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.

Arch RoamRight
Arch RoamRight

3

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.

4

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.

5

Elite
Arch RoamRight

Travel Delay Benefits

$1,500 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.

6

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

7

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.

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

8

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;

9

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

10

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).

11

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

12

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.

13

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.

Cat 70
Cat 70

14

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

15

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.

16

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.

17

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

18

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.

19

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.

HTH Travel Insurance
HTH Travel Insurance

20

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.

21

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.

22

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.

iTravelInsured
iTravelInsured

23

Travel Lite
iTravelInsured

Travel Delay Benefits

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

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Full Policy Wording

Travel Delay

Benefits will be paid up to one hundred twenty-five dollars ($125) per day for: reasonable accommodation, meal, telephone call and local transportation expenses incurred by You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, if You are delayed for twelve (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);

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.

24

Travel SE
iTravelInsured

Travel Delay Benefits

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

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Full Policy Wording

Travel Delay

Benefits will be paid up to one hundred twenty-five dollars ($125) per day for: reasonable accommodation, meal, telephone call and local transportation expenses incurred by You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, if You are delayed for twelve (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);

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 enroute 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 one hundred dollars ($100) per day, up to the Maximum Benefit Amount of five hundred dollars ($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;

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

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

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

2. Up to fifteen dollars ($15) for one (1) movie, in the event Your delay results in an unscheduled overnight stay (other than in Your Home residence) if You are delayed enroute 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.

25

Travel LX
iTravelInsured

Travel Delay Benefits

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

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Full Policy Wording

Travel Delay

Benefits will be paid up to two hundred-fifty dollars ($250) per day for: reasonable accommodation, meal, telephone call and local transportation expenses incurred by You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, if You are delayed for six (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.

If You are delayed by a Common Carrier while enroute 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 one hundred dollars ($100) per day, up to the Maximum Benefit Amount of five hundred dollars ($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;

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

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

1. Up to one hundred dollars ($100) for airline club admission incurred at a sponsored airline club at the airport during which time You are experiencing a flight delay six (6) hours or more. receipts for the expenses incurred must be submitted for reimbursement;

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

3. Up to fifteen dollars ($15) for one (1) movie, in the event Your delay results in an unscheduled overnight stay (other than in Your Home residence) if You are delayed enroute 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.

26

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.

27

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.

28

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

29

Annual Membership
MedjetAssist

Travel Delay Benefits

No coverage

Start a New Search

Full Policy Wording

There is no Travel Delay coverage with this plan.

30

MedjetAssist Extended Stay
MedjetAssist

Travel Delay Benefits

No coverage

Start a New Search

Full Policy Wording

There is no Travel Delay coverage with this plan.

31

MedjetAssist Short Term Plan
MedjetAssist

Travel Delay Benefits

No coverage

Start a New Search

Full Policy Wording

There is no Travel Delay coverage with this plan.

Nationwide Mutual Insurance Company
Nationwide Mutual Insurance Company

32

Essential
Nationwide Mutual Insurance Company

Travel Delay Benefits

$600 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 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.

33

Prime
Nationwide Mutual Insurance Company

Travel Delay Benefits

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

Seven Corners Inc
Seven Corners Inc

34

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

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.

35

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.

36

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

Tin Leg
Tin Leg

37

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.

38

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.

39

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.

Travel Insured International
Travel Insured International

40

Worldwide Trip Protector Lite
Travel Insured International

Travel Delay Benefits

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

Start a New Search

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.

41

Worldwide Trip Protector Plus
Travel Insured International

Travel Delay Benefits

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

Start a New Search

Full Policy Wording

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.

42

Worldwide Trip Protector
Travel Insured International

Travel Delay Benefits

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

Start a New Search

Full Policy Wording

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

43

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.

44

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.

TravelSafe
TravelSafe

45

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.

46

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 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.

47

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 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

48

Safe Travels 3 In 1
Trawick International

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 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.

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

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

49

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.

50

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.

