What is Trip Interruption?

Trip Interruption

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

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

Coverage Description

Provides reimbursement for non-refundable trip payments and deposits if a trip is interrupted for illness, death or other unforeseen circumstances.

View full coverage summary for Trip Interruption for the policies below

# Provider / Plan Name Benefit
1 Air Ambulance Card
Air Ambulance Card - Standard Annual
No coverage Quote

Full Policy Wording

There is no Trip Interruption coverage with this plan.

2 Air Ambulance Card
Air Ambulance Card - Extended Stay 6 Months
No coverage Quote

Full Policy Wording

There is no Trip Interruption coverage with this plan.

3 Air Ambulance Card
Air Ambulance Card - Extended Stay 12 Months
No coverage Quote

Full Policy Wording

There is no Trip Interruption coverage with this plan.

4 APRIL Travel Protection
Economy Plan
150% of the trip cost Quote

Full Policy Wording

TRIP CANCELLATION / TRIP INTERRUPTION

TRIP CANCELLATION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen events listed below. We will pay You for the following:

a) The amount of forfeited, non-refundable, and unused Payments or Deposits that You paid for the Covered Trip.

b) Additional cost incurred if the Travel Supplier cancels Your Covered Trip for a covered reason and You elect to replace that Travel Supplier with a different Travel Supplier. In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

SPECIAL CONDITIONS:

You must advise the Travel Supplier and Us as soon as possible in the event of a claim. We will not pay benefits for any additional charges incurred that would not have been charged had You notified the Travel Supplier and Us as soon as reasonably possible.

TRIP INTERRUPTION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from continuing or resuming Your Covered Trip due to any of the Unforeseen events listed below. We will pay You for the following:

a) unused, non-refundable travel arrangements prepaid to the Travel Supplier(s); or

b) additional Transportation expenses incurred by You; or

c) return air travel up to the lesser of the cost of an economy flight or the amount shown in the Schedule of Benefits, less the value of applied credit from an unused return travel ticket.

In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) The death or hospitalization of Your Host at Destination.

c) Inclement Weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 48 consecutive hours.

d) Mandatory evacuation ordered by local authorities at Your destination due to hurricane or other Natural Disaster. You must have 50% or more of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.

e) Inclement weather or Natural Disaster resulting in the obstruction of public roadways, or curtailment of public Transportation, which prevents Your ability to arrive at Your Land/Sea Arrangements.

f) Named hurricane causing cancellation of travel to Your destination because it has become uninhabitable for the greater of: (1) 4 days or (2) 50% of Your Covered Trip length. We will only pay benefits for losses occurring within 30 calendar days after the named hurricane makes Your destination accommodations uninhabitable. Your destination accommodations are uninhabitable if: (i) the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail or flood; (iii) immediate safety Hazards have yet to be cleared, such as debris on roofs or downed electrical lines; or (iv) the rental property is without electricity or water. Benefits are not payable if a hurricane is named on or before the Effective Date of Your Trip Cancellation coverage or less than 14 days after the Effective Date of Your Trip Cancellation coverage.

g) Strike that causes complete cessation of travel services of Your Common Carrier for at least 48 consecutive hours.

h) Bankruptcy and/or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Your Scheduled Departure Date must be no more than 15 months beyond Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate Transportation is available. If alternate Transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment.

i) You or Your Traveling Companion who are military personnel, are called to emergency duty for a disaster other than war or are called to active military duty, have their leave revoked or are reassigned for reasons other than War.

j) If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within 50 miles of a City listed on Your itinerary. The Terrorist Attack must occur on or after the Effective Date of Your Trip Cancellation Coverage.

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

l) You and/or Your Traveling Companion are hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You are or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer; the victim of felonious assault within 15 days of departure; having Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.

5 APRIL Travel Protection
VIP Plan
150% of the trip cost Quote

Full Policy Wording

TRIP CANCELLATION / TRIP INTERRUPTION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen events listed below. We will pay You for the following:

a) The amount of forfeited, non-refundable, and unused Payments or Deposits that You paid for the Covered Trip.

b) Additional cost incurred if the Travel Supplier cancels Your Covered Trip for a covered reason and You elect to replace that Travel Supplier with a different Travel Supplier. In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

SINGLE OCCUPANCY:

We will pay You, up to the maximum shown on the Schedule of Benefits, for the additional cost incurred during the Covered Trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with You has his or her Covered Trip delayed, canceled, or interrupted for a covered reason and You do not cancel Your Covered Trip.

