What is Travel Delay travel insurance?

Travel Delay reimburses the costs of meals and accommodations when a trip is unexpectedly delayed.

In addition to covering meals and hotels, many policies with the Travel Delay benefit can reimburse unused prepaid and non-refundable trip costs, and some can cover the additional costs a traveler incurs to catch up to their destination, or to return home.

To be eligible for reimbursement through the Travel Delay benefit, the policyholder must meet their policy’s minimum delay requirements. This typically involves being delayed anywhere from 3-12 hours before coverage kicks in, depending on the policy.

The most common covered reasons for flight delays are inclement weather or a mechanical breakdown of a common carrier. However, some policies cover any delay of a common carrier.

The Travel Delay benefit provides a total amount a traveler can be reimbursed for a delay, which can range anywhere from $100 to $5,000. This is broken down into daily dollar amounts that can be used for necessary expenses during the delay, which typically range from $100-$300.

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

What does Travel Delay insurance cover?

Travel Delay provides a layer of financial protection in the event a traveler is stuck at the airport and missing out on valuable vacation time. This includes coverage for the following:

  • Meals and Accommodations: Once a traveler meets their policy’s minimum delay period, flight delay insurance may then cover certain expenses incurred throughout the duration of their delay. This often includes meals and overnight accommodations if needed.
  • Unused Trip Costs: Policies with the Travel Delay benefit may also reimburse a policyholder for trip costs they missed out on due to a delay. This can include prepaid excursions, hotel stays, and tours.
  • Transportation Expenses: If a delay forces a traveler to incur additional airfare expenses to make it to their destination, the Travel Delay benefit may offer reimbursement. A policy’s Missed Connection benefit may also provide coverage in this case.

How long does a flight need to be delayed before I’m covered?

To be covered by Travel Delay, a traveler’s flight must be delayed a minimum number of hours. The most generous policies will have a minimum delay period of 3 hours, while the majority of policies will require the delay exceed 6 or 12 hours before coverage kicks in. If this requirement is not met, the policyholder will not be eligible for delay coverage.

The minimum delay length will vary by policy. A policy’s specific delay requirements can be found within the policy details.

How to claim flight delay insurance?

Roughly a quarter of all travel insurance claims are the result of significant flight delays. Travelers who have met their policy’s delay requirements and are eligible for Travel Delay coverage can file a claim directly with their travel insurance provider.

Those planning on filing a claim must have all relevant documentation, including the original flight itinerary, any communication with the airline, and any receipts showing their expenses during the delay. Most providers will also require a statement from the airline that confirms the delay.

Most providers will have an online form to file a claim, usually found on their website. Some providers may also handle Travel Delay claims over the phone, through email, or via a mobile app.

Looking for a policy with Travel Delay coverage?

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

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

Looking for a policy with Travel Delay coverage?

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

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Travel Delay by Provider

Last Updated: 05/17/2024
Aegis Aegis
Policy Name and Summary of Coverage
1

Go Ready Choice

$2,000 per person
$200 daily limit
Covered after 6 hour delay

3. TRAVEL DELAY BENEFIT

Subject to SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE, the Insured’s coverage under the Travel Delay Benefit will take effect on the Scheduled Date of Departure. If the Insured’s Covered Trip is delayed for six consecutive hours or more, We will reimburse the Insured a Travel Delay Benefit, for reasonable additional expenses incurred by the Insured for lodging arrangements, meals, telephone calls and local transportation while the Insured is delayed, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule. We will not reimburse benefits for expenses incurred after travel becomes possible to continue on the Insured’s Covered Trip.

In order for benefits to be reimbursable, any Travel Delay must be caused by or result from:

a. Common Carrier delay;

b. loss or theft of the Insured’s passport(s), travel documents or money;

c. Quarantine;

d. hijacking;

e. Natural Disaster;

f. Adverse Weather Conditions;

g. a documented traffic accident while the Insured is en route to his/her departure;

h. unannounced Strike; or

i. a civil disorder.

Additional Travel Delay Benefits:

The following benefit is not in addition to, and included within, the Travel Delay Benefit Maximum Covered Amount per Insured shown in the Schedule.

Pet Care Benefit

If the Insured is delayed in reaching his/her return Destination due to a Natural Disaster, Other Covered Event, or if the Insured is confined in a Hospital as a patient, We will reimburse the Insured a Pet Care Benefit, for the reasonable additional boarding fees at a licensed commercial kennel up to three days after the Scheduled Date of Return, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule.

Quarantine means the Insured is forced into medical isolation by a recognized government authority, their authorized deputies, or medical examiners due to the Insured either having, or being suspected of having, a contagious disease, infection or contamination while the Insured is traveling outside of his/her country of Primary Residence. An embargo preventing the Insured from entering a country is not a Quarantine.

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2

Go Ready Pandemic Plus

$1,000 per person
$200 daily limit
Covered after 6 hour delay

TRIP DELAY

We will pay Your additional expenses on a one-time basis, up to the maximum shown on the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for at least the number of hours shown on the Schedule of Benefits due to an Unforeseen Event For the Trip Cancellation and Trip Interruption benefits occurring on or after the Effective Date of the Policy.

Additional Expenses include:

a) any prepaid, unused, non-refundable land, air or water accommodations;

b) any reasonable additional expenses incurred (meals, accommodations, local transportation, and telephone calls);

c) an Economy Fare from the point where You interrupted Your Covered Trip to a destination where You can resume Your Covered Trip; or

d) a one-way Economy Fare to return You to Your originally scheduled return destination.

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Arch RoamRight Arch RoamRight
Policy Name and Summary of Coverage
3

Pro

$600 per person
$150 daily limit
Covered after 6 hour delay

TRIP DELAY

If You are delayed for 6 hours or more while en route to, during or returning from Your Trip due to a covered Travel Hazard, We will reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the expenses You incur for additional hotel nights, meals and local transportation while You are delayed.

For the purposes of this benefit:

“Travel Hazard” means delay caused by or resulting from:

a) any delay of Your Common Carrier;

b) a traffic accident in which You or Your Traveling Companion are directly involved while en route to departure (must be substantiated by a police report);

c) Your or Your Traveling Companion’s lost or stolen passports, travel documents or money (must be substantiated by a police report);

d) Quarantine, hijacking, Strike, Natural Disaster, Terrorist Incident or riot;

e) a Road Closure (substantiated by the department of transportation, state police, etc.) due to severe storms preventing You from getting to the point of departure for Your Trip;

f) Your Sickness or Injury or the Sickness, Injury or death of Your Traveling Companion, or Family Member traveling with You.

Trip Delay Benefits will not be paid for: 1) any expenses which have been reimbursed, or 2) for any services that have been provided, by a Common Carrier or travel services provider.

“Quarantine” and “Quarantined” means the enforced strict isolation and confinement of You or Your Traveling Companion at a single location, for medical reasons, pursuant to an order by an official government authority, a lawfully authorized deputy of such authority, or a licensed practicing Physician, which prevents any interaction with other persons for a specified period of time not exceeding the incubation period for a contagious disease to which You or Your Traveling Companion have been exposed. Governmental orders imposing Prohibited Access, social distancing, self-isolation that does not meet all of the requirements set forth above, shelter in place, or stay at home requirements or recommendations do not constitute a Quarantine.

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4

Pro Plus

$1,000 per person
$200 daily limit
Covered after 6 hour delay

TRIP DELAY

If You are delayed for 6 hours or more while en route to, during or returning from Your Trip due to a covered Travel Hazard, We will reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the expenses You incur for additional hotel nights, meals and local transportation while You are delayed.

For the purposes of this benefit:

“Travel Hazard” means delay caused by or resulting from:

a) any delay of Your Common Carrier;

b) a traffic accident in which You or Your Traveling Companion are directly involved while en route to departure (must be substantiated by a police report);

c) Your or Your Traveling Companion’s lost or stolen passports, travel documents or money (must be substantiated by a police report);

d) Quarantine, hijacking, Strike, Natural Disaster, Terrorist Incident or riot;

e) a Road Closure (substantiated by the department of transportation, state police, etc.) due to severe storms preventing You from getting to the point of departure for Your Trip;

f) Your Sickness or Injury or the Sickness, Injury or death of Your Traveling Companion, or Family Member traveling with You.

Trip Delay Benefits will not be paid for: 1) any expenses which have been reimbursed, or 2) for any services that have been provided, by a Common Carrier or travel services provider.

Optional Benefits

Trip Delay – Additional $1,000 ($200/day)

“Quarantine” and “Quarantined” means the enforced strict isolation and confinement of You or Your Traveling Companion at a single location, for medical reasons, pursuant to an order by an official government authority, a lawfully authorized deputy of such authority, or a licensed practicing Physician, which prevents any interaction with other persons for a specified period of time not exceeding the incubation period for a contagious disease to which You or Your Traveling Companion have been exposed. Governmental orders imposing Prohibited Access, social distancing, self-isolation that does not meet all of the requirements set forth above, shelter in place, or stay at home requirements or recommendations do not constitute a Quarantine.

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AXA Assistance USA AXA Assistance USA
Policy Name and Summary of Coverage
5

Silver

$500 per person
$100 daily limit
Covered after 12 hour delay

TRIP DELAY

The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for twelve (12) or more hours due to a defined Hazard.

Covered Trip Delay Expenses:

a) Any pre-paid, unused, non-refundable land and water accommodations;

b) Any Reasonable Expenses incurred;

c) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip;

d) A one-way Economy Fare to return You to Your originally scheduled return destination.

You or the Traveling Companion must provide the following documentation when presenting a claim for these benefits:

a) Written confirmation of the reasons for delay from the Common Carrier whose delay resulted in the Loss, including but not limited to, scheduled departure and return times and actual departure and return times.

Hazard means:

a) Any delay of a Common Carrier (including Inclement Weather);

b) Any delay by a traffic Accident en route to a departure, in which You or Your Traveling Companion is not directly involved;

c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot;

d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.).

Reasonable Expenses means any meal, lodging, local transportation and essential phone call expense that were necessarily incurred as the result of a covered event, and that were not provided free of charge or otherwise reimbursed by a Common Carrier, Travel Supplier or other party.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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6

Gold

$1,000 per person
$200 daily limit
Covered after 12 hour delay

TRIP DELAY

The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for twelve (12) or more hours due to a defined Hazard.

Covered Trip Delay Expenses:

a) Any pre-paid, unused, non-refundable land and water accommodations;
b) Any Reasonable Expenses incurred;
c) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip;
d) A one-way Economy Fare to return You to Your originally scheduled return destination.

You or the Traveling Companion must provide the following documentation when presenting a claim for these benefits:

a) Written confirmation of the reasons for delay from the Common Carrier whose delay resulted in the Loss, including but not limited to, scheduled departure and return times and actual departure and return times.

Hazard means:

a) Any delay of a Common Carrier (including Inclement Weather);
b) Any delay by a traffic Accident en route to a departure, in which You or Your Traveling Companion is not directly involved;
c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot;
d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.).

Reasonable Expenses means any meal, lodging, local transportation and essential phone call expense that were necessarily incurred as the result of a covered event, and that were not provided free of charge or otherwise reimbursed by a Common Carrier, Travel Supplier or other party.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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7

Platinum

$1,250 per person
$300 daily limit
Covered after 12 hour delay

TRIP DELAY

The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for twelve (12) or more hours due to a defined Hazard.

Covered Trip Delay Expenses:

a) Any pre-paid, unused, non-refundable land and water accommodations;

b) Any Reasonable Expenses incurred;

c) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip;

d) A one-way Economy Fare to return You to Your originally scheduled return destination.

If You or the Traveling Companion are delayed by a Common Carrier while en route toYour return destination after the Trip is completed and have placed Your cat or dog in a kennel for the duration of the Trip and You or the Traveling Companion are unable to collect them on the day previously agreed with the kennel, benefits will be paid up to the Maximum Benefit shown on the Schedule of Benefits to cover the necessary additional kennel fees.

You or the Traveling Companion must provide the following documentation when presenting a claim for these benefits:

a) Written confirmation of the reasons for delay from the Common Carrier whose delay resulted in the Loss, including but not limited to, scheduled departure and return times and actual departure and return times;

b) Written confirmation from the kennel advising the original pick-up date and the actual pick-up date.

Hazard means:

a) Any delay of a Common Carrier (including Inclement Weather);

b) Any delay by a traffic Accident en route toa departure, in which You or Your Traveling Companion is not directly involved;

c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot;

d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.).

Reasonable Expenses means any meal, lodging, local transportation and essential phone call expense that were necessarily incurred as the result of a covered event, and that were not provided free of charge or otherwise reimbursed by a Common Carrier, Travel Supplier or other party.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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battleface battleface
Policy Name and Summary of Coverage
8

Discovery Plan

Optional coverage

TRIP DELAY

We will reimburse you per insured, up to the maximum amount shown in the schedule of benefits if your covered trip is delayed at least six (6) consecutive hours from the scheduled departure time and prevents you from reaching your intended destination. The Trip Delay benefit will cover reasonable additional expenses as a result of a cancellation or delay to your covered trip for one (1) of the following unforeseen events:

a. You are involved in or delayed due to a traffic accident while en route to a departure. Traffic accident must be substantiated by a police report;

b. Common carrier delay;

c. You or your traveling companion have lost or had stolen, your passports, travel documents, or money;

d. You or your traveling companion are quarantined (except as the result of an epidemic or pandemic);

e. Strike;

f. Natural disaster at the point of departure or destination;

g. Civil disorder; or

h. Hijacking.

Reasonable additional expenses, which were not paid or provided for by any other source, incurred over twenty dollars ($20) must be accompanied by receipts.

If you incur more than one (1) delay in the same covered trip, we will reimburse you for the delay with the largest benefit up to the maximum amount shown in the schedule of benefits.

Quarantine means a mandatory confinement, intended to stop the spread of a contagious disease to which you or your traveling companion may have been exposed.

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Berkshire Hathaway Travel Protection Berkshire Hathaway Travel Protection
Policy Name and Summary of Coverage
9

ExactCare

$1,000 per person
$200 daily limit
Covered after 5 hour delay

TRIP DELAY

If Your Trip is delayed at least 5 consecutive hours from the original departure time and prevents You from reaching Your intended Destination the Company will reimburse you for only one delay per Insured, per Trip, up to the Maximum Limit shown in the Schedule. The Trip Delay benefit will cover Reasonable Additional Expenses until travel becomes possible to the originally scheduled Destination, as a result of a cancellation or delay of Your Trip for one of the following Unforeseen events:

a) Common Carrier delay;

b) You or a Traveling Companion have lost or had stolen, your passports, travel documents, or money;

c) reasons listed under Trip Cancellation and Interruption.

Reasonable Additional Expenses incurred over $25 must be accompanied by receipts.

If You incur more than one delay in the same Trip the Company will reimburse You for the delay with the largest benefit up to the Maximum Limit shown in the Schedule.

“Reasonable Additional Expenses” means expenses for meals, taxi fares, essential telephone calls, local transportation, and lodging which are necessarily incurred as the result of Trip Delay and which are not provided by the Common Carrier or any other party free of charge.

“Quarantined” means a period of medically imposed isolation that is issued by the treating Physician to stop the spread of a contagious disease or Sickness which they have been diagnosed with or exposed to.

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10

ExactCare

$1,000 per person
$200 daily limit
Covered after 5 hour delay

TRIP DELAY

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured’s Trip is delayed at least the number of consecutive hours shown in the Schedule from the scheduled gate departure time that prevents the Insured from reaching the intended Destination or Return Destination for one of the Unforeseen events listed below:

a) Common Carrier delay;
b) The Insured’s or a Traveling Companion’s passports, Travel Documents, or money are lost or stolen;
c) Strike;
d) Unforeseen Covered Events listed under Trip Cancellation and Interruption

The Company will reimburse for only one delay per Trip. In the case of multiple delays, the Company will reimburse the delay with the largest expenses.

The Trip Delay benefit will cover Reasonable Additional Expenses, accompanied by receipts, until travel becomes possible to the originally scheduled Destination or Return Destination.

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11

ExactCare Value

$500 per person
$100 daily limit
Covered after 12 hour delay

TRIP DELAY

If Your Trip is delayed at least 12 consecutive hours from the original departure time and prevents You from reaching Your intended Destination the Company will reimburse you for only one delay per Insured, per Trip, up to the Maximum Limit shown in the Schedule. The Trip Delay benefit will cover Reasonable Additional Expenses until travel becomes possible to the originally scheduled Destination, as a result of a cancellation or delay of Your Trip for one of the following Unforeseen events:

a) You are involved in or delayed due to a traffic accident while en route to a departure. Traffic accident must be substantiated by a police report;
b) Common Carrier delay;
c) You or a Traveling Companion have lost or had stolen, your passports, travel documents, or money;
d) You or a Traveling Companion are quarantined;
e) Strike;
f) Inclement Weather which prohibits Your departure;
g) Natural Disaster;

Reasonable Additional Expenses incurred over $25 must be accompanied by receipts.

If You incur more than one delay in the same Trip the Company will reimburse You for the delay with the largest benefit up to the Maximum Limit shown in the Schedule.

“Reasonable Additional Expenses” means expenses for meals, taxi fares, essential telephone calls, local transportation, and lodging which are necessarily incurred as the result of Trip Delay and which are not provided by the Common Carrier or any other party free of charge.

“Quarantined” means a period of medically imposed isolation that is issued by the treating Physician to stop the spread of a contagious disease or Sickness which they have been diagnosed with or exposed to.

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12

ExactCare Value

$500 per person
$100 daily limit
Covered after 12 hour delay

TRIP DELAY

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured’s Trip is delayed at least the number of consecutive hours shown in the Schedule from the scheduled gate departure time that prevents theInsured from reaching the intended Destination or Return Destination for one of the Unforeseen events listed below:

(a) The Insured’s or a Traveling Companion’s passports, Travel Documents, or money are lost or stolen;

(b) Unforeseen Covered Events listed under Trip Cancellation and Interruption

The Company will reimburse for only one delay per Trip. In the case of multiple delays, the Company will reimburse the delay with the largest expenses.

The Trip Delay benefit will cover Reasonable Additional Expenses, accompanied by receipts, until travel becomes possible to the originally scheduled Destination or Return Destination.

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13

LuxuryCare

$2,000 per person
$200 daily limit
Covered after 5 hour delay

TRIP DELAY

If Your Trip is delayed at least 5 consecutive hours from the original departure time that prevents You from reaching Your intended Destination the Company will reimburse you for only one delay per Insured, per Trip, up to the Maximum Limit shown in the Schedule. The Trip Delay benefit will cover Reasonable Additional Expenses until travel becomes possible to the originally scheduled Destination, as a result of a cancellation or delay Your Trip for one of the following Unforeseen events:

a) Common Carrier delay;

b) Your or a Traveling Companion have lost or had stolen, your passports, travel documents, or money;

c) reasons listed under Trip Cancellation and Interruption.

Reasonable Additional Expenses incurred over $25 must be accompanied by receipts.

If You incur more than one delay in the same Trip the Company will reimburse You for the delay with the largest benefit up to the Maximum Limit shown in the Schedule.

“Reasonable Additional Expenses” means expenses for meals, taxi fares, essential telephone calls, local transportation, and lodging which are necessarily incurred as the result of Trip Delay and which are not provided by the Common Carrier or any other party free of charge.

“Quarantined” means a period of medically imposed isolation that is issued by the treating Physician to stop the spread of a contagious disease or Sickness which they have been diagnosed with or exposed to.

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14

LuxuryCare

$2,000 per person
$200 daily limit
Covered after 5 hour delay

TRIP DELAY

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured’s Trip is delayed at least the number of consecutive hours shown in the Schedule from the scheduled gate departure time that prevents theInsured from reaching the intended Destination or Return Destination for one of the Unforeseen events listed below:

a) Common Carrier delay;

b) The Insured’s or a Traveling Companion’s passports, Travel Documents, or money are lost or stolen;

c) Strike;

d) Unforeseen Covered Events listed under Trip Cancellation and Interruption

The Company will reimburse for only one delay per Trip. In the case of multiple delays, the Company will reimburse the delay with the largest expenses.The Trip Delay benefit will cover Reasonable Additional Expenses, accompanied by receipts, until travel becomes possible to the originally scheduled Destination or Return Destination.

“Reasonable Additional Expenses” means expenses for meals, taxi fares, essential telephone calls, local transportation, and lodging which are necessarily incurred as the result of Trip Delay and which are not provided by the Common Carrier or any other party free of charge.

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Cat 70 Cat 70
Policy Name and Summary of Coverage
15

Travel Plan

$500 per person
$150 daily limit
Covered after 6 hour delay

TRIP DELAY

We will pay Your additional expenses on a one-time basis, up to the maximum shown on the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for at least the number of hours shown on the Schedule of Benefits due to an Unforeseen Event For the Trip Cancellation and Trip Interruption benefits occurring on or after the Effective Date of the Policy.

Additional Expenses include:

a) any prepaid, unused, non-refundable land, air or water accommodations;

b) any reasonable additional expenses incurred (meals, accommodations, local transportation, and telephone calls);

c) an Economy Fare from the point where You interrupted Your Covered Trip to a destination where You can resume Your Covered Trip; or

d) a one-way Economy Fare to return You to Your originally scheduled return destination.

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Detour Insurance Detour Insurance
Policy Name and Summary of Coverage
16

@the edge

$2,000 per person
$200 daily limit
Covered after 12 hour delay

TRIP DELAY

The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for twelve (12) or more hours due to a defined Hazard.

Covered Trip Delay Expenses:

a) Any pre-paid, unused, non-refundable land and water accommodations;

b) Any Reasonable Expenses incurred.

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17

@the edge plus

$2,000 per person
$200 daily limit
Covered after 12 hour delay

TRIP DELAY

The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for twelve (12) or more hours due to a defined Hazard.

Covered Trip Delay Expenses:

a) Any pre-paid, unused, non-refundable land and water accommodations;

b) Any Reasonable Expenses incurred.

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Generali Global Assistance Generali Global Assistance
Policy Name and Summary of Coverage
18

Standard

$1,000 per person
$150 daily limit
Covered after 10 hour delay

TRAVEL DELAY COVERAGE

If you are delayed on your Trip for 10 hours or more, we will reimburse you, up to the amount shown in the Schedule for reasonable additional expenses incurred by you for lodging Accommodations, meals, telephone calls, local transportation, and additional vehicle parking charges and additional pet kennel fees incurred due to the delay. We will not pay benefits for expenses incurred after travel becomes possible.

Travel Delay must be caused by or result from:

a) delay of a Common Carrier; or

b) loss or theft of your passport(s), travel documents or money; or

c) Quarantine; or

d) hijacking; or

e) natural disaster or adverse weather; or

f) being directly involved in a documented traffic accident while you are en route to departure; or

g) unannounced strike; or

h) a civil disorder; or

i) Sickness or Injury of you or a Traveling Companion; or

j) death of a Traveling Companion.

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19

Preferred

$1,000 per person
$200 daily limit
Covered after 8 hour delay

TRAVEL DELAY COVERAGE

If you are delayed on your Trip for 8 hours or more, we will reimburse you, up to the amount shown in the Schedule for reasonable additional expenses incurred by you for lodging Accommodations, meals, telephone calls, local transportation, and additional vehicle parking charges and additional pet kennel fees incurred due to the delay. We will not pay benefits for expenses incurred after travel becomes possible.

Travel Delay must be caused by or result from:

a) delay of a Common Carrier; or

b) loss or theft of your passport(s), travel documents or money; or

c) Quarantine; or

d) hijacking; or

e) natural disaster or adverse weather; or

f) being directly involved in a documented traffic accident while you are en route to departure; or

g) unannounced strike; or

h) a civil disorder; or

i) Sickness or Injury of you or a Traveling Companion; or

j) death of a Traveling Companion.

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20

Premium

$1,000 per person
$300 daily limit
Covered after 6 hour delay

TRAVEL DELAY COVERAGE

If you are delayed on your Trip for 6 hours or more, we will reimburse you, up to the amount shown in the Schedule for reasonable additional expenses incurred by you for lodging Accommodations, meals, telephone calls, local transportation, and additional vehicle parking charges and additional pet kennel fees incurred due to the delay. We will not pay benefits for expenses incurred after travel becomes possible.

Travel Delay must be caused by or result from:

a) delay of a Common Carrier; or

b) loss or theft of your passport(s), travel documents or money; or

c) Quarantine; or

d) hijacking; or

e) natural disaster or adverse weather; or

f) being directly involved in a documented traffic accident while you are en route to departure; or

g) unannounced strike; or

h) a civil disorder; or

i) Sickness or Injury of you or a Traveling Companion; or

j) death of a Traveling Companion.

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Global Underwriters Global Underwriters
Policy Name and Summary of Coverage
21

Diplomat International

$2,000 per person
Covered after 12 hour delay

Trip Delay Benefit

Benefits will be paid up to ($2,000) for: 1)the non-refundable, unused portion of the prepaid expenses for the plan participants trip as long as the expenses are supported by proof of purchase and are not reimbursable by any other source; and 2) reasonable accommodation, meal and local transportation expenses incurred by the plan participant, up to the maximum benefit amount shown in the plan participant’s schedule of benefits, if the plan participant is delayed for 12 hours or more while en route to or from, or during the plan participant’s trip, due to:

1) any delay of a common carrier (the delay must be certified by the common carrier);
2) a traffic accident in which the plan participant or plan participant’s traveling companion are not directly involved (must be substantiated by a police report);
3) lost or stolen passports, travel documents or money (must be substantiated by a police report);
4) quarantine, hijacking, strike, natural disaster, terrorism or riot;
5) a documented weather condition preventing the plan participant from getting to the point of departure.

Benefits will not be paid for any expenses, which have been reimbursed, or for any services that have been provided by the common carrier.

These benefits will not duplicate any other benefits payable under the plan participants plan or any coverage(s) attached to the plan participant’s plan.

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HTH Travel Insurance HTH Travel Insurance
Policy Name and Summary of Coverage
22

TravelGap Voyager excl US

$250 per person
$25 daily limit
Covered after 12 hour delay

TRIP DELAY

The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for twelve (12) or more hours due to a defined Hazard.

Covered Trip Delay Expenses:

a) Any Reasonable Expenses incurred;
b) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip;
c) A one-way Economy Fare to return You to Your originally scheduled return destination.

Reasonable Expenses means any meal, lodging, local transportation and essential phone call expense that were necessarily incurred as the result of a covered event, and that were not provided free of charge or otherwise reimbursed by a Common Carrier, Travel Supplier or other party.

Hazard means:

a) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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23

TripProtector Preferred

$2,000 per person
$200 daily limit
Covered after 6 hour delay

TRIP DELAY

The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for six (6) or more hours due to a defined Hazard.

Covered Trip Delay Expenses:

a) Any pre-paid, unused, non-refundable land and water accommodations;

b) Any Reasonable Expenses incurred;

c) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip;

d) A one-way Economy Fare to return You to Your originally scheduled return destination.

If You or the Traveling Companion are delayed by a Common Carrier while en route to Your return destination after the Trip is completed and have placed Your cat or dog in a kennel for the duration of the Trip and You or the Traveling Companion are unable to collect them on the day previously agreed with the kennel, benefits will be paid up to the Maximum Benefit shown on the Schedule of Benefits to cover the necessary additional kennel fees.

You or the Traveling Companion must provide the following documentation when presenting a claim for these benefits:

a) Written confirmation of the reasons for delay from the Common Carrier whose delay resulted in the Loss, including but not limited to, scheduled departure and return times and actual departure and return times;

b) Written confirmation from the kennel advising the original pick-up date and the actual pick-up date.

Reasonable Expenses means any meal, lodging, local transportation and essential phone call expense that were necessarily incurred as the result of a covered event, and that were not provided free of charge or otherwise reimbursed by a Common Carrier, Travel Supplier or other party.

Hazard means:

a) Any delay of a Common Carrier (including Inclement Weather);

b) Any delay by a traffic Accident en route to a departure, in which You or Your Traveling Companion is not directly involved;

c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot;

d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.).

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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24

TravelGap Excursion excl US

$500 per person
$50 daily limit
Covered after 12 hour delay

TRIP DELAY

The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for twelve (12) or more hours due to a defined Hazard.

Covered Trip Delay Expenses:

a) Any Reasonable Expenses incurred;
b) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip;
c) A one-way Economy Fare to return You to Your originally scheduled return destination.

Reasonable Expenses means any meal, lodging, local transportation and essential phone call expense that were necessarily incurred as the result of a covered event, and that were not provided free of charge or otherwise reimbursed by a Common Carrier, Travel Supplier or other party.

Hazard means:

a) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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25

TripProtector Economy

$500 per person
$100 daily limit
Covered after 8 hour delay

TRIP DELAY

The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for eight (8) or more hours due to a defined Hazard.

Covered Trip Delay Expenses:

a) Any pre-paid, unused, non-refundable land and water accommodations;

b) Any Reasonable Expenses incurred;

c) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip;

d) A one-way Economy Fare to return You to Your originally scheduled return destination.

You or the Traveling Companion must provide the following documentation when presenting a claim for these benefits:

a) Written confirmation of the reasons for delay from the Common Carrier whose delay resulted in the Loss, including but not limited to, scheduled departure and return times and actual departure and return times.

Reasonable Expenses means any meal, lodging, local transportation and essential phone call expense that were necessarily incurred as the result of a covered event, and that were not provided free of charge or otherwise reimbursed by a Common Carrier, Travel Supplier or other party.

Hazard means:

a) Any delay of a Common Carrier (including Inclement Weather);

b) Any delay by a traffic Accident en route to a departure, in which You or Your Traveling Companion is not directly involved;

c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot;

d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.).

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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26

TripProtector Classic

$1,000 per person
$200 daily limit
Covered after 6 hour delay

TRIP DELAY

The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for six (6) or more hours due to a defined Hazard.

Covered Trip Delay Expenses:

a) Any pre-paid, unused, non-refundable land and water accommodations;
b) Any Reasonable Expenses incurred;
c) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip;
d) A one-way Economy Fare to return You to Your originally scheduled return destination.

You or the Traveling Companion must provide the following documentation when presenting a claim for these benefits:

a) Written confirmation of the reasons for delay from the Common Carrier whose delay resulted in the Loss, including but not limited to, scheduled departure and return times and actual departure and return times.

Hazard means:

a) Any delay of a Common Carrier (including Inclement Weather);
b) Any delay by a traffic Accident en route to a departure, in which You or Your Traveling Companion is not directly involved;
c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot;
d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.).

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

Reasonable Expenses means any meal, lodging, local transportation and essential phone call expense that were necessarily incurred as the result of a covered event, and that were not provided free of charge or otherwise reimbursed by a Common Carrier, Travel Supplier or other party.

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IMG IMG
Policy Name and Summary of Coverage
27

iTravelInsured Travel Lite

$500 per person
$125 daily limit
Covered after 12 hour delay

TRIP DELAY

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the Reasonable Expenses, You incur, if You are delayed for twelve (12) consecutive hours or more during the course of Your Trip and such delay prevents You from staying at the originally booked Accommodations, for one of the covered Unforeseen reasons:

1. You or Your Traveling Companion are not directly involved in and are delayed due to a traffic accident, while en route to Your Scheduled Trip Departure City or Scheduled Destination. The traffic accident must be substantiated by a police report or news report;

2. Common Carrier delay (the delay must be documented by the Common Carrier);

3. a theft or loss of passports or travel documents or visas specifically required for Your Trip substantiated by a police report or the copy of the request for a new passport, or travel documents or visas;

4. You or Your Traveling Companion are hijacked or Quarantined;

5. An unannounced Strike resulting in a complete cessation of services which prevents You from reaching Your Scheduled Destination or Return Destination;

6. Inclement Weather that causes a: delay, which prevents You from reaching Your Scheduled Destination or Return Destination;

7. Due to a Natural Disaster, a mandatory evacuation order or recommendation by local government authorities at Your Scheduled Trip Departure City or Scheduled Destination or Return Destination is issued which prevents You from traveling to/arriving at Your Scheduled Destination or Return Destination.

Receipts must accompany Reasonable Additional Expenses incurred.

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

Reasonable Additional Expenses means reasonable expenses for meals, taxi fares, essential telephone calls local transportation, and lodging which are necessarily incurred as the result of a/an Trip Delay and which are not provided by the Common Carrier or any other party free of charge

Quarantined means You or Your Traveling Companion are forced into strict medical isolation by a recognized government authority, their authorized deputies, medical examiners or Physician to prevent the spread of the disease due to You or Your Traveling Companion, either having, or being suspected of having an contagious disease, infection or contamination.

An embargo preventing You or Your Traveling Companion, from entering a country is not a quarantine.

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28

iTravelInsured Travel SE

$2,000 per person
$125 daily limit
Covered after 12 hour delay

TRIP DELAY

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the Reasonable Expenses, You incur, if You are delayed for twelve (12) consecutive hours or more during the course of Your Trip and such delay prevents You from staying at the originally booked Accommodations, for one of the covered Unforeseen reasons:

1. You or Your Traveling Companion are not directly involved in and are delayed due to a traffic accident, while en route to Your Scheduled Trip Departure City or Scheduled Destination. The traffic accident must be substantiated by a police report or news report;
2. Common Carrier delay (the delay must be documented by the Common Carrier);
3. a theft or loss of passports or travel documents or visas specifically required for Your Trip substantiated by a police report or the copy of the request for a new passport, or travel documents or visas;
4. You or Your Traveling Companion and/or Your or Your Traveling Companion’s Pet or Service Animal are hijacked or Quarantined;
5. An unannounced Strike resulting in a complete cessation of services which prevents You from reaching Your Scheduled Destination or Return Destination;
6. Inclement Weather that causes a: delay, which prevents You from reaching Your Scheduled Destination or Return Destination;
7. Due to a Natural Disaster, a mandatory evacuation order or recommendation by local government authorities at Your Scheduled Trip Departure City or Scheduled Destination or Return Destination is issued which prevents You from traveling to/arriving at Your Scheduled Destination or Return Destination.

Receipts must accompany Reasonable Additional Expenses incurred.

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

Reasonable Additional Expenses means reasonable expenses for meals, taxi fares, essential telephone calls local transportation, and lodging which are necessarily incurred as the result of a/an Trip Delay and which are not provided by the Common Carrier or any other party free of charge.

Quarantined means You or Your Traveling Companion, Pet or Service Animal are forced into strict medical isolation by a recognized government authority, their authorized deputies, medical examiners or Physician to prevent the spread of the disease due to You or Your Traveling Companion, ,Pet or Service Animal either having, or being suspected of having an contagious disease, infection or contamination.

An embargo preventing You or Your Traveling Companion, Pet or Service Animal from entering a country is not a quarantine.

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29

iTravelInsured Travel LX Basic

$2,500 per person
$250 daily limit
Covered after 6 hour delay

TRIP DELAY

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the Reasonable Expenses, You incur, if You are delayed for six (6) consecutive hours or more during the course of Your Trip and such delay prevents You from staying at the originally booked Accommodations, for one of the covered Unforeseen reasons:

1. You or Your Traveling Companion are not directly involved in and are delayed due to a traffic accident, while en route to Your Scheduled Trip Departure City or Scheduled Destination. The traffic accident must be substantiated by a police report or news report;
2. Common Carrier delay (the delay must be documented by the Common Carrier);
3. a theft or loss of passports or travel documents or visas specifically required for Your Trip substantiated by a police report or the copy of the request for a new passport, or travel documents or visas;
4. You or Your Traveling Companion and/or Your or Your Traveling Companion’s Pet or Service Animal are hijacked or Quarantined;
5. An unannounced Strike resulting in a complete cessation of services which prevents You from reaching Your Scheduled Destination or Return Destination;
6. Inclement Weather that causes a: delay, which prevents You from reaching Your Scheduled Destination or Return Destination;
7. Due to a Natural Disaster, a mandatory evacuation order or recommendation by local government authorities at Your Scheduled Trip Departure City or Scheduled Destination or Return Destination is issued which prevents You from traveling to/arriving at Your Scheduled Destination or Return Destination.

Receipts must accompany Reasonable Additional Expenses incurred.

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

Reasonable Additional Expenses means reasonable expenses for meals, taxi fares, essential telephone calls local transportation, and lodging which are necessarily incurred as the result of a/an Trip Delay and which are not provided by the Common Carrier or any other party free of charge.

Quarantined means You or Your Traveling Companion, Pet or Service Animal are forced into strict medical isolation by a recognized government authority, their authorized deputies, medical examiners or Physician to prevent the spread of the disease due to You or Your Traveling Companion, ,Pet or Service Animal either having, or being suspected of having an contagious disease, infection or contamination.

An embargo preventing You or Your Traveling Companion, Pet or Service Animal from entering a country is not a quarantine.

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30

iTravelInsured Travel Sport

$5,000 per person
$250 daily limit
Covered after 6 hour delay

TRAVEL DELAY

If You are delayed for six (6) hours or more while en route to, during, or returning from Your Trip, due to a covered Travel Delay Event listed below, We will reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the costs You pay for reasonable and necessary accommodations, meals, telephone calls and local transportation while You are delayed. When presenting a claim for these benefits, You must provide written confirmation of the reason for delay, including but not limited to, the scheduled departure and return dates and times, and the actual departure and return dates and times.

For this benefit, a covered Travel Delay event shall mean:

(a) any officially documented delay of Your Common Carrier;

(b) a traffic accident in which You or Your Traveling Companion are directly involved while en route to departure (must be substantiated by a police report);

c) Your or Your Traveling Companion’s lost or stolen passport(s), visa(s) or travel documents (must be substantiated by a police report);

(d) Quarantine, hijacking, Strike, Natural Disaster, terrorism or riot;

(e) a road closure due to severe weather or local transportation authority preventing You from getting to the point of departure for Your Trip (must be substantiated by the department of transportation, state police, etc.);

(f) Your Sickness or Injury, or the Sickness, Injury or death of Your Traveling Companion.

Quarantine means Your strict isolation imposed by a government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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31

iTravelInsured Travel Essential

$2,000 per person
$250 daily limit
Covered after 12 hour delay

TRAVEL DELAY

If You are delayed for twelve (12) hours or more while en route to, during, or returning from Your Trip, due to a covered Travel Delay Event listed below, We will reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the costs You pay for reasonable and necessary accommodations, meals, telephone calls and local transportation while You are delayed. When presenting a claim for these benefits, You must provide written confirmation of the reason for delay from the Common Carrier, including but not limited to, the scheduled departure and return dates and times, and the actual departure and return dates and times.

For this benefit, a covered Travel Delay event shall mean:

a) any officially documented delay of Your Common Carrier;

b) a traffic accident in which You or Your Traveling Companion are directly involved while en route to departure (must be substantiated by a police report);

c) Your or Your Traveling Companion’s lost or stolen passport(s), visa(s) or travel documents (must be substantiated by a police report);

d) Quarantine, hijacking, Strike, Natural Disaster, terrorism or riot;

e) a road closure due to severe weather or local transportation authority preventing You from getting to the point of departure for Your Trip (must be substantiated by the department of transportation, state police, etc.);

f) Your Sickness or Injury, or the Sickness, Injury or death of Your Traveling Companion;

g) You are unable to secure an assigned seat as a ticketed passenger on a flight (not including voluntarily giving up Your seat on an overbooked flight);

Quarantine means Your strict isolation imposed by a government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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John Hancock Insurance Agency, Inc. John Hancock Insurance Agency, Inc.
Policy Name and Summary of Coverage
32

Bronze

$500 per person
$150 daily limit
Covered after 6 hour delay

TRIP DELAY

We will pay Your additional expenses on a one-time basis, up to the maximum shown on the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for at least the number of hours shown on the Schedule of Benefits due to an Unforeseen Event For the Trip Cancellation and Trip Interruption benefits occurring on or after the Effective Date of the Policy.

Additional Expenses include:

a) any prepaid, unused, non-refundable land, air or water accommodations;

b) any reasonable additional expenses incurred (meals, accommodations, local transportation, and telephone calls);

c) an Economy Fare from the point where You interrupted Your Covered Trip to a destination where You can resume Your Covered Trip; or

d) a one-way Economy Fare to return You to Your originally scheduled return destination.

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33

Silver

$750 per person
$150 daily limit
Covered after 3 hour delay

TRIP DELAY

We will pay Your additional expenses on a one-time basis, up to the maximum shown on the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for at least the number of hours shown on the Schedule of Benefits due to an Unforeseen Event For the Trip Cancellation and Trip Interruption benefits occurring on or after the Effective Date of the Policy.

Additional Expenses include:

a) any prepaid, unused, non-refundable land, air or water accommodations;

b) any reasonable additional expenses incurred (meals, accommodations, local transportation, and telephone calls);

c) an Economy Fare from the point where You interrupted Your Covered Trip to a destination where You can resume Your Covered Trip; or

d) a one-way Economy Fare to return You to Your originally scheduled return destination.

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34

Gold

$1,000 per person
$200 daily limit
Covered after 3 hour delay

TRIP DELAY

We will pay Your additional expenses on a one-time basis, up to the maximum shown on the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for at least the number of hours shown on the Schedule of Benefits due to an Unforeseen Event For the Trip Cancellation and Trip Interruption benefits occurring on or after the Effective Date of the Policy.

Additional Expenses include:

a) any prepaid, unused, non-refundable land, air or water accommodations;

b) any reasonable additional expenses incurred (meals, accommodations, local transportation, and telephone calls);

c) an Economy Fare from the point where You interrupted Your Covered Trip to a destination where You can resume Your Covered Trip; or

d) a one-way Economy Fare to return You to Your originally scheduled return destination.

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Nationwide Mutual Insurance Company Nationwide Mutual Insurance Company
Policy Name and Summary of Coverage
35

Essential

$600 per person
$150 daily limit
Covered after 6 hour delay

TRIP DELAY

The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for six (6) or more hours due to a defined Hazard.

Covered Trip Delay Expenses:

a) Any Reasonable Expenses incurred;

b) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip;

c) A one-way Economy Fare to return You to Your originally scheduled return destination.

Reasonable Expenses means any meal, lodging, local transportation and essential phone call expense that were necessarily incurred as the result of a covered event, and that were not provided free of charge or otherwise reimbursed by a Common Carrier, Travel Supplier or other party.

Hazard means:

a) Any delay of a Common Carrier (including Inclement Weather);

b) Any delay by a traffic Accident en route to a departure, in which You or Your Traveling Companion is not directly involved;

c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot;

d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.).

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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36

Prime

$2,000 per person
$250 daily limit
Covered after 6 hour delay

TRIP DELAY

The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for six (6) or more hours due to a defined Hazard.

Covered Trip Delay Expenses:

a) Any Reasonable Expenses incurred;

b) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip;

c) A one-way Economy Fare to return You to Your originally scheduled return destination.

Reasonable Expenses means any meal, lodging, local transportation and essential phone call expense that were necessarily incurred as the result of a covered event, and that were not provided free of charge or otherwise reimbursed by a Common Carrier, Travel Supplier or other party.

Hazard means:

a) Any delay of a Common Carrier (including Inclement Weather);

b) Any delay by a traffic Accident en route to a departure, in which You or Your Traveling Companion is not directly involved;

c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot;

d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.).

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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37

Cruise Universal

$500 per person
$100 daily limit
Covered after 6 hour delay

TRIP DELAY

The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for six (6) or more hours due to a defined Hazard.

Covered Trip Delay Expenses:

a) Any pre-paid, unused, non-refundable land and water accommodations;

b) Any Reasonable Expenses incurred;

c) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip;

d) A one-way Economy Fare to return You to Your originally scheduled return destination.

Reasonable Expenses means any meal, lodging, local transportation and essential phone call expense that were necessarily incurred as the result of a covered event, and that were not provided free of charge or otherwise reimbursed by a Common Carrier, Travel Supplier or other party.

Hazard means:

a) Any delay of a Common Carrier (including Inclement Weather);

b) Any delay by a traffic Accident en route to a departure, in which You or Your Traveling Companion is not directly involved;

c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot;

d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.).

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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38

Cruise Choice

$750 per person
$150 daily limit
Covered after 6 hour delay

TRIP DELAY

The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for six (6) or more hours due to a defined Hazard.

Covered Trip Delay Expenses:

a) Any pre-paid, unused, non-refundable land and water accommodations;

b) Any Reasonable Expenses incurred;

c) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip;

d) A one-way Economy Fare to return You to Your originally scheduled return destination.

Reasonable Expenses means any meal, lodging, local transportation and essential phone call expense that were necessarily incurred as the result of a covered event, and that were not provided free of charge or otherwise reimbursed by a Common Carrier, Travel Supplier or other party.

Hazard means:

a) Any delay of a Common Carrier (including Inclement Weather);

b) Any delay by a traffic Accident en route to a departure, in which You or Your Traveling Companion is not directly involved;

c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot;

d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.).

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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39

Cruise Luxury

$1,000 per person
$200 daily limit
Covered after 6 hour delay

TRIP DELAY

The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for six (6) or more hours due to a defined Hazard.

Covered Trip Delay Expenses:

a) Any pre-paid, unused, non-refundable land and water accommodations;
b) Any Reasonable Expenses incurred;
c) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip;
d) A one-way Economy Fare to return You to Your originally scheduled return destination.

Hazard means:

a) Any delay of a Common Carrier (including Inclement Weather);
b) Any delay by a traffic Accident en route to a departure, in which You or Your Traveling Companion is not directly involved;
c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot;
d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.).

Reasonable Expenses means any meal, lodging, local transportation and essential phone call expense that were necessarily incurred as the result of a covered event, and that were not provided free of charge or otherwise reimbursed by a Common Carrier, Travel Supplier or other party.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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Seven Corners Seven Corners
Policy Name and Summary of Coverage
40

Trip Protection Choice

$2,000 per person
$250 daily limit
Covered after 6 hour delay

TRIP DELAY

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the Reasonable Expenses You incur, if You are delayed for 6 consecutive hours or more while en route to or from, or during the course of Your Trip, for one of the covered Unforeseen reasons:

1. You or Your Traveling Companion are not directly involved in and are delayed due to a traffic accident, while en route to Your Scheduled Trip Departure City or Scheduled Destination or Return Destination. The traffic accident must be substantiated by a police report;

2. Common Carrier delay (the delay must be documented by the Common Carrier);

3. a theft or loss of passports or travel documents or visas specifically required for Your Trip substantiated by a police report or the copy of the request for a new passport, or travel documents or visas;

4. You or You Traveling Companion are hijacked or Quarantined ;

5. An unannounced Strike resulting in a complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel which prevents You from reaching Your Scheduled Destination or Return Destination;

6. Inclement Weather that causes a: delay, of a Common Carrier on which You or Your Traveling Companion are scheduled to travel which prevents You from reaching Your Scheduled Destination or Return Destination;

7. Due to a Natural Disaster, a mandatory evacuation order by local government authorities at Your Scheduled Trip Departure City or Scheduled Destination or Return Destination is issued which prevents You from traveling to/arriving at Your Scheduled Trip Departure City or Scheduled Destination or Return Destination. Receipts must accompany Reasonable Expenses incurred.

If You incur more than one delay in the same Trip, We will reimburse You for the delay with the largest benefit up to the Maximum Benefit Amount shown in the Schedule of Benefits. We will not pay the Trip Delay Benefits for: 1) any expenses, which have been reimbursed, or 2) for any services that have been provided, by a Common Carrier or travel services provider.

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

Reasonable Expenses means reasonable expenses for meals, local transportation, and lodging which are necessarily incurred as the result of a Common Carrier or Trip Delay and which are not provided by the Common Carrier or any other party free of charge.

Quarantined means You or Your Traveling Companion, Family Member, Business Partner are forced into medical isolation by a recognized government authority, their authorized deputies, medical examiners or Physician to prevent the spread of the disease due to You or Your Traveling Companion, Family Member, Business Partner either having, or being suspected of having a contagious disease, infection or contamination.

An embargo preventing You or Your Traveling Companion, Family Member, Business Partner from entering a country is not a quarantine.

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41

Trip Protection Economy

$250 per person
$100 daily limit
Covered after 12 hour delay

TRAVEL DELAY

Benefits will be paid up to $100 per day for: 1) the non-refundable, unused portion of the Prepaid expenses for Your Trip as long as the expenses are supported by proof of purchase and are not reimbursable by any other source; and 2) reasonable accommodation, meal and local transportation expenses incurred by You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, if You are delayed for 12 hours or more while en route to or from, or during Your Trip, due to:

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

b) a traffic accident in which You or Your Traveling Companion is not directly involved (must be substantiated by a police report);

c) lost or stolen passports, travel documents or money (must be substantiated by a police report);

d) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot;

e) a documented weather condition preventing You from getting to the point of departure.

Benefits will not be paid for any expenses, which have been reimbursed, or for any services that have been provided by the Common Carrier. These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

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42

Trip Protection Elite

$1,500 per person
$300 daily limit
Covered after 6 hour delay

TRAVEL DELAY

Benefits will be paid up to $300 per day for: 1) the non-refundable, unused portion of the Prepaid expenses for Your Trip as long as the expenses are supported by proof of purchase and are not reimbursable by any other source; and 2) reasonable accommodation, meal and local transportation expenses incurred by You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, if You are delayed for 6 hours or more while en route to or from, or during Your Trip, due to:

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

b) a traffic accident in which You or Your Traveling Companion is not directly involved (must be substantiated by a police report);

c) lost or stolen passports, travel documents or money (must be substantiated by a police report);

d) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot;

e) a documented weather condition preventing You from getting to the point of departure.

Benefits will not be paid for any expenses, which have been reimbursed, or for any services that have been provided by the Common Carrier. These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy

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43

Trip Protection Basic

$600 per person
$200 daily limit
Covered after 6 hour delay

TRIP DELAY

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the Reasonable Expenses You incur, if You are delayed for 6 consecutive hours or more while en route to or from, or during the course of Your Trip, for one of the covered Unforeseen reasons:

1. You or Your Traveling Companion are not directly involved in and are delayed due to a traffic accident, while en route to Your Scheduled Trip Departure City or Scheduled Destination or Return Destination. The traffic accident must be substantiated by a police report;

2. Common Carrier delay (the delay must be documented by the Common Carrier);

3. a theft or loss of passports or travel documents or visas specifically required for Your Trip substantiated by a police report or the copy of the request for a new passport, or travel documents or visas;

4. You or You Traveling Companion are hijacked or Quarantined ;

5. An unannounced Strike resulting in a complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel which prevents You from reaching Your Scheduled Destination or Return Destination;

6. Inclement Weather that causes a: delay, of a Common Carrier on which You or Your Traveling Companion are scheduled to travel which prevents You from reaching Your Scheduled Destination or Return Destination;

7. Due to a Natural Disaster, a mandatory evacuation order by local government authorities at Your Scheduled Trip Departure City or Scheduled Destination or Return Destination is issued which prevents You from traveling to/arriving at Your Scheduled Trip Departure City or Scheduled Destination or Return Destination. Receipts must accompany Reasonable Expenses incurred.

If You incur more than one delay in the same Trip, We will reimburse You for the delay with the largest benefit up to the Maximum Benefit Amount shown in the Schedule of Benefits. We will not pay the Trip Delay Benefits for: 1) any expenses, which have been reimbursed, or 2) for any services that have been provided, by a Common Carrier or travel services provider.

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

Reasonable Expenses means reasonable expenses for meals, local transportation, and lodging which are necessarily incurred as the result of a Common Carrier or Trip Delay and which are not provided by the Common Carrier or any other party free of charge.

Quarantined means You or Your Traveling Companion, Family Member, Business Partner are forced into medical isolation by a recognized government authority, their authorized deputies, medical examiners or Physician to prevent the spread of the disease due to You or Your Traveling Companion, Family Member, Business Partner either having, or being suspected of having a contagious disease, infection or contamination.

An embargo preventing You or Your Traveling Companion, Family Member, Business Partner from entering a country is not a quarantine..

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Policy Name and Summary of Coverage
44

Economy

$500 per person
$150 daily limit
Covered after 12 hour delay

TRIP DELAY

If Your Trip is delayed at least 12 consecutive hours from the original departure time and prevents You from reaching Your intended Destination the Company will reimburse you for only one delay per Insured, per Trip, up to the Maximum Limit shown in the Schedule. The Trip Delay benefit will cover Reasonable Additional Expenses until travel becomes possible to the originally scheduled Destination, as a result of a cancellation or delay of Your Trip for one of the following Unforeseen events:

a) You are involved in or delayed due to a traffic accident while en route to a departure. Traffic accident must be substantiated by a police report;

b) You or a Traveling Companion have lost or had stolen, your passports, travel documents, or money;

c) You or a Traveling Companion are quarantined;

d) Strike;

e) Natural Disaster;

Reasonable Additional Expenses incurred over $25 must be accompanied by receipts.

If You incur more than one delay in the same Trip the Company will reimburse You for the delay with the largest benefit up to the Maximum Limit shown in the Schedule.

“Reasonable Additional Expenses” means expenses for meals, taxi fares, essential telephone calls, local transportation, and lodging which are necessarily incurred as the result of Trip Delay and which are not provided by the Common Carrier or any other party free of charge.

“Quarantined” means a period of medically imposed isolation that is issued by the treating Physician to stop the spread of a contagious disease or Sickness which they have been diagnosed with or exposed to.

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45

Economy

$500 per person
$150 daily limit
Covered after 12 hour delay

TRIP DELAY

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured’s Trip is delayed at least the number of consecutive hours shown in the Schedule from the scheduled gate departure time that prevents the Insured from reaching the intended Destination or Return Destination for one of the Unforeseen events listed below:

a) Common Carrier delay;
b) The Insured’s or a Traveling Companion’s passports, Travel Documents, or money are lost or stolen;
c) Strike;
d) Unforeseen Covered Events listed under Trip Cancellation and Interruption

The Company will reimburse for only one delay per Trip. In the case of multiple delays, the Company will reimburse the delay with the largest expenses.

The Trip Delay benefit will cover Reasonable Additional Expenses, accompanied by receipts, until travel becomes possible to the originally scheduled Destination or Return Destination.

“Reasonable Additional Expenses” means expenses for meals, taxi fares, essential telephone calls, local transportation, and lodging which are necessarily incurred as the result of Trip Delay and which are not provided by the Common Carrier or any other party free of charge.

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46

Standard

$500 per person
$150 daily limit
Covered after 6 hour delay

TRIP DELAY

If Your Trip is delayed at least 6 consecutive hours from the original departure time and prevents You from reaching Your intended Destination the Company will reimburse you for only one delay per Insured, per Trip, up to the Maximum Limit shown in the Schedule. The Trip Delay benefit will cover Reasonable Additional Expenses until travel becomes possible to the originally scheduled Destination, as a result of a cancellation or delay of Your Trip for one of the following Unforeseen events:

a) You are involved in or delayed due to a traffic accident while en route to a departure. Traffic accident must be substantiated by a police report;

b) Common Carrier delay;

c) You or a Traveling Companion have lost or had stolen, your passports, travel documents, or money;

d) You or a Traveling Companion are quarantined;

e) Strike;

f) Inclement Weather which prohibits Your departure;

g) Natural Disaster;

Reasonable Additional Expenses incurred over $25 must be accompanied by receipts.

If You incur more than one delay in the same Trip the Company will reimburse You for the delay with the largest benefit up to the Maximum Limit shown in the Schedule.

“Reasonable Additional Expenses” means expenses for meals, taxi fares, essential telephone calls, local transportation, and lodging which are necessarily incurred as the result of Trip Delay and which are not provided by the Common Carrier or any other party free of charge.

“Quarantined” means a period of medically imposed isolation that is issued by the treating Physician to stop the spread of a contagious disease or Sickness which they have been diagnosed with or exposed to.

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47

Standard

$500 per person
$150 daily limit
Covered after 6 hour delay

TRIP DELAY

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured’s Trip is delayed at least the number of consecutive hours shown in the Schedule from the scheduled gate departure time that prevents the Insured from reaching the intended Destination or Return Destination for one of the Unforeseen events listed below:

a) The Insured’s or a Traveling Companion’s passports, Travel Documents, or money are lost or stolen;

b) Unforeseen Covered Events listed under Trip Cancellation and Interruption

The Company will reimburse for only one delay per Trip. In the case of multiple delays, the Company will reimburse the delay with the largest expenses.

The Trip Delay benefit will cover Reasonable Additional Expenses, accompanied by receipts, until travel becomes possible to the originally scheduled Destination or Return Destination.

“Reasonable Additional Expenses” means expenses for meals, taxi fares, essential telephone calls, local transportation, and lodging which are necessarily incurred as the result of Trip Delay and which are not provided by the Common Carrier or any other party free of charge.

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48

Luxury

$2,000 per person
$150 daily limit
Covered after 6 hour delay

TRIP DELAY

If Your Trip is delayed at least 6 consecutive hours from the original departure time and prevents You from reaching Your intended Destination the Company will reimburse you for only one delay per Insured, per Trip, up to the Maximum Limit shown in the Schedule. The Trip Delay benefit will cover Reasonable Additional Expenses until travel becomes possible to the originally scheduled Destination, as a result of a cancellation or delay of Your Trip for one of the following Unforeseen events:

a) Common Carrier delay;

b) You or a Traveling Companion have lost or had stolen, your passports, travel documents, or money;

c) reasons listed under Trip Cancellation and Interruption.

Reasonable Additional Expenses incurred over $25 must be accompanied by receipts.

If You incur more than one delay in the same Trip the Company will reimburse You for the delay with the largest benefit up to the Maximum Limit shown in the Schedule.

“Reasonable Additional Expenses” means expenses for meals, taxi fares, essential telephone calls, local transportation, and lodging which are necessarily incurred as the result of Trip Delay and which are not provided by the Common Carrier or any other party free of charge.

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49

Luxury

$2,000 per person
$150 daily limit
Covered after 6 hour delay

TRIP DELAY

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured’s Trip is delayed at least the number of consecutive hours shown in the Schedule from the scheduled gate departure time that prevents the Insured from reaching the intended Destination or Return Destination for one of the Unforeseen events listed below:

a) Common Carrier delay;

b) The Insured’s or a Traveling Companion’s passports, Travel Documents, or money are lost or stolen;

c) Strike;

d) Unforeseen Covered Events listed under Trip Cancellation and Interruption

The Company will reimburse for only one delay per Trip. In the case of multiple delays, the Company will reimburse the delay with the largest expenses.

The Trip Delay benefit will cover Reasonable Additional Expenses, accompanied by receipts, until travel becomes possible to the originally scheduled Destination or Return Destination.

“Reasonable Additional Expenses” means expenses for meals, taxi fares, essential telephone calls, local transportation, and lodging which are necessarily incurred as the result of Trip Delay and which are not provided by the Common Carrier or any other party free of charge.

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50

Adventure

$600 per person
$200 daily limit
Covered after 5 hour delay

TRIP DELAY

If Your Trip is delayed at least 5 consecutive hours from the original departure time that prevents You from reaching Your intended Destination the Company will reimburse you for only one delay per Insured, per Trip, up to the Maximum Limit shown in the Schedule. The Trip Delay benefit will cover Reasonable Additional Expenses until travel becomes possible to the originally scheduled Destination, as a result of a cancellation or delay Your Trip for one of the following Unforeseen events:

a) Common Carrier delay;

b) You or a Traveling Companion have lost or had stolen your passports, travel documents, or money;

c) reasons listed under Trip Cancellation and Interruption.

Reasonable Additional Expenses incurred over $25 must be accompanied by receipts.

If You incur more than one delay in the same Trip the Company will reimburse You for the delay with the largest benefit up to the Maximum Limit shown in the Schedule.

“Reasonable Additional Expenses” means expenses for meals, taxi fares, essential telephone calls, local transportation, and lodging which are necessarily incurred as the result of Trip Delay and which are not provided by the Common Carrier or any other party free of charge.

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51

Adventure

$600 per person
$200 daily limit
Covered after 5 hour delay

TRIP DELAY

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured’s Trip is delayed at least the number of consecutive hours shown in the Schedule from the scheduled gate departure time that prevents the Insured from reaching the intended Destination or Return Destination for one of the Unforeseen events listed below:

a) Common Carrier delay;
b) The Insured’s or a Traveling Companion’s passports, Travel Documents, or money are lost or stolen;
c) Strike;
d) Unforeseen Covered Events listed under Trip Cancellation and Interruption

The Company will reimburse for only one delay per Trip. In the case of multiple delays, the Company will reimburse the delay with the largest expenses.

The Trip Delay benefit will cover Reasonable Additional Expenses, accompanied by receipts, until travel becomes possible to the originally scheduled Destination or Return Destination.

“Reasonable Additional Expenses” means expenses for meals, taxi fares, essential telephone calls, local transportation, and lodging which are necessarily incurred as the result of Trip Delay and which are not provided by the Common Carrier or any other party free of charge.

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52

Gold

$500 per person
$150 daily limit
Covered after 6 hour delay

TRIP DELAY

We will pay Your additional expenses on a one-time basis, up to the maximum shown on the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for at least the number of hours shown on the Schedule of Benefits due to an Unforeseen Event For the Trip Cancellation and Trip Interruption benefits occurring on or after the Effective Date of the Policy.

Additional Expenses include:

a) any prepaid, unused, non-refundable land, air or water accommodations;

b) any reasonable additional expenses incurred (meals, accommodations, local transportation, and telephone calls);

c) an Economy Fare from the point where You interrupted Your Covered Trip to a destination where You can resume Your Covered Trip; or

d) a one-way Economy Fare to return You to Your originally scheduled return destination.

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53

Basic

$500 per person
$150 daily limit
Covered after 6 hour delay

TRIP DELAY

We will reimburse you for only one (1) delay per insured, up to the maximum amount shown in the schedule of benefits if your covered trip is delayed at least six (6) consecutive hours from the scheduled departure time and prevents you from reaching your intended destination. The Trip Delay benefit will cover reasonable additional expenses or for unused, nonrefundable travel arrangements, prepaid to the travel supplier and/or the airfare paid, less the value of applied credit from an unused return travel ticket, to return to your primary residence or rejoin the original land/sea arrangements, as a result of a cancellation or delay to your covered trip for one (1) of the following unforeseen events:

a. You are involved in or delayed due to a traffic accident while en route to a departure. Traffic accident must be substantiated by a police report;
b. Common carrier delay;
c. You or your traveling companion have lost or had stolen, your passports, travel documents, or money;
d. You or your traveling companion are quarantined (except as the result of an epidemic or pandemic);
e. Strike;
f. Inclement weather which prohibits your common carrier’s departure;
g. Natural disaster at the point of departure or destination;
h. You or your traveling companion’s injury or sickness or death of your traveling companion;
i. Breakdown of your owned or rented vehicle en route to a departure when the rental is part of the covered trip;
j. Your flight being cancelled or delayed because the airport from which the flight is scheduled to depart is temporarily closed due to a documented security breach or threat;
k. Civil disorder;
l. Hijacking; or
m. Reasons listed under Trip Cancellation and Interruption.

Reasonable additional expenses, which were not paid or provided for by any other source, incurred over twenty dollars ($20) must be accompanied by receipts.

If you incur more than one (1) delay in the same covered trip, we will reimburse you for the delay with the largest benefit up to the maximum amount shown in the schedule of benefits.

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54

Platinum

$500 per person
$150 daily limit
Covered after 6 hour delay

TRIP DELAY

We will reimburse you for only one (1) delay per insured, up to the maximum amount shown in the schedule of benefits if your covered trip is delayed at least six (6) consecutive hours from the scheduled departure time and prevents you from reaching your intended destination. The Trip Delay benefit will cover reasonable additional expenses or for unused, nonrefundable travel arrangements, prepaid to the travel supplier and/or the airfare paid, less the value of applied credit from an unused return travel ticket, to return to your primary residence or rejoin the original land/sea arrangements, as a result of a cancellation or delay to your covered trip for one (1) of the following unforeseen events:

a. You are involved in or delayed due to a traffic accident while en route to a departure. Traffic accident must be substantiated by a police report;

b. Common carrier delay;

c. You or your traveling companion have lost or had stolen, your passports, travel documents, or money;

d. You or your traveling companion are quarantined (except as the result of an epidemic or pandemic);

e. Strike;

f. Inclement weather which prohibits your common carrier’s departure;

g. Natural disaster at the point of departure or destination;

h. You or your traveling companion’s injury or sickness or death of your traveling companion;

i. Breakdown of your owned or rented vehicle en route to a departure when the rental is part of the covered trip;

j. Yourflight being cancelled or delayed because the airport from which the flight is scheduled to depart is temporarily closed due to a documented security breach or threat;

k. Civil disorder;

l. Hijacking; or

m. Reasons listed under Trip Cancellation and Interruption.

Reasonable additional expenses, which were not paid or provided for by any other source, incurred over twenty dollars ($20) must be accompanied by receipts.

If you incur more than one (1) delay in the same covered trip, we will reimburse you for the delay with the largest benefit up to the maximum amount shown in the schedule of benefits.

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55

Silver

$2,000 per person
$150 daily limit
Covered after 6 hour delay

TRIP DELAY

We will pay Your additional expenses on a one-time basis, up to the maximum shown on the Schedule of Benefits, if You are delayed en route to or from Your Covered Trip for at least the number of hours shown on the Schedule of Benefits due to an Unforeseen Event For the Trip Cancellation and Trip Interruption benefits occurring on or after the Effective Date of the Policy.

Additional Expenses include:

a. Any prepaid, unused, non-refundable Land/Sea/Air Arrangements;
b. Any reasonable additional expenses incurred (meals, accommodations, local transportation, and telephone calls);
c. An Economy Fare from the point where You interrupted Your Covered Trip to a destination where You can resume Your Covered Trip; or
d. A one-way Economy Fare to return You to Your originally scheduled Return Destination.

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Policy Name and Summary of Coverage
56

Worldwide Trip Protector Plus

$1,000 per person
$200 daily limit
Covered after 6 hour delay

TRAVEL DELAY

Benefits will be paid up to $200 per day for: 1) the non-refundable, unused portion of the Prepaid expenses for Your Trip as long as the expenses are supported by proof of purchase and are not reimbursable by any other source; and 2) reasonable accommodation, meal, telephone call and local transportation expenses incurred by You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, if You are delayed for 6 hours or more while en route to or from, or during Your Trip, due to:

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

b) a traffic accident in which You or Your Traveling Companion is not directly involved (must be substantiated by a police report);

c) lost or stolen passports, travel documents or money (must be substantiated by a police report);

d) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot;

e) a documented weather condition preventing You from getting to the point of departure.

If You are delayed by a Common Carrier while en route to the final return destination of Your Trip and have placed Your cat or dog in a kennel for the duration of Your Trip and You are unable to collect cat or dog on the day previously agreed with the kennel, benefits will be paid up to $50 per day, on a one-time basis, up to the Maximum Benefit Amount to cover the necessary additional kennel fees.

You must provide the following documentation when presenting a claim for these benefits:

- Written confirmation of the reasons for delay from the Common Carrier whose delay resulted in the loss, including but not limited to; scheduled departure and return times and actual departure and return times;

- Written confirmation from the kennel advising the original pick-up date and the actual pick-up date.

Benefits will not be paid for any expenses, which have been reimbursed, or for any services that have been provided by the Common Carrier.

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

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57

Worldwide Trip Protector

$1,500 per person
$200 daily limit
Covered after 3 hour delay

TRIP DELAY

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements, Reasonable Additional Expenses, plus the Additional Transportation Cost paid if Your Trip is delayed at least 3 consecutive hours from the original departure time to:

a. join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements;
b. rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or
c. transport You to Your originally scheduled return or final destination of Your Trip.

The Trip Delay must occur while coverage is in effect for You due to any of the following covered Unforeseen reason(s).

1.You or Your Traveling Companion are not directly involved in a traffic accident, while en route to Your Scheduled Trip Departure City or Scheduled Destination. The traffic accident must be documented by a police report;
2.Common Carrier delay. (the delay must be documented by a Common Carrier);
3.a documented theft of Your passports or travel documents specifically required for Your Trip. The theft must be substantiated by a police report;
4.You are hijacked or Quarantined;
5.An unannounced Strike results in a complete cessation of services of a Common Carrier on which You are scheduled to travel which prevents You from reaching the Scheduled Destination;
6.Inclement Weather that causes a: delay or complete cessation of services of a Common Carrier on which You are scheduled to travel at the point of Your Scheduled Departure site which prevents You from reaching Your Scheduled Destination;
7.Due to a Natural Disaster, a mandatory evacuation order or recommendation by local government authorities at Your Scheduled Trip Departure City or Scheduled Destination is issued which prevents You from traveling to/arriving at Your Scheduled Trip Departure City or Scheduled Destination;
8.Security Breach, Civil Disorder or Riot while at an airport or other port for at least 3 consecutive hours preventing You from reaching Your Scheduled Destination or departing on Your Trip.

Receipts must accompany Reasonable Additional Expenses incurred over $500.

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

Reasonable Additional Expenses means reasonable expenses for meals, essential telephone calls, local transportation, and lodging which are necessarily incurred as the result of a Common Carrier or Trip Delay and which are not provided by the Common Carrier or any other party free of charge.

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58

Worldwide Trip Protector Edge

$300 per person
$100 daily limit
Covered after 12 hour delay

TRIP DELAY

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements, Reasonable Additional Expenses, plus the Additional Transportation Cost paid if Your Trip is delayed at least 12 consecutive hours from the original departure time to:

a. join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; b. rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or c. transport You to Your originally scheduled return or final destination of Your Trip.

The Trip Delay must occur while coverage is in effect for You due to any of the following covered Unforeseen reason(s).

1. You or Your Traveling Companion are not directly involved in a traffic accident, while en route to Your Scheduled Trip Departure City or Scheduled Destination. The traffic accident must be documented by a police report ;

2. Common Carrier delay. (the delay must be documented by a Common Carrier);

3. a documented theft of Your passports or travel documents specifically required for Your Trip. The theft must be substantiated by a police report;

4. You are hijacked or Quarantined;

5. An unannounced Strike results in a complete cessation of services of a Common Carrier on which You are scheduled to travel which prevents You from reaching the Scheduled Destination;

6. Inclement Weather that causes a: delay or complete cessation of services of a Common Carrier on which You are scheduled to travel at the point of Your Scheduled Departure site which prevents You from reaching Your Scheduled Destination;

7. Due to a Natural Disaster, a mandatory evacuation order or recommendation by local government authorities at Your Scheduled Trip Departure City or Scheduled Destination is issued which prevents You from traveling to/arriving at Your Scheduled Trip Departure City or Scheduled Destination;

8. Security Breach, Civil Disorder or Riot while at an airport or other port for at least 3 consecutive hours preventing You from reaching Your Scheduled Destination or departing on Your Trip. Receipts must accompany Reasonable Additional Expenses incurred over $500.

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

Quarantined means You or Your Traveling Companion are forced into strict medical isolation by a recognized government authority, their authorized deputies, medical examiners or Physician to prevent the spread of the disease due to You or Your Traveling Companion either having, or being suspected of having an contagious disease, infection or contamination.

Reasonable Additional Expenses means reasonable expenses for meals, essential telephone calls, local transportation, and lodging which are necessarily incurred as the result of a Common Carrier or Trip Delay and which
are not provided by the Common Carrier or any other party free of charge.

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59

FlexiTrip

$1,000 per person
$150 daily limit
Covered after 6 hour delay

TRIP DELAY

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements, Reasonable Additional Expenses, plus the Additional Transportation Cost paid if Your Trip is delayed at least 6 consecutive hours from the original departure time to:

a. join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements;

b. rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or

c. transport You to Your originally scheduled return or final destination of Your Trip.

The Trip Delay must occur while coverage is in effect for You due to any of the following covered Unforeseen reason(s).

1.You or Your Traveling Companion are not directly involved in a traffic accident, while en route to Your Scheduled Trip Departure City or Scheduled Destination. The traffic accident must be documented by a police report;

2.Common Carrier delay. (the delay must be documented by a Common Carrier);

3.a documented theft of Your passports or travel documents specifically required for Your Trip. The theft must be substantiated by a police report;

4.You are hijacked or Quarantined;

5.An unannounced Strike results in a complete cessation of services of a Common Carrier on which You are scheduled to travel which prevents You from reaching the Scheduled Destination;

6.Inclement Weather that causes a: delay or complete cessation of services of a Common Carrier on which You are scheduled to travel at the point of Your Scheduled Departure site which prevents You from reaching Your Scheduled Destination;

7.Due to a Natural Disaster, a mandatory evacuation order or recommendation by local government authorities at Your Scheduled Trip Departure City or Scheduled Destination is issued which prevents You from traveling to/arriving at Your Scheduled Trip Departure City or Scheduled Destination;

8.Security Breach, Civil Disorder or Riot while at an airport or other port for at least 6 consecutive hours preventing You from reaching Your Scheduled Destination or departing on Your Trip.

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

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Travelex Insurance Services Travelex Insurance Services
Policy Name and Summary of Coverage
60

Travel Basic

$500 per person
$250 daily limit
Covered after 5 hour delay

TRIP DELAY

If Your Trip is delayed at least 5 consecutive hours from the original departure time that prevents You from reaching Your intended Destination the Company will reimburse you for only one delay per Insured, per Trip, up to the Maximum Limit shown in the Schedule. The Trip Delay benefit will cover Reasonable Additional Expenses until travel becomes possible to the originally scheduled Destination, as a result of a cancellation or delay Your Trip for one of the following Unforeseen events:

a) Common Carrier delay;

b) You or a Traveling Companion have lost or had stolen, your passports, travel documents, or money;

c) You or a Traveling Companion are quarantined;

d) Natural Disaster;

e) Injury or Sickness of You or a Traveling Companion.

Reasonable Additional Expenses incurred over $25 must be accompanied by receipts.

If You incur more than one delay in the same Trip the Company will reimburse You for the delay with the largest benefit up to the Maximum Limit shown in the Schedule.

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61

Travel Basic

$500 per person
$250 daily limit
Covered after 5 hour delay

TRIP DELAY

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured’s Trip is delayed at least the number of consecutive hours shown in the Schedule from the scheduled gate departure time that prevents the Insured from reaching the intended Destination or Return Destination for one of the Unforeseen events listed below:

a) Common Carrier delay;

b) The Insured’s or a Traveling Companion’s passports, Travel Documents, or money are lost or stolen;

c) Strike;

d) Unforeseen Covered Events listed under Trip Cancellation and Interruption.

The Company will reimburse for only one delay per Trip. In the case of multiple delays, the Company will reimburse the delay with the largest expenses.

The Trip Delay benefit will cover Reasonable Additional Expenses, accompanied by receipts, until travel becomes possible to the originally scheduled Destination or Return Destination.

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62

Travel Select

$2,000 per person
$250 daily limit
Covered after 5 hour delay

TRIP DELAY

If Your Trip is delayed at least 5 consecutive hours from the original departure time that prevents You from reaching Your intended Destination the Company will reimburse you for only one delay per Insured, per Trip, up to the Maximum Limit shown in the Schedule. The Trip Delay benefit will cover Reasonable Additional Expenses until travel becomes possible to the originally scheduled Destination, as a result of a cancellation or delay Your Trip for one of the following Unforeseen events:

a) Common Carrier delay;

b) Your or a Traveling Companion have lost or had stolen, your passports,

c) reasons listed under Trip Cancellation and Interruption.

Reasonable Additional Expenses incurred over $25 must be accompanied by receipts.

If You incur more than one delay in the same Trip the Company will reimburse You for the delay with the largest benefit up to the Maximum Limit shown in the Schedule.

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63

Travel Select

$2,000 per person
$200 daily limit
Covered after 5 hour delay

TRIP DELAY

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured’s Trip is delayed at least the number of consecutive hours shown in the Schedule from the scheduled gate departure time that prevents the Insured from reaching the intended Destination or Return Destination for one of the Unforeseen events listed below:

a) Common Carrier delay;

b) The Insured’s or a Traveling Companion’s passports, Travel Documents, or money are lost or stolen;

c) Strike;

d) Unforeseen Covered Events listed under Trip Cancellation and Interruption

The Company will reimburse for only one delay per Trip. In the case of multiple delays, the Company will reimburse the delay with the largest expenses.

The Trip Delay benefit will cover Reasonable Additional Expenses, accompanied by receipts, until travel becomes possible to the originally scheduled Destination or Return Destination.

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64

Flight Insure

$100 per person
$100 daily limit
Covered after 5 hour delay

TRIP DELAY

If Your Trip is delayed at least 5 hours from the original departure time that prevents You from reaching Your intended Destination the Company will reimburse you for only one delay per Insured, per Trip, up to the Maximum Limit shown in the Schedule. The Trip Delay benefit will cover Reasonable Additional Expenses until travel becomes possible to the originally scheduled Destination, as a result of a cancellation or delay Your Trip for one of the following Unforeseen events:

a) You are involved in or delayed due to a traffic accident while en route to a departure. Traffic accident must be substantiated by a police report;

b) Common Carrier delay;

c) You or a Traveling Companion have lost or had stolen, your passports, travel documents, or money;

d) Inclement Weather which prohibits Your Common Carrier’s departure;

e) Natural Disaster at the departure or Destination;

f) Injury or Sickness of You or a Traveling Companion or death of the Traveling Companion.

Reasonable Additional Expenses incurred over $25 must be accompanied by receipts.

If You incur more than one delay in the same Trip the Company will reimburse You for the delay with the largest benefit up to the Maximum Limit shown in the Schedule.

“Reasonable Additional Expenses” means expenses for meals, taxi fares, essential telephone calls, local transportation, and lodging which are necessarily incurred as the result of Trip Delay and which are not provided by the Common Carrier or any other party free of charge.

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65

Flight Insure Plus

$100 per person
$100 daily limit
Covered after 5 hour delay

TRIP DELAY

If Your Trip is delayed at least 5 consecutive hours from the original departure time that prevents You from reaching Your intended Destination the Company will reimburse you for only one delay per Insured, per Trip, up to the Maximum Limit shown in the Schedule. The Trip Delay benefit will cover Reasonable Additional Expenses until travel becomes possible to the originally scheduled Destination, as a result of a cancellation or delay Your Trip for one of the following Unforeseen events:

a) You are involved in or delayed due to a traffic accident while en route to a departure. Traffic accident must be substantiated by a police report;

b) Common Carrier delay;

c) You or a Traveling Companion have lost or had stolen, your passports, travel documents, or money;

d) Inclement Weather which prohibits Your Common Carrier’s departure;

e) Natural Disaster at the departure or Destination;

f) Injury or Sickness of You or a Traveling Companion or death of the Traveling Companion.

Reasonable Additional Expenses incurred over $25 must be accompanied by receipts.

If You incur more than one delay in the same Trip the Company will reimburse You for the delay with the largest benefit up to the Maximum Limit shown in the Schedule.

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Trawick International Trawick International
Policy Name and Summary of Coverage
66

Safe Travels International excl US

$2,000 per person
$150 daily limit
Covered after 6 hour delay

TRIP DELAY

The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en-route to or from the Trip for six (6) or more hours due to a defined Hazard.

Covered Trip Delay Expenses:

a) Any pre-paid, unused, non-refundable land and water accommodations;

b) Any Reasonable Expenses incurred;

c) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip;

d) A one-way Economy Fare to return You to Your originally scheduled return destination.

OPTIONAL BENEFIT UPGRADES

TRIP DELAY (including Accommodations and Lodging)

Option #1: Maximum Benefit up to $4,000, subject to a $300 per day maximum
Option #2: Maximum Benefit up to $7,000, subject to a $500 per day maximum

“Hazard” means: a) Any delay of a Common Carrier (including Inclement Weather); b) Any delay by a traffic Accident en route to a departure, in which You or Your Traveling Companion is not directly involved; c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot; d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.).

“Quarantine” means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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67

Safe Travels Single Trip

$600 per person
$200 daily limit
Covered after 12 hour delay

TRIP DELAY

The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for twelve (12) or more hours due to a defined Hazard.

Covered Trip Delay Expenses:

a) Any pre-paid, unused, non-refundable land and water accommodations;

b) Any Reasonable Expenses incurred;

c) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip;

d) A one-way Economy Fare to return You to Your originally scheduled return destination.

Hazard means:

a) Any delay of a Common Carrier (including Inclement Weather);
b) Any delay by a traffic Accident en route to a departure, in which You or Your Traveling Companion is not directly involved;
c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot;
d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.).

Reasonable Expenses means any meal, lodging, local transportation and essential phone call expense that were necessarily incurred as the result of a covered event, and that were not provided free of charge or otherwise reimbursed by a Common Carrier, Travel Supplier or other party.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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68

Safe Travels First Class

$1,000 per person
$200 daily limit
Covered after 12 hour delay

TRIP DELAY

The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for twelve (12) or more hours due to a defined Hazard.

Covered Trip Delay Expenses:

a) Any pre-paid, unused, non-refundable land and water accommodations;

b) Any Reasonable Expenses incurred;

c) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip;

d) A one-way Economy Fare to return You to Your originally scheduled return destination.

Hazard means:

a) Any delay of a Common Carrier (including Inclement Weather);

b) Any delay by a traffic Accident en route to a departure, in which You or Your Traveling Companion is not directly involved;

c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot;

d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.).

Reasonable Expenses means any meal, lodging, local transportation and essential phone call expense that were necessarily incurred as the result of a covered event, and that were not provided free of charge or otherwise reimbursed by a Common Carrier, Travel Supplier or other party.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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69

Safe Travels Annual Deluxe

$500 per trip
$150 daily limit
Covered after 12 hour delay

TRIP DELAY

The Company will reimburse You and/or the Traveling Companion for Covered Expenses, up to the Maximum Benefit shown on the Confirmation of Coverage, if You and/or the Traveling Companion are delayed, while coverage is in effect, en route to or from the Trip for twelve (12) or more hours due to a defined Hazard.

Covered Expenses:

a) Any prepaid, unused, non-refundable land and water accommodations;

b) Any Additional Expenses incurred;

c) An Economy Fare from the point where You and/or the Traveling Companion ended Your Trip to a destination where You and/or the Traveling Companion can catch up to the Trip; or

d) A one-way Economy Fare to return You, and/or the Traveling Companion to Your, and/or the Traveling Companion’s originally scheduled return destination.

Additional Expenses means any reasonable expenses for meals and lodging as well as local transportation and essential phone calls that were necessarily incurred as the result of a Hazard and that were not provided by the Common Carrier or other party free of charge.

Hazard means:

a) Any delay of a Common Carrier (including Inclement Weather).

b) Any delay by a traffic accident en route to a departure, in which You or a Traveling Companion is not directly involved.

c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, natural disaster, civil commotion or riot.

d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.)

e) Mechanical breakdown of Your covered vehicle while en-route to or on Your scheduled Trip destination.

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70

Safe Travels Annual Basic

$200 per trip
$100 daily limit
Covered after 12 hour delay

TRIP DELAY

The Company will reimburse You and/or the Traveling Companion for Covered Expenses, up to the Maximum Benefit shown on the Confirmation of Coverage, if You and/or the Traveling Companion are delayed, while coverage is in effect, en route to or from the Trip for twelve (12) or more hours due to a defined Hazard.

Covered Expenses:

a) Any prepaid, unused, non-refundable land and water accommodations;

b) Any Additional Expenses incurred;

c) An Economy Fare from the point where You and/or the Traveling Companion ended Your Trip to a destination where You and/or the Traveling Companion can catch up to the Trip; or

d) A one-way Economy Fare to return You, and/or the Traveling Companion to Your, and/or the Traveling Companion’s originally scheduled return destination.

Hazard means:

a) Any delay of a Common Carrier (including Inclement Weather).

b) Any delay by a traffic accident en route to a departure, in which You or a Traveling Companion is not directly involved.

c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, natural disaster, civil commotion or riot.

d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.)

e) Mechanical breakdown of Your covered vehicle while en-route to or on Your scheduled Trip destination.

Additional Expenses means any reasonable expenses for meals and lodging as well as local transportation and essential phone calls that were necessarily incurred as the result of a Hazard and that were not provided by the Common Carrier or other party free of charge.

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71

Safe Travels Explorer

$1,000 per person
$150 daily limit
Covered after 12 hour delay

TRIP DELAY

The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for twelve (12) or more hours due to a defined Hazard.

Covered Trip Delay Expenses:

a) Any pre-paid, unused, non-refundable land and water accommodations;
b) Any Reasonable Expenses incurred;
c) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip;
d) A one-way Economy Fare to return You to Your originally scheduled return destination.

Hazard means:

a) Any delay of a Common Carrier (including Inclement Weather);
b) Any delay by a traffic Accident en route to a departure, in which You or Your Traveling Companion is not directly involved;
c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot;
d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.).

Reasonable Expenses means any meal, lodging, local transportation and essential phone call expense that were necessarily incurred as the result of a covered event, and that were not provided free of charge or otherwise reimbursed by a Common Carrier, Travel Supplier or other party.

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72

Safe Travels Journey

$2,000 per person
$200 daily limit
Covered after 6 hour delay

TRIP DELAY

The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for six (6) or more hours due to a defined Hazard.

Covered Trip Delay Expenses:

a) Any pre-paid, unused, non-refundable land and water accommodations;

b) Any Reasonable Expenses incurred;

c) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip;

d) A one-way Economy Fare to return You to Your originally scheduled return destination.

Hazard means:

a) Any delay of a Common Carrier (including Inclement Weather);

b) Any delay by a traffic Accident en route to a departure, in which You or Your Traveling Companion is not directly involved;

c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot;

d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.).

Reasonable Expenses means any meal, lodging, local transportation and essential phone call expense that were necessarily incurred as the result of a covered event, and that were not provided free of charge or otherwise reimbursed by a Common Carrier, Travel Supplier or other party.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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73

Safe Travels Voyager

$3,000 per person
$250 daily limit
Covered after 6 hour delay

TRIP DELAY

The Company will reimburse You for Covered Trip Delay Expenses, up to the Maximum Benefit shown on the Schedule of Benefits, if You are delayed, while coverage is in effect, en route to or from the Trip for six (6) or more hours due to a defined Hazard.

Covered Trip Delay Expenses:

a) Any pre-paid, unused, non-refundable land and water accommodations;

b) Any Reasonable Expenses incurred;

c) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip;

d) A one-way Economy Fare to return You to Your originally scheduled return destination.

Hazard means:

a) Any delay of a Common Carrier (including Inclement Weather);

b) Any delay by a traffic Accident en route to a departure, in which You or Your Traveling Companion is not directly involved;

c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, Natural Disaster, civil commotion or riot;

d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.).

Reasonable Expenses means any meal, lodging, local transportation and essential phone call expense that were necessarily incurred as the result of a covered event, and that were not provided free of charge or otherwise reimbursed by a Common Carrier, Travel Supplier or other party.

Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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74

Safe Travels Protect

$300 per person
$100 daily limit
Covered after 12 hour delay

TRIP DELAY

We will pay Your additional expenses on a one-time basis, up to the maximum shown on the Schedule of Benefits, if You are delayed en route to or from Your Covered Trip for at least the number of hours shown on the Schedule of Benefits due to any of the Unforeseen Events listed below, occurring on or after the Effective Date of the Policy

Additional Expenses include:

a) Any prepaid, unused, non-refundable Land/Sea/Air Arrangements;
b) Any reasonable additional expenses incurred (meals, accommodations, local transportation, and telephone calls);
c) An Economy Fare from the point where You interrupted Your Covered Trip to a destination where You can resume Your Covered Trip; or
d) A one-way Economy Fare to return You to Your originally scheduled Return Destination.

The following are the Unforeseen Events for Trip Delay:

1. You or Your Traveling Companion being directly involved in or delayed due to a traffic Accident substantiated by a police report, while en route to departure.

2. Strike that causes complete cessation of travel services of Your Common Carrier.

3. Inclement Weather, Natural Disasters, Terrorist Incident or the Common Carrier’s mechanical breakdown that results in the complete cessation of travel services at the point of departure or Destination.

4. Mandatory evacuation ordered by local authorities at Your Destination due to a Natural Disaster. You must have 50% or less of Your Covered Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable. We will only pay benefits for losses occurring within 30 calendar days after the evacuation order goes into effect.

5. A documented theft of passports or visas. Documented means that You have reported the theft to the local authorities.

6. You and/or Your Traveling Companion are hijacked.

7. You and/or Your Traveling Companion are Quarantined.

8. Adverse weather or Natural Disaster resulting in the obstruction of public roadways or curtailment of public transportation, that prevents Your ability to arrive at Your Land/Sea/Air Arrangements.

Quarantine means a mandatory confinement, intended to stop the spread of a contagious disease to which You or Your Traveling Companion may have been exposed. Quarantine does not include stay at home, shelter in place or other similar orders issued to the general public by local, state, or federal authorities.

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75

Safe Travels Defend

$600 per person
$150 daily limit
Covered after 12 hour delay

TRIP DELAY

We will pay Your additional expenses on a one-time basis, up to the maximum shown on the Schedule of Benefits, if You are delayed en route to or from Your Covered Trip for at least the number of hours shown on the Schedule of Benefits due to any of the Unforeseen Events listed below, occurring on or after the Effective Date of the Policy.

Additional Expenses include:

a. Any prepaid, unused, non-refundable Land/Sea/Air Arrangements;
b. Any reasonable additional expenses incurred (meals, accommodations, local transportation, and telephone calls);
c. An Economy Fare from the point where You interrupted Your Covered Trip to a destination where You can resume Your Covered Trip; or
d. A one-way Economy Fare to return You to Your originally scheduled Return Destination.

The following are the Unforeseen Events for Trip Delay:

1. You or Your Traveling Companion being directly involved in or delayed due to a traffic Accident substantiated by a police report, while en route to departure.
2. Strike that causes complete cessation of travel services of Your Common Carrier.
3. Inclement Weather, Natural Disasters, Terrorist Incident or the Common Carrier’s mechanical breakdown that results in the complete cessation of travel services at the point of departure or Destination.
4. Mandatory evacuation ordered by local authorities at Your Destination due to a Natural Disaster. You must have 50% or less of Your Covered Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable. We will only pay benefits for losses occurring within 30 calendar days after the evacuation order goes into effect.
5. A documented theft of passports or visas. Documented means that You have reported the theft to the local authorities.
6. You and/or Your Traveling Companion are hijacked.
7. You and/or Your Traveling Companion are Quarantined.
8. Adverse weather or Natural Disaster resulting in the obstruction of public roadways or curtailment of public transportation, that prevents Your ability to arrive at Your Land/Sea/Air Arrangements.

Quarantine means a mandatory confinement, intended to stop the spread of a contagious disease to which You or Your Traveling Companion may have been exposed. Quarantine does not include stay at home, shelter in place or other similar orders issued to the general public by local, state, or federal authorities.

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76

Safe Travels Armor

$1,000 per person
$150 daily limit
Covered after 12 hour delay

TRIP DELAY

We will pay Your additional expenses on a one-time basis, up to the maximum shown on the Schedule of Benefits, if You are delayed en route to or from Your Covered Trip for at least the number of hours shown on the Schedule of Benefits due to any of the Unforeseen Events listed below, occurring on or after the Effective Date of the Policy.

Additional Expenses include:

a) Any prepaid, unused, non-refundable Land/Sea/Air Arrangements;

b) Any reasonable additional expenses incurred (meals, accommodations, local transportation, and telephone calls);

c) An Economy Fare from the point where You interrupted Your Covered Trip to a destination where You can resume Your Covered Trip; or

d) A one-way Economy Fare to return You to Your originally scheduled Return Destination.

The following are the Unforeseen Events for Trip Delay:

1. You or Your Traveling Companion being directly involved in or delayed due to a traffic Accident substantiated by a police report, while en route to departure.

2. Strike that causes complete cessation of travel services of Your Common Carrier.

3. Inclement Weather, Natural Disasters, Terrorist Incident or the Common Carrier’s mechanical breakdown that results in the complete cessation of travel services at the point of departure or Destination.

4. Mandatory evacuation ordered by local authorities at Your Destination due to a Natural Disaster. You must have 50% or less of Your Covered Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable. We will only pay benefits for losses occurring within 30 calendar days after the evacuation order goes into effect.

5. A documented theft of passports or visas. Documented means that You have reported the theft to the local authorities.

6. You and/or Your Traveling Companion are hijacked.

7. You and/or Your Traveling Companion are Quarantined.

8. Adverse weather or Natural Disaster resulting in the obstruction of public roadways or curtailment of public transportation, that prevents Your ability to arrive at Your Land/Sea/Air Arrangements.

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USI Affinity Travel Insurance Services USI Affinity Travel Insurance Services
Policy Name and Summary of Coverage
77

Ruby

$1,000 per person
$150 daily limit
Covered after 6 hour delay

TRIP DELAY

We will pay Your additional expenses on a one-time basis, up to the maximum shown on the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for at least the number of hours shown on the Schedule of Benefits due to an Unforeseen Event For the Trip Cancellation and Trip Interruption benefits occurring on or after the Effective Date of the Policy.

Additional Expenses include:

a) any prepaid, unused, non-refundable land, air or water accommodations;

b) any reasonable additional expenses incurred (meals, accommodations, local transportation, and telephone calls);

c) an Economy Fare from the point where You interrupted Your Covered Trip to a destination where You can resume Your Covered Trip; or

d) a one-way Economy Fare to return You to Your originally scheduled return destination.

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78

Diamond

$1,500 per person
$250 daily limit
Covered after 6 hour delay

TRIP DELAY

We will pay Your additional expenses on a one-time basis, up to the maximum shown on the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for at least the number of hours shown on the Schedule of Benefits due to an Unforeseen Event For Trip Cancellation and Trip Interruption occurring on or after the Effective Date of the Policy.

Additional Expenses include:

a) any prepaid, unused, non-refundable land, air or water accommodations;

b) any reasonable additional expenses incurred (meals, accommodations, local transportation, and telephone calls);

c) an Economy Fare from the point where You interrupted Your Covered Trip to a destination where You can resume Your Covered Trip; or

d) a one-way Economy Fare to return You to Your originally scheduled return destination.

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WorldTrips WorldTrips
Policy Name and Summary of Coverage
79

Atlas International excl US

$200 per person
$100 daily limit
Covered after 12 hour delay

TRAVEL DELAY

YOU ARE COVERED FOR:

1. Reimbursement for reasonable accommodations and meals when your delay requires an unplanned overnight stay.

YOU ARE NOT COVERED unless you fulfill the following conditions:

1. The delay must be twelve (12) hours or more and certified due to the following reasons:

a. Delay of common carrier (which is certified by the common carrier); or

b. A traffic accident while en route to the point of departure from an airport outside of your home country (substantiated by a police report); or

c. Organized labor strike, or you being hijacked or quarantined; or

d. You being hijacked or quarantined; or

e. Your passports or travel documents are stolen (substantiated by a police report).

YOU ARE NOT COVERED IF:

1. Expenses arise directly or indirectly from anything in the General Exclusions.

Common Carrier means an airplane, bus, train or watercraft operating for commercial purposes and carrying fare-paying passengers on regularly scheduled and published routes.

Quarantine means your strict isolation imposed by a physician or government authority to prevent the spread of disease. An embargo preventing you from entering a country is not a quarantine.

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80

Atlas America incl US

$200 per person
$100 daily limit
Covered after 12 hour delay

TRAVEL DELAY

YOU ARE COVERED FOR:

1. Reimbursement for reasonable accommodations and meals when your delay requires an unplanned overnight stay.

YOU ARE NOT COVERED unless you fulfill the following conditions:

1. The delay must be twelve (12) hours or more and certified due to the following reasons:

a. Delay of common carrier (which is certified by the common carrier); or

b. A traffic accident while en route to the point of departure from an airport outside of your home country (substantiated by a police report); or

c. Organized labor strike, or you being hijacked or quarantined; or

d. You being hijacked or quarantined; or

e. Your passports or travel documents are stolen (substantiated by a police report).

YOU ARE NOT COVERED IF:

1. Expenses arise directly or indirectly from anything in the General Exclusions.

Common Carrier means an airplane, bus, train or watercraft operating for commercial purposes and carrying fare-paying passengers on regularly scheduled and published routes.

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81

Atlas Premium International excl US

$400 per person
$200 daily limit
Covered after 12 hour delay

TRAVEL DELAY

YOU ARE COVERED:

1. Reimbursement for reasonable accommodations and meals when your delay requires an unplanned overnight stay.

YOU ARE NOT COVERED unless you fulfill the following conditions:

1. The delay must be twelve (12) hours or more and certified due to the following reasons:

a. Delay of common carrier (which is certified by the common carrier); or

b. A traffic accident while en route to the point of departure from an airport outside of your home country (substantiated by a police report); or

c. Organized labor strike, or you being hijacked or quarantined; or

d. You being hijacked or quarantined; or

e. Your passports or travel documents are stolen (substantiated by a police report)

YOU ARE NOT COVERED IF:

1. Expenses arise directly or indirectly from anything in the General Exclusions.

Common Carrier means an airplane, bus, train or watercraft operating for commercial purposes and carrying fare-paying passengers on regularly scheduled and published routes.

Quarantine means your strict isolation imposed by a physician or government authority to prevent the spread of disease. An embargo preventing you from entering a country is not a quarantine.

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82

Atlas Premium America incl US

$400 per person
$200 daily limit
Covered after 12 hour delay

TRAVEL DELAY

YOU ARE COVERED FOR:

1. Reimbursement for reasonable accommodations and meals when your delay requires an unplanned overnight stay.

YOU ARE NOT COVERED unless you fulfill the following conditions:

1. The delay must be twelve (12) hours or more and certified due to the following reasons:

a. Delay of common carrier (which is certified by the common carrier); or

b. A traffic accident while en route to the point of departure from an airport outside of your home country (substantiated by a police report); or

c. Organized labor strike, or you being hijacked or quarantined; or

d. You being hijacked or quarantined; or

d. Your passports or travel documents are stolen (substantiated by a police report)

YOU ARE NOT COVERED IF:

1. Expenses arise directly or indirectly from anything in the General Exclusions.

Common Carrier means an airplane, bus, train or watercraft operating for commercial purposes and carrying fare-paying passengers on regularly scheduled and published routes.

Quarantine means your strict isolation imposed by a physician or government authority to prevent the spread of disease. An embargo preventing you from entering a country is not a quarantine.

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83

Atlas Journey Economy

$500 per person
$100 daily limit
Covered after 5 hour delay

Travel Delay

If You are delayed for five (5) hours or more while en route to, during, or returning from Your Trip, due to a covered Travel Delay event listed below, We will reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the costs You pay for reasonable and necessary accommodations, meals, telephone calls and local transportation while You are delayed. When presenting a claim for these benefits, You must provide written confirmation of the reason for delay, including but not limited to, the scheduled departure and return dates and times, and the actual departure and return dates and times.

For a covered Travel Delay, We will also reimburse You for the following:

1. Up to the sub-limit listed in the Schedule of Benefits for expenses You paid for internet usage fees at the airport where You are experiencing a flight delay of five (5) hours or more;

2. Up to the sub-limit listed in the Schedule of Benefits for the cost paid for one movie rental, in the event Your delay results in an unscheduled overnight stay outside of Your Home city (not including adult movies with an “NC-17” rating according to the Classification and Rating Administration (CARA)).

For this benefit, a covered Travel Delay event shall mean:

a. any covered Unforeseen Trip Cancellation or Trip Interruption reason;

b. any officially documented delay of Your Common Carrier;

c. a traffic accident in which You or Your Traveling Companion are directly involved while en route to departure (must be substantiated by a police report or documentation);

d. Your or Your Traveling Companion’s lost or stolen passport(s), visa(s) or travel documents (must be substantiated by a police report);

e. Quarantine, hijacking, Strike, Natural Disaster, Terrorist Incident, Cyber Terrorism, Civil Disorder or Riot;

f. a road closure due to severe weather or local transportation authority preventing You from getting to the point of departure for Your Trip (must be substantiated by the department of transportation, state police, etc.);

g. Your Sickness or Injury, or the Sickness, Injury or death of Your Traveling Companion;

h. You are unable to secure an assigned seat as a ticketed passenger on a flight (not including voluntarily giving up Your seat on an overbooked flight).

Quarantine means Your strict isolation imposed by a government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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84

Atlas Journey Preferred

$2,000 per person
$150 daily limit
Covered after 5 hour delay

Travel Delay

If You are delayed for five (5) hours or more while en route to, during, or returning from Your Trip, due to a covered Travel Delay event listed below, We will reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the costs You pay for reasonable and necessary accommodations, meals, telephone calls and local transportation while You are delayed. When presenting a claim for these benefits, You must provide written confirmation of the reason for delay, including but not limited to, the scheduled departure and return dates and times, and the actual departure and return dates and times.

For a covered Travel Delay, We will also reimburse You for the following:

1. Up to the sub-limit listed in the Schedule of Benefits for expenses You paid for internet usage fees at the airport where You are experiencing a flight delay of five (5) hours or more;

2. Up to the sub-limit listed in the Schedule of Benefits for the cost paid for one movie rental, in the event Your delay results in an unscheduled overnight stay outside of Your Home city (not including adult movies with an “NC-17” rating according to the Classification and Rating Administration (CARA)).

For this benefit, a covered Travel Delay event shall mean:

a. any covered Unforeseen Trip Cancellation or Trip Interruption reason;

b. any officially documented delay of Your Common Carrier;

c. a traffic accident in which You or Your Traveling Companion are directly involved while en route to departure (must be substantiated by a police report or documentation);

d. Your or Your Traveling Companion’s lost or stolen passport(s), visa(s) or travel documents (must be substantiated by a police report);

e. Quarantine, hijacking, Strike, Natural Disaster, Terrorist Incident, Cyber Terrorism, Civil Disorder or Riot;

f. a road closure due to severe weather or local transportation authority preventing You from getting to the point of departure for Your Trip (must be substantiated by the department of transportation, state police, etc.);

g. Your Sickness or Injury, or the Sickness, Injury or death of Your Traveling Companion;

h. You are unable to secure an assigned seat as a ticketed passenger on a flight (not including voluntarily giving up Your seat on an overbooked flight).

Quarantine means Your strict isolation imposed by a government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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85

Atlas Journey Premier

$2,000 per person
$200 daily limit
Covered after 5 hour delay

Travel Delay

If You are delayed for five (5) hours or more while en route to, during, or returning from Your Trip, due to a covered Travel Delay event listed below, We will reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the costs You pay for reasonable and necessary accommodations, meals, telephone calls and local transportation while You are delayed. When presenting a claim for these benefits, You must provide written confirmation of the reason for delay, including but not limited to, the scheduled departure and return dates and times, and the actual departure and return dates and times.

For a covered Travel Delay, We will also reimburse You for the following:

1. Up to the sub-limit listed in the Schedule of Benefits for expenses You paid for internet usage fees at the airport where You are experiencing a flight delay five (5) hours or more;

2. Up to the sub-limit listed in the Schedule of Benefits for the cost paid for one movie rental, in the event Your delay results in an unscheduled overnight stay outside of Your Home city (not including adult movies with an “NC-17” rating according to the Classification and Rating Administration (CARA)).

For this benefit, a covered Travel Delay event shall mean:

a. any covered Unforeseen Trip Cancellation or Trip Interruption reason;

b. any officially documented delay of Your Common Carrier;

c. a traffic accident in which You or Your Traveling Companion are directly involved while en route to departure (must be substantiated by a police report or documentation);

d. Your or Your Traveling Companion’s lost or stolen passport(s), visa(s) or travel documents (must be substantiated by a police report);

e. Quarantine, hijacking, Strike, Natural Disaster, Terrorist Incident, Cyber Terrorism, Civil Disorder or Riot;

f. a road closure due to severe weather or local transportation authority preventing You from getting to the point of departure for Your Trip (must be substantiated by the department of transportation, state police, etc.);

g. Your Sickness or Injury, or the Sickness, Injury or death of Your Traveling Companion;

h. You are unable to secure an assigned seat as a ticketed passenger on a flight (not including voluntarily giving up Your seat on an overbooked flight).

Quarantine means Your strict isolation imposed by a government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.

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