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

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

View full coverage summary for Hurricane & Weather for the policies below

Air Ambulance Card
Air Ambulance Card

1

Air Ambulance Card - Standard Annual
Air Ambulance Card

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

2

Air Ambulance Card - Extended Stay 6 Months
Air Ambulance Card

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

3

Air Ambulance Card - Extended Stay 12 Months
Air Ambulance Card

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

APRIL Travel Protection
APRIL Travel Protection

4

Economy Plan
APRIL Travel Protection

Hurricane & Weather Benefits
Common carrier delay for 48 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

c) Inclement Weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 48 consecutive hours.

d) Mandatory evacuation ordered by local authorities at Your destination due to hurricane or other Natural Disaster. You must have 50% or more of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable

e) Inclement weather or Natural Disaster resulting in the obstruction of public roadways, or curtailment of public Transportation, which prevents Your ability to arrive at Your Land/Sea Arrangements.

f) Named hurricane causing cancellation of travel to Your destination because it has become uninhabitable for the greater of: (1) 4 days or (2) 50% of Your Covered Trip length. We will only pay benefits for losses occurring within 30 calendar days after the named hurricane makes Your destination accommodations uninhabitable. Your destination accommodations are uninhabitable if: (i) the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail or flood; (iii) immediate safety Hazards have yet to be cleared, such as debris on roofs or downed electrical lines; or (iv) the rental property is without electricity or water. Benefits are not payable if a hurricane is named on or before the Effective Date of Your Trip Cancellation coverage or less than 14 days after the Effective Date of Your Trip Cancellation coverage.

5

VIP Plan
APRIL Travel Protection

Hurricane & Weather Benefits
Common carrier delay for 48 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Hurricane warning conditionally covered

Quote

Full Policy Wording

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

d) Inclement Weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 48 consecutive hours.

e) Mandatory evacuation ordered by local authorities at Your destination due to hurricane or other Natural Disaster. You must have 50% or more of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.

f) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable.

g) Inclement weather or Natural Disaster resulting in the obstruction of public roadways, or curtailment of public Transportation, which prevents Your ability to arrive at Your Land/Sea Arrangements.

h) Hurricane warning causing cancellation of travel. Claims are not payable if a hurricane is foreseeable prior to Your Effective Date. A hurricane is foreseeable on the date it becomes a named storm. We will not pay any benefits 14 calendar days after the incident occurs. In order to cancel Your Covered Trip, You must have 50% or less of Your total Covered Trip length remaining. This benefit only applies if purchased within 7 days of the initial Trip payment.

6

Trip Cancellation Plan
APRIL Travel Protection

Hurricane & Weather Benefits
Common carrier delay for 48 hours Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

For trip cancellation, unforseen events include:

c) Inclement Weather, Natural disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 48 consecutive hours.

d) Natural disaster or documented man-made disaster at the point of departure or your destination which renders your primary residence or the accommodations at your destination uninhabitable

e) Inclement weather or Natural disaster resulting in the obstruction of public roadways, or curtailment of public Transportation, which prevents your ability to arrive at your Land/Sea Arrangements.

7

Multi-Trip Plan Universal
APRIL Travel Protection

Hurricane & Weather Benefits
Common carrier delay for any length of time Mandatory evacuation conditionally covered Must be purchased before storm is named

Quote

Full Policy Wording

TRIP INTERRUPTION

Unforeseen Events Include:

c) Inclement Weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 48 consecutive hours.

d) Mandatory evacuation ordered by local authorities at Your destination due to hurricane or other Natural Disaster. You must have 50% or more of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.

e) Inclement weather or Natural Disaster resulting in the obstruction of public roadways, or curtailment of public Transportation, which prevents Your ability to arrive at Your Land/Sea Arrangements.

8

Multi-Trip Plan Elite
APRIL Travel Protection

Hurricane & Weather Benefits
Common carrier delay for any length of time Mandatory evacuation conditionally covered Accommodation made uninhabitable Hurricane warning conditionally covered

Quote

Full Policy Wording

TRIP INTERRUPTION

Unforeseen Events Include:

d) Inclement Weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 48 consecutive hours.

e) Mandatory evacuation ordered by local authorities at Your destination due to hurricane or other Natural Disaster. You must have 50% or more of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.

f) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable.

g) Inclement weather or Natural Disaster resulting in the obstruction of public roadways, or curtailment of public Transportation, which prevents Your ability to arrive at Your Land/Sea Arrangements.

h) Hurricane warning causing cancellation of travel. Claims are not payable if a hurricane is foreseeable prior to Your Effective Date. A hurricane is foreseeable on the date it becomes a named storm. We will not pay any benefits 14 calendar days after the incident occurs. In order to cancel Your Covered Trip, You must have 50% or less of Your total Covered Trip length remaining. This benefit only applies if purchased within 7 days of the initial Trip payment.

9

Choice
APRIL Travel Protection

Hurricane & Weather Benefits
Common carrier delay for 48 hours Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

c) Inclement weather, Natural Disaster, or Terrorist Attack which results in the complete cessation of travel services at the point of departure or destination for at least 48 consecutive hours.

d) Mandatory evacuation ordered by local authorities at Your final destination due to hurricane or other Natural Disaster. You must have 50% of Your total Covered Trip length or less remaining on the Covered Trip, at the time the mandatory evacuation ends, in order to cancel the Covered Trip. This benefit only applies if purchased within 14 days of the initial Covered Trip payment.

e) Natural Disaster or documented man-made disaster at the site of Your destination which renders Your accommodations at Your destination uninhabitable.