SPECIAL CONDITIONS:

You must advise the Travel Supplier and Us as soon as possible in the event of a claim. We will not pay benefits for any additional charges incurred that would not have been charged had You notified the Travel Supplier and Us as soon as reasonably possible.

TRIP INTERRUPTION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from continuing or resuming Your Covered Trip due to any of the Unforeseen events listed below. We will pay You for the following:

a) unused, non-refundable travel arrangements prepaid to the Travel Supplier(s); or

b) additional Transportation expenses incurred by You; or

c) return air travel up to the lesser of the cost of an economy flight or the amount shown in the Schedule of Benefits, less the value of applied credit from an unused return travel ticket.

In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) Your normal pregnancy as long as the pregnancy occurs after Your Effective Date of coverage and can be verified by medical records.

c) The death or hospitalization of Your Host at Destination.

) Inclement Weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 48 consecutive hours.

e) Mandatory evacuation ordered by local authorities at Your destination due to hurricane or other Natural Disaster. You must have 50% or more of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.

f) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable.

g) Inclement weather or Natural Disaster resulting in the obstruction of public roadways, or curtailment of public Transportation, which prevents Your ability to arrive at Your Land/Sea Arrangements.

h) Hurricane warning causing cancellation of travel. Claims are not payable if a hurricane is foreseeable prior to Your Effective Date. A hurricane is foreseeable on the date it becomes a named storm. We will not pay any benefits 14 calendar days after the incidentoccurs. In order to cancel Your Covered Trip, You must have 50% or less of Your total Covered Trip length remaining. This benefit only applies if purchased within 7 days of the initial Trip payment.

i) Strike that causes complete cessation of travel services of Your Common Carrier for at least 48 consecutive hours.

j) Bankruptcy and/or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Your Scheduled Departure Date must be no more than 15 months beyond Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate Transportation is available. If alternate Transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment.

k) Your transfer by the employer with whom You are employed on the Effective Date of insurance which requires Your principal residence to be relocated more than 200 miles.

l) You or Your Traveling Companion are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 5 consecutive years.

m) You or Your Traveling Companion who are military personnel, are called to emergency duty for a disaster other than war or are called to active military duty, have their leave revoked or are reassigned for reasons other than War.

n) If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within 50 miles of a City listed on Your itinerary. The Terrorist Attack must occur on or after the Effective Date of Your Trip Cancellation Coverage.

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

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

q) You and/or Your Traveling Companion are hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You are or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer; the victim of felonious assault within 15 days of departure; having Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.

r) A cancellation of Your Covered Trip if Your arrival on the Covered Trip is delayed and causes You to lose 51% or more of the scheduled Covered Trip duration.

6 APRIL Travel Protection
Trip Cancellation Plan
No coverage Quote

Full Policy Wording

There is no Trip Interruption coverage with this plan.

7 APRIL Travel Protection
Multi-Trip Plan Universal
$5,000 per person Quote

Full Policy Wording

TRIP INTERRUPTION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from continuing or resuming Your Covered Trip due to any of the Unforeseen events listed below.

We will pay You for the following:

a) unused, non-refundable travel arrangements prepaid to the Travel Supplier(s); or

b) additional Transportation expenses incurred by You; or

c) return air travel up to the lesser of the cost of an economy flight or the amount shown in the Schedule of Benefits, less the value of applied credit from an unused return travel ticket.

In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

SPECIAL CONDITIONS: You must advise the Travel Supplier and Us as soon as possible in the event of a claim. We will not pay benefits for any additional charges incurred that would not have been charged had You notified the Travel Supplier and Us as soon as reasonably possible.

Unforeseen Events Include:

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) The death or hospitalization of Your Host at Destination.

c) Inclement Weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 48 consecutive hours.

d) Mandatory evacuation ordered by local authorities at Your destination due to hurricane or other Natural Disaster. You must have 50% or more of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.

e) Inclement weather or Natural Disaster resulting in the obstruction of public roadways, or curtailment of public Transportation, which prevents Your ability to arrive at Your Land/Sea Arrangements.

f) Strike that causes complete cessation of travel services of Your Common Carrier for at least 48 consecutive hours.

g) Bankruptcy and/or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Your Scheduled Departure Date must be no more than 15 months beyond Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate Transportation is available. If alternate Transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment.

h) You or Your Traveling Companion who are military personnel, are called to emergency duty for a disaster other than war or are called to active military duty, have their leave revoked or are reassigned for reasons other than War.

i) If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within 50 miles of a City listed on Your itinerary. The Terrorist Attack must occur on or after the Effective Date of Your Trip Cancellation Coverage

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

k) You and/or Your Traveling Companion are hijacked, quarantined, required to serve on a jury,subpoenaed, required to appear as a witness in a legal action, provided You are or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer; the victim of felonious assault within 15 days of departure; having Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.

