Travel Delay Full Policy Wording

Each policy’s Travel Delay coverage is detailed below. View the coverage summary here.

April Travel Protection
April Travel Protection

1

Choice
April Travel Protection

Travel Delay Benefits

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

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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.

2

Choice
April Travel Protection

Travel Delay Benefits

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

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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.

3

Annual Plan
April Travel Protection

Travel Delay Benefits

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

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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.

4

Pandemic Plus
April Travel Protection

Travel Delay Benefits

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

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Full Policy Wording

TRIP DELAY

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

Additional Expenses include:

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

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

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

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

Arch RoamRight
Arch RoamRight

5

Essential
Arch RoamRight

Travel Delay Benefits

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

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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.

6

Preferred
Arch RoamRight

Travel Delay Benefits

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

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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.

7

Multi-Trip
Arch RoamRight

Travel Delay Benefits

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

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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.

AXA Assistance USA
AXA Assistance USA

8

Silver
AXA Assistance USA

Travel Delay Benefits

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

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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 twelve (12) or more hours due to a defined Hazard.

Covered Expenses:

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

b) Any Additional Expenses incurred;

c) An Economy Fare from the point where You 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.

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

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

9

Gold
AXA Assistance USA

Travel Delay Benefits

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

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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 twelve (12) or more hours due to a defined Hazard.

Covered Expenses:

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

b) Any Additional Expenses incurred;

c) An Economy Fare from the point where You 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.

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

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

10

Platinum
AXA Assistance USA

Travel Delay Benefits

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

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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 twelve (12) or more hours due to a defined Hazard.

Covered Expenses:

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

b) Any Additional Expenses incurred;

c) An Economy Fare from the point where You 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.

If You or the Traveling Companion are delayed by a Common Carrier while en route to Your return destination after the Trip is completed and have placed Your cat or dog in a kennel for the duration of the Trip and You or the Traveling Companion are unable to collect them on the day previously agreed with the kennel, benefits will be paid at $25 per day, on a one-time basis, up to the Maximum Benefit amount shown on the Confirmation of Coverage to cover the necessary additional kennel fees.

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

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

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

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

11

Beacon America incl US
Azimuth Risk Solutions, LLC

Travel Delay Benefits

$100 per person
Covered after 12 hour delay

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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 en route 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).

12

Beacon International excl US
Azimuth Risk Solutions, LLC

Travel Delay Benefits

$100 per person
Covered after 12 hour delay

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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 en route 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).

Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection

13

ExactCare
Berkshire Hathaway Travel Protection

Travel Delay Benefits

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

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Full Policy Wording

TRIP DELAY

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

a) Common Carrier delay;

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

c) reasons listed under Trip Cancellation and Interruption.

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

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

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

14

ExactCare Value
Berkshire Hathaway Travel Protection

Travel Delay Benefits

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

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Full Policy Wording

TRIP DELAY

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

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

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

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

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

15

LuxuryCare
Berkshire Hathaway Travel Protection

Travel Delay Benefits

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

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Full Policy Wording

TRIP DELAY

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

a) Common Carrier delay;

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

c) reasons listed under Trip Cancellation and Interruption.

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

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

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

Cat 70
Cat 70

16

Travel Plan
Cat 70

Travel Delay Benefits

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

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Full Policy Wording

TRIP DELAY

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

Additional Expenses include:

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

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

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

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

Generali Global Assistance
Generali Global Assistance

17

Standard
Generali Global Assistance

Travel Delay Benefits

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

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Full Policy Wording

TRAVEL DELAY COVERAGE

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

Travel Delay must be caused by or result from:

a) delay of a Common Carrier; or

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

c) Quarantine; or

d) hijacking; or

e) natural disaster or adverse weather; or

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

g) unannounced strike; or

h) a civil disorder; or

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

j) death of a Traveling Companion.

18

Preferred
Generali Global Assistance

Travel Delay Benefits

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

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Full Policy Wording

TRAVEL DELAY COVERAGE

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

Travel Delay must be caused by or result from:

a) delay of a Common Carrier; or

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

c) Quarantine; or

d) hijacking; or

e) natural disaster or adverse weather; or

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

g) unannounced strike; or

h) a civil disorder; or

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

j) death of a Traveling Companion.

