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: 08/02/2022
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Policy Name and Summary of Coverage
1

Explorer

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

EXTENSION OF COVERAGE

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.
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Berkshire Hathaway Travel Protection Berkshire Hathaway Travel Protection
Policy Name and Summary of Coverage
2

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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3

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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4

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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Cat 70 Cat 70
Policy Name and Summary of Coverage
5

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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GoReady Insurance GoReady Insurance
Policy Name and Summary of Coverage
6

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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IMG IMG
Policy Name and Summary of Coverage
7

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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8

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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9

iTravelInsured Travel LX

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

EXTENSION OF COVERAGE

Automatic Extension of Coverage

All coverages except Trip Cancellation and Cancel For Any Reason 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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10

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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11

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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12

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
13

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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14

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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15

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
16

RoundTrip 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.

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17

RoundTrip 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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18

RoundTrip 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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19

RoundTrip 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.

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Tin Leg Tin Leg
Policy Name and Summary of Coverage
20

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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21

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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22

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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23

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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24

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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25

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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26

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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27

USA Only

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

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
29

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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30

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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Trawick International Trawick International
Policy Name and Summary of Coverage
31

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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32

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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33

Safe Travels Annual Executive

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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34

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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35

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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36

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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37

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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38

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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39

Safe Travels Explorer Plus

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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USI Affinity Travel Insurance Services USI Affinity Travel Insurance Services
Policy Name and Summary of Coverage
40

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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41

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
42

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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43

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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44

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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