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

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

View full coverage summary for Travel Delay for the policies below

Air Ambulance Card
Air Ambulance Card

1

Air Ambulance Card - Standard Annual
Air Ambulance Card

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

2

Air Ambulance Card - Extended Stay 6 Months
Air Ambulance Card

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

3

Air Ambulance Card - Extended Stay 12 Months
Air Ambulance Card

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

APRIL Travel Protection
APRIL Travel Protection

4

Economy Plan
APRIL Travel Protection

Travel Delay Benefits
$750 per person $100 daily limit Covered after 6 hour delay

Quote

Full Policy Wording

TRIP DELAY

We will pay You for Additional Expenses on a one-time basis, up to the maximum shown in the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for 6 or more hours due to the Unforeseen events listed under Trip Cancellation and Trip Interruption. Additional Expenses include:

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

b) any reasonable Additional Expenses incurred;

c) an economy fare from the point where You ended 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.

5

VIP Plan
APRIL Travel Protection

Travel Delay Benefits
$1,500 per person $200 daily limit Covered after 6 hour delay

Quote

Full Policy Wording

TRIP DELAY

We will pay You for Additional Expenses on a one-time basis, up to the maximum shown in the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for 6 or more hours due to the Unforeseen events listed under Trip Cancellation and Trip Interruption.

Additional Expenses include:

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

b) any reasonable Additional Expenses incurred;

c) an economy fare from the point where You ended 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.

6

Trip Cancellation Plan
APRIL Travel Protection

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

7

Multi-Trip Plan Universal
APRIL Travel Protection

Travel Delay Benefits
$750 per person $100 daily limit Covered after 6 hour delay

Quote

Full Policy Wording

TRIP DELAY

We will pay You for Additional Expenses on a one-time basis, up to the maximum shown in the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for 6 or more hours due to the Unforeseen events listed under Trip Cancellation and Trip Interruption. Additional Expenses include:

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

b) any reasonable Additional Expenses incurred;

c) an economy fare from the point where You ended 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.

8

Multi-Trip Plan Elite
APRIL Travel Protection

Travel Delay Benefits
$1,500 per person $200 daily limit Covered after 6 hour delay

Quote

Full Policy Wording

TRIP DELAY

We will pay You for Additional Expenses on a one-time basis, up to the maximum shown in the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for 6 or more hours due to the Unforeseen events listed under Trip Cancellation and Trip Interruption. Additional Expenses include:

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

b) any reasonable Additional Expenses incurred;

c) an economy fare from the point where You ended 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.

9

Choice
APRIL Travel Protection

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

Quote

Full Policy Wording

TRIP DELAY

We will pay You for additional expenses on a one-time basis, up to the maximum shown in the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for 6 or more hours due a defined Hazard.

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 ended Your Covered Trip to a destination where You can resume Your Covered Trip;

d) a one-way economy fare to return You to Your originally scheduled return destination.

We will pay the daily benefit shown in the Schedule of Benefits for up to the maximum number of days shown.

AXA Assistance USA
AXA Assistance USA

10

Silver
AXA Assistance USA

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

Quote

Full Policy Wording

TRIP DELAY

We will pay You for additional expenses on a one-time basis, up to the maximum shown in the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for 12 or more hours due to a defined Hazard.

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 ended 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.

We will pay the daily benefit shown in the Schedule of Benefits for up to the maximum number of days shown.

11

Gold
AXA Assistance USA

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

Quote

Full Policy Wording

TRIP DELAY

We will pay You for additional expenses on a one-time basis, up to the maximum shown in the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for 12 or more hours due to a defined Hazard.

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 ended 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.

We will pay the daily benefit shown in the Schedule of Benefits for up to the maximum number of days shown.

12

Platinum
AXA Assistance USA

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

Quote

Full Policy Wording

TRIP DELAY

We will pay You for additional expenses on a one-time basis, up to the maximum shown in the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for 12 or more hours due to the events listed under Trip Cancellation and Trip Interruption.

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 ended Your Covered Trip to a destination where You can resume YourCovered Trip; or

d) a one-way economy fare to return You to Your originally scheduled return destination.

We will pay the daily benefit shown in the Schedule of Benefits for up to the maximum number of days shown.

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

13

Beacon America incl US
Azimuth Risk Solutions, LLC

Travel Delay Benefits
$100 per person Covered after 12 hour delay

Quote

Full Policy Wording

32.6 TRIP DELAY/MISSED CONNECTION-­‐ After departure from the Participating Member’s Home Country, and after the Effective Date of Insurance, the Beacon Series will reimburse up to $100 per day for reasonable accommodations and meals, a Participating Member’s delay requires an unplanned overnight stay; Delay must be twelve (12) hours or more and certified due to the following reasons:

32.6.1 delay of Common Carrier (which is certified by the Common Carrier);

32.6.2 a traffic accident while enroot to the point of departure from an airport outside of your Home Country (substantiated by a police report);

32.6.3 Organized Labor Strike, or you or Your Traveling Companion being hijacked or quarantined;

32.6.4 Stolen passports, travel documents and (substantiated by a police report).

14

Beacon International excl US
Azimuth Risk Solutions, LLC

Travel Delay Benefits
$100 per person Covered after 12 hour delay

Quote

Full Policy Wording

32.6 TRIP DELAY/MISSED CONNECTION-­‐ After departure from the Participating Member’s Home Country, and after the Effective Date of Insurance, the Beacon Series will reimburse up to $100 per day for reasonable accommodations and meals, a Participating Member’s delay requires an unplanned overnight stay; Delay must be twelve (12) hours or more and certified due to the following reasons:

32.6.1 delay of Common Carrier (which is certified by the Common Carrier);

32.6.2 a traffic accident while enroot to the point of departure from an airport outside of your Home Country (substantiated by a police report);

32.6.3 Organized Labor Strike, or you or Your Traveling Companion being hijacked or quarantined;

32.6.4 Stolen passports, travel documents and (substantiated by a police report).

CSA Travel Protection
CSA Travel Protection

15

Custom
CSA Travel Protection

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

Quote

Full Policy Wording

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.