AXA Assistance USA
AXA Assistance USA

10

Silver
AXA Assistance USA

Hurricane & Weather Benefits
Common carrier delay for 24 hours Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

b) Inclement weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 24 consecutive hours.

c) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable.

11

Gold
AXA Assistance USA

Hurricane & Weather Benefits
Common carrier delay for 24 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

c) Inclement weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 24 consecutive hours.

d) Mandatory evacuation ordered by local authorities at Your destination due to hurricane or other Natural Disaster. You must have 50% or less of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.

e) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable.

12

Platinum
AXA Assistance USA

Hurricane & Weather Benefits
Common carrier delay for 12 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

d) Inclement weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 12 consecutive hours.

e) Mandatory evacuation ordered by local authorities at Your destination due to hurricane or other Natural Disaster. You must have 50% or less of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.

f) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable.

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

13

Beacon America incl US
Azimuth Risk Solutions, LLC

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

14

Beacon International excl US
Azimuth Risk Solutions, LLC

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection

15

ExactCare
Berkshire Hathaway Travel Protection

Hurricane & Weather Benefits
Common carrier delay for any length of time Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

TRIP CANCELLATION AND INTERRUPTION

The Company will reimburse the Insured a benefit, up to the Maximum Limit shown in the Schedule or Declarations Page if an Insured cancels his/her Trip or is unable to continue on his/her Trip due to any of the following Unforeseen events:

c) Inclement Weather causing delay or cancellation of travel;

(f) the Insured’s Destination being made Uninhabitable or inaccessible by flood, tornado, earthquake, volcanic eruption, fire, wildfire, or blizzard that is due to natural causes;

(k) a named hurricane causing cancellation or interruption of travel to the Insured’s Destination that is Inaccessible or Uninhabitable. Claims are not payable if a hurricane is foreseeable prior to the Insured’s effective date. A hurricane is foreseeable on the date it becomes a named storm. The Company will only pay the benefits for Losses occurring within 14 days after the named hurricane makes the Insured’s Destination Uninhabitable or Inaccessible;

(l) mechanical/equipment failure of a Common Carrier that occurs on a scheduled Trip and causes complete cessation of the Insured’s travel and results in a Loss of 50% of the Insured’s Trip length;

CSA Travel Protection
CSA Travel Protection

16

Custom
CSA Travel Protection

Hurricane & Weather Benefits
Common carrier delay for any length of time Mandatory evacuation conditionally covered Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

TRIP CANCELLATION BENEFIT

TRIP INTERRUPTION BENEFIT

Covered Events:

2. Common Carrier delays and/or cancellations resulting from adverse weather, mechanical breakdown of the aircraft, ship, boat or motor coach that you were scheduled to travel on, or organized labor strikes that affect public transportation;

7. Your Accommodations at your destination made Uninhabitable due to fire, flood, volcano, earthquake, hurricane or other natural disaster. We will only pay benefits for losses occurring within 30 calendar days after the event renders the destination Uninhabitable. For the purpose of this coverage, Uninhabitable means: (i) the building itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail or flood; or (iii) immediate safety hazards have yet to be cleared, such as debris on roofs or downed electrical lines. In order to cancel your trip, you must have 4 days or 50% of your total Trip length or less remaining at the time the destination is restored for use. Benefits are not payable if the event occurs or if a hurricane is named prior to or on your Trip Cancellation Coverage Effective Date;

9. A mandatory evacuation (or public official evacuation advisement in geographic areas where no mandatory evacuation orders are issued by government authorities) at your destination due to adverse weather or natural disasters. We will only pay benefits for losses occurring within 30 calendar days after the evacuation order is issued. In order to cancel your Trip, you must have 4 days or 50% of your total Trip length or less remaining at the time the mandatory evacuation ends;

GeoBlue
GeoBlue

17

Voyager Choice
GeoBlue

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

18

Voyager Essential
GeoBlue

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

19

Trekker Choice excl US
GeoBlue

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

20

Trekker Essential excl US
GeoBlue

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

Global Alert
Global Alert

21

Essentials
Global Alert

Hurricane & Weather Benefits
Common carrier delay for 12 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

TRIP CANCELLATION

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

b) Inclement weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 12 consecutive hours.

c) Mandatory evacuation ordered by local authorities at Your final destination due to hurricane or other Natural Disaster. You must have 50% of Your total Covered Trip length or less remaining on the Covered Trip, at the time the mandatory evacuation ends, in order to cancel the Covered Trip.

d) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable.

e) Strike that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours.

22

Preferred
Global Alert

Hurricane & Weather Benefits
Common carrier delay for 12 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

TRIP CANCELLATION

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

b) Inclement weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 12 consecutive hours.

c) Mandatory evacuation ordered by local authorities at Your final destination due to hurricane or other Natural Disaster. You must have 50% of Your total Covered Trip length or less remaining on the Covered Trip, at the time the mandatory evacuation ends, in order to cancel the Covered Trip.

d) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable.

e) Strike that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours.

23

Preferred Plus
Global Alert

Hurricane & Weather Benefits
Common carrier delay for 12 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

TRIP CANCELLATION

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

b) Inclement weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 12 consecutive hours.

c) Mandatory evacuation ordered by local authorities at Your final destination due to hurricane or other Natural Disaster. You must have 50% of Your total Covered Trip length or less remaining on the Covered Trip, at the time the mandatory evacuation ends, in order to cancel the Covered Trip.

d) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable.

e) Strike that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours.