8 APRIL Travel Protection
Multi-Trip Plan Elite
$5,000 per person Quote

Full Policy Wording

TRIP INTERRUPTION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from continuing or resuming Your Covered Trip due to any of the Unforeseen events listed below. We will pay You for the following:

a) unused, non-refundable travel arrangements prepaid to the Travel Supplier(s); or

b) additional Transportation expenses incurred by You; or

c) return air travel up to the lesser of the cost of an economy flight or the amount shown in the Schedule of Benefits, less the value of applied credit from an unused return travel ticket.

In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

SPECIAL CONDITIONS: You must advise the Travel Supplier and Us as soon as possible in the event of a claim. We will not pay benefits for any additional charges incurred that would not have been charged had You notified the Travel Supplier and Us as soon as reasonably possible.

Unforeseen Events Include:

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) Your normal pregnancy as long as the pregnancy occurs after Your Effective Date of coverage and can be verified by medical records.

c) The death or hospitalization of Your Host at Destination.

d) Inclement Weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 48 consecutive hours.

e) Mandatory evacuation ordered by local authorities at Your destination due to hurricane or other Natural Disaster. You must have 50% or more of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.

f) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable.

g) Inclement weather or Natural Disaster resulting in the obstruction of public roadways, or curtailment of public Transportation, which prevents Your ability to arrive at Your Land/Sea Arrangements.

h) Hurricane warning causing cancellation of travel. Claims are not payable if a hurricane is foreseeable prior to Your Effective Date. A hurricane is foreseeable on the date it becomes a named storm. We will not pay any benefits 14 calendar days after the incident occurs. In order to cancel Your Covered Trip, You must have 50% or less of Your total Covered Trip length remaining. This benefit only applies if purchased within 7 days of the initial Trip payment.

i) Strike that causes complete cessation of travel services of Your Common Carrier for at least 48 consecutive hours.

j) Bankruptcy and/or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Your Scheduled Departure Date must be no more than 15 months beyond Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate Transportation is available. If alternate Transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policywas purchased within 14 calendar days of the initial Trip payment.

k) Your transfer by the employer with whom You are employed on the Effective Date of insurance which requires Your principal residence to be relocated more than 200 miles.

l) You or Your Traveling Companion are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 5 consecutive years.

m) You or Your Traveling Companion who are military personnel, are called to emergency duty for a disaster other than war or are called to active military duty, have their leave revoked or are reassigned for reasons other than War.

n) If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within 50 miles of a City listed on Your itinerary. The Terrorist Attack must occur on or after the Effective Date of Your Trip Cancellation Coverage.

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

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

q) You and/or Your Traveling Companion are hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You are or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer; the victim of felonious assault within 15 days of departure; having Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.

r) A cancellation of Your Covered Trip if Your arrival on the Covered Trip is delayed and causes You to lose 51% or more of the scheduled Covered Trip duration.

9 APRIL Travel Protection
Choice
150% of the trip cost Quote

Full Policy Wording

TRIP CANCELLATION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below.

We will pay You for the following:

a) The amount of forfeited, non-refundable, and unused Payments or Deposits that You paid for the Covered Trip, or change fees incurred in place of full penalties.

b) Additional cost incurred if the Travel Supplier cancels Your Covered Trip for a covered reason and You elect to replace that Travel Supplier with a different Travel Supplier.

c) Non-refundable cancellation charges imposed by the Travel Supplier(s).

d) Airfare cancellation charges for flights arranged by the Travel Supplier in connection with Your Covered Trip.

e) If Your Travel Supplier cancels Your Covered Trip, We will pay up to $100.00 for the reissue fee charged by the airline for the tickets. You must have covered the entire cost of the Covered Trip including the airfare.

f) If You used frequent traveler awards (frequent flyer miles or Hotel/Motel rewards) for any part of a Covered Trip, We will pay the fees incurred by You for re-depositing those awards in Your account if the Covered Trip is canceled for any of the Unforeseen Events listed below . This does not increase the total benefits payable under this Trip Cancellation benefit as stated in the Schedule of Benefits.