19

Premium
Generali Global Assistance

Travel Delay Benefits

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

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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

20

Trekker Choice excl US
GeoBlue

Travel Delay Benefits

No coverage

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Full Policy Wording

There is no Travel Delay coverage with this plan.

21

Trekker Essential excl US
GeoBlue

Travel Delay Benefits

No coverage

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Full Policy Wording

There is no Travel Delay coverage with this plan.

Global Underwriters
Global Underwriters

22

Diplomat America
Global Underwriters

Travel Delay Benefits

No coverage

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Full Policy Wording

There is no Travel Delay coverage with this plan.

23

Diplomat International
Global Underwriters

Travel Delay Benefits

No coverage

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Full Policy Wording

There is no Travel Delay coverage with this plan.

24

Diplomat LT excl US
Global Underwriters

Travel Delay Benefits

No coverage

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Full Policy Wording

There is no Travel Delay coverage with this plan.

25

Diplomat LT incl US
Global Underwriters

Travel Delay Benefits

No coverage

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Full Policy Wording

There is no Travel Delay coverage with this plan.

HTH Travel Insurance
HTH Travel Insurance

26

TripProtector Preferred
HTH Travel Insurance

Travel Delay Benefits

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

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Full Policy Wording

TRIP DELAY

The Company will reimburse You for Covered Expenses, 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.

If You or the Traveling Companion are delayed by a Common Carrier while en route to Your return destination after the Trip is completed and have placed Your cat or dog in a kennel for the duration of the Trip and You or the Traveling Companion are unable to collect them on the day previously agreed with the kennel, benefits will be paid at $25 per day, on a one-time basis,
up to the Maximum Benefit amount shown on the Confirmation of Coverage to cover the necessary additional kennel fees.

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

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

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

27

TripProtector Economy
HTH Travel Insurance

Travel Delay Benefits

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

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Full Policy Wording

TRIP DELAY

The Company will reimburse You for Covered Expenses, 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.

28

TripProtector Classic
HTH Travel Insurance

Travel Delay Benefits

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

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Full Policy Wording

TRIP DELAY

The Company will reimburse You for Covered Expenses, 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 © A one-way Economy Fare to return You to Your originally scheduled return destination.

INF Visitor Care
INF Visitor Care

29

TravelCare Basic
INF Visitor Care

Travel Delay Benefits

No coverage

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Full Policy Wording

There is no Travel Delay coverage with this plan.

30

TravelCare Plus
INF Visitor Care

Travel Delay Benefits

No coverage

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Full Policy Wording

There is no Travel Delay coverage with this plan.

31

Traveler USA
INF Visitor Care

Travel Delay Benefits

No coverage

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Full Policy Wording

There is no Travel Delay coverage with this plan.

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

32

Bronze
John Hancock Insurance Agency, Inc.

Travel Delay Benefits

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

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Full Policy Wording

TRIP DELAY

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

Additional Expenses include:

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

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

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

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

33

Silver
John Hancock Insurance Agency, Inc.

Travel Delay Benefits

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

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Full Policy Wording

TRIP DELAY

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

Additional Expenses include:

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

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

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

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

34

Gold
John Hancock Insurance Agency, Inc.

Travel Delay Benefits

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

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Full Policy Wording

TRIP DELAY

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

Additional Expenses include:

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

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

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

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

MedjetAssist
MedjetAssist

35

Annual Membership
MedjetAssist

Travel Delay Benefits

No coverage

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Full Policy Wording

There is no Travel Delay coverage with this plan.

36

MedjetAssist Extended Stay
MedjetAssist

Travel Delay Benefits

No coverage

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Full Policy Wording

There is no Travel Delay coverage with this plan.

37

MedjetAssist Short Term Plan
MedjetAssist

Travel Delay Benefits

No coverage

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Full Policy Wording

There is no Travel Delay coverage with this plan.