HCC Medical Insurance Services
HCC Medical Insurance Services

24

Atlas International excl US
HCC Medical Insurance Services

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

HTH Travel Insurance
HTH Travel Insurance

25

TravelGap Voyager excl US
HTH Travel Insurance

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

26

TripProtector Preferred
HTH Travel Insurance

Hurricane & Weather Benefits
Common carrier delay for 48 hours Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

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

Strike that causes complete cessation of services for at least forty-eight (48) consecutive hours.

Weather that causes complete cessation of services of the Common Carrier for at least forty-eight (48) consecutive hours and prevents You from reaching Your destination. This benefit will not apply if the potential natural disaster has been forecasted or a storm has been named prior to purchase of this coverage.

Natural disaster at the site of Your destination that renders Your destination accommodations Uninhabitable.

27

TravelGap Multi-Trip Silver excl US
HTH Travel Insurance

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

28

TravelGap Multi-Trip Gold excl US
HTH Travel Insurance

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

29

TravelGap Excursion excl US
HTH Travel Insurance

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

30

TripProtector Economy
HTH Travel Insurance

Hurricane & Weather Benefits
Complete cessation of common carrier for 48 hours

Quote

Full Policy Wording

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

Strike that causes complete cessation of services for at least forty-eight (48) consecutive hours.

31

TripProtector Classic
HTH Travel Insurance

Hurricane & Weather Benefits
Common carrier delay for 48 hours Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

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

Strike that causes complete cessation of services for at least forty-eight (48) consecutive hours.

Weather that causes complete cessation of services of the Common Carrier for at least forty-eight (48) consecutive hours and prevents You from reaching Your destination. This benefit will not apply if the potential natural disaster has been forecasted or a storm has been named prior to purchase of this coverage.

Natural disaster at the site of Your destination that renders Your destination accommodations Uninhabitable.

iTravelInsured
iTravelInsured

32

Travel Lite
iTravelInsured

Hurricane & Weather Benefits
Common carrier delay for 6 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

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

g. unannounced Strike that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

h. Inclement Weather that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

mechanical breakdown that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

j. a government-mandated shutdown of an airport or air traffic control system due to a Natural Disaster;

r. Up to 7 days mandatory evacuation ordered by local government authorities at Your Trip destination (or official public evacuation notices or recommendations without a mandatory evacuation order issued) due to adverse weather or Natural Disaster;

t. a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 14 days following Your Effective Date of coverage for the Trip Cancellation Benefits;

u. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.

33

Travel SE
iTravelInsured

Hurricane & Weather Benefits
Common carrier delay for 6 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

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

b) Your or Your Traveling Companion’s primary place of residence or destination being rendered uninhabitable and remaining uninhabitable during Your scheduled Trip, by fire, flood, burglary or other Natural Disaster. The Company will only pay benefits for Losses occurring within 30 calendar days after the Natural Disaster makes Your destination accommodations uninhabitable. Your destination is uninhabitable if: (i) the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail, or flood; (iii) immediate safety hazards have yet to be cleared such as debris on roofs or downed electrical lines; or (iv) the rental property is without electricity or water. Benefits are not payable if a storm, snow storm, blizzard or hurricane is named on or before the Effective Date of Your Trip Cancellation coverage;

g. unannounced Strike that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

h. Inclement Weather that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

mechanical breakdown that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

r. Up to 7 days mandatory evacuation ordered by local government authorities at Your Trip destination (or official public evacuation notices or recommendations without a mandatory evacuation order issued) due to adverse weather or Natural Disaster;

t. a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 14 days following Your Effective Date of coverage for the Trip Cancellation Benefits;

u. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.

34

Travel SE
iTravelInsured

Hurricane & Weather Benefits
Common carrier delay for 6 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

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

b) Your or Your Traveling Companion’s primary place of residence or destination being rendered uninhabitable and remaining uninhabitable during Your scheduled Trip, by fire, flood, burglary or other Natural Disaster. The Company will only pay benefits for Losses occurring within 30 calendar days after the Natural Disaster makes Your destination accommodations uninhabitable. Your destination is uninhabitable if: (i) the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail, or flood; (iii) immediate safety hazards have yet to be cleared such as debris on roofs or downed electrical lines; or (iv) the rental property is without electricity or water. Benefits are not payable if a storm, snow storm, blizzard or hurricane is named on or before the Effective Date of Your Trip Cancellation coverage;

g. unannounced Strike that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

h. Inclement Weather that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

mechanical breakdown that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

r. Up to 7 days mandatory evacuation ordered by local government authorities at Your Trip destination (or official public evacuation notices or recommendations without a mandatory evacuation order issued) due to adverse weather or Natural Disaster;

t. a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 14 days following Your Effective Date of coverage for the Trip Cancellation Benefits;

u. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.

35

Travel LX
iTravelInsured

Hurricane & Weather Benefits
Common carrier delay for 6 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

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

b) Your or Your Traveling Companion’s primary place of residence or destination being rendered uninhabitable and remaining uninhabitable during Your scheduled Trip, by fire, flood, burglary or other Natural Disaster. The Company will only pay benefits for Losses occurring within 30 calendar days after the Natural Disaster makes Your destination accommodations uninhabitable. Your destination is uninhabitable if: (i) the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail, or flood; (iii) immediate safety hazards have yet to be cleared such as debris on roofs or downed electrical lines; or (iv) the rental property is without electricity or water. Benefits are not payable if a storm, snow storm, blizzard or hurricane is named on or before the Effective Date of Your Trip Cancellation coverage;

g. unannounced Strike that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

h. Inclement Weather that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

mechanical breakdown that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

j. a government-mandated shutdown of an airport or air traffic control system due to a Natural Disaster;

r. Up to 7 days mandatory evacuation ordered by local government authorities at Your Trip destination (or official public evacuation notices or recommendations without a mandatory evacuation order issued) due to adverse weather or Natural Disaster;

t. a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 14 days following Your Effective Date of coverage for the Trip Cancellation Benefits;

u. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.