In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits. Coverage does not include Default of a Travel Supplier or other organization that results in loss of services.

SPECIAL CONDITIONS: You must advise the Travel Supplier and Us as soon as possible in the event of a claim. We will not pay benefits for any additional charges incurred that would not have been charged had You notified the Travel Supplier and Us as soon as reasonably possible.

TRIP INTERRUPTION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from continuing or resuming Your Covered Trip due to any of the Unforeseen Events listed below.

We will pay for the following:

a) Unused, non-refundable travel arrangements prepaid to the Travel Supplier(s).

b) Additional Transportation expenses incurred by You.

c) Up to the maximum shown in the Schedule of Benefits for the airfare paid, less the value of applied credit from an unused return travel ticket, to reach the original destination if You are delayed and leave after the Scheduled Departure Date, or return You to the return destination of the Covered Trip as specified in the original travel documents from the point where You interrupted the Covered Trip, or rejoin the Covered Trip from the point where You interrupted the Covered Trip.

d) If You used frequent traveler awards (frequent flyer miles or Hotel rewards) for any part of a Covered Trip, We will pay the fees incurred by You for re-depositing those awards in Your account if the Covered Trip is interrupted for any of the Unforeseen Events listed below.

e) Return air travel up to the lesser of the cost of an economy flight or the amount shown in the Schedule of Benefits. In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) The death or hospitalization of Your Host at Destination.

c) Inclement weather, Natural Disaster, or Terrorist Attack which results in the complete cessation of travel services at the point of departure or destination for at least 48 consecutive hours.

d) Mandatory evacuation ordered by local authorities at Your final destination due to hurricane or other Natural Disaster. You must have 50% of Your total Covered Trip length or less remaining on the Covered Trip, at the time the mandatory evacuation ends, in order to cancel the Covered Trip. This benefit only applies if purchased within 14 days of the initial Covered Trip payment.

e) Natural Disaster or documented man-made disaster at the site of Your destination which renders Your accommodations at Your destination uninhabitable.

f) Strike that causes complete cessation of services of Your Common Carrier for at least 48 consecutive hours.

g) If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within a 100 mile radius of the territorial City limits of the City to be visited as shown in Your itinerary, and if the United States government issues a travel advisory indicating that Americans should not travel to a City named on the itinerary.

h) You, or Your Traveling Companion or Family Member, who are military personnel, are called to emergency duty due to a Natural Disaster other than war, military duty within 30 days of departure, or You have Your leave revoked or You are redeployed.

i) The primary or secondary school where You or Your Traveling Companion attend(s) must extend its operating session beyond the pre-defined school year, due to Unforeseen Events commencing during the Policy effective period, and the travel dates for the Covered Trip fall within the period of the school year extension. Extensions due to extra-curricular or athletic events are not covered.

j) You are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 2 consecutive years.

k) You and/or Your Traveling Companion are hijacked; quarantined; required to serve on a jury; subpoenaed; required to appear as a witness in a legal action, provided You are or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer; the victim of felonious assault; having Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.

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

ENHANCED UNFORESEEN EVENTS

These Unforeseen Events are optional and must be shown on Your Confirmation of Benefits.

a) Bankruptcy and/or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate Transportation is available. If alternate Transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment.

b) Mechanical breakdown of the Common Carrier on which You are scheduled to travel resulting in a cancellation or suspension of travel by that Common Carrier for that Covered Trip. This must be documented by the Common Carrier.

c) Your normal pregnancy as long as the pregnancy occurs after Your Effective Date of coverage and can be verified by medical records.

d) You will be attending a Family Member’s childbirth as long as the pregnancy occurs after Your Effective Date of coverage and can be verified by medical records.

10 AXA Assistance USA
Silver
100% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from continuing or resuming Your Covered Trip due to any of the Unforeseen events listed below.

We will pay You:

a) for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s); or

b) additional Transportation expenses incurred by You; or

c) return air travel up to the lesser of the cost of an economy flight or the amount shown in the Schedule of Benefits.

