What is Sports Fees travel insurance?

Sports Fees can reimburse a traveler’s prepaid and non-refundable payments that are specific to sports and activities.

They can include reimbursement for the cost of lift tickets, greens fees, or lessons, in the event an activity is missed due to a reason covered by the policy. In order for coverage to be available, travelers must have their receipt showing proof of their plans.

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

Search & Compare Travel Insurance Policies
All policies provide worldwide coverage unless stated prior to purchase.
Step 1 of 3

Sports Fees by Provider

Last Updated: 09/20/2022
AXA Assistance USA AXA Assistance USA
Policy Name and Summary of Coverage
1

Silver

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Read Hide Full Policy Wording
2

Gold

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

24. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Read Hide Full Policy Wording
3

Platinum

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Lost Golf Rounds, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

24. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Lost Skier Days:

1. Season Passes;

2. Multiple Ski mountains if one of the mountains does not meet the specifications stated in the Lost Skier Days benefit .

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Read Hide Full Policy Wording
battleface battleface
Policy Name and Summary of Coverage
4

Travel Medical Single Trip

Included in Trip Cancellation

Included in Cancellation coverage. Please note the following sports related exclusions under the policy:

In addition to any applicable benefit-specific exclusions, the following exclusions apply to all losses and all benefits. Unless otherwise shown below, these exclusions apply to you, your traveling companion, family member host at destination, business partner, pet and service animal. This policy does not cover any loss for, caused by or resulting from:

c. Operating or working as a crew member (including as a trainee or learner/student) aboard any aircraft or commercial vehicle or commercial watercraft;

h. The following activities are excluded:

1. Participation in professional athletic events, ; motor sport, or motor racing, including training or practice for the same; sky diving, parachuting, hang gliding, bungee cord jumping, heliskiing, spelunking; extreme water skiing, snow skiing, jet skiing, snowboarding, skate boarding, BMX, white water rafting sports, hunting/shooting, parkour;
2. Mountain climbing that requires the use of equipment such as pick-axes; anchors; bolts; crampons; carabineers; and lead or top-rope anchoring or other specialized equipment;
3. Operating or learning to operate any aircraft, as student, pilot, or crew;
4. Air travel on any air-supported device, other than a regularly scheduled airline or air charter company;
5. Participation in underwater activities scuba diving (if depth exceeds thirty (30) feet or more);

Emergency Evacuation and Repatriation of Remains Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Emergency Evacuation and Repatriation of Remains Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

e. Your participation in adventure activities, extreme activities, winter activities or dangerous activities, except as a spectator;

Accidental Death and Dismemberment Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Accidental Death and DismembermentBenefit.No benefits will be paid for any lossfor, caused by, or resulting from:

e. Your participation in adventure activities, winter activities or dangerous activities, except as a spectator;

Read Hide Full Policy Wording
5

Explorer

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

Emergency Evacuation and Repatriation of Remains Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Emergency Evacuation and Repatriation of Remains Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

e. Your participation in extreme activities or dangerous activities, except as a spectator.

Rental Vehicle Damage Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Rental Vehicle Damage coverage. Unless otherwise specified below, these exclusions apply to you, your traveling companion, and family member. This benefit will not cover any loss for, caused by, or resulting from:

f. Participation in contests of speed, motor sport or motor racing including training or practice for the same;

In addition to any applicable benefit-specific exclusions, the following exclusions apply to all losses and all benefits. Unless otherwise shown below, these exclusions apply to you, your traveling companion, family member, host at destination, business partner, pet and service animal. This policy does not cover any loss for, caused by or resulting from:

c. Operating or working as a crew member (including as a trainee or learner/student) aboard any aircraft or commercial vehicle or commercial watercraft;

h. The following activities are excluded unless the Adventure Sports Coverage has been elected and consideration of premium has been paid:

1. Participation in professional athletic events, motor sport, or motor racing, including training or practice for the same;

2. Sky diving, parachuting, hang gliding, bungee cord jumping, heliskiing, spelunking; white water rafting sports, hunting/shooting (does not apply if Adventure Sports Coverage is purchased);

3. Mountain climbing over four thousand five hundred (4,500) meters that requires the use of equipment such as pick-axes; anchors; bolts; crampons; carabineers; and lead or top-rope anchoring or other specialized equipment; (does not apply if Adventure Sports Coverage is purchased;)

4. Operating or learning to operate any aircraft, as student, pilot, or crew;

5. Air travel on any air-supported device, other than a regularly scheduled airline or air charter company;

6. Participation in underwater activities such as scuba diving (if depth exceeds thirty (30) feet or more); (does not apply if Adventure Sports Coverage is purchased);

Read Hide Full Policy Wording
6

Discovery Plan

Included in Trip Cancellation

Included in Trip Cancellation coverage. Please note the following sports related exclusions under the policy:

In addition to any applicable benefit-specific exclusions, the following exclusions apply to all losses and all benefits. Unless otherwise shown below, these exclusions apply to you, your traveling companion, family member, host at destination, business partner, pet and service animal. This policy does not cover any loss for, caused by or resulting from:

c. Operating or working as a crew member (including as a trainee or learner/student) aboard any aircraft or commercial vehicle or commercial watercraft;

h. The following activities are excluded:

1. Participation in professional athletic events, motor sport, or motor racing, including training or practice for the same; sky diving, parachuting, hang gliding, bungee cord jumping, heliskiing, spelunking; parkour;

2. Mountain climbing over fifteen thousand (15,000) feet that requires the use of equipment such as pick-axes; anchors; bolts; crampons; carabineers; and lead or top-rope anchoring or other specialized equipment;

3. Operating or learning to operate any aircraft, as student, pilot, or crew;

4. Air travel on any air-supported device, other than a regularly scheduled airline or air charter company;

5. Participation in underwater activities such as scuba diving (if depth exceeds forty (40) meters or one hundred thirty-one (131) feet or more);

Emergency Evacuation and Repatriation of Remains Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Emergency Evacuation and Repatriation of Remains Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

e. Your participation in extreme activities or dangerous activities, except as a spectator.

Read Hide Full Policy Wording
Berkshire Hathaway Travel Protection Berkshire Hathaway Travel Protection
Policy Name and Summary of Coverage
7

ExactCare

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motorsport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pick‐ axes, anchors, bolts, crampons, carabineers, and lead or top‐rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air‐supported device, other than a regularly scheduled airline or air charter;

Read Hide Full Policy Wording
8

ExactCare Value

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pickaxes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

Read Hide Full Policy Wording
9

LuxuryCare

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pickaxes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

This policy includes the following sports related benefits:

LICENSE FEE REFUND BENEFIT

License Fee Refund – License Cost

The Company will reimburse You for the prepaid non-refundable cost of Your hunting or fishing license or permits up to the Maximum Limit shown in the Schedule if the Insured is unable to travel due to one of the Unforeseen events shown in the Trip Cancellation Interruption Benefit.

TRIP CANCELLATION AND INTERRUPTION

Benefit will be provided for loss(es) incurred by You for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events:

Other

b) You are unable to participate in a scheduled hunting/fishing expedition due to a delay of the necessary personal sporting equipment by the Common Carrier;

c) the United States government or local government issues a hunting/fishing activity restriction after the effective date of coverage at the Destination, which prohibits the hunting/fishing activity for which the Insured has booked the Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting/fishing, or the hunting/fishing activity being declared illegal.

Read Hide Full Policy Wording
10

ExactCare Lite

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

Read Hide Full Policy Wording
Cat 70 Cat 70
Policy Name and Summary of Coverage
11

Travel Plan

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports, skydiving, mountaineering where ropes or guides are normally used, hang gliding, parachuting, any race by horse, motor vehicle or motorcycle, bungee cord jumping, scuba diving, spelunking, caving or rock climbing;

8. Serving as a contractor for the military, participation in any military maneuver or training exercise, police service or military service;

9. Participation as a professional athlete, participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

Read Hide Full Policy Wording
GoReady Insurance GoReady Insurance
Policy Name and Summary of Coverage
12

Trip Cancellation Plan

Included in Trip Cancellation

Included in Trip Cancellation coverage. Please note the following sports related exclusions under the policy:

1. We will not pay for any loss under this Policy, caused by, or resulting from:

e. your or your Traveling Companion participation as a professional in athletics;

f. your or your Traveling Companion’s participation in organized amateur and interscholastic athletic or sports competition or events;

g. you or your Traveling Companion riding or driving in any motor competition;

h. you or your Traveling Companion operating or learning to operate any aircraft, as pilot or crew;

i. you or your Traveling Companion mountain climbing, bungee cord jumping, skydiving, parachuting, hang gliding, parasailing, caving, extreme skiing, heli-skiing, skiing outside marked trails, boxing, full contact martial arts, scuba diving below 120 feet (40 meters) or without a dive master, or travel on any air-supported device, other than on a regularly scheduled airline or air charter company;
Read Hide Full Policy Wording
13

Choice

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

1. We will not pay for any loss under this Policy, caused by, or resulting from:

e. your or your Traveling Companion’s participation as a professional in athletics;

f. your or your Traveling Companion’s participation in organized amateur and interscholastic athletic or sports competition or events;

g. you or your Traveling Companion riding or driving in any motor competition;

h. you or your Traveling Companion operating or learning to operate any aircraft, as pilot or crew;

i. you or your Traveling Companion mountain climbing, bungee cord jumping, skydiving, parachuting, hang gliding, parasailing, caving. extreme skiing, heli-skiing, skiing outside marked trails, boxing, full contact martial arts, scuba diving below 120 feet (40 meters) or without a dive master, or travel on any airsupported device, other than on a regularly scheduled airline or air charter company;
Read Hide Full Policy Wording
14

Choice

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

1. We will not pay for any loss under this Policy, caused by, or resulting from:

e. your or your Traveling Companion’s participation as a professional in athletics;

f. your or your Traveling Companion’s participation in organized amateur and interscholastic athletic or sports competition or events;

g. you or your Traveling Companion riding or driving in any motor competition;

h. you or your Traveling Companion operating or learning to operate any aircraft, as pilot or crew;

i. you or your Traveling Companion mountain climbing, bungee cord jumping, skydiving, parachuting, hang gliding, parasailing, caving. extreme skiing, heli‐skiing, skiing outside marked trails, boxing, full contact martial arts, scuba diving below 120 feet (40 meters) or without a dive master, or travel on any air‐supported device, other than on a regularly scheduled airline or air charter company;
Read Hide Full Policy Wording
15

Annual Plan

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

1. We will not pay for any loss under this Policy, caused by, or resulting from:

e. your or your Traveling Companion’s participation as a professional in athletics;

f. your or your Traveling Companion’s participation in organized amateur and interscholastic athletic or sports competition or events;

g. you or your Traveling Companion riding or driving in any motor competition;

h. you or your Traveling Companion operating or learning to operate any aircraft, as pilot or crew;

i. you or your Traveling Companion mountain climbing, bungee cord jumping, skydiving, parachuting, hang gliding, parasailing, caving. extreme skiing, heli‐skiing, skiing outside marked trails, boxing, full contact martial arts, scuba diving below 120 feet (40 meters) or without a dive master, or travel on any air‐supported device, other than on a regularly scheduled airline or air charter company;
Read Hide Full Policy Wording
16

Pandemic Plus

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports, skydiving, mountaineering where ropes or guides are normally used, hang gliding, parachuting, any race by horse, motor vehicle or motorcycle, bungee cord jumping, scuba diving, spelunking, caving or rock climbing;

9. Participation as a professional athlete, participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

Read Hide Full Policy Wording
HTH Travel Insurance HTH Travel Insurance
Policy Name and Summary of Coverage
17

TravelGap Voyager excl US

No coverage

There is no Sports Fees coverage with this plan.

18

TripProtector Preferred

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Pet Medical Expense, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

24. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Read Hide Full Policy Wording
19

TravelGap Excursion excl US

No coverage

There is no Sports Fees coverage with this plan.

20

TripProtector Economy

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Adventure Sports, Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);\

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Adventure Sports, Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Read Hide Full Policy Wording
21

TripProtector Classic

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Adventure Sports, Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

24. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Adventure Sports, Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Read Hide Full Policy Wording
John Hancock Insurance Agency, Inc. John Hancock Insurance Agency, Inc.
Policy Name and Summary of Coverage
22

Bronze

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete, participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

In addition to the exclusions in the Policy, the following exclusions apply to Accidental Death and Dismemberment -Air Only coverage and Frequent Travel Loyalty coverage:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

Read Hide Full Policy Wording
23

Silver

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete, participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

In addition to the exclusions in the Policy, the following exclusions apply to Accidental Death and Dismemberment -Air Only coverage:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

Read Hide Full Policy Wording
24

Gold

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident
and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete, participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

In addition to the exclusions in the Policy, the following exclusions apply to Accidental Death and Dismemberment -Air Only and Frequent Travel Loyalty coverage:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

Read Hide Full Policy Wording
Nationwide Mutual Insurance Company Nationwide Mutual Insurance Company
Policy Name and Summary of Coverage
25

Essential

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Optional Accidental Death & Dismemberment, Optional Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Read Hide Full Policy Wording
26

Prime

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Itinerary Change – Pre-Paid Excursion, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Optional Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Read Hide Full Policy Wording
27

Cruise Universal

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Itinerary Change – Pre-Paid Excursion, Trip Delay, Missed Connection, Inconvenience to You, Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

5. piloting or learning to pilot or acting as a member of the crew of any aircraft;

7. participation as an athlete in professional sports;

10. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

24. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Read Hide Full Policy Wording
28

Cruise Choice

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Itinerary Change – Pre-Paid Excursion, Trip Delay, Missed Connection, Inconvenience to You, Accidental Death & Dismemberment, Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Read Hide Full Policy Wording
29

Cruise Luxury

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Itinerary Change – Pre-Paid Excursion, Trip Delay, Missed Connection, Inconvenience to You, Accidental Death & Dismemberment, Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Read Hide Full Policy Wording
Seven Corners Seven Corners
Policy Name and Summary of Coverage
30

RoundTrip Choice

Included in Cancellation & Interruption

Included in Cancellation coverage. Please note the following sports related exclusions under the policy:

EXCLUSIONS AND LIMITATIONS

The following exclusions apply to the Medical and Dental Expense benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

15. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

16. diving if You are not certified to dive and a dive master is not present during the dive;

17. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

9. air travel on a privately owned aircraft (whether as a pilot or a passenger);

10. piloting or learning to pilot or acting as a member of the crew of any aircraft;

Read Hide Full Policy Wording
31

RoundTrip Economy

Included in Trip Cancellation

Included in Cancellation coverage. Please note the following sports related exclusions under the policy:

Benefits are not payable for any loss due to, arising or resulting from:

4. riding or driving in races, or speed or endurance competitions or events;

5. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);

6. participating as a member of a team in an organized sporting competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in skydiving or parachuting, parasailing, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heliskiing, mountaineering, any race, speed contests not including any of the regatta races, spelunking or caving, hot air ballooning, or scuba diving if the depth exceeds 120 feet (40 meters) or if You are not certified to dive and a dive master is not present during the dive;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

Read Hide Full Policy Wording
32

RoundTrip Elite

Included in Trip Cancellation

Included in Cancellation coverage. Please note the following sports related exclusions under the policy:

Benefits are not payable for any loss due to, arising or resulting from:

4. riding or driving in races, or speed or endurance competitions or events;

5. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);

6. participating as a member of a team in an organized sporting competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in skydiving or parachuting, parasailing, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heliskiing mountaineering, any race, speed contests not including any of the regatta races, spelunking or caving, hot air ballooning, or scuba diving if the depth exceeds 120 feet (40 meters) or if You are not certified to dive and a dive master is not present during the dive;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

Read Hide Full Policy Wording
33

RoundTrip Basic

Included in Cancellation & Interruption

Included in Cancellation coverage. Please note the following sports related exclusions under the policy:

EXCLUSIONS AND LIMITATIONS

The following exclusions apply to the Medical and Dental Expense benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

15. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

16. diving if You are not certified to dive and a dive master is not present during the dive;

17. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

9. air travel on a privately owned aircraft (whether as a pilot or a passenger);

10. piloting or learning to pilot or acting as a member of the crew of any aircraft;

Read Hide Full Policy Wording
Tin Leg Tin Leg
Policy Name and Summary of Coverage
34

Economy

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

Read Hide Full Policy Wording
35

Standard

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

Read Hide Full Policy Wording
36

Luxury

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pick- axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

Read Hide Full Policy Wording
37

Adventure

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. This policy includes the following sports related benefits:

LICENSE FEE REFUND BENEFIT

The Company will reimburse You for the prepaid non-refundable cost of Your hunting or fishing license or permits up to the Maximum Limit shown in the Schedule if the Insured is unable to travel due to one of the Unforeseen events shown in the Trip Cancellation Interruption Benefit.

TRIP CANCELLATION AND INTERRUPTION

Benefit will be provided for loss(es) incurred by You for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events:

Other

b) You are unable to participate in a scheduled hunting/fishing expedition due to a delay of the necessary personal sporting equipment by the Common Carrier;

c) the United States government or local government issues a hunting/fishing activity restriction after the effective date of coverage at the Destination, which prohibits the hunting/fishing activity for which the Insured has booked the Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting/fishing, or the hunting/fishing activity being declared illegal.

Read Hide Full Policy Wording
38

Gold

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

8. Serving as a contractor for the military, participation in any military maneuver or training exercise, police service or military service;

9. Participation as a professional athlete, participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

Read Hide Full Policy Wording
39

Basic

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

In addition to any applicable benefit-specific exclusions, the following exclusions apply to all losses and all benefits. Unless otherwise shown below, these exclusions apply to you, your traveling companion and family member. This policy does not cover any loss for, caused by or resulting from:

c. Operating or working as a crew member (including as a trainee or learner/student) aboard any aircraft or commercial vehicle or commercial watercraft;

h. The following activities are excluded:

1. Participation in professional athletic events, motor sport, or motor racing, including training or practice for the same; sky diving, parachuting, hang gliding, bungee cord jumping, heliskiing, spelunking; extreme water skiing, snow skiing, jet skiing, snowboarding, skate boarding, BMX, white water rafting sports, hunting/shooting, parkour;

2. Mountain climbing that requires the use of equipment such as pick-axes; anchors; bolts; crampons; carabineers; and lead or top-rope anchoring or other specialized equipment;

3. Operating or learning to operate any aircraft, as student, pilot, or crew;

4. Air travel on any air-supported device, other than a regularly scheduled airline or air charter company;

5. Participation in underwater such as activities scuba diving (if depth exceeds thirty (30) feet or more);

Accidental Death and Dismemberment – Common Carrier (Air Only) Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Accidental Death and Dismemberment – Common Carrier (Air Only) Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

e. Your participation in adventure activities, winter activities or dangerous activities, except as a spectator;

Emergency Evacuation and Repatriation of Remains Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Emergency Evacuation and Repatriation of Remains Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

e. Your participation in adventure activities, extreme activities, winter activities or dangerous activities, except as a spectator;

Read Hide Full Policy Wording
40

Platinum

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

In addition to any applicable benefit-specific exclusions, the following exclusions apply to all losses and all benefits. Unless otherwise shown below, these exclusions apply to you, your traveling companion, family member and host at destination. This policy does not cover any loss for, caused by or resulting from:

c. Operating or working as a crew member (including as a trainee or learner/student) aboard any aircraft or commercial vehicle or commercial watercraft;

h. The following activities are excluded:

1. Participation in professional athletic events, motor sport, or motor racing, including training or practice for the same; sky diving, parachuting, hang gliding, bungee cord jumping, heliskiing, spelunking; extreme water skiing, snow skiing, jet skiing, snowboarding, skate boarding, BMX, white water rafting sports, hunting/shooting, parkour;

2. Mountain climbing that requires the use of equipment such as pick-axes; anchors; bolts; crampons; carabineers; and lead or top-rope anchoring or other specialized equipment;

3. Operating or learning to operate any aircraft, as student, pilot, or crew;

4. Air travel on any air-supported device, other than a regularly scheduled airline or air charter company;

5. Participation in underwater activities scuba diving (if depth exceeds thirty (30) feet or more);

Emergency Evacuation and Repatriation of Remains Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Emergency Evacuation and Repatriation of Remains Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

e. Your participation in adventure activities, extreme activities, winter activities or dangerous activities, except as a spectator;

Accidental Death and Dismemberment – Common Carrier (Air Only) Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Accidental Death and Dismemberment – Common Carrier (Air Only) Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

e. Your participation in adventure activities, winter activities or dangerous activities, except as a spectator.

Read Hide Full Policy Wording
41

USA Only

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

Read Hide Full Policy Wording
42

Silver

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

Coverages to which General Exclusions apply: In addition to any applicable benefit-specific exclusions, the following exclusions apply to all Losses and all benefits. Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, and Immediate Family Member.

We will not pay for Loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

8. Your participation in Adventure Activities, Winter Activities or dangerous activities, except as a spectator;

10. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

11. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

Read Hide Full Policy Wording
Travel Insured International Travel Insured International
Policy Name and Summary of Coverage
43

Worldwide Trip Protector Plus

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

Benefits are not payable for any loss due to, arising or resulting from:

4. riding or driving in races, or speed or endurance competitions or events;

5. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);

6. participating as a member of a team in an organized sporting competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in bodily contact sports, skydiving or parachuting except parasailing, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heli-skiing, spelunking or caving, or scuba diving if the depth exceeds 120 feet (40 meters) or if You are not certified to dive and a dive master is not present during the dive;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

This policy includes the following sports related benefits:

COVERAGE G
ITINERARY CHANGE

In the event Your Travel Supplier makes a change in Your Trip itinerary after Your Scheduled Departure Date, which prevents You from participating in an event/activity Prepaid prior to departure and scheduled on Your Trip itinerary, non-refundable Prepaid event/activity expenses will be payable up to the Maximum Benefit Amount shown in the Confirmation of Benefits.

Benefits will not be paid if a comparable event/activity of equivalent cost is rescheduled during the course of Your Trip.

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

Read Hide Full Policy Wording
44

Worldwide Trip Protector

No coverage

There is no Sports Fees coverage with this plan.

Travelex Insurance Services Travelex Insurance Services
Policy Name and Summary of Coverage
45

Travel Basic

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

GENERAL EXCLUSIONS

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pickaxes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

Read Hide Full Policy Wording
46

Travel Select

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

This plan does not cover any loss caused by or resulting from:

1) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

2) mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

3) operating or learning to operate any aircraft, as student, pilot, or crew;

4) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

This policy includes the following sports related benefits:

LICENSE FEE REFUND BENEFIT

License Fee Refund – License Cost

The Company will reimburse You for the prepaid non-refundable cost of Your hunting or fishing license or permits up to the Maximum Limit shown in the Schedule if the Insured is unable to travel due to one of the Unforeseen events shown in the Trip Cancellation Interruption Benefit.

TRIP CANCELLATION AND INTERRUPTION

Benefit will be provided for loss(es) incurred by You for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events:

Other

b) You are unable to participate in a scheduled hunting/fishing expedition due to a delay of the necessary personal sporting equipment by the Common Carrier;

c) the United States government or local government issues a hunting/fishing activity restriction after the effective date of coverage at the Destination, which prohibits the hunting/fishing activity for which the Insured has booked the Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting/fishing, or the hunting/fishing activity being declared illegal.

Read Hide Full Policy Wording
Trawick International Trawick International
Policy Name and Summary of Coverage
47

Safe Travels Single Trip

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier, Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Read Hide Full Policy Wording
48

Safe Travels First Class

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier, Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Read Hide Full Policy Wording
49

Safe Travels Annual Executive

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage.

Please note the following sports related exclusions under the policy:

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Itinerary Change, Accidental Death & Dismemberment, Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as a professional in athletics;

9. participation in underwater activities (does not include recreational swimming);

12. participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races;) scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; or deep sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

23. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Read Hide Full Policy Wording
50

Safe Travels Annual Deluxe

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage.

Please note the following sports related exclusions under the policy:

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Itinerary Change, Accidental Death & Dismemberment, Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation and Repatriation of Remains:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as a professional in athletics;

9. participation in underwater activities (does not include recreational swimming);

12. participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races;) scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; or deep sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

23. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Read Hide Full Policy Wording
51

Safe Travels Annual Basic

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage.

Please note the following sports related exclusions under the policy:

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Accidental Death & Dismemberment, Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as a professional in athletics;

9. participation in underwater activities (does not include recreational swimming);

12. participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races;) scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; or deep sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;

23. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Read Hide Full Policy Wording
52

Safe Travels Explorer

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Adventure Sports, Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports, Extreme Sports or Adventure Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming)

Read Hide Full Policy Wording
53

Safe Travels Journey

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Optional Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Read Hide Full Policy Wording
54

Safe Travels Voyager

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Pet Medical Expense, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

24. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Read Hide Full Policy Wording
55

Safe Travels Explorer Plus

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Adventure Sports, Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports, Extreme Sports or Adventure Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Read Hide Full Policy Wording
USI Affinity Travel Insurance Services USI Affinity Travel Insurance Services
Policy Name and Summary of Coverage
56

Ruby

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

Read Hide Full Policy Wording
57

Diamond

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

Coverages to which General Exclusions apply: The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Accidental Death and Dismemberment – Air Only, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation, Renters Collision and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

Read Hide Full Policy Wording
WorldTrips WorldTrips
Policy Name and Summary of Coverage
58

Atlas Journey Economy

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. This policy includes the following sports related benefits:

Trip Cancellation

If You cancel Your Trip prior to departure due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the amount of unused, non-refundable, Pre-paid Payments or Deposits for the Travel Arrangements You purchased for Your Trip.

We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the additional single supplement cost You must pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is cancelled for one of the covered Unforeseen reasons listed below and You do not cancel Your Trip.

If You cancel due to a covered Unforeseen reason, and You used frequent traveler awards, such as frequent flier miles or hotel rewards, for any part of Your Trip, We will reimburse You for the fees You pay up to the Maximum Benefit Amount listed in the Schedule of Benefits to re-deposit those miles or rewards in Your account.

If You cancel or reschedule Your Trip due to a covered Unforeseen reason, We will reimburse You up to the sub-limit listed in the Schedule of Benefits for the reissue fee paid to the airline to change Your tickets.

Payable benefit amounts are reduced by any refunds or reimbursements to which You are entitled from any Travel Supplier, whether You requested reimbursement or not. In no event shall the amount reimbursed under this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Travel Arrangements or the
Maximum Benefit Amount shown in the Schedule of Benefits.

Cancellation must be due to one of the following Unforeseen reasons that occurs after the purchase of this Policy and while this coverage is in effect for You:

x. being unable to participate in Diving, skiing, a competition, a performance, an activity or volunteer or mission program during the scheduled travel dates due to Sickness or Injury that occurred after this coverage is in effect, required the in-person Medical Treatment by a Physician, and in the written opinion of Physician, would prevent participation in such activities. The Diving, skiing, competition, performance, activity or program must be the sole or primary purpose for Your Trip.

Trip Interruption

If You must start Your Trip later than scheduled or are unable to complete Your Trip due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the following:

1. unused, Pre-paid, nonrefundable Payments or Deposits You paid for Your Travel Arrangements insured under this Policy, and any fees imposed in accordance with The Jones Act;

2. plus one of the following transportation expenses:

a. the Additional Transportation Cost to reach Your scheduled destination if Your departure is delayed and You leave on Your Trip after Your Scheduled Departure Date and time;

b. the Additional Transportation Cost for You to reach the Scheduled Return Destination of Your Trip; or

c. the Additional Transportation Cost for You to rejoin Your Trip in progress from the point where You interrupted Your Trip.

We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the additional single supplement cost You pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is interrupted for one of the covered Unforeseen reasons listed below and You do not interrupt Your Trip.

We will also reimburse You up to the sub-limit listed in the Schedule of Benefits for reasonable and necessary paid costs to drive or transport Your Covered Vehicle to Your Home if you meet all of the following.

1. You are using Your Covered Vehicle on the Trip.

2. the Covered Vehicle is with You at the place where the Trip is interrupted.

3. the place where the Trip is interrupted is one hundred (100) miles or more away from Your Home.

4. You are medically unable to drive Your Covered Vehicle Home due to a covered Sickness, Injury or death.

In no event shall the amount reimbursed for this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

Trip Interruption must be due to one of the following Unforeseen reasons that occurs while this coverage is in effect for You:

t. becoming unable to participate in Diving, skiing, a sporting competition, a performance, an activity or volunteer or mission program due to Sickness or Injury that occurs on the Trip, requires the in person Medical Treatment of a Physician, and in the written opinion of that Physician, prevents continued participation in such activities.

Please note the following sports related exclusions under the policy:

Benefits are not payable for any loss due to, arising or resulting from:

5. riding or driving in races, or speed or endurance competitions or events;

6. participating as a member of a team in an Organized Sports competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in Adventure Sports, Bodily Contact Sports, Extreme Sports, Organized Sports, any race or speed contests;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

Read Hide Full Policy Wording
59

Atlas Journey Preferred

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. This policy includes the following sports related benefits:

Trip Cancellation

If You cancel Your Trip prior to departure due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the amount of unused, non-refundable, Pre-paid Payments or Deposits for the Travel Arrangements You purchased for Your Trip.

We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the additional single supplement cost You must pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is cancelled for one of the covered Unforeseen reasons listed below and You do not cancel Your Trip.

If You cancel due to a covered Unforeseen reason, and You used frequent traveler awards, such as frequent flier miles or hotel rewards, for any part of Your Trip, We will reimburse You for the fees You pay up to the Maximum Benefit Amount listed in the Schedule of Benefits to re-deposit those miles or rewards in Your account.

If You cancel or reschedule Your Trip due to a covered Unforeseen reason, We will reimburse You up to the sub-limit listed in the Schedule of Benefits for the reissue fee paid to the airline to change Your tickets.

Payable benefit amounts are reduced by any refunds or reimbursements to which You are entitled from any Travel Supplier, whether You requested reimbursement or not. In no event shall the amount reimbursed under this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Travel Arrangements or the Maximum Benefit Amount shown in the Schedule of Benefits.

Cancellation must be due to one of the following Unforeseen reasons that occurs after the purchase of this Policy and while this coverage is in effect for You:

jj. being unable to participate in Diving, skiing, a competition, a performance, an activity or volunteer or mission program during the scheduled travel dates due to Sickness or Injury that occurred after this coverage is in effect, required the in-person Medical Treatment by a Physician, and in the written opinion of Physician, would prevent participation in such activities. The Diving, skiing, competition, performance, activity or program must be the sole or primary purpose for Your Trip.

Trip Interruption

If You must start Your Trip later than scheduled or are unable to complete Your Trip due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the following:

1. unused, Pre-paid, nonrefundable Payments or Deposits You paid for Your Travel Arrangements insured under this Policy, and any fees imposed in accordance with The Jones Act;

2. plus one of the following transportation expenses:

a. the Additional Transportation Cost to reach Your scheduled destination if Your departure is delayed and You leave on Your Trip after Your Scheduled Departure Date and time;

b. the Additional Transportation Cost for You to reach the Scheduled Return Destination of Your Trip; or

c. the Additional Transportation Cost for You to rejoin Your Trip in progress from the point where You interrupted Your Trip.

We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the additional single supplement cost You pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is interrupted for one of the covered Unforeseen reasons listed below and You do not interrupt Your Trip.

We will also reimburse You up to the sub-limit listed in the Schedule of Benefits for reasonable and necessary paid costs to drive or transport Your Covered Vehicle to Your Home if you meet all of the following.

1. You are using Your Covered Vehicle on the Trip.

2. the Covered Vehicle is with You at the place where the Trip is interrupted.

3. the place where the Trip is interrupted is one hundred (100) miles or more away from Your Home.

4. You are medically unable to drive Your Covered Vehicle Home due to a covered Sickness, Injury or death.

In no event shall the amount reimbursed for this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

Trip Interruption must be due to one of the following Unforeseen reasons that occurs while this coverage is in effect for You:

ff. becoming unable to participate in Diving, skiing, a sporting competition, a performance, an activity or volunteer or mission program due to Sickness or Injury that occurs on the Trip, requires the in person Medical Treatment of a Physician, and in the written opinion of that Physician, prevents continued participation in such activities.

Please note the following sports related exclusions under the policy:

Benefits are not payable for any loss due to, arising or resulting from:

5. riding or driving in races, or speed or endurance competitions or events;

6. participating as a member of a team in an Organized Sports competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in Adventure Sports, Bodily Contact Sports, Extreme Sports, Organized Sports, any race or speed contests;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

Read Hide Full Policy Wording
60

Atlas Journey Premier

Included in Cancellation & Interruption

Included in Cancellation and Interruption coverage. This policy includes the following sports related benefits:

Trip Cancellation

If You cancel Your Trip prior to departure due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the amount of unused, non-refundable, Pre-paid Payments or Deposits for the Travel Arrangements You purchased for Your Trip.

We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the additional single supplement cost You must pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is cancelled for one of the covered Unforeseen reasons listed below and You do not cancel Your Trip.

If You cancel due to a covered Unforeseen reason, and You used frequent traveler awards, such as frequent flier miles or hotel rewards, for any part of Your Trip, We will reimburse You for the fees You pay up to the Maximum Benefit Amount listed in the Schedule of Benefits to re-deposit those miles or rewards in Your account.

If You cancel or reschedule Your Trip due to a covered Unforeseen reason, We will reimburse You up to the sub-limit listed in the Schedule of Benefits for the reissue fee paid to the airline to change Your tickets.

Payable benefit amounts are reduced by any refunds or reimbursements to which You are entitled from any Travel Supplier, whether You requested reimbursement or not. In no event shall the amount reimbursed under this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Travel Arrangements or the Maximum Benefit Amount shown in the Schedule of Benefits.

Cancellation must be due to one of the following Unforeseen reasons that occurs after the purchase of this Policy and while this coverage is in effect for You:

oo. being unable to participate in Diving, skiing, a competition, a performance, an activity or volunteer or mission program during the scheduled travel dates due to Sickness or Injury that occurred after this coverage is in effect, required the in-person Medical Treatment by a Physician, and in the written opinion of Physician, would prevent participation in such activities. The Diving, skiing, competition, performance, activity or program must be the sole or primary purpose for Your Trip.

Trip Interruption

If You must start Your Trip later than scheduled or are unable to complete Your Trip due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the following:

1. unused, Pre-paid, nonrefundable Payments or Deposits You paid for Your Travel Arrangements insured under this Policy, and any fees imposed in accordance with The Jones Act;

2. plus one of the following transportation expenses:
a. the Additional Transportation Cost to reach Your scheduled destination if Your departure is delayed and You leave on Your Trip after Your Scheduled Departure Date and time;
b. the Additional Transportation Cost for You to reach the Scheduled Return Destination of Your Trip; or
c. the Additional Transportation Cost for You to rejoin Your Trip in progress from the point where You interrupted Your Trip.

We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the additional single supplement cost You pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is interrupted for one of the covered Unforeseen reasons listed below and You do not interrupt Your Trip.

We will also reimburse You up to the sub-limit listed in the Schedule of Benefits for reasonable and necessary paid costs to drive or transport Your Covered Vehicle to Your Home if you meet all of the following.

1. You are using Your Covered Vehicle on the Trip.
2. the Covered Vehicle is with You at the place where the Trip is interrupted.
3. the place where the Trip is interrupted is one hundred (100) miles or more away from Your Home.
4. You are medically unable to drive Your Covered Vehicle Home due to a covered Sickness, Injury or death.

In no event shall the amount reimbursed for this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

Trip Interruption must be due to one of the following Unforeseen reasons that occurs while this coverage is in effect for You:

ii. becoming unable to participate in Diving, skiing, a sporting competition, a performance, an activity or volunteer or mission program due to Sickness or Injury that occurs on the Trip, requires the in-person Medical Treatment of a Physician, and in the written opinion of that Physician, prevents continued participation in such activities.

Please note the following sports related exclusions under the policy:

Benefits are not payable for any loss due to, arising or resulting from:

5. riding or driving in races, or speed or endurance competitions or events;

6. participating as a member of a team in an Organized Sports competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in Adventure Sports, Bodily Contact Sports, Extreme Sports, Organized Sports, any race or speed contests;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

Read Hide Full Policy Wording