36

Travel LX
iTravelInsured

Hurricane & Weather Benefits
Common carrier delay for 6 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

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

b) Your or Your Traveling Companion’s primary place of residence or destination being rendered uninhabitable and remaining uninhabitable during Your scheduled Trip, by fire, flood, burglary or other Natural Disaster. The Company will only pay benefits for Losses occurring within 30 calendar days after the Natural Disaster makes Your destination accommodations uninhabitable. Your destination is uninhabitable if: (i) the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail, or flood; (iii) immediate safety hazards have yet to be cleared such as debris on roofs or downed electrical lines; or (iv) the rental property is without electricity or water. Benefits are not payable if a storm, snow storm, blizzard or hurricane is named on or before the Effective Date of Your Trip Cancellation coverage;

g. unannounced Strike that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

h. Inclement Weather that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

mechanical breakdown that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

j. a government-mandated shutdown of an airport or air traffic control system due to a Natural Disaster;

r. Up to 7 days mandatory evacuation ordered by local government authorities at Your Trip destination (or official public evacuation notices or recommendations without a mandatory evacuation order issued) due to adverse weather or Natural Disaster;

t. a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 14 days following Your Effective Date of coverage for the Trip Cancellation Benefits;

u. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.

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

37

Bronze
John Hancock Insurance Agency, Inc.

Hurricane & Weather Benefits
Common carrier delay for 24 hours Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

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

c) Inclement weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 24 consecutive hours.

d) Adverse weather or Natural Disasters resulting in the complete cessation of travel services.

e) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable.

f) Strike that causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours.

38

Silver
John Hancock Insurance Agency, Inc.

Hurricane & Weather Benefits
Common carrier delay for 24 hours Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

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

c) Inclement weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 24 consecutive hours.

d) Adverse weather or Natural Disasters resulting in the complete cessation of travel services.

e) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable.

f) Strike that causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours.

39

Gold
John Hancock Insurance Agency, Inc.

Hurricane & Weather Benefits
Common carrier delay for 24 hours Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

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

c) Inclement weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 24 consecutive hours.

(d) Adverse weather or Natural Disasters resulting in the complete cessation of travel services.

(e) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable.

(f) StrikethatcausescompletecessationofservicesofYourCommonCarrierforatleast24consecutivehours.

MedjetAssist
MedjetAssist

40

Annual Membership
MedjetAssist

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

41

MedjetAssist Extended Stay
MedjetAssist

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

42

MedjetAssist Short Term Plan
MedjetAssist

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

MH Ross Travel Insurance Services
MH Ross Travel Insurance Services

43

Asset Plus
MH Ross Travel Insurance Services

Hurricane & Weather Benefits
Common carrier delay for 12 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Hurricane warning conditionally covered

Quote

Full Policy Wording

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

c) Your or Your Traveling Companion’s primary place of residence or destination is made Uninhabitable and remains Uninhabitable during Your scheduled Trip, by fire, flood, or other Natural Disaster, vandalism or burglary of Your principle place of residence within 10 days of departure;

h) Strike that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

i) Inclement Weather that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

j) mechanical breakdown of the aircraft on which You are scheduled to travel that causes a cancellation or delay of Your flight for at least 12 consecutive hours provided no alternative flights are available;

t) a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip departure or destination city is under a hurricane warning issued by the NOAA National Hurricane Center provided the cancellation occurs more than 14 days following Your Effective Date of coverage for Trip Cancellation;

u) mandatory evacuation ordered by local government authorities at Your Trip destination due to a Natural Disaster or a hurricane named after the Effective Date of Your coverage. You must have 50% or less of Your Trip length remaining at the time the mandatory evacuation ends in order to cancel or interrupt Your Trip and for this benefit to be payable;

v) a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Travel Delay Benefit;

44

Bridge
MH Ross Travel Insurance Services

Hurricane & Weather Benefits
Common carrier delay for 12 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Hurricane warning conditionally covered

Quote

Full Policy Wording

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

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

h) Strike that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

i) Inclement Weather that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

j) mechanical breakdown of the aircraft on which You are scheduled to travel that causes a cancellation or delay of Your flight for at least 12 consecutive hours provided no alternative flights are available;

k) a government-mandated shutdown of an airport or air traffic control system due to a Natural Disaster or a Terrorist Incident;

t) a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip departure or destination city is under a hurricane warning issued by the NOAA National Hurricane Center provided the cancellation occurs more than 14 days following Your Effective Date of coverage for Trip Cancellation;

u) mandatory evacuation ordered by local government authorities at Your Trip destination due to a Natural Disaster or a hurricane named after the Effective Date of Your coverage. You must have 50% or less of Your Trip length remaining at the time the mandatory evacuation ends in order to cancel or interrupt Your Trip and for this benefit to be payable;

v) a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Travel Delay Benefit;

45

Complete
MH Ross Travel Insurance Services

Hurricane & Weather Benefits
Common carrier delay for 12 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Hurricane warning conditionally covered

