What is Missed Connection?

Missed Connection can reimburse the additional costs for a traveler to catch up to their trip if they miss their departure for a covered reason.

To be covered by the Missed Connection benefit, a traveler must experience a common carrier delay that lasts a specified amount of time, typically 3, 6, or 12 hours. The most common covered reasons under this benefit are inclement weather or a mechanical breakdown of a common carrier.

Certain policies with Missed Connection coverage only provide reimbursement if a traveler needs to catch up to a cruise or tour. These policies will specifically state “Cruise only” or “Cruise and tour only”.

Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Missed Connection coverage.

Looking for a policy with Missed Connection coverage?

Enter your trip information on our custom search form. Once you receive your results, select the Missed Connection filter to find the best policy for your trip with the coverage that you need.

Search & Compare Travel Insurance Policies
All policies provide worldwide coverage unless stated prior to purchase.
Step 1 of 3
April Travel Protection
April Travel Protection
Policy Name and Summary of Coverage
1

Choice

$500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION COVERAGE

We will pay for Covered Expenses up to the amount in the Schedule should you miss your cruise or tour departure as a result of the cancellation or delay of 3 hours or more of your regularly scheduled airline flight due to adverse weather. For this benefit, Covered Expenses means additional transportation expenses incurred to join the departed cruise or tour, reasonable additional Accommodation and meal expenses incurred en route to catch up to the cruise or tour, and non-refundable cruise or tour payments for the unused portion of your water or land arrangements. This coverage is available if no other coverage is provided by a Common Carrier or other party at no cost to you, and if no coverage is available elsewhere in the Policy.

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2

Choice

$500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION COVERAGE

We will pay for Covered Expenses up to the amount in the Schedule should you miss your cruise or tour departure as a result of the cancellation or delay of 3 hours or more of your regularly scheduled airline flight due to adverse weather. For this benefit, Covered Expenses means additional transportation expenses incurred to join the departed cruise or tour, reasonable additional Accommodation and meal expenses incurred en route to catch up to the cruise or tour, and non-refundable cruise or tour payments for the unused portion of your water or land arrangements. This coverage is available if no other coverage is provided by a Common Carrier or other party at no cost to you, and if no coverage is available elsewhere in the Policy.

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3

Annual Plan

$500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION COVERAGE

We will pay for Covered Expenses up to the amount in the Schedule should you miss your cruise or tour departure as a result of the cancellation or delay of 3 hours or more of your regularly scheduled airline flight due to adverse weather. For this benefit, Covered Expenses means additional transportation expenses incurred to join the departed cruise or tour, reasonable additional Accommodation and meal expenses incurred en route to catch up to the cruise or tour, and non‐refundable cruise or tour payments for the unused portion of your water or land arrangements. This coverage is available if no other coverage is provided by a Common Carrier or other party at no cost to you, and if no coverage is available elsewhere in the Policy.

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4

Pandemic Plus

$250 per person
Covered after 3 hour delay

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip;

b) reasonable accommodations and meal expenses; and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

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Arch RoamRight
Arch RoamRight
Policy Name and Summary of Coverage
5

Essential

$200 per person
Covered after 6 hour delay

MISSED CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for 6 or more hours, due to:

a) any delay of a Common Carrier;

b) documented weather condition preventing You from getting to the point of departure for Your Trip;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1) Your Additional Transportation Cost to join the departed Trip; and

2) Your prepaid expenses for the unused land or water Travel Arrangements.

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6

Preferred

$500 per person
Covered after 3 hour delay

MISSED CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier;

b) documented weather condition preventing You from getting to the point of departure for Your Trip;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1) Your Additional Transportation Cost to join the departed Trip; and

2) Your prepaid expenses for the unused land or water Travel Arrangements.

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AXA Assistance USA
AXA Assistance USA
Policy Name and Summary of Coverage
7

Silver

$500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You miss Your Cruise and tour departure, scheduled during Your Trip, that results from cancellation or delay, for three (3) or more hours, of all regularly scheduled airline flights due to Inclement Weather.

Benefits are provided for:

• additional transportation expenses needed for You to join Your departed Cruise and tour;

• reasonable accommodation and meal expenses (up to the limit shown on the Confirmation of Coverage); and

• pre-paid nonrefundable Trip payments for the unused portion of Your Cruise and tour.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise and tour due to Inclement Weather.

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8

Gold

$1,000 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You miss Your Cruise and tour departure, scheduled during Your Trip, that results from cancellation or delay, for three (3) or more hours, of all regularly scheduled airline flights due to Inclement Weather.