In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) Inclement weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 48 consecutive hours.

c) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable.

d) Strike that causes complete cessation of services of Your Common Carrier for at least 48 consecutive hours.

e) You and/or Your Traveling Companion are hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You are or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer.

f) You and/or Your Traveling Companion are the victim of felonious assault; have Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.

g) You or Your Traveling Companion who are military personnel, are called to emergency duty for a disaster other than war or are called to active military duty, have their leave revoked or are reassigned for reasons other than War.

SINGLE OCCUPANCY

We will pay You, up to the maximum shown on the Schedule of Benefits, for the additional cost incurred during the Covered Trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with You has his or her Covered Trip delayed, canceled, or interrupted for a covered reason and You do not cancel Your Covered Trip.

11 AXA Assistance USA
Gold
150% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from continuing or resuming Your Covered Trip due to any of the Unforeseen events listed below.

We will pay You:

a) for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s); or

b) additional Transportation expenses incurred by You; or

c) return air travel up to the lesser of the cost of an economy flight or the amount shown in the Schedule of Benefits.

In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) The death or hospitalization of Your Host at Destination.

c) Inclement weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 48 consecutive hours.

d) Mandatory evacuation ordered by local authorities at Your destination due to hurricane or other Natural Disaster. You must have 50% or less of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.

e) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable.

f) Strike that causes complete cessation of services of Your Common Carrier for at least 48 consecutive hours.

g) Your transfer by the employer with whom You are employed on the Effective Date of insurance which requires Your principal residence to be relocated.

h) You or Your Traveling Companion are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 2 consecutive years.

i) If within 7 days of Your departure, a politically motivated Terrorist Attack occurs within a 50 mile radius of the territorial City limits of the City to be visited as shown in Your itinerary and the United States government issues a travel advisory indicating that Americans should not travel to a City named on the itinerary.

j) You and/or Your Traveling Companion are hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You are or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer.

k) You and/or Your Traveling Companion are the victim of felonious assault; have Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.

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

m) You or Your Traveling Companion who are military personnel, are called to emergency duty for a disaster other than war or are called to active military duty, have their leave revoked or are reassigned for reasons other than War.

n) A cancellation of Your Covered Trip if Your arrival on the Covered Trip is delayed and causes You to lose 51% or more of the scheduled Covered Trip duration due to the reasons covered under the Trip Delay benefit.

12 AXA Assistance USA
Platinum
150% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from continuing or resuming Your Covered Trip due to any of the Unforeseen events listed below.

We will pay You:

a) for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s); or

b) additional Transportation expenses incurred by You; or

c) return air travel up to the lesser of the cost of an economy flight or the amount shown in the Schedule of Benefits.

In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) The death or hospitalization of Your Host at Destination.

c) You or Your Traveling Companion are not medically able to receive the required immunizations for entry into any country of Destination, provided that such requirement was not in place at the time of the Effective Date of Trip Cancellation coverage.

d) Inclement weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 24 consecutive hours.

e) Mandatory evacuation ordered by local authorities at Your destination due to hurricane or other Natural Disaster. You must have 50% or less of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.

f) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable.

g) Strike that causes complete cessation of services of Your Common Carrier for at least 48 consecutive hours.

h) Your transfer by the employer with whom You are employed on the Effective Date of insurance which requires Your principal residence to be relocated.

i) You or Your Traveling Companion are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 2 consecutive years.

j) If within 7 days of Your departure, a politically motivated Terrorist Attack occurs within a 50 mile radius of the territorial City limits of the City to be visited as shown in Your itinerary and the United States government issues a travel advisory indicating that Americans should not travel to a City named on the itinerary.

k) Bankruptcy and/or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Your Scheduled Departure Date must be no more than 12 months beyond Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate Transportation is available. If alternate Transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment.

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

m) You and/or Your Traveling Companion are hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You are or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer.

n) You and/or Your Traveling Companion are the victim of felonious assault; have Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.

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

p) You or Your Traveling Companion who are military personnel, are called to emergency duty for a disaster other than war or are called to active military duty, have their leave revoked or are reassigned for reasons other than War.

q) A cancellation of Your Covered Trip if Your arrival on the Covered Trip is delayed and causes You to lose 51% or more of the scheduled Covered Trip duration due to the reasons covered under the Trip Delay benefit.

r) The primary or secondary school where You or Your Traveling Companion attend(s) must extend its operating session beyond the pre-defined school year, due to Unforeseen events commencing during the Policy effective period, and the travel dates for the Covered Trip fall within the period of the school year extension. Extensions due to extra- curricular or athletic events are not covered.