Nationwide Mutual Insurance Company
Nationwide Mutual Insurance Company

38

Essential
Nationwide Mutual Insurance Company

Travel Delay Benefits

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

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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 Additional Expenses incurred;

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

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

39

Prime
Nationwide Mutual Insurance Company

Travel Delay Benefits

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

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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 Additional Expenses incurred;

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

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

40

Cruise Universal
Nationwide Mutual Insurance Company

Travel Delay Benefits

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

Start a New Search

Full Policy Wording

TRIP DELAY

The Company will reimburse You for Covered Expenses, 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 Additional Expenses incurred;

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

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

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

Hazard means:

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

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

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

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

41

Cruise Choice
Nationwide Mutual Insurance Company

Travel Delay Benefits

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

Start a New Search

Full Policy Wording

TRIP DELAY

The Company will reimburse You for Covered Expenses, 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 Additional Expenses incurred;

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

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

Hazard means:

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

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

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

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

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

42

Cruise Luxury
Nationwide Mutual Insurance Company

Travel Delay Benefits

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

Start a New Search

Full Policy Wording

TRIP DELAY

The Company will reimburse You for Covered Expenses, 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 Additional Expenses incurred;

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

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

Hazard means:

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

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

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

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

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

Seven Corners Inc
Seven Corners Inc

43

RoundTrip Choice
Seven Corners Inc

Travel Delay Benefits

$600 per person
$300 daily limit
Covered after 6 hour delay

Start a New Search

Full Policy Wording

COVERAGE D

TRAVEL DELAY

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

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);
b) a traffic accident in which You or Your Traveling Companion is not directly involved (must be substantiated by a police report);
c) lost or stolen passports, travel documents or money (must be substantiated by a police report);
d) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot;
e) a documented weather condition preventing You from getting to the point of departure.

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

44

RoundTrip Economy
Seven Corners Inc

Travel Delay Benefits

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

Start a New Search

Full Policy Wording

TRAVEL DELAY

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

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

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

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

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

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

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

45

RoundTrip Elite
Seven Corners Inc

Travel Delay Benefits

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

Start a New Search

Full Policy Wording

TRAVEL DELAY

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

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

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

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

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

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

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

46

Wander Frequent Traveler excl US
Seven Corners Inc

Travel Delay Benefits

$100 per person
Covered after 12 hour delay

Start a New Search

Full Policy Wording

Travel Delay:

$100 per day, 2-day limit per occurrence

The Company will reimburse You up to the amount set forth in the Schedule of Benefits for reasonable accommodations, meals and local transportation if You are delayed by the Common Carrier for more than twelve (12) hours while outside of Your Home Country, which results in an unplanned overnight stay due to a delay or cancellation of the Common Carrier. The Company will provide reimbursement for Covered Expenses provided:

a) You check in according to the itinerary provided by the Common Carrier and obtain written confirmation of the delay or cancellation from them; and

b) You provide receipts for Your accommodations and meals; and

c) You did not voluntarily forfeit Your seat.

Additionally, the exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this Section 6.7.

47

Liaison Travel Choice excl US
Seven Corners Inc

Travel Delay Benefits

$100 per person
Covered after 12 hour delay

Start a New Search

Full Policy Wording

Travel Delay - $100 per day, 2-day limit per occurrence

The Company will reimburse You up to the amount set forth in the Schedule of Benefits for reasonable accommodations, meals and local transportation if You are delayed by the Common Carrier for more than twelve (12) hours while outside of Your Home Country, which results in an unplanned overnight stay due to a delay or cancellation of the Common Carrier. The Company will provide reimbursement for Covered Expenses provided:

a) You check in according to the itinerary provided by the Common Carrier and obtain written confirmation of the delay or cancellation from them; and

b) You provide receipts for Your accommodations and meals; and

c) You did not voluntarily forfeit Your seat.

Additionally, the exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this Section 6.6.