USA-Assist Worldwide Protection
USA-Assist Worldwide Protection

51

GlobalTrip Classic
USA-Assist Worldwide Protection

Travel Delay Benefits

$500 per person
$150 daily limit
Covered after 3 hour delay

Start a New Search

Full Policy Wording

You are eligible for benefits up to the benefit amount shown on Your certificate for: a) Additional Transportation Cost to join the Trip or return home, including up to US$ 150 per day for reasonable accommodations and meals, if Your delay requires an unplanned overnight stay; or b) unused nonrefundable portion of the prepaid expenses as long as the expenses are supported by proof of purchase and are not reimbursable by any other source. Delay must be for 3 hours or more and certified due to one of the following reasons:

1. Delay of Common Carrier (which is certified by the Common Carrier);

2. A traffic accident in which You were not directly involved (substantiated by a police report);

3. Documented weather condition preventing You from getting to the point of departure;

4. Quarantine, hijacking, strike;

5. Lost or stolen passports, travel documents or money (must be substantiated by a police report or the appropriate local authority);

6. Natural disaster, terrorism or riot.

Note: All Trip Delay/Missed Connection events must be reported within 72 hours of the events. If you do not report the occurrence as soon as possible or within the 72 hours time-frame period, reduced benefit payments may be applied.

52

GlobalTrip Saver
USA-Assist Worldwide Protection

Travel Delay Benefits

$500 per person
$150 daily limit
Covered after 3 hour delay

Start a New Search

Full Policy Wording

You are eligible for benefits up to the benefit amount shown on Your certificate for: a) Additional Transportation Cost to join the Trip or return home, including up to US$ 150 per day for reasonable accommodations and meals, if Your delay requires an unplanned overnight stay; or b) unused nonrefundable portion of the prepaid expenses as long as the expenses are supported by proof of purchase and are not reimbursable by any other source. Delay must be for 3 hours or more and certified due to one of the following reasons:

1. Delay of Common Carrier (which is certified by the Common Carrier);

2. A traffic accident in which You were not directly involved (substantiated by a police report);

3. Documented weather condition preventing You from getting to the point of departure;

4. Quarantine, hijacking, strike;

5. Lost or stolen passports, travel documents or money (must be substantiated by a police report or the appropriate local authority);

6. Natural disaster, terrorism or riot.

Note: All Trip Delay/Missed Connection events must be reported within 72 hours of the events. If you do not report the occurrence as soon as possible or within the 72 hours time-frame period, reduced benefit payments may be applied.

53

GlobalTrip Plus
USA-Assist Worldwide Protection

Travel Delay Benefits

$500 per person
$150 daily limit
Covered after 3 hour delay

Start a New Search

Full Policy Wording

You are eligible for benefits up to the benefit amount shown on Your certificate for: a) Additional Transportation Cost to join the Trip or return home, including up to US$ 150 per day for reasonable accommodations and meals, if Your delay requires an unplanned overnight stay; or b) unused nonrefundable portion of the prepaid expenses as long as the expenses are supported by proof of purchase and are not reimbursable by any other source. Delay must be for 3 hours or more and certified due to one of the following reasons:

1. Delay of Common Carrier (which is certified by the Common Carrier);

2. A traffic accident in which You were not directly involved (substantiated by a police report);

3. Documented weather condition preventing You from getting to the point of departure;

4. Quarantine, hijacking, strike;

5. Lost or stolen passports, travel documents or money (must be substantiated by a police report or the appropriate local authority);

6. Natural disaster, terrorism or riot.

Note: All Trip Delay/Missed Connection events must be reported within 72 hours of the events. If you do not report the occurrence as soon as possible or within the 72 hours time-frame period, reduced benefit payments may be applied.

54

GlobalTrip High Medical
USA-Assist Worldwide Protection

Travel Delay Benefits

$500 per person
$150 daily limit
Covered after 3 hour delay

Start a New Search

Full Policy Wording

You are eligible for benefits up to the benefit amount shown on Your certificate for: a) Additional Transportation Cost to join the Trip or return home, including up to US$ 150 per day for reasonable accommodations and meals, if Your delay requires an unplanned overnight stay; or b) unused nonrefundable portion of the prepaid expenses as long as the expenses are supported by proof of purchase and are not reimbursable by any other source. Delay must be for 3 hours or more and certified due to one of the following reasons:

1. Delay of Common Carrier (which is certified by the Common Carrier);

2. A traffic accident in which You were not directly involved (substantiated by a police report);

3. Documented weather condition preventing You from getting to the point of departure;

4. Quarantine, hijacking, strike;

5. Lost or stolen passports, travel documents or money (must be substantiated by a police report or the appropriate local authority);

6. Natural disaster, terrorism or riot.

Note: All Trip Delay/Missed Connection events must be reported within 72 hours of the events. If you do not report the occurrence as soon as possible or within the 72 hours time-frame period, reduced benefit payments may be applied.