Quote

Full Policy Wording

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

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

h. Strike that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

i) Inclement Weather that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

j. mechanical breakdown of the aircraft on which You are scheduled to travel that causes a cancellation or delay of Your flight for at least 12 consecutive hours provided no alternative flights are available;

k. a government-mandated shutdown of an airport or air traffic control system due to a Natural Disaster or a Terrorist Incident;

t. a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip departure or destination city is under a hurricane warning issued by the NOAA National Hurricane Center provided the cancellation occurs more than 14 days following Your Effective Date of coverage for Trip Cancellation;

u. mandatory evacuation ordered by local government authorities at Your Trip destination due to a Natural Disaster or a hurricane named after the Effective Date of Your coverage. You must have 50% or less of Your Trip length remaining at the time the mandatory evacuation ends in order to cancel or interrupt Your Trip and for this benefit to be payable;

v. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Travel Delay Benefit;

46

Asset
MH Ross Travel Insurance Services

Hurricane & Weather Benefits
Common carrier delay for 12 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Hurricane warning conditionally covered

Quote

Full Policy Wording

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

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

h. Strike that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

i) Inclement Weather that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

j. mechanical breakdown of the aircraft on which You are scheduled to travel that causes a cancellation or delay of Your flight for at least 12 consecutive hours provided no alternative flights are available;

k. a government-mandated shutdown of an airport or air traffic control system due to a Natural Disaster or a Terrorist Incident;

t. a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip departure or destination city is under a hurricane warning issued by the NOAA National Hurricane Center provided the cancellation occurs more than 14 days following Your Effective Date of coverage for Trip Cancellation;

u. mandatory evacuation ordered by local government authorities at Your Trip destination due to a Natural Disaster or a hurricane named after the Effective Date of Your coverage. You must have 50% or less of Your Trip length remaining at the time the mandatory evacuation ends in order to cancel or interrupt Your Trip and for this benefit to be payable;

v. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Travel Delay Benefit;

RoamRight
RoamRight

47

Essential
RoamRight

Hurricane & Weather Benefits
Common carrier delay for 24 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

TRIP CANCELLATION

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

c. Your or Your Traveling Companion’s primary place of residence or destination is made Uninhabitable and remains Uninhabitable during Your scheduled Trip, by fire, flood, or other Natural Disaster, vandalism, or burglary of Your principle place of residence within 10 days of departure;

e. Strike that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

f. Inclement Weather that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

m. mandatory evacuation ordered by local government authorities at Your Trip destination due to a Natural Disaster or a hurricane named after the Effective Date of Your coverage. You must have 50% or less of Your Trip length remaining at the time the mandatory evacuation ends in order to cancel or interrupt Your Trip and for this benefit to be payable;

48

Preferred
RoamRight

Hurricane & Weather Benefits
Common carrier delay for 24 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

TRIP CANCELLATION

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

c. Your or Your Traveling Companion’s primary place of residence or destination is made Uninhabitable and remains Uninhabitable during Your scheduled Trip, by fire, flood, or other Natural Disaster, vandalism, or burglary of Your principle place of residence within 10 days of departure;

e. Strike that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

f. Inclement Weather that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

m. mandatory evacuation ordered by local government authorities at Your Trip destination due to a Natural Disaster or a hurricane named after the Effective Date of Your coverage. You must have 50% or less of Your Trip length remaining at the time the mandatory evacuation ends in order to cancel or interrupt Your Trip and for this benefit to be payable;

49

Elite
RoamRight

Hurricane & Weather Benefits
Common carrier delay for 24 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

TRIP CANCELLATION

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

c. Your or Your Traveling Companion’s primary place of residence or destination is made Uninhabitable and remains Uninhabitable during Your scheduled Trip, by fire, flood, or other Natural Disaster, vandalism, or burglary of Your principle place of residence within 10 days of departure;

e. Strike that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

f. Inclement Weather that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

m. mandatory evacuation ordered by local government authorities at Your Trip destination due to a Natural Disaster or a hurricane named after the Effective Date of Your coverage. You must have 50% or less of Your Trip length remaining at the time the mandatory evacuation ends in order to cancel or interrupt Your Trip and for this benefit to be payable;

50

Active
RoamRight

Hurricane & Weather Benefits
Common carrier delay for 24 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

TRIP CANCELLATION

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

c. Your or Your Traveling Companion’s primary place of residence or destination is made Uninhabitable and remains Uninhabitable during Your scheduled Trip, by fire, flood, or other Natural Disaster, vandalism, or burglary of Your principle place of residence within 10 days of departure;

e. Strike that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

f. Inclement Weather that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

m. mandatory evacuation ordered by local government authorities at Your Trip destination due to a Natural Disaster or a hurricane named after the Effective Date of Your coverage. You must have 50% or less of Your Trip length remaining at the time the mandatory evacuation ends in order to cancel or interrupt Your Trip and for this benefit to be payable;

51

Adventure
RoamRight

Hurricane & Weather Benefits
Common carrier delay for 24 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

TRIP CANCELLATION

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

c. Your or Your Traveling Companion’s primary place of residence or destination is made Uninhabitable and remains Uninhabitable during Your scheduled Trip, by fire, flood, or other Natural Disaster, vandalism, or burglary of Your principle place of residence within 10 days of departure;

e. Strike that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

f. Inclement Weather that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

m. mandatory evacuation ordered by local government authorities at Your Trip destination due to a Natural Disaster or a hurricane named after the Effective Date of Your coverage. You must have 50% or less of Your Trip length remaining at the time the mandatory evacuation ends in order to cancel or interrupt Your Trip and for this benefit to be payable;