13 Azimuth Risk Solutions, LLC
Beacon America incl US
No coverage Quote

Full Policy Wording

There is no Trip Interruption coverage with this plan.

14 Azimuth Risk Solutions, LLC
Beacon International excl US
No coverage Quote

Full Policy Wording

There is no Trip Interruption coverage with this plan.

15 CSA Travel Protection
Custom
150% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION BENEFIT

If your arrival on your Trip is delayed beyond your Scheduled Departure Date, or if you are unable to continue the Trip due to one of the unforeseeable Covered Events listed below that occur during your Trip dates to you or your Traveling Companion, we will reimburse you for the unused, non-refundable land or water arrangements prepaid to the Travel Supplier prior to departing on your Trip, less any refunds paid or payable, plus one of the following:

a) Additional transportation expenses incurred to reach your scheduled destination if your departure is delayed and you leave after the Scheduled Departure Date and time; or

b) Additional transportation expenses incurred for you to reach the final return destination of your Trip; or

c) Additional transportation expenses incurred to rejoin the Trip in progress from the point where you interrupted your Trip.

We will also provide reimbursement for unused air arrangements, less any refunds paid or payable, provided that these are not flights scheduled to travel to your Trip destination or flights scheduled to your origin of departure on your Trip, and provided that these are not flights within 24 hours of your Scheduled Departure Date or Scheduled Return Date.

Covered Events:

1. The Sickness, Injury or death of you, your Family Member, your Service Animal or your Traveling Companion. The Sickness or Injury must first commence while your Trip Interruption coverage is in effect under the Policy, must require the in person treatment by a Physician, and must be so disabling in the written opinion of a Physician as to prevent you from taking your Trip (either because your condition prevents your travel, or because your Family Member, Traveling Companion or your Service Animal requires your care);

2. Common Carrier delays and/or cancellations resulting from adverse weather, mechanical breakdown of the aircraft, ship, boat or motor coach that you were scheduled to travel on, or organized labor strikes that affect public transportation;

3. Being directly involved in a documented traffic accident while en route to departure on your Trip;

4. Being hijacked or Quarantined;

5. Being required to serve on a jury, or required by a court order to appear as a witness in a legal action provided you, a Family Member or a Traveling Companion is not a party to the legal action or appearing as a law enforcement officer;

6. Your Home made Uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;

7. Your Accommodations at your destination made Uninhabitable due to fire, flood, volcano, earthquake, hurricane or other natural disaster. We will only pay benefits for losses occurring within 30 calendar days after the event renders the destination Uninhabitable. For the purpose of this coverage, Uninhabitable means: (i) the building itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail or flood; or (iii) immediate safety hazards have yet to be cleared, such as debris on roofs or downed electrical lines. In order to receive benefits under this coverage to remain home or to return home when the destination is restored for use, you must have 4 days or 50% of your total Trip length or less remaining at the time the destination is restored for use. Benefits are not payable if the event occurs or if the hurricane is named prior to or on your Trip Cancellation Coverage Effective Date;

8. A documented theft of your passports or visas;

9. A mandatory evacuation (or public official evacuation advisement in geographic areas where no mandatory evacuation orders are issued by government authorities) at your destination due to adverse weather or natural disasters. We will only pay benefits for losses occurring within 30 calendar days after the evacuation order is issued. In order to receive benefits under this coverage to remain home or to return home when the mandatory evacuation ends, you must have 4 days or 50% of your total Trip length or less remaining on your Trip at the time the mandatory evacuation ends;

10. Being called into active military service to provide aid or relief in the event of a natural disaster;

11. Your previously granted military leave being revoked. The leave must be approved prior to your coverage becoming effective, and official written revocation notice from your commanding officer will be required;

12. Your involuntary termination of employment or layoff (or the involuntary termination or layoff of your parent or guardian if you are a minor traveling alone), after continuous employment with the same employer for 1 year or more, provided the termination or layoff occurs 14 days or more after your coverage has taken effect. This benefit is not available to temporary employees, independent contractors, or self-employed persons;

