What is Extension Of Coverage travel insurance?

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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Extension Of Coverage by Provider

Last Updated: 02/15/2024
Aegis Aegis
Policy Name and Summary of Coverage
1

Go Ready Trip Cancellation

Coverage can extend up to 7 days

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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2

Go Ready Choice

Coverage can extend up to 7 days
Coverage for medical quarantine included

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

Go Ready Pandemic Plus

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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Arch RoamRight Arch RoamRight
Policy Name and Summary of Coverage
4

Pro

Coverage can extend up to 7 days

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

Pro Plus

Coverage can extend up to 7 days

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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Berkshire Hathaway Travel Protection Berkshire Hathaway Travel Protection
Policy Name and Summary of Coverage
6

ExactCare

Coverage can extend up to 7 days
Coverage for medical quarantine included

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

ExactCare

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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8

ExactCare Value

Coverage can extend up to 7 days
Coverage for medical quarantine included

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

ExactCare Value

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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10

LuxuryCare

Coverage can extend up to 7 days
Coverage for medical quarantine included

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

LuxuryCare

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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Cat 70 Cat 70
Policy Name and Summary of Coverage
12

Travel Plan

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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Detour Insurance Detour Insurance
Policy Name and Summary of Coverage
13

@the edge

Coverage can extend up to 5 days
Coverage for medical quarantine included

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) If You are unavoidably delayed up to five (5) days in traveling on the Scheduled Return Date due to a reason covered under this Policy, coverage will be extended for the period of time needed to arrive at the point of origin or to a different final destination.

In no event will coverage be extended for unscheduled extensions to Your Trip for which premium has not been paid in advance.

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14

@the edge plus

Coverage can extend up to 5 days
Coverage for medical quarantine included

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) If You are unavoidably delayed up to five (5) days in traveling on the Scheduled Return Date due to a reason covered under this Policy, coverage will be extended for the period of time needed to arrive at the point of origin or to a different final destination.

In no event will coverage be extended for unscheduled extensions to Your Trip for which premium has not been paid in advance.

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IMG IMG
Policy Name and Summary of Coverage
15

iTravelInsured Travel Lite

Coverage can extend up to 10 days
Coverage for medical quarantine included

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

iTravelInsured Travel SE

Coverage can extend up to 10 days
Coverage for medical quarantine included

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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17

iTravelInsured Travel LX Basic

Coverage can extend up to 10 days
Coverage for medical quarantine included

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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18

iTravelInsured Travel Sport

Coverage can extend up to 10 days
Coverage for medical quarantine included

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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19

iTravelInsured Travel Essential

Coverage can extend up to 10 days
Coverage for medical quarantine included

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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John Hancock Insurance Agency, Inc. John Hancock Insurance Agency, Inc.
Policy Name and Summary of Coverage
20

Bronze

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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21

Silver

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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22

Gold

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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Seven Corners Seven Corners
Policy Name and Summary of Coverage
23

Trip Protection Choice

Coverage can extend up to 10 days
Coverage for medical quarantine included

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.

Medical Evacuation and Repatriation Extension

If You incur a covered Injury or Sickness on Your Trip and a treating Physician certifies that You are not Medically Fit to Travel to Your Return Destination on Your Scheduled Return Date, the Medical Evacuation and Repatriation benefit will be automatically extended until You are Medically Fit to Travel and transported to Your Primary Residence or You reached the Maximum Benefit Amount shown in the Schedule of Benefits.

Accident and Sickness Medical Expense Extension

If You are Hospitalized due to a covered Injury or Sickness on Your Trip and a treating Physician certifies that You are not Medically Fit to Travel to Your Return Destination on Your Scheduled Return Date, this benefit will be extended for an additional 30 days, or until You are released from the Hospital and Medically Fit to Travel, or You reached the Maximum Benefit Amount shown in the Schedule of Benefits, whichever is earlier, provided that Hospitalization goes beyond the Scheduled Return Date

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24

Trip Protection Economy

Coverage can extend up to 5 days
Coverage for medical quarantine included

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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25

Trip Protection Elite

Coverage can extend up to 5 days
Coverage for medical quarantine included

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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26

Trip Protection Basic

Coverage can extend up to 10 days
Coverage for medical quarantine included

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.

Medical Evacuation and Repatriation Extension
If You incur a covered Injury or Sickness on Your Trip and a treating Physician certifies that You are not Medically Fit to Travel to Your Return Destination on Your Scheduled Return Date, the
Medical Evacuation and Repatriation benefit will be automatically extended until You are Medically Fit to Travel and transported to Your Primary Residence or You reached the Maximum Benefit Amount shown in the Schedule of Benefits.