52

Multi-Trip
RoamRight

Hurricane & Weather Benefits
Common carrier delay for 24 hours Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

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

c. Your or Your Traveling Companion’s primary place of residence or destination is made Uninhabitable and remains Uninhabitable during Your scheduled Trip, by fire, flood, or other Natural Disaster, vandalism, or burglary of Your primary place of residence within 10 days of departure;

f. Inclement Weather that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

53

Multi-Trip Medical excl US
RoamRight

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

54

Medical excl US
RoamRight

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

Seven Corners Inc
Seven Corners Inc

55

RoundTrip
Seven Corners Inc

Hurricane & Weather Benefits
Common carrier delay for 48 hours Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

TRIP CANCELLATION & TRIP INTERRUPTION

The Company will pay a benefit, up to the maximum shown on the Confirmation of Coverage, if You are prevented from taking or unable to continue Your Trip due to:

i) Weather that causes complete cessation of services of Your Common Carrier for at least forty-eight (48) consecutive hours.

l) Natural disaster at the site of Your destination that renders the destination accommodations uninhabitable.

56

RoundTrip Choice
Seven Corners Inc

Hurricane & Weather Benefits
Common carrier delay for 48 hours Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

TRIP CANCELLATION & TRIP INTERRUPTION

The Company will pay a benefit, up to the maximum shown on the Confirmation of Coverage, if You are prevented from taking or unable to continue Your Trip due to:

h) Strike that causes complete cessation of services for at least forty-eight (48) consecutive hours.

i) Weather that causes complete cessation of services of Your Common Carrier for at least forty-eight (48) consecutive hours.

l) Natural disaster at the site of Your destination that renders the destination accommodations uninhabitable.

57

Liaison Continent excl US
Seven Corners Inc

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

58

Liaison Majestic excl US
Seven Corners Inc

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

59

Liaison International excl US
Seven Corners Inc

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

60

RoundTrip Economy
Seven Corners Inc

Hurricane & Weather Benefits
Common carrier delay for 48 hours Must be purchased before storm is named

Quote

Full Policy Wording

TRIP CANCELLATION

TRIP INTERRUPTION

e) Inclement Weather that causes complete cessation of services for at least 48 consecutive hours of the Common Carrier on which You are scheduled to travel;

61

RoundTrip Elite
Seven Corners Inc

Hurricane & Weather Benefits
Common carrier delay for 48 hours Must be purchased before storm is named

Quote

Full Policy Wording

TRIP CANCELLATION

TRIP INTERRUPTION

e) Inclement Weather that causes complete cessation of services for at least 48 consecutive hours of the Common Carrier on which You are scheduled to travel;

Tin Leg
Tin Leg

62

Luxury
Tin Leg

Hurricane & Weather Benefits
Common carrier delay for 12 hours Mandatory evacuation conditionally covered Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

b) Inclement weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 12 consecutive hours.

c) Mandatory evacuation ordered by local authorities at Your destination due to hurricane or other Natural Disaster. You must have 50% or less of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.

d) Natural Disaster or documented man-made disaster at the site of Your destination which renders Your accommodations at Your destination uninhabitable.

Travelex Insurance Services
Travelex Insurance Services

63

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

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

64

Flight Insure Package Plan Multi-trip
Travelex Insurance Services

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

65

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

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

66

Flight Insure Plus - Package Plan
Travelex Insurance Services

Hurricane & Weather Benefits
No coverage

Quote

Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

67

Travel Basic
Travelex Insurance Services

Hurricane & Weather Benefits
Common carrier delay for any length of time Must be purchased before storm is named

Quote

Full Policy Wording

Trip Cancellation and Interruption Covered Reasons

Coverage is provided for the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy if there is a change in plans by you, a Family Member traveling with you, or Traveling Companion:

4. arrangements canceled by an airline, cruise line, motor coach company, or tour operator, resulting from inclement weather, mechanical breakdown or organized labor strikes that affect public transportation.

68

Travel Max
Travelex Insurance Services

Hurricane & Weather Benefits
Common carrier delay for any length of time Mandatory evacuation covered Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

Pre-Departure Trip Cancellation Benefits

If you are prevented from taking your Covered Trip for one of the Covered Reasons, we will reimburse you, up to the amount in the Schedule for the amount of forfeited, and prepaid, non-refundable, and unused Payments or Deposits that you paid for your Covered Trip.

We will pay your additional cost as a result of a published change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Covered Trip is canceled due to a covered reason and your Covered Trip is not canceled.

If the travel supplier cancels your Covered Trip, you are covered up to $200 for the reissue fee charged by the airline for the tickets or up to $200 for the cost charged to retain your frequent traveler awards/points if you used them to purchase the airline ticket in conjunction with this Covered Trip. You must have covered the entire cost of the Covered Trip including the airfare.

Trip Cancellation and Interruption

Covered Reasons

Coverage is provided for the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy if there is a change in plans by you, a Family Member traveling with you, or Traveling Companion:

3. Common Carrier delays resulting from inclement weather, or mechanical breakdown or organized labor strikes that affect public transportation;arrangements canceled by an airline, cruise line, motor coach company, or tour operator, resulting from inclement weather, mechanical breakdown or organized labor strikes that affect public transportation;

4. arrangements canceled by an airline, cruise line, motor coach company, or tour operator, resulting from inclement weather, mechanical breakdown or organized labor strikes that affect public transportation;

9. your destination made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;

10. mandatory evacuation ordered by local authorities at your destination due to hurricane or other natural disaster;

69

Travel Select
Travelex Insurance Services

Hurricane & Weather Benefits
Common carrier delay for any length of time Mandatory evacuation covered Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

Pre-Departure Trip Cancellation Benefits

If you are prevented from taking your Covered Trip for one of the Covered Reasons, we will reimburse you, up to the amount in the Schedule, for the amount of forfeited, and prepaid, non-refundable, and unused Payments or Deposits that you paid for your Covered Trip.