13. A Terrorist Act which occurs in your departure city or in a city to which you are scheduled to travel while on your Trip, and which occurs within 30 days of your Scheduled Departure Date, provided the city has not experienced a Terrorist Act in the 30 days prior to the effective date of your coverage;

14. Your Host being unable to provide Accommodations due to a life-threatening Sickness or Injury, or due to death. Official documentation of the event will be required;

15. The school where you attend must extend its operating session beyond its predefined school year due to unforeseeable events commencing during the Policy effective period. The school year extension dates must fall in your Trip dates in order for this coverage to be available. Extensions due to extracurricular or athletic events are not covered;

16. Being required to take an academic examination on a date that has been fixed while on your Trip, and the examination date falls within your Trip dates;

17. Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of destination while on your Trip. The vaccination or inoculation must be unannounced and unpublished to the public at the time your coverage is purchased;

18. Receiving official notification of an organ match available to you for immediate transplant, provided the transplant is considered medically necessary, the notification is received while you are on your Trip, and in the written opinion of the Physician the transplant surgery and/or recovery is so disabling as to prevent you from continuing on your Trip;

19. Receiving a court-issued notice to attend an Adoption Proceeding, provided you are not attending as a condition of your employment and provided the person being adopted is not you, your Traveling Companion or your Family Member. The date of the scheduled Adoption Proceeding must be during your Trip dates;

20. Receiving notice that your Adoption Proceeding or adoption arrangements have been cancelled or terminated, provided your Trip was for the purpose of executing the adoption.

Limitations

Benefits payable for additional transportation expenses will not exceed the cost of airfare (the same class airfare on which you were originally booked) by the most direct route, less any refunds paid or payable.

This coverage is subject to the General Exclusions.

16 GeoBlue
Voyager Choice
$500 per person Return transportation only Quote

Full Policy Wording

All participants are eligible for an additional allowance up to $500 if, post departure, your trip is shortened or interrupted for medical reasons, a terrorist event or an imminent threat* to personal safety. In that event, a participant will be reimbursed for the cost of changing an airline ticket or ground transportation ticket of the same class as the unused travel ticket to return home in an amount up to $500 (subject to submission of the proper documentation such as a medical report).

*Threat must be documented by U.S. State Department travel warning that is issued during your trip

17 GeoBlue
Voyager Essential
$500 per person Return transportation only Quote

Full Policy Wording

All participants are eligible for an additional allowance up to $500 if, post departure, your trip is shortened or interrupted for medical reasons, a terrorist event or an imminent threat* to personal safety. In that event, a participant will be reimbursed for the cost of changing an airline ticket or ground transportation ticket of the same class as the unused travel ticket to return home in an amount up to $500 (subject to submission of the proper documentation such as a medical report).

*Threat must be documented by U.S. State Department travel warning that is issued during your trip

18 GeoBlue
Trekker Choice excl US
No coverage Quote

Full Policy Wording

There is no Trip Interruption coverage with this plan.

19 GeoBlue
Trekker Essential excl US
No coverage Quote

Full Policy Wording

There is no Trip Interruption coverage with this plan.

20 HCC Medical Insurance Services
Atlas International excl US
$5,000 per person Return transportation only Quote

Full Policy Wording

ELIGIBLE EXPENSESTRIP INTERRUPTION

1. The cost of an economy one-way air or ground transportation ticket for the Member to the terminal serving the area of the Member’s Principal Residence.

Underwriters will provide the above benefit only when the Conditions and Restrictions in this policy are met and following receipt of proof of one or more of the following events: Destruction, after departure from Home Country, resulting from fire or weather of more than 40% of the Member’s Principal Residence, or death of a parent, spouse, sibling, child, or grandchild.

2. The cost of an economy one-way air and/or ground transportation ticket for the Member from the area where the Member was hospitalized following an Emergency Medical Evacuation to the area where the Member was initially evacuated from or to the terminal serving the area of the Member’s Principal Residence.

Underwriters will provide the above benefit only when the Conditions and Restrictions in this policy are met and only following a covered Emergency Medical Evacuation when the attending Physician states that it is Medically Necessary for the Member to return to his or her Home Country or to the area from which he or she was initially evacuated for continued treatment, recuperation and recovery.

21 HCC Medical Insurance Services
Atlas America incl US
$5,000 per person Return transportation only Quote

Full Policy Wording

ELIGIBLE EXPENSESTRIP INTERRUPTION

1. The cost of an economy one-way air or ground transportation ticket for the