Accident and Sickness Medical Expense Extension If You are Hospitalized due to a covered Injury or Sickness on Your Trip and a treating Physician certifies that You are not Medically Fit to Travel to Your Return Destination on Your Scheduled Return Date, this benefit will be extended for an additional 30 days, or until You are released from the Hospital and Medically Fit to Travel, or You reached the Maximum Benefit Amount shown in the Schedule of Benefits, whichever is earlier, provided that Hospitalization goes beyond the Scheduled Return Date

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Tin Leg Tin Leg
Policy Name and Summary of Coverage
27

Economy

Coverage can extend up to 7 days
Coverage for medical quarantine included

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

Economy

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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29

Standard

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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30

Standard

Coverage can extend up to 7 days
Coverage for medical quarantine included

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

Luxury

Coverage can extend up to 7 days
Coverage for medical quarantine included

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

Luxury

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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33

Adventure

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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34

Adventure

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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35

Gold

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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36

Basic

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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37

Platinum

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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38

Silver

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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Travelex Insurance Services Travelex Insurance Services
Policy Name and Summary of Coverage
39

Travel Basic

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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40

Travel Basic

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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41

Travel Select

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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42

Travel Select

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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Trawick International Trawick International
Policy Name and Summary of Coverage
43

Safe Travels Single Trip

Coverage can extend up to 5 days

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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44

Safe Travels First Class

Coverage can extend up to 5 days

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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45

Safe Travels Annual Deluxe

Coverage can extend up to 5 days
Coverage for medical quarantine included

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
(2) days before the commencement of the Land/Sea 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 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
final destination.

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46

Safe Travels Annual Basic

Coverage can extend up to 5 days
Coverage for medical quarantine included

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
(2) days before the commencement of the Land/Sea 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 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
final destination.

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47

Safe Travels Explorer

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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48

Safe Travels Journey

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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49

Safe Travels Voyager

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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50

Safe Travels Protect

Coverage can extend up to 7 days
Coverage for medical quarantine included

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, unless Hospitalized. Emergency Medical Evacuation, if required, would be covered.

If You are hospitalized beyond Your Scheduled Return Date, this coverage will be extended to the earlier of:
a. When all benefits payable have been depleted/exhausted;
b. You are released from the medical facility and have been ordered/approved by a Physician to be transported or return to Your Primary Residence (coverage will remain in effect until You reach Your Primary Residence);
or;
c. Thirty (30) days

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51

Safe Travels Defend

Coverage can extend up to 7 days
Coverage for medical quarantine included

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, unless Hospitalized. Emergency Medical Evacuation, if required, would be covered.

If You are hospitalized beyond Your Scheduled Return Date, this coverage will be extended to the earlier of:

a. When all benefits payable have been depleted/exhausted;
b. You are released from the medical facility and have been ordered/approved by a Physician to be transported or return to Your Primary Residence (coverage will remain in effect until You reach Your Primary Residence);
or;
c. Thirty (30) days.

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52

Safe Travels Armor

Coverage can extend up to 7 days
Coverage for medical quarantine included

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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USI Affinity Travel Insurance Services USI Affinity Travel Insurance Services
Policy Name and Summary of Coverage
53

Ruby

Coverage can extend up to 7 days
Coverage for medical quarantine included

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.

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54

Diamond

Coverage can extend up to 7 days
Coverage for medical quarantine included

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.

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WorldTrips WorldTrips
Policy Name and Summary of Coverage
55

Atlas Journey Economy

Coverage can extend up to 30 days
Coverage for medical quarantine included

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;
2. You are released from the medical facility and have been ordered/approved by a Physician to be transported or return Home (coverage will remain in effect until You reach Your 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 thirty (30) days after the Scheduled Return Date.

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56

Atlas Journey Preferred

Coverage can extend up to 30 days
Coverage for medical quarantine included

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;
2. You are released from the medical facility and have been ordered/approved by a Physician to be transported or return Home (coverage will remain in effect until You reach Your 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 thirty (30) days after the Scheduled Return Date.

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57

Atlas Journey Premier

Coverage can extend up to 30 days
Coverage for medical quarantine included

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;
2. You are released from the medical facility and have been ordered/approved by a Physician to be transported or return Home (coverage will remain in effect until You reach Your 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 thirty (30) days after the Scheduled Return Date.

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