GeoBlue
GeoBlue

16

Voyager Choice
GeoBlue

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

17

Voyager Essential
GeoBlue

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

18

Trekker Choice excl US
GeoBlue

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

19

Trekker Essential excl US
GeoBlue

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

Global Alert
Global Alert

20

Essentials
Global Alert

Travel Delay Benefits
$250 per person $100 daily limit Covered after 9 hour delay

Quote

Full Policy Wording

TRIP DELAY

We will pay You for additional expenses on a one-time basis, up to the maximum shown in the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for 9 or more hours due to a defined Hazard.

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 ended 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.

We will pay the daily benefit shown in the Schedule of Benefits for up to the maximum number of days shown.

21

Preferred
Global Alert

Travel Delay Benefits
$500 per person $100 daily limit Covered after 9 hour delay

Quote

Full Policy Wording

TRIP DELAY

We will pay You for additional expenses on a one-time basis, up to the maximum shown in the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for 9 or more hours due to a defined Hazard.

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 ended 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.

We will pay the daily benefit shown in the Schedule of Benefits for up to the maximum number of days shown.

22

Preferred Plus
Global Alert

Travel Delay Benefits
$1,000 per person $250 daily limit Covered after 9 hour delay

Quote

Full Policy Wording

TRIP DELAY

We will pay You for additional expenses on a one-time basis, up to the maximum shown in the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for 9 or more hours due to a defined Hazard.

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 ended 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.

We will pay the daily benefit shown in the Schedule of Benefits for up to the maximum number of days shown.

HCC Medical Insurance Services
HCC Medical Insurance Services

23

Atlas International excl US
HCC Medical Insurance Services

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

Quote

Full Policy Wording

ELIGIBLE EXPENSESTRAVEL DELAY

1. Reimbursement for reasonable accommodations and meals when a Member’s delay requires an unplanned overnight stay.

Underwriters will provide the above benefit only when the Conditions and Restrictions in this policy are met and 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)

b) a traffic accident while enroute to the point of departure from an airport outside of the Member’s Home Country (substantiated by a police report)

c) Organized Labor Strike, or the Member being hijacked or quarantined;

d) Stolen passports, travel documents and (substantiated by a police report).

24

Atlas MultiTrip incl US
HCC Medical Insurance Services

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

Quote

Full Policy Wording

ELIGIBLE EXPENSESTRAVEL DELAY

1. Reimbursement for reasonable accommodations and meals when a Member’s delay requires an unplanned overnight stay.

Underwriters will provide the above benefit only when the Conditions and Restrictions in this policy are met and 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)

b) a traffic accident while enroute to the point of departure from an airport outside of the Member’s Home Country (substantiated by a police report)

c) Organized Labor Strike, or the Member being hijacked or quarantined;

d) Stolen passports, travel documents and (substantiated by a police report).

25

Atlas MultiTrip excl US
HCC Medical Insurance Services

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

Quote

Full Policy Wording

ELIGIBLE EXPENSESTRAVEL DELAY

1. Reimbursement for reasonable accommodations and meals when a Member’s delay requires an unplanned overnight stay.

Underwriters will provide the above benefit only when the Conditions and Restrictions in this policy are met and 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)

b) a traffic accident while enroute to the point of departure from an airport outside of the Member’s Home Country (substantiated by a police report)

c) Organized Labor Strike, or the Member being hijacked or quarantined;

d) Stolen passports, travel documents and (substantiated by a police report).

HTH Travel Insurance
HTH Travel Insurance

26

TravelGap Voyager excl US
HTH Travel Insurance

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

27

TripProtector Preferred
HTH Travel Insurance

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

Quote

Full Policy Wording

TRIP DELAY

The Company will reimburse You for Covered Expenses on a one-time basis, up to the Maximum Benefit shown on the Confirmation of Coverage, 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 Expenses:

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

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

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

28

TravelGap Multi-Trip Silver excl US
HTH Travel Insurance

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

29

TravelGap Multi-Trip Gold excl US
HTH Travel Insurance

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

30

TravelGap Excursion excl US
HTH Travel Insurance

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

31

TripProtector Economy
HTH Travel Insurance

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

Quote

Full Policy Wording

TRIP DELAY

The Company will reimburse You for Covered Expenses on a one-time basis, up to the Maximum Benefit shown on the Confirmation of Coverage, 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 Expenses:

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

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

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

32

TripProtector Classic
HTH Travel Insurance

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

Quote

Full Policy Wording

TRIP DELAY

The Company will reimburse You for Covered Expenses on a one-time basis, up to the Maximum Benefit shown on the Confirmation of Coverage, 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 Expenses:

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

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

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

InsureandGo USA
InsureandGo USA

33

Silver
InsureandGo USA

Travel Delay Benefits
$250 per person $100 daily limit Covered after 6 hour delay