48

Liaison Travel Plus excl US
Seven Corners Inc

Travel Delay Benefits

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

Start a New Search

Full Policy Wording

6.6 Travel Delay.

The Company will reimburse You up to the amount set forth in the Schedule of Benefits for reasonable accommodations, meals and local transportation if You are delayed by the Common Carrier for more than twelve (12) hours while outside of Your Home Country, which results in an unplanned overnight stay due to a delay or cancellation of the Common Carrier. The Company will provide reimbursement for Covered Expenses provided:

a) You check in according to the itinerary provided by the Common Carrier and obtain written confirmation of the delay or cancellation from them; and
b) You provide receipts for Your accommodations and meals; and
c) You did not voluntarily forfeit Your seat.

Additionally, the exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this Section 6.6.

49

Wander Frequent Traveler Plus excl US
Seven Corners Inc

Travel Delay Benefits

$100 per person
Covered after 12 hour delay

Start a New Search

Full Policy Wording

Travel Delay:

$100 per day, 2-day limit per occurrence

The Company will reimburse You up to the amount set forth in the Schedule of Benefits for reasonable accommodations, meals and local transportation if You are delayed by the Common Carrier for more than twelve (12) hours while outside of Your Home Country, which results in an unplanned overnight stay due to a delay or cancellation of the Common Carrier. The Company will provide reimbursement for Covered Expenses provided:

a) You check in according to the itinerary provided by the Common Carrier and obtain written confirmation of the delay or cancellation from them; and

b) You provide receipts for Your accommodations and meals; and

c) You did not voluntarily forfeit Your seat.

Additionally, the exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this Section 6.7.

Tin Leg
Tin Leg

50

Economy
Tin Leg

Travel Delay Benefits

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

Start a New Search

Full Policy Wording

TRIP DELAY

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

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

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

c) You or a Traveling Companion are quarantined;

d) Strike;

e) Natural Disaster;

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

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

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

51

Standard
Tin Leg

Travel Delay Benefits

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

Start a New Search

Full Policy Wording

TRIP DELAY

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

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

b) Common Carrier delay;

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

d) You or a Traveling Companion are quarantined;

e) Strike;

f) Inclement Weather which prohibits Your departure;

g) Natural Disaster;

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

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

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

52

Luxury
Tin Leg

Travel Delay Benefits

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

Start a New Search

Full Policy Wording

TRIP DELAY

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

a) Common Carrier delay;

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

c) reasons listed under Trip Cancellation and Interruption.

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

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

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

53

Adventure
Tin Leg

Travel Delay Benefits

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

Start a New Search

Full Policy Wording

TRIP DELAY

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

a) Common Carrier delay;

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

c) reasons listed under Trip Cancellation and Interruption.

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

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

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

54

Gold
Tin Leg

Travel Delay Benefits

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

Start a New Search

Full Policy Wording

TRIP DELAY

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

Additional Expenses include:

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

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

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

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

55

USA Only
Tin Leg

Travel Delay Benefits

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

Start a New Search

Full Policy Wording

TRIP DELAY

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

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

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

c) You or a Traveling Companion are quarantined;

d) Strike;

e) Natural Disaster;

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

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

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

Travelex Insurance Services
Travelex Insurance Services

56

Travel Basic
Travelex Insurance Services

Travel Delay Benefits

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

Start a New Search

Full Policy Wording

TRIP DELAY

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

a) Common Carrier delay;

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

c) You or a Traveling Companion are quarantined;

d) Natural Disaster;

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

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

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

57

Travel Select
Travelex Insurance Services

Travel Delay Benefits

$750 per person
$250 daily limit
Covered after 5 hour delay

Start a New Search

Full Policy Wording

TRIP DELAY

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

a) Common Carrier delay;

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

c) reasons listed under Trip Cancellation and Interruption.

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

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

58

Flight Insure
Travelex Insurance Services

Travel Delay Benefits

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

Start a New Search

Full Policy Wording

TRIP DELAY

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

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

b) Common Carrier delay;

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

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

e) Natural Disaster at the departure or Destination;

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

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

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

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

59

Flight Insure Plus
Travelex Insurance Services

Travel Delay Benefits

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

Start a New Search

Full Policy Wording

TRIP DELAY

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

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

b) Common Carrier delay;

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

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

e) Natural Disaster at the departure or Destination;

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

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

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

TravelSafe
TravelSafe

60

Basic
TravelSafe

Travel Delay Benefits

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

Start a New Search

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.