We will pay your additional cost as a result of a published change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Covered Trip is canceled due to a Covered Reason and your Covered Trip is not canceled.

If the travel supplier cancels your Covered Trip, you are covered up to $200 for the reissue fee charged by the airline for the tickets or up to $200 for the cost charged to retain your frequent traveler awards/points if you used them to purchase the airline ticket in conjunction with this Covered Trip. You must have covered the entire cost of the Covered Trip including the airfare.

Trip Cancellation and Interruption Covered Reasons

Coverage is provided for the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy if there is a change in plans by you, a Family Member traveling with you, or Traveling Companion:

3. Common Carrier delays resulting from inclement weather, or mechanical breakdown or organized labor strikes that affect public transportation;

4. arrangements canceled by an airline, cruise line, motor coach company, or tour operator, resulting from inclement weather, mechanical breakdown or organized labor strikes that affect public transportation;

9. your destination made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;

10. mandatory evacuation ordered by local authorities at your destination due to hurricane or other natural disaster;

TravelSafe
TravelSafe

70

Basic
TravelSafe

Hurricane & Weather Benefits
Common carrier delay for 12 hours Accommodation made uninhabitable Must be purchased before storm is named

Quote

Full Policy Wording

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

b) Your or Your Traveling Companion’s primary place of residence or destination being rendered uninhabitable by fire, flood, burglary or other Natural Disaster. We will only pay benefits for Losses occurring within 30 calendar days after the Natural Disaster makes Your destination accommodations uninhabitable. Your primary place of residence or destination is uninhabitable if: (i) the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail, or flood; (iii) immediate safety hazards have yet to be cleared such as debris on roofs or downed electrical lines; or (iv) the property is without electricity or water. Benefits are not payable if a storm, snow storm, blizzard or hurricane is named on or before the Effective Date of Your Trip Cancellation coverage;

f) unannounced Strike that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

g) Inclement Weather that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

h) mechanical breakdown that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

71

Classic
TravelSafe

Hurricane & Weather Benefits
Common carrier delay for 12 hours Mandatory evacuation covered Accommodation made uninhabitable Hurricane warning conditionally covered Must be purchased before storm is named

Quote

Full Policy Wording

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

b) Your or Your Traveling Companion’s primary place of residence or destination being rendered uninhabitable by fire, flood, burglary or other Natural Disaster. We will only pay benefits for Losses occurring within 30 calendar days after the Natural Disaster makes Your destination accommodations uninhabitable. Your primary place of residence or destination is uninhabitable if: (i) the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail, or flood; (iii) immediate safety hazards have yet to be cleared such as debris on roofs or downed electrical lines; or (iv) the property is without electricity or water. Benefits are not payable if a storm, snow storm, blizzard or hurricane is named on or before the Effective Date of Your Trip Cancellation coverage;

g) unannounced Strike that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

h) Inclement Weather that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

i) mechanical breakdown that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

j) a government-mandated shutdown of an airport or air traffic control system due to a Natural Disaster;

r) mandatory evacuation ordered by local government authorities at Your Trip destination (or official public evacuation notices or recommendations without a mandatory evacuation order issued) due to adverse weather or Natural Disaster;

u) a cancellation of Your Trip within 36 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 14 days following Your Effective Date of coverage for the Trip Cancellation Benefits;

72

Classic Plus
TravelSafe

Hurricane & Weather Benefits
Common carrier delay for 12 hours Mandatory evacuation covered Accommodation made uninhabitable Hurricane warning conditionally covered Must be purchased before storm is named

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Full Policy Wording

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

b) Your or Your Traveling Companion’s primary place of residence or destination being rendered uninhabitable by fire, flood, burglary or other Natural Disaster. We will only pay benefits for Losses occurring within 30 calendar days after the Natural Disaster makes Your destination accommodations uninhabitable. Your primary place of residence or destination is uninhabitable if: (i) the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail, or flood; (iii) immediate safety hazards have yet to be cleared such as debris on roofs or downed electrical lines; or (iv) the property is without electricity or water. Benefits are not payable if a storm, snow storm, blizzard or hurricane is named on or before the Effective Date of Your Trip Cancellation coverage;

g) unannounced Strike that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

h) Inclement Weather that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

i) mechanical breakdown that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

j) a government-mandated shutdown of an airport or air traffic control system due to a Natural Disaster;

r) mandatory evacuation ordered by local government authorities at Your Trip destination (or official public evacuation notices or recommendations without a mandatory evacuation order issued) due to adverse weather or Natural Disaster;

u) a cancellation of Your Trip within 36 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 14 days following Your Effective Date of coverage for the Trip Cancellation Benefits;

Trawick International
Trawick International

73

Safe Travels USA
Trawick International

Hurricane & Weather Benefits
No coverage

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Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

74

Safe Travels International excl US
Trawick International

Hurricane & Weather Benefits
No coverage

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Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

75

Safe Travels USA Trip Protection
Trawick International

Hurricane & Weather Benefits
Accommodation made uninhabitable Must be purchased before storm is named

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Full Policy Wording

Trip Cancellation and Trip Interruption Benefit – up to 100% of the Insured Trip Cost for Cancellation from $250 up to $10,000 and 150% of the Insured trip Cost from $375 up to $15,000 in respect of loss of travel and accommodation expenses paid or contracted to be paid as a result of the Covered Trip being necessarily and unavoidably cancelled or interrupted due to any of the following causes commencing and occurring during the Period of Insurance provided such expenses are not recoverable from any other source:

5. the Insured’s Primary Residence or the Insured’s Destination being made Inaccessible or Uninhabitable by Natural Disaster, vandalism, or burglary; The Insurer will only pay benefits for losses occurring within 30 calendar days after the named hurricane makes the Insured’s Destination Inaccessible or Uninhabitable. Benefits are not payable if a hurricane is named on or before the effective date of the Insured’s Trip Cancellation coverage.

76

Safe Travels International Cost Saver excl US
Trawick International

Hurricane & Weather Benefits
No coverage

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Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

77

Safe Travels USA Cost Saver
Trawick International

Hurricane & Weather Benefits
No coverage

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Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

USA-ASSIST Worldwide Protection
USA-ASSIST Worldwide Protection

78

Global Travel Medical Diamond
USA-ASSIST Worldwide Protection

Hurricane & Weather Benefits
No coverage

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Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

79

Global Travel Medical Executive
USA-ASSIST Worldwide Protection

Hurricane & Weather Benefits
No coverage

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Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

80

Global Travel Medical Gold
USA-ASSIST Worldwide Protection

Hurricane & Weather Benefits
No coverage

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Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

81

Global Travel Medical Platinum
USA-ASSIST Worldwide Protection

Hurricane & Weather Benefits
No coverage

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Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

82

Global Travel Medical Standard
USA-ASSIST Worldwide Protection

Hurricane & Weather Benefits
No coverage

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Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

83

Global Travel Medical Titanium
USA-ASSIST Worldwide Protection

Hurricane & Weather Benefits
No coverage

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Full Policy Wording

There is no Hurricane & Weather coverage in this plan.

84

GlobalTrip Classic
USA-ASSIST Worldwide Protection

Hurricane & Weather Benefits
Common carrier delay for 48 hours Must be purchased before storm is named

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Full Policy Wording

You have benefits in the amount purchased* for unused non-refundable prepaid expenses for travel arrangements, whenever you are prevented from taking a trip for any of the following reasons that occur after the effective date of your protection plan:

3. Weather that causes complete cessation of services of your common carrier for at least 48 consecutive hours.

*Please note that the full cost of the trip must be declared and informed in the purchase form, up to a maximum of US$ 20,000 per person. Otherwise, in case of a Trip Cancellation or Trip Interruption claim, benefit will be settled proportionally to the declared trip cost amount (pro-rata). If Airline tickets are paid with award miles, the cost of issuing the ticket and taxes paid must be included in the full declared cost of the trip.

85

GlobalTrip Saver
USA-ASSIST Worldwide Protection

Hurricane & Weather Benefits
Common carrier delay for 48 hours Must be purchased before storm is named

Quote

Full Policy Wording

You have benefits in the amount purchased* for unused non-refundable prepaid expenses for travel arrangements, whenever you are prevented from taking a trip for any of the following reasons that occur after the effective date of your protection plan:

3. Weather that causes complete cessation of services of your common carrier for at least 48 consecutive hours.

*Please note that the full cost of the trip must be declared and informed in the purchase form, up to a maximum of US$ 20,000 per person. Otherwise, in case of a Trip Cancellation or Trip Interruption claim, benefit will be settled proportionally to the declared trip cost amount (pro-rata). If Airline tickets are paid with award miles, the cost of issuing the ticket and taxes paid must be included in the full declared cost of the trip.

86

GlobalTrip Plus
USA-ASSIST Worldwide Protection

Hurricane & Weather Benefits
Common carrier delay for 48 hours Must be purchased before storm is named

Quote

Full Policy Wording

You have benefits in the amount purchased* for unused non-refundable prepaid expenses for travel arrangements, whenever you are prevented from taking a trip for any of the following reasons that occur after the effective date of your protection plan:

3. Weather that causes complete cessation of services of your common carrier for at least 48 consecutive hours.

*Please note that the full cost of the trip must be declared and informed in the purchase form, up to a maximum of US$ 20,000 per person. Otherwise, in case of a Trip Cancellation or Trip Interruption claim, benefit will be settled proportionally to the declared trip cost amount (pro-rata). If Airline tickets are paid with award miles, the cost of issuing the ticket and taxes paid must be included in the full declared cost of the trip.

87

GlobalTrip High Medical
USA-ASSIST Worldwide Protection

Hurricane & Weather Benefits
Common carrier delay for 48 hours Must be purchased before storm is named

Quote

Full Policy Wording

You have benefits in the amount purchased* for unused non-refundable prepaid expenses for travel arrangements, whenever you are prevented from taking a trip for any of the following reasons that occur after the effective date of your protection plan:

3. Weather that causes complete cessation of services of your common carrier for at least 48 consecutive hours.

*Please note that the full cost of the trip must be declared and informed in the purchase form, up to a maximum of US$ 20,000 per person. Otherwise, in case of a Trip Cancellation or Trip Interruption claim, benefit will be settled proportionally to the declared trip cost amount (pro-rata). If Airline tickets are paid with award miles, the cost of issuing the ticket and taxes paid must be included in the full declared cost of the trip.