Quote

Full Policy Wording

TRIP DELAY

The Company will reimburse You for Covered Expenses on a one-time basis, up to the limit shown on Your Confirmation of Coverage, if You are delayed en route to or from the Covered Trip for six (6) or more hours due to a defined Hazard. Covered Expenses for the purpose of this coverage only are:

a) any reasonable Additional Expense s incurred by You including hotel accommodations, meals, telephone calls and local transportation while You were delayed. The Company will not pay benefits for expenses incurred after travel becomes possible

b) any prepaid, unused, non-refundable land and water accommodations;

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

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

34

Gold
InsureandGo USA

Travel Delay Benefits
$250 per person $150 daily limit Covered after 6 hour delay

Quote

Full Policy Wording

TRIP DELAY

The Company will reimburse You for Covered Expenses on a one-time basis, up to the limit shown on Your Confirmation of Coverage, if You are delayed en route to or from the Covered Trip for six (6) or more hours due to a defined Hazard. Covered Expenses for the purpose of this coverage only are:

a) any reasonable Additional Expense s incurred by You including hotel accommodations, meals, telephone calls and local transportation while You were delayed. The Company will not pay benefits for expenses incurred after travel becomes possible

b) any prepaid, unused, non-refundable land and water accommodations;

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

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

35

Platinum
InsureandGo USA

Travel Delay Benefits
$500 per person $200 daily limit Covered after 6 hour delay

Quote

Full Policy Wording

TRIP DELAY

The Company will reimburse You for Covered Expenses on a one-time basis, up to the limit shown on Your Confirmation of Coverage, if You are delayed en route to or from the Covered Trip for six (6) or more hours due to a defined Hazard. Covered Expenses for the purpose of this coverage only are:

a) any reasonable Additional Expense s incurred by You including hotel accommodations, meals, telephone calls and local transportation while You were delayed. The Company will not pay benefits for expenses incurred after travel becomes possible

b) any prepaid, unused, non-refundable land and water accommodations;

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

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

36

Global Silver excl US
InsureandGo USA

Travel Delay Benefits
$250 per person $100 daily limit Covered after 6 hour delay

Quote

Full Policy Wording

TRIP DELAY

The Company will reimburse You for Covered Expenses on a one-time basis, up to the limit shown on Your Confirmation of Coverage, if You are delayed en route to or from the Covered Trip for six (6) or more hours due to a defined Hazard. Covered Expenses for the purpose of this coverage only are:

a) any reasonable Additional Expense s incurred by You including hotel accommodations, meals, telephone calls and local transportation while You were delayed. The Company will not pay benefits for expenses incurred after travel becomes possible

b) any prepaid, unused, non-refundable land and water accommodations;

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

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

37

Global Gold excl US
InsureandGo USA

Travel Delay Benefits
$250 per person $150 daily limit Covered after 6 hour delay

Quote

Full Policy Wording

TRIP DELAY

The Company will reimburse You for Covered Expenses on a one-time basis, up to the limit shown on Your Confirmation of Coverage, if You are delayed en route to or from the Covered Trip for six (6) or more hours due to a defined Hazard. Covered Expenses for the purpose of this coverage only are:

a) any reasonable Additional Expense s incurred by You including hotel accommodations, meals, telephone calls and local transportation while You were delayed. The Company will not pay benefits for expenses incurred after travel becomes possible

b) any prepaid, unused, non-refundable land and water accommodations;

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

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

38

Global Platinum excl US
InsureandGo USA

Travel Delay Benefits
$500 per person $200 daily limit Covered after 6 hour delay

Quote

Full Policy Wording

TRIP DELAY

The Company will reimburse You for Covered Expenses on a one-time basis, up to the limit shown on Your Confirmation of Coverage, if You are delayed en route to or from the Covered Trip for six (6) or more hours due to a defined Hazard. Covered Expenses for the purpose of this coverage only are:

a) any reasonable Additional Expense s incurred by You including hotel accommodations, meals, telephone calls and local transportation while You were delayed. The Company will not pay benefits for expenses incurred after travel becomes possible

b) any prepaid, unused, non-refundable land and water accommodations;

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

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

39

Cruise Select
InsureandGo USA

Travel Delay Benefits
$750 per person Covered after 6 hour delay

Quote

Full Policy Wording

TRIP DELAY

The Company will reimburse You for Covered Expenses on a one‐time basis, up to the limit shown on Your Confirmation of Coverage, if You are delayed en route to or from the Covered Trip for six (6) or more hours due to a defined Hazard.

Covered Expenses for the purpose of this coverage only are:

a) any reasonable Additional Expense s incurred by You including hotel accommodations, meals, telephone 
calls and local transportation while You were delayed. The Company will not pay benefits for expenses incurred after travel becomes possible

b) any prepaid, unused, non‐refundable land and water accommodations;

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

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

40

Cruise Preferred
InsureandGo USA

Travel Delay Benefits
$1,000 per person Covered after 6 hour delay

Quote

Full Policy Wording

TRIP DELAY

The Company will reimburse You for Covered Expenses on a one‐time basis, up to the limit shown on Your Confirmation of Coverage, if You are delayed en route to or from the Covered Trip for six (6) or more hours due to a defined Hazard.