61

Classic
TravelSafe

Travel Delay Benefits

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

Start a New Search

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 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 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.

62

Classic Plus
TravelSafe

Travel Delay Benefits

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

Start a New Search

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 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 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

63

Safe Travels Single Trip
Trawick International

Travel Delay Benefits

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

Start a New Search

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 twelve (12) or more hours due to a defined Hazard.

Covered Expenses:

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

b) Any Additional Expenses incurred;

c) An Economy Fare from the point where You 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.

64

Safe Travels First Class
Trawick International

Travel Delay Benefits

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

Start a New Search

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 twelve (12) or more hours due to a defined Hazard.

Covered Expenses:

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

b) Any Additional Expenses incurred;

c) An Economy Fare from the point where You 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.

65

Safe Travels Outbound excl US
Trawick International

Travel Delay Benefits

$200 per person
$50 daily limit
Covered after 12 hour delay

Start a New Search

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 twelve (12) or more hours due to a defined Hazard.

Covered Expenses:

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

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.

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

Hazard means:

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

66

Safe Travels Outbound Cost Saver excl US
Trawick International

Travel Delay Benefits

$200 per person
$50 daily limit
Covered after 12 hour delay

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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 twelve (12) or more hours due to a defined Hazard.

Covered Expenses:

a) Any Additional Expenses incurred;

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

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

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.

Hazard means:

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

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

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

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

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

67

Safe Travels Annual Executive
Trawick International

Travel Delay Benefits

$750 per trip
$200 daily limit
Covered after 12 hour delay

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Full Policy Wording

TRIP DELAY

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

Covered Expenses:

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

b) Any Additional Expenses incurred;

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

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

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

Hazard means:

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

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

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

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

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

68

Safe Travels Annual Deluxe
Trawick International

Travel Delay Benefits

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

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Full Policy Wording

TRIP DELAY

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

Covered Expenses:

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

b) Any Additional Expenses incurred;

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

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

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

Hazard means:

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

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

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

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

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

69

Safe Travels Annual Basic
Trawick International

Travel Delay Benefits

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

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Full Policy Wording

TRIP DELAY

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

Covered Expenses:

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

b) Any Additional Expenses incurred;

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

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

Hazard means:

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

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

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

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

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

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

70

Safe Travels Explorer
Trawick International

Travel Delay Benefits

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

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Full Policy Wording

TRIP DELAY

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

Covered Trip Delay Expenses:

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

Hazard means:

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

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

71

Safe Travels Journey
Trawick International

Travel Delay Benefits

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

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Full Policy Wording

TRIP DELAY

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

Covered Trip Delay Expenses:

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

b) Any Reasonable Expenses incurred;

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

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

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

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

72

Safe Travels Voyager
Trawick International

Travel Delay Benefits

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

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Full Policy Wording

TRIP DELAY

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

Covered Trip Delay Expenses:

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

b) Any Reasonable Expenses incurred;

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

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

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

If You are traveling with Your cat or dog and are delayed by a Common Carrier while en route to or from Your Trip, benefits will be paid up to the Maximum Benefit amount shown on the Schedule of Benefits to kennel Your cat or dog during the delay.

Hazard means:

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

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

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

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

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

73

Safe Travels Explorer Plus
Trawick International

Travel Delay Benefits

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

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Full Policy Wording

TRIP DELAY

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

Covered Trip Delay Expenses:

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

Hazard means:

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

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

USI Affinity Travel Insurance Services
USI Affinity Travel Insurance Services

74

Ruby
USI Affinity Travel Insurance Services

Travel Delay Benefits

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

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Full Policy Wording

TRIP DELAY

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

Additional Expenses include:

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

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

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

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

75

Diamond
USI Affinity Travel Insurance Services

Travel Delay Benefits

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

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Full Policy Wording

TRIP DELAY

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

Additional Expenses include:

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

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

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

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