Benefits are provided for:

• additional transportation expenses needed for You to join Your departed Cruise and tour;

• reasonable accommodation and meal expenses (up to the limit shown on the Confirmation of Coverage); and

• pre-paid nonrefundable Trip payments for the unused portion of Your Cruise and tour.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise and tour due to Inclement Weather.

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9

Platinum

$1,500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You miss Your Cruise and tour departure, scheduled during Your Trip, that results from cancellation or delay, for three (3) or more hours, of all regularly scheduled airline flights due to Inclement Weather.

Benefits are provided for:

• additional transportation expenses needed for You to join Your departed Cruise and tour;

• reasonable accommodation and meal expenses (up to the limit shown on the Confirmation of Coverage); and

• pre-paid nonrefundable Trip payments for the unused portion of Your Cruise and tour.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise and tour due to Inclement Weather.

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battleface
battleface
Policy Name and Summary of Coverage
10

Explorer

$750 per person
Covered after 3 hour delay

MISSED CONNECTION

We will reimburse you, up to the maximum amount shown in the schedule of benefits if, while on a covered trip, you miss a trip departure resulting from delay of at least 3 consecutive hours of your scheduled airline flights due to inclement weather or common carrier caused delay, for:

a. Additional transportation expenses incurred by you to join the departed trip;

b Reasonable accommodation and meal expenses incurred, which were not paid or provided for by any other source, up to the per day amount shown in the schedule of benefits; and

c. Pre-paid, non-refundable trip payments for the unused portion of the trip.

The common carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

These benefits will not duplicate any other benefit payments payable under this policy or any coverage attached to this policy.

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Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection
Policy Name and Summary of Coverage
11

ExactCare

$500 per person
Covered after 3 hour delay

MISSED CONNECTION

If, while on a Trip, You miss a Trip departure resulting from cancellation or delay of at least 3 consecutive hours of all Your regularly scheduled airline flights due to Inclement Weather or Common Carrier caused delay, the Company will reimburse You up to the Maximum Limit shown in the Schedule for:

a) additional transportation expenses incurred by the Insured to join the departed Trip; and

(b) pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

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12

LuxuryCare

$500 per person
Covered after 3 hour delay

MISSED CONNECTION

If, while on a Trip, You miss a Trip departure resulting from cancellation or delay of at least 3 consecutive hours of all Your regularly scheduled airline flights due to Inclement Weather or Common Carrier caused delay, the Company will reimburse You up to the Maximum Limit shown in the Schedule for:

a) additional transportation expenses incurred by the Insured to join the departed Trip; and

b) pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

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Cat 70
Cat 70
Policy Name and Summary of Coverage
13

Travel Plan

$500 per person
Covered after 3 hour delay

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip;

b) reasonable accommodations and meal expenses; and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

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Generali Global Assistance
Generali Global Assistance
Policy Name and Summary of Coverage
14

Standard

$500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION COVERAGE

We will pay for Covered Expenses up to the amount in the Schedule should you miss your cruise or tour departure as a result of the cancellation or delay of 3 hours or more of your regularly scheduled airline flight due to adverse weather. For this benefit, Covered Expenses means additional transportation expenses incurred to join the departed cruise or tour, reasonable additional Accommodation and meal expenses incurred en route to catch up to the cruise or tour, and non-refundable cruise or tour payments for the unused portion of your water or land arrangements. This coverage is available if no other coverage is provided by a Common Carrier or other party at no cost to you, and if no coverage is available elsewhere in the Policy.

Read Hide Full Policy Wording
15

Preferred

$750 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION COVERAGE

We will pay for Covered Expenses up to the amount in the Schedule should you miss your cruise or tour departure as a result of the cancellation or delay of 3 hours or more of your regularly scheduled airline flight due to adverse weather. For this benefit, Covered Expenses means additional transportation expenses incurred to join the departed cruise or tour, reasonable additional Accommodation and meal expenses incurred en route to catch up to the cruise or tour, and non-refundable cruise or tour payments for the unused portion of your water or land arrangements. This coverage is available if no other coverage is provided by a Common Carrier or other party at no cost to you, and if no coverage is available elsewhere in the Policy.

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16

Premium

$1,000 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION COVERAGE

We will pay for Covered Expenses up to the amount in the Schedule should you miss your cruise or tour departure as a result of the cancellation or delay of 3 hours or more of your regularly scheduled airline flight due to adverse weather. For this benefit, Covered Expenses means additional transportation expenses incurred to join the departed cruise or tour, reasonable additional Accommodation and meal expenses incurred en route to catch up to the cruise or tour, and non-refundable cruise or tour payments for the unused portion of your water or land arrangements. This coverage is available if no other coverage is provided by a Common Carrier or other party at no cost to you, and if no coverage is available elsewhere in the Policy.

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GeoBlue
GeoBlue
Policy Name and Summary of Coverage
17

Trekker Choice excl US

No coverage

There is no Missed Connection coverage with this plan.

18

Trekker Essential excl US

No coverage

There is no Missed Connection coverage with this plan.

HTH Travel Insurance
HTH Travel Insurance
Policy Name and Summary of Coverage
19

TripProtector Preferred

$1,000 per person
Covered after 3 hour delay
Cruise only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You miss Your Cruise departure, scheduled during Your Trip, that results from cancellation or delay, for three (3) or more hours, of all regularly scheduled airline flights due to Inclement Weather or any Common Carrier caused delay. Benefits are provided for:

• additional transportation expenses needed for You to join Your departed Cruise;

• reasonable accommodation and meal expenses (up to the per day limit shown on the Confirmation of Coverage); and

• pre-paid nonrefundable Trip payments for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise due to Inclement Weather.

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20

TripProtector Economy

$250 per person
Covered after 3 hour delay
Cruise only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You miss Your Cruise departure, scheduled during Your Trip, that results from cancellation or delay, for three (3) or more hours, of all regularly scheduled airline flights due to Inclement Weather or any Common Carrier caused delay. Benefits are provided for:

• additional transportation expenses needed for You to join Your departed Cruise;

• reasonable accommodation and meal expenses (up to the per day limit shown on the Confirmation of Coverage); and

• pre-paid nonrefundable Trip payments for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise due to Inclement Weather.

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21

TripProtector Classic

$500 per person
Covered after 3 hour delay
Cruise only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You miss Your Cruise departure, scheduled during Your Trip, that results from cancellation or delay, for three (3) or more hours, of all regularly scheduled airline flights due to Inclement Weather or any Common Carrier caused delay. Benefits are provided for:

• additional transportation expenses needed for You to join Your departed Cruise;

• reasonable accommodation and meal expenses (up to the per day limit shown on the Confirmation of Coverage); and

• pre-paid nonrefundable Trip payments for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise due to Inclement Weather.

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iTravelInsured
iTravelInsured
Policy Name and Summary of Coverage
22

Travel SE

$500 per person
Covered after 6 hour delay

MISSED TRIP CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for at least six (6) consecutive hours, due to:

1. any delay, cancellation or mechanical breakdown of regularly scheduled Common Carrier, must be documented by the Common Carrier;
2. Inclement Weather that is documented;
3. Quarantine, hijacking, Strike, Natural Disaster, terrorism or Civil Disorder or Riot;

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1. Additional Transportation Cost incurred by You to join the departed Trip.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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23

Travel LX

$500 per person
Covered after 3 hour delay

MISSED TRIP CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for at least three (3) consecutive hours, due to:

1. any delay, cancellation or mechanical breakdown of regularly scheduled Common Carrier, must be documented by the Common Carrier;
2. Inclement Weather that is documented;
3. Quarantine, hijacking, Strike, Natural Disaster, terrorism or Civil Disorder or Riot;

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1. Additional Transportation Cost incurred by You to join the departed Trip.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy

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24

Travel LX Basic

$500 per person
Covered after 3 hour delay

MISSED TRIP CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for at least three (3) consecutive hours, due to:

1. any delay, cancellation or mechanical breakdown of regularly scheduled Common Carrier, must be documented by the Common Carrier;
2. Inclement Weather that is documented;
3. Quarantine, hijacking, Strike, Natural Disaster, terrorism or Civil Disorder or Riot;

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1. Additional Transportation Cost incurred by You to join the departed Trip.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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John Hancock Insurance Agency, Inc.
John Hancock Insurance Agency, Inc.
Policy Name and Summary of Coverage
25

Bronze

$200 per person
Covered after 3 hour delay

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip;

b) reasonable accommodations and meal expenses; and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

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26

Silver

$750 per person
Covered after 3 hour delay

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip;

b) reasonable accommodations and meal expenses; and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

Read Hide Full Policy Wording
27

Gold

$1,000 per person
Covered after 3 hour delay

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip;

b) reasonable accommodations and meal expenses; and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

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Nationwide Mutual Insurance Company
Nationwide Mutual Insurance Company
Policy Name and Summary of Coverage
28

Cruise Universal

$500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and six (6) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;

b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;

c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

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29

Cruise Choice

$1,500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and six (6) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;
b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;
c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

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30

Cruise Luxury

$2,500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and six (6) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;
b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;
c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

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Seven Corners Inc
Seven Corners Inc
Policy Name and Summary of Coverage
31

RoundTrip Choice

$1,500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED TOUR OR CRUISE CONNECTION – up to $250 per day to a maximum of $1,500

If You miss Your tour or cruise departure because Your arrival at Your Trip destination is delayed for at least 3 consecutive hours, due to:

1. any delay, cancellation or mechanical breakdown of regularly scheduled Common Carrier must be documented by the Common Carrier;

2. Inclement Weather that is documented;

3. Quarantine, hijacking, Strike, Natural Disaster, terrorism or Civil Disorder or Riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1. Reasonable Expenses; and

2. Additional Transportation Cost incurred by You to join the departed cruise or tour.

Coverage is secondary if reimbursable by any other source.

This benefit may not be combined with Trip Cancellation, Trip Interruption or Trip Delay benefits.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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32

RoundTrip Economy

$250 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

If You miss Your cruise or tour departure because Your arrival at Your Trip destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

a) Your Additional Transportation Cost to join Your Trip

b) reasonable accommodation and meal expenses up to $150 per day necessarily incurred by You for which You have proof of purchase and which were not paid for or provided by any other source.

Your delayed arrival must be due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

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33

RoundTrip Elite

$1,500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

If You miss Your cruise or tour departure because Your arrival at Your Trip destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

a) Your Additional Transportation Cost to join Your Trip

b) reasonable accommodation and meal expenses up to $150 per day necessarily incurred by You for which You have proof of purchase and which were not paid for or provided by any other source.

Your delayed arrival must be due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

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34

RoundTrip Basic

$500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED TOUR OR CRUISE CONNECTION

If You miss Your tour or cruise departure because Your arrival at Your Trip destination is delayed for at least 3 consecutive hours, due to:

1. any delay, cancellation or mechanical breakdown of regularly scheduled Common Carrier must be documented by the Common Carrier;
2. Inclement Weather that is documented;
3. Quarantine, hijacking, Strike, Natural Disaster, terrorism or Civil Disorder or Riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1. Reasonable Expenses; and
2. Additional Transportation Cost incurred by You to join the departed cruise or tour.

Coverage is secondary if reimbursable by any other source.

This benefit may not be combined with Trip Cancellation, Trip Interruption or Trip Delay benefits.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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Tin Leg
Tin Leg
Policy Name and Summary of Coverage
35

Luxury

$100 per person
Covered after 3 hour delay

MISSED CONNECTION

If, while on a Trip, You miss a Trip departure resulting from cancellation or delay of at least 3 consecutive hours of all Your regularly scheduled airline flights due to Inclement Weather or Common Carrier caused delay, the Company will reimburse You up to the Maximum Limit shown in the Schedule for:

a) additional transportation expenses incurred by the Insured to join the departed Trip; and

b) pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

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36

Adventure

$500 per person
Covered after 3 hour delay

MISSED CONNECTION

If, while on a Trip, You miss a Trip departure resulting from cancellation or delay of at least 3 consecutive hours of all Your regularly scheduled airline flights due to Inclement Weather or Common Carrier caused delay, the Company will reimburse You up to the Maximum Limit shown in the Schedule for:

a) additional transportation expenses incurred by the Insured to join the departed Trip; and

b) pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

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37

Gold

$500 per person
Covered after 3 hour delay

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip;

b) reasonable accommodations and meal expenses; and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

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38

Basic

$250 per person
Covered after 12 hour delay

MISSED CONNECTION

We will reimburse you, up to the maximum amount shown in the schedule of benefitsif, while on a covered trip, you miss a trip departure resulting from delay of at least 12 consecutive hours of your scheduled airline flights due to inclement weather or common carrier caused delay, for:

a. Additional transportation expenses incurred by you to join the departed trip;
b. Reasonable accommodation and meal expenses incurred, which were not paid or provided for by any other source, up to the per day amount shown in the schedule of benefits; and
c. Pre-paid, non-refundable trip payments for the unused portion of the trip.

The common carriermust certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

These benefits will not duplicate any other benefit payments payable under this policy or any coverage attached to this policy.

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39

Platinum

$250 per person
Covered after 6 hour delay

MISSED CONNECTION

We will reimburse you, up to the maximum amount shown in the schedule of benefits if, while on a covered trip, you miss a trip departure resulting from delay of at least 6 consecutive hours of your scheduled airline flights due to inclement weather or common carrier caused delay, for:

a. Additional transportation expenses incurred by you to join the departed trip;

b. Reasonable accommodation and meal expenses incurred, which were not paid or provided for by any other source, up to the per day amount shown in the schedule of benefits; and

c. Pre-paid, non-refundable trip payments for the unused portion of the trip.

The common carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

These benefits will not duplicate any other benefit payments payable under this policy or any coverage attached to this policy.

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Travel Insured International
Travel Insured International
Policy Name and Summary of Coverage
40

Worldwide Trip Protector Plus

$500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

If You miss Your cruise or tour departure because Your arrival at Your Trip destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, for:

a) Your Additional Transportation Cost to join Your Trip; and

b) Your Prepaid expenses for the unused land or water Travel Arrangements ; and

c) reasonable accommodation, telephone and meal expenses up to $200 per day necessarily incurred by You for which You have proof of purchase and which were not paid for or provided by any other source.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

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41

Worldwide Trip Protector

$500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED TOUR OR CRUISE CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for at least 3 consecutive hours, due to:

1. any delay, cancellation or mechanical breakdown of regularly scheduled Common Carrier must be documented by the Common Carrier;
2. Inclement Weather that is documented;
3. Quarantine, hijacking, Strike, Natural Disaster, terrorism or Civil Disorder or Riot;

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1. Reasonable Additional Expenses; and
2. Additional Transportation Cost incurred by You to join the departed Trip; and
3. unused, forfeited, prepaid non-refundable Payments or Deposits paid for the land or water Travel Arrangements You purchased for Your Trip.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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Travelex Insurance Services
Travelex Insurance Services
Policy Name and Summary of Coverage
42

Travel Basic

$500 per person
Covered after 3 hour delay

If, while on a Trip, You miss a Trip departure resulting from cancellation or delay of at least 3 consecutive hours of all Your regularly scheduled airline flights due to Inclement Weather or Common Carrier caused delay, the Company will reimburse You up to the Maximum Limit shown in the Schedule for:

a) additional transportation expenses incurred by the Insured to join the departed Trip; and

b) pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

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43

Travel Select

$750 per person
Covered after 3 hour delay

MISSED CONNECTION

If, while on a Trip, You miss a Trip departure resulting from cancellation or delay of at least 3 consecutive hours of all Your regularly scheduled airline flights due to Inclement Weather or Common Carrier caused delay, the Company will reimburse You up to the Maximum Limit shown in the Schedule for:

a) additional transportation expenses incurred by the Insured to join the departed Trip; and

b) pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

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TravelSafe
TravelSafe
Policy Name and Summary of Coverage
44

Basic

$500 per person
Covered after 3 hour delay

MISSED TRIP CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for at least 3 consecutive hours, due to:

1. any delay, cancellation or mechanical breakdown of regularly scheduled Common Carrier;
2. Inclement Weather that is documented;
3. Quarantine, hijacking, Strike, Natural Disaster, terrorism or Civil Disorder or Riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1. Additional Transportation Cost incurred by You to join the departed Trip; and
2. unused, forfeited, prepaid non-refundable Payments or Deposits paid for the land or water Travel Arrangements You purchased for Your Trip.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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45

Classic

$2,500 per person
Covered after 3 hour delay

MISSED TRIP CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for at least 3 consecutive hours, due to:

1. any delay, cancellation or mechanical breakdown of regularly scheduled Common Carrier;
2. Inclement Weather that is documented;
3. Quarantine, hijacking, Strike, Natural Disaster, terrorism or Civil Disorder or Riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1. Additional Transportation Cost incurred by You to join the departed Trip; and
2. unused, forfeited, prepaid non-refundable Payments or Deposits paid for the land or water Travel Arrangements You purchased for Your Trip.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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46

Classic Plus

$2,500 per person
Covered after 3 hour delay

MISSED CONNECTION

If You miss Your trip departure because Your arrival at Your Trip destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, for:

a) Your Additional Transportation Cost to join Your Trip; and

b) Your Prepaid expenses for the unused land or water Travel Arrangements;

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

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Trawick International
Trawick International
Policy Name and Summary of Coverage
47

Safe Travels Single Trip

$500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and twelve (12) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;
b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;
c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

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48

Safe Travels First Class

$1,000 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and twelve (12) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:
a) additional transportation expenses needed for You to join Your departed Cruise or tour;
b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;
c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

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49

Safe Travels Explorer

$500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and twelve (12) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;
b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;
c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

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50

Safe Travels Journey

$750 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and six (6) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;
b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;
c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

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51

Safe Travels Voyager

$1,000 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and six (6) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;

b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;

c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

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52

Safe Travels Explorer Plus

$500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and six (6) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;

b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;

c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

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

Ruby

$750 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip,

b) reasonable accommodations and meal expenses, and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

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54

Diamond

$1,500 per person
Covered after 3 hour delay
Cruise and tour only

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip,

b) reasonable accommodations and meal expenses, and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

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