Covered Expenses for the purpose of this coverage only are:

a) any reasonable Additional Expense s incurred by You including hotel accommodations, meals, telephone 
calls and local transportation while You were delayed. The Company will not pay benefits for expenses incurred after travel becomes possible

b) any prepaid, unused, non‐refundable land and water accommodations;

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

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

iTravelInsured
iTravelInsured

41

Travel Lite
iTravelInsured

Travel Delay Benefits
$500 per person $125 daily limit Covered after 6 hour delay

Quote

Full Policy Wording

TRAVEL DELAY

Benefits will be paid up to $125 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 Declarations Page, if You are delayed for 6 hours or more while enrooted 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.

42

Travel SE
iTravelInsured

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

Quote

Full Policy Wording

TRAVEL DELAY

Benefits will be paid up to $125 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 Declarations Page, if You are delayed for 12 hours or more while enrooted 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);

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 unable to collect cat or dog on the day previously agreed with the kennel, benefits will be paid up to $100 per day, up to $300 to cover the necessary additional kennel fees.

You 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;

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

When You are delayed en route to or from Your Trip, We will also reimburse You :

1. Up to $50 for expenses incurred directly related to internet usage fees incurred while You are experiencing a Common Carrier delay. Receipts for the expenses incurred must be submitted for reimbursement;

2. Up to $15 for one movie, in the event Your delay results in an unscheduled overnight stay (other than in Your home residence) if You are delayed en route to or from Your Trip. This does not include movie rentals that are rated “X” or above by the Classification and rating Administration (CARA).

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.

43

Travel SE
iTravelInsured

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

Quote

Full Policy Wording

TRAVEL DELAY

Benefits will be paid up to $125 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 Declarations Page, if You are delayed for 12 hours or more while enrooted 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);

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 unable to collect cat or dog on the day previously agreed with the kennel, benefits will be paid up to $100 per day, up to $300 to cover the necessary additional kennel fees.

You 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;

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

When You are delayed en route to or from Your Trip, We will also reimburse You :

1. Up to $50 for expenses incurred directly related to internet usage fees incurred while You are experiencing a Common Carrier delay. Receipts for the expenses incurred must be submitted for reimbursement;

2. Up to $15 for one movie, in the event Your delay results in an unscheduled overnight stay (other than in Your home residence) if You are delayed en route to or from Your Trip. This does not include movie rentals that are rated “X” or above by the Classification and rating Administration (CARA).

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.

44

Travel LX
iTravelInsured

Travel Delay Benefits
$1,000 per person $250 daily limit Covered after 6 hour delay

Quote

Full Policy Wording

TRAVEL DELAY

Benefits will be paid up to $250 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 Declarations Page, if You are delayed for 6 hours or more while enrooted 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);

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 unable to collect cat or dog on the day previously agreed with the kennel, benefits will be paid up to $100 per day, up to $500 to cover the necessary additional kennel fees.

You 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;

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

When You are delayed en route to or from Your Trip, We will also reimburse You :

1. Up to $100 for airline club admission incurred at a sponsored airline club at the airport during which time You are experiencing a flight delay of 6 hours or more. Receipts for the expenses incurred must be submitted for reimbursement;

2. Up to $50 for expenses incurred directly related to internet usage fees incurred while You are experiencing a Common Carrier delay. Receipts for the expenses incurred must be submitted for reimbursement;

3. Up to $15 for one movie, in the event Your delay results in an unscheduled overnight stay (other than in Your home residence) if You are delayed en route to or from Your Trip. This does not include movie rentals that are rated “X” or above by the Classification and rating Administration (CARA).

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.

45

Travel LX
iTravelInsured

Travel Delay Benefits
$1,000 per person $250 daily limit Covered after 6 hour delay

Quote

Full Policy Wording

TRAVEL DELAY

Benefits will be paid up to $250 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 Declarations Page, if You are delayed for 6 hours or more while enrooted 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);

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 unable to collect cat or dog on the day previously agreed with the kennel, benefits will be paid up to $100 per day, up to $500 to cover the necessary additional kennel fees.

You 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;

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

When You are delayed en route to or from Your Trip, We will also reimburse You :

1. Up to $100 for airline club admission incurred at a sponsored airline club at the airport during which time You are experiencing a flight delay of 6 hours or more. Receipts for the expenses incurred must be submitted for reimbursement;

2. Up to $50 for expenses incurred directly related to internet usage fees incurred while You are experiencing a Common Carrier delay. Receipts for the expenses incurred must be submitted for reimbursement;

3. Up to $15 for one movie, in the event Your delay results in an unscheduled overnight stay (other than in Your home residence) if You are delayed en route to or from Your Trip. This does not include movie rentals that are rated “X” or above by the Classification and rating Administration (CARA).

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.

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

46

Bronze
John Hancock Insurance Agency, Inc.

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

Quote

Full Policy Wording

TRIP DELAY

We will pay You for additional expenses on a one-time basis, up to the maximum shown in the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for 6 or more hours due to the Unforeseen events listed under Trip Cancellation and Trip Interruption.

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 ended 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.

We will pay the daily benefit shown in the Schedule of Benefits for up to the maximum number of days shown.

47

Silver
John Hancock Insurance Agency, Inc.

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

Quote

Full Policy Wording

TRIP DELAY

We will pay You for additional expenses on a one-time basis, up to the maximum shown in the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for 3 or more hours due to the Unforeseen events listed under Trip Cancellation and Trip Interruption.

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 ended 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.

We will pay the daily benefit shown in the Schedule of Benefits for up to the maximum number of days shown.

48

Gold
John Hancock Insurance Agency, Inc.

