If You return to Your origination point: (i) within two (2) days after the completion of the Travel Arrangements, coverage shall apply until the time of return to the origination point; or (ii) greater than two (2) days after the completion of the Travel Arrangements, the extension of coverage shall be provided only during Your air travel. c) If: a) Your entire Trip is covered by the Policy; and b) Your return is delayed by an event specified under Trip Cancellation, Trip Interruption or Trip Delay. This extension of coverage will end on the earlier of: a) the date You reach Your return destination; or b) seven (7) days after the date the Trip was scheduled to be completed. |
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46 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE – Coverage will be extended under the following conditions, should they occur during the journey to the return destination or to a different destination: a) When You commence air travel from Your origination point: (i) within two (2) days before the commencement of the Travel Arrangements, coverage shall apply from the time of departure from the origination point; or (ii) greater than two (2) days before the commencement of the Travel Arrangements, the extension of coverage shall be provided only during Your air travel. b) If You return to Your origination point: (i) within two (2) days after the completion of the Travel Arrangements, coverage shall apply until the time of return to the origination point; or (ii) greater than two (2) days after the completion of the Travel Arrangements, the extension of coverage shall be provided only during Your air travel. c) If: (a) Your entire Trip is covered by the Policy; and (b) Your return is delayed by an event specified under Trip Cancellation, Trip Interruption or Trip Delay. This extension of coverage will end on the earlier of: (a) the date You reach Your return destination; or (b) seven (7) days after the date the Trip was scheduled to be completed. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
47 |
Coverage can extend up to 30 days
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Extension of Coverage: Emergency Accident and Medical Expense: If You are hospitalized beyond Your Scheduled Return Date, this coverage will be extended to the earlier of: 1. When All Benefits payable have been depleted/exhausted; All other coverages under the Policy will be extended if Your entire Trip is covered by the Policy and Your return is delayed due to unavoidable circumstances beyond Your control. If coverage is extended for the above reasons, coverage will finally end on the earlier of the date You reach Your originally Scheduled Return Destination, or thirty (30) days after the Scheduled Return Date. |
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48 |
Coverage can extend up to 30 days
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Extension of Coverage: Emergency Accident and Medical Expense: If You are hospitalized beyond Your Scheduled Return Date, this coverage will be extended to the earlier of: 1. When All Benefits payable have been depleted/exhausted; All other coverages under the Policy will be extended if Your entire Trip is covered by the Policy and Your return is delayed due to unavoidable circumstances beyond Your control. If coverage is extended for the above reasons, coverage will finally end on the earlier of the date You reach Your originally Scheduled Return Destination, or thirty (30) days after the Scheduled Return Date. |
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49 |
Coverage can extend up to 30 days
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Extension of Coverage: Emergency Accident and Medical Expense: If You are hospitalized beyond Your Scheduled Return Date, this coverage will be extended to the earlier of: 1. When All Benefits payable have been depleted/exhausted; All other coverages under the Policy will be extended if Your entire Trip is covered by the Policy and Your return is delayed due to unavoidable circumstances beyond Your control. If coverage is extended for the above reasons, coverage will finally end on the earlier of the date You reach Your originally Scheduled Return Destination, or thirty (30) days after the Scheduled Return Date. |
Benefits
Additional Information