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

Quote

Full Policy Wording

TRIP DELAY

We will pay You for additional expenses on a one-time basis, up to the maximum shown in the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for 3 or more hours due to the Unforeseen events listed under Trip Cancellation and Trip Interruption.

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 ended 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.

We will pay the daily benefit shown in the Schedule of Benefits for up to the maximum number of days shown.

MedjetAssist
MedjetAssist

49

Annual Membership
MedjetAssist

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

50

MedjetAssist Extended Stay
MedjetAssist

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

51

MedjetAssist Short Term Plan
MedjetAssist

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

MH Ross Travel Insurance Services
MH Ross Travel Insurance Services

52

Asset Plus
MH Ross Travel Insurance Services

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

Quote

Full Policy Wording

TRAVEL 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. Coverage begins after You have traveled 100 miles or more from home en route to join Your Trip.

We will also reimburse You for the following:

1. up to $25 per day, to cover the necessary additional kennel fees, if Your delay is to Your final destination and You have placed Your cat or dog in a kennel for the duration of the Trip and are unable to collect Your cat or dog on the day previously agreed with the kennel;

2. up to $50 for airline club admission at the airport where You are experiencing a flight delay of 4 hours or more;

3. up to $25 for expenses You incur for internet usage fees at the airport where You are experiencing a flight delay of 4 hours or more.

For the purposes of this benefit:
“Travel Hazard” means delay caused by or resulting from:

a) any delay of Your Common Carrier (the delay must be documented by the 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, terrorism 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.

Travel 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.

53

Bridge
MH Ross Travel Insurance Services

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

Quote

Full Policy Wording

TRAVEL 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. Coverage begins after You have traveled 100 miles or more from home en route to join Your Trip.

We will also reimburse You for the following:

1. up to $25 per day, to cover the necessary additional kennel fees, if Your delay is to Your final destination and You have placed Your cat or dog in a kennel for the duration of the Trip and are unable to collect Your cat or dog on the day previously agreed with the kennel;

2. up to $50 for airline club admission at the airport where You are experiencing a flight delay of 4 hours or more;

3. up to $25 for expenses You incur for internet usage fees at the airport where You are experiencing a flight delay of 4 hours or more.

For the purposes of this benefit:
“Travel Hazard” means delay caused by or resulting from:

a) any delay of Your Common Carrier (the delay must be documented by the 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, terrorism 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.

Travel 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.

54

Complete
MH Ross Travel Insurance Services

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

Quote

Full Policy Wording

TRAVEL 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. Coverage begins after You have traveled 100 miles or more from home en route to join Your Trip.

We will also reimburse You for the following:

1. up to $25 per day, to cover the necessary additional kennel fees, if Your delay is to Your final destination and You have placed Your cat or dog in a kennel for the duration of the Trip and are unable to collect Your cat or dog on the day previously agreed with the kennel;

2. up to $50 for airline club admission at the airport where You are experiencing a flight delay of 4 hours or more;

3. up to $25 for expenses You incur for internet usage fees at the airport where You are experiencing a flight delay of 4 hours or more.

For the purposes of this benefit:
“Travel Hazard” means delay caused by or resulting from:

a) any delay of Your Common Carrier (the delay must be documented by the 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, terrorism 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.

Travel 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.

55

Asset
MH Ross Travel Insurance Services

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

Quote

Full Policy Wording

TRAVEL 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. Coverage begins after You have traveled 100 miles or more from home en route to join Your Trip.

We will also reimburse You for the following:

1. up to $25 per day, to cover the necessary additional kennel fees, if Your delay is to Your final destination and You have placed Your cat or dog in a kennel for the duration of the Trip and are unable to collect Your cat or dog on the day previously agreed with the kennel;

2. up to $50 for airline club admission at the airport where You are experiencing a flight delay of 4 hours or more;

3. up to $25 for expenses You incur for internet usage fees at the airport where You are experiencing a flight delay of 4 hours or more.

For the purposes of this benefit:
“Travel Hazard” means delay caused by or resulting from:

a) any delay of Your Common Carrier (the delay must be documented by the 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, terrorism 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.

Travel 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.

Protect Your Bubble
Protect Your Bubble

56

Basic Plan
Protect Your Bubble

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

Quote

Full Policy Wording

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, telephone calls and local transportation while You are delayed.

We will also reimburse You for the following: up to $100 per day, to cover the necessary additional kennel fees, if Your delay is to Your final destination and You have placed Your cat or dog in a kennel for the duration of the Trip and are unable to collect Your cat or dog on the day previously agreed with the kennel.

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, terrorism 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.

57

Deluxe Plan
Protect Your Bubble

Travel Delay Benefits
$1,000 per person $100 daily limit Covered after 6 hour delay

Quote

Full Policy Wording

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, telephone calls and local transportation while You are delayed.

We will also reimburse You for the following: up to $100 per day, to cover the necessary additional kennel fees, if Your delay is to Your final destination and You have placed Your cat or dog in a kennel for the duration of the Trip and are unable to collect Your cat or dog on the day previously agreed with the kennel.

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, terrorism 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.

RoamRight
RoamRight

58

Essential
RoamRight

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

Quote

Full Policy Wording

TRIP DELAY

The Company will reimburse You for covered expenses on a one-time basis, up to the maximum shown on Your Confirmation of Benefits, if You are delayed en route to or from the Trip for twelve (12) or more hours due to a defined Hazard:

Covered expenses Include:
a) Any prepaid, unused, non-refundable land/sea accommodations; or
b) Any reasonable additional transportation 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; or
d) A one-way Economy Fare to return You to Your originally scheduled return destination.
e) Meals and accommodations limited to $200 per day.

59

Essential
RoamRight

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

Quote

Full Policy Wording

TRIP DELAY

If You are delayed for 12 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, terrorism 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.

60

Preferred
RoamRight

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

Quote

Full Policy Wording

TRIP DELAY

The Company will reimburse You for covered expenses on a one-time basis, up to the maximum shown on Your Confirmation of Benefits, if You are delayed en route to or from the Trip for six (6) or more hours due to a defined Hazard:

Covered expenses Include:
a) Any prepaid, unused, non-refundable land/sea accommodations; or
b) Any reasonable additional transportation 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; or
d) A one-way Economy Fare to return You to Your originally scheduled return destination.
e) Meals and accommodations limited to $200 per day.

61

Preferred
RoamRight

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

Quote

Full Policy Wording

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, terrorism 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.

62

Elite
RoamRight

Travel Delay Benefits
$1,500 per person $200 daily limit Covered after 6 hour delay

Quote

Full Policy Wording

TRIP DELAY

The Company will reimburse You for covered expenses on a one-time basis, up to the maximum shown on Your Confirmation of Benefits, if You are delayed en route to or from the Trip for six (6) or more hours due to a defined Hazard:

Covered expenses Include:
a) Any prepaid, unused, non-refundable land/sea accommodations; or
b) Any reasonable additional transportation 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; or
d) A one-way Economy Fare to return You to Your originally scheduled return destination.
e) Meals and accommodations limited to $200 per day.

63

Elite
RoamRight

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

Quote

Full Policy Wording

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, terrorism 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.

64

Active
RoamRight

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

Quote

Full Policy Wording

TRIP DELAY

The Company will reimburse You for covered expenses on a one-time basis, up to the maximum shown on Your Confirmation of Benefits, if You are delayed en route to or from the Trip for six (6) or more hours due to a defined Hazard:

Covered expenses Include:
a) Any prepaid, unused, non-refundable land/sea accommodations; or
b) Any reasonable additional transportation 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; or
d) A one-way Economy Fare to return You to Your originally scheduled return destination.
e) Meals and accommodations limited to $200 per day.

65

Active
RoamRight

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

Quote

Full Policy Wording

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, terrorism 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.

66

Adventure
RoamRight

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

Quote

Full Policy Wording

TRIP DELAY

The Company will reimburse You for covered expenses on a one-time basis, up to the maximum shown on Your Confirmation of Benefits, if You are delayed en route to or from the Trip for six (6) or more hours due to a defined Hazard:

Covered expenses Include:
a) Any prepaid, unused, non-refundable land/sea accommodations; or
b) Any reasonable additional transportation 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; or
d) A one-way Economy Fare to return You to Your originally scheduled return destination.
e) Meals and accommodations limited to $200 per day.

67

Adventure
RoamRight

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

Quote

Full Policy Wording

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, terrorism 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.

68

Multi-Trip
RoamRight

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

69

Multi-Trip Medical excl US
RoamRight

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

70

Medical excl US
RoamRight

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

71

Evacuation
RoamRight

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

Seven Corners Inc
Seven Corners Inc

72

RoundTrip
Seven Corners Inc

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

Quote

Full Policy Wording

TRIP DELAY

The Company will reimburse You for Covered Expenses on a one-time basis, up to the maximum shown in the Confirmation of Coverage, if You are delayed en route to or from the Trip for twelve (12) or more hours due to a defined Hazard.

There will be a per day limit of $150.

Covered Expenses include:

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

b) any reasonable Additional 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.

73

RoundTrip Choice
Seven Corners Inc

Travel Delay Benefits
$1,000 per person $300 daily limit Covered after 12 hour delay

Quote

Full Policy Wording

TRIP DELAY

The Company will reimburse You for Covered Expenses on a one-time basis, up to the maximum shown in the Confirmation of Coverage, if You are delayed en route to or from the Trip for twelve (12) or more hours due to a defined Hazard.

There will be a per day limit of $300.

Covered Expenses include:

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

b) any reasonable Additional 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.

74

Liaison Continent excl US
Seven Corners Inc

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

75

Liaison Majestic excl US
Seven Corners Inc

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

76

Liaison International excl US
Seven Corners Inc

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

77

Wander Frequent Traveler excl US
Seven Corners Inc

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

Tin Leg
Tin Leg

78

Economy
Tin Leg

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

Quote

Full Policy Wording

TRIP DELAY

We will pay You for additional expenses on a one-time basis, up to the maximum shown in the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for 12 or more hours due to a defined Hazard. 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 ended 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.

79

Standard
Tin Leg

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

Quote

Full Policy Wording

TRIP DELAY

We will pay You for additional expenses on a one-time basis, up to the maximum shown in the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for 12 or more hours due to a defined Hazard. 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 ended 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.

80

Luxury
Tin Leg

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

Quote

Full Policy Wording

TRIP DELAY

We will pay You for additional expenses on a one-time basis, up to the maximum shown in the Schedule of Benefits, if You are delayed en route to or from the Covered Trip for 6 or more hours due to a defined Hazard. 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 ended 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.

Travel Insured International
Travel Insured International

81

Worldwide Trip Protector Lite
Travel Insured International

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

Quote

Full Policy Wording

COVERAGE C

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, 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 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.

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

82

Worldwide Trip Protector Plus
Travel Insured International

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

Quote

Full Policy Wording

COVERAGE E

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:

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.

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.

83

Worldwide Trip Protector
Travel Insured International

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

Quote

Full Policy Wording

COVERAGE C

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:

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.

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.

Travelex Insurance Services
Travelex Insurance Services

84

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

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

85

Flight Insure Package Plan Multi-trip
Travelex Insurance Services

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

86

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

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

87

Flight Insure Plus - Package Plan
Travelex Insurance Services

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

88

Travel Basic
Travelex Insurance Services

Travel Delay Benefits
$500 per person Covered after 5 hour delay

Quote

Full Policy Wording

Trip Delay Benefits

If your Covered Trip is delayed for 5 hours or more, we will reimburse you, up to the amount shown in the Schedule, for reasonable additional expenses incurred by you for hotel accommodations, meals, telephone calls and local transportation while you are delayed. We will not pay benefits for expenses incurred after travel becomes possible.

Trip Delay must be caused by or result from:

1. any Common Carrier delay; or

2. permanent loss or theft of your passport(s), travel documents or money, due to a reason not within your control; or

3. quarantine; or hijacking; or a civil disorder; or

4. natural disaster or closure of public roadways by government authorities; or

5. a documented traffic accident while you are en route to departure; or

6. unannounced strike.

89

Travel Max
Travelex Insurance Services

Travel Delay Benefits
$1,000 per person Covered after 5 hour delay

Quote

Full Policy Wording

Trip Delay Benefits

If your Covered Trip is delayed for 5 hours or more, we will reimburse you, up to the amount shown in the Schedule for reasonable additional expenses incurred by you for hotel accommodations, meals, telephone calls and local transportation while you are delayed. We will not pay benefits for expenses incurred after travel becomes possible.

Items Subject to Special Limitations If your Covered Trip is delayed for 5 hours or more, we will reimburse you for the following covered expenses.

1. up to $25 for expenses incurred, that are directly related to internet usage fees during the time you are experiencing a Common Carrier delay;

2. up to $25 for airline club admission expenses incurred at a sponsored airline club at the airport;

3. up to $25 per day, up to the amount shown in the Schedule for additional kennel expenses. You must have placed your cat or dog in a licensed commercial kennel for the duration of the Covered Trip and you are unable to collect you cat or dog on the original pick-up date. For this benefit, you must provide the following documentation when presenting a claim: (1) written confirmation of the reasons for the 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; (2) written confirmation from the licensed commercial kennel advising the original pick-up date and the actual pick-up date.

Receipts for the expenses incurred must be submitted for reimbursement.

Trip Delay must be caused by or result from:

1. any Common Carrier delay; or

2. permanent loss or theft of your passport(s), travel documents or money, due to a reason not within your control; or

3. quarantine; or hijacking; or a civil disorder; or

4. natural disaster or closure of public roadways by government authorities; or

5. a documented traffic accident while you are en route to departure; or 6. unannounced strike.

90

Travel Select
Travelex Insurance Services

Travel Delay Benefits
$750 per person Covered after 5 hour delay

Quote

Full Policy Wording

Trip Delay Benefits

If your Covered Trip is delayed for 5 hours or more, we will reimburse you, up to the amount shown in the Schedule, for reasonable additional expenses incurred by you for hotel accommodations, meals, telephone calls and local transportation while you are delayed. We will not pay benefits for expenses incurred after travel becomes possible.

Trip Delay must be caused by or result from:

1. any Common Carrier delay; or

2. permanent loss or theft of your passport(s), travel documents or money due to a reason not within your control; or

3. quarantine; or hijacking; or a civil disorder; or

4. natural disaster or closure of public roadways by government authorities; or

5. a documented traffic accident while you are en route to departure; or

6. unannounced strike.

TravelSafe
TravelSafe

91

Basic
TravelSafe

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

Quote

Full Policy Wording

TRAVEL DELAY

Benefits will be paid for reasonable accommodation, meal 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) lost or stolen passports, travel documents or money (must be substantiated by a police report);

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

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

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

92

Basic
TravelSafe

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

Quote

Full Policy Wording

TRAVEL DELAY

Benefits will be paid for reasonable accommodation, meal 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.

93

Classic
TravelSafe

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

Quote

Full Policy Wording

TRAVEL DELAY

Benefits will be paid for reasonable accommodation, meal 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) lost or stolen passports, travel documents or money (must be substantiated by a police report);

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

d) 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 Your cat or dog on the previously agreed day with the kennel, benefits will be paid up to $100 per day, 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:

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.

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

94

Classic
TravelSafe

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

Quote

Full Policy Wording

TRAVEL DELAY

Benefits will be paid for reasonable accommodation, meal 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 Your cat or dog on the previously agreed day with the kennel, benefits will be paid up to $100 per day, 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:

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.

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

95

Classic Plus
TravelSafe

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

Quote

Full Policy Wording

TRAVEL DELAY

Benefits will be paid for reasonable accommodation, meal 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) lost or stolen passports, travel documents or money (must be substantiated by a police report);

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

d) 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 Your cat or dog on the previously agreed day with the kennel, benefits will be paid up to $100 per day, 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:

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.

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

96

Classic Plus
TravelSafe

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

Quote

Full Policy Wording

TRAVEL DELAY

Benefits will be paid for reasonable accommodation, meal 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 Your cat or dog on the previously agreed day with the kennel, benefits will be paid up to $100 per day, 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:

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.

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

Trawick International
Trawick International

97

Safe Travels USA
Trawick International

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

98

Safe Travels International excl US
Trawick International

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

99

Safe Travels USA Trip Protection
Trawick International

Travel Delay Benefits
$700 per person $100 daily limit Covered after 12 hour delay

Quote

Full Policy Wording

Travel Delay – This benefit is payable when the departure of the coach, aircraft or sea vessel in which you had arranged to travel on the first Outward or first return leg of the Covered Journey, is delayed for at least 12 hours from the time specified in the travel itinerary due to any of the following:

1.strike, industrial action, bankruptcy, or mechanical breakdown of the coach, aircraft or sea vessel;

2. loss or theft of your passport(s), travel documents;

3. quarantine (except as a result of a pandemic or epidemic);

4. hijacking;

5. Natural Disaster or inclement weather;

6. a documented traffic accident while you are en route to departure;

7. unannounced strike;

8. a civil disorder;

9. your, a Family Member traveling with you or a Traveling Companion’s Injury or Sickness; or

10. a Family Member traveling with you or a Traveling Companion’s death.

Reimbursement for necessary and reasonable accommodations, food and local transportation subject to: 1. $100 for the first complete 12 hour period of delay in departure commencing from the original booked departure time as specified in the travel itinerary and $100 after each subsequent 24 hour period of delay up to a maximum of $1,000 each Insured Person; or 2. If (on the outward journey only) after 12 hours the Insured Person elects to cancel the whole travel itinerary, reimbursement of any irrecoverable deposits or charges paid in advance or contracted to be paid up to the final invoice cost to a maximum of $1,000.

Where a declared value is utilized the trip cost estimates should include flights, hotels, and pre-paid tours; all claims submitted will require validation of trip paid expenses including documentation from the providers on their cancellation policies. Reimbursement for cancellation and or interruption will be based on the non-refundable portion of the itinerary and will NOT include any credits offered by the various providers.

In the event of the failure by the Insured Person to notify the Travel Agent, Tour Operator or provider of transport/accommodation immediately it is found necessary to cancel the journey/holiday. The Insurers’ liability shall be restricted to the cancellation charges that would have applied at that time.

This insurance does not cover anything caused directly or indirectly through bankruptcy/ liquidation of any tour operator, travel agent, and transportation company or accommodation supplier.

100

Safe Travels International Trip Protection excl US
Trawick International

Travel Delay Benefits
$700 per person $100 daily limit Covered after 12 hour delay

Quote

Full Policy Wording

Travel Delay – This benefit is payable when the departure of the coach, aircraft or sea vessel in which you had arranged to travel on the first Outward or first return leg of the Covered Journey, is delayed for at least 12 hours from the time specified in the travel itinerary due to any of the following:

1.strike, industrial action, bankruptcy, or mechanical breakdown of the coach, aircraft or sea vessel;

2. loss or theft of your passport(s), travel documents;

3. quarantine (except as a result of a pandemic or epidemic);

4. hijacking;

5. Natural Disaster or inclement weather;

6. a documented traffic accident while you are en route to departure;

7. unannounced strike;

8. a civil disorder;

9. your, a Family Member traveling with you or a Traveling Companion’s Injury or Sickness; or

10. a Family Member traveling with you or a Traveling Companion’s death.

Reimbursement for necessary and reasonable accommodations, food and local transportation subject to: 1. $ 100 for the first complete 12 hour period of delay in departure commencing from the original booked departure time as specified in the travel itinerary and $ 100 after each subsequent 24 hour period of delay up to a maximum of $1,000 each Insured Person; or 2. If (on the outward journey only) after 12 hours the Insured Person elects to cancel the whole travel itinerary, reimbursement of any irrecoverable deposits or charges paid in advance or contracted to be paid up to the final invoice cost to a maximum of $1,000.

Where a declared value is utilized the trip cost estimates should include flights, hotels, and pre-paid tours; all claims submitted will require validation of trip paid expenses including documentation from the providers on their cancellation policies. Reimbursement for cancellation and or interruption will be based on the non-refundable portion of the itinerary and will NOT include any credits offered by the various providers.

In the event of the failure by the Insured Person to notify the Travel Agent, Tour Operator or provider of transport/accommodation immediately it is found necessary to cancel the journey/holiday. The Insurers’ liability shall be restricted to the cancellation charges that would have applied at that time.

This insurance does not cover anything caused directly or indirectly through bankruptcy/ liquidation of any tour operator, travel agent, and transportation company or accommodation supplier.

101

Safe Travels International Cost Saver excl US
Trawick International

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

102

Safe Travels USA Cost Saver
Trawick International

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

USA-ASSIST Worldwide Protection
USA-ASSIST Worldwide Protection

103

Global Travel Medical Diamond
USA-ASSIST Worldwide Protection

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

104

Global Travel Medical Executive
USA-ASSIST Worldwide Protection

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

105

Global Travel Medical Gold
USA-ASSIST Worldwide Protection

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

106

Global Travel Medical Platinum
USA-ASSIST Worldwide Protection

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

107

Global Travel Medical Standard
USA-ASSIST Worldwide Protection

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.

108

Global Travel Medical Titanium
USA-ASSIST Worldwide Protection

Travel Delay Benefits
No coverage

Quote

Full Policy Wording

There is no Travel Delay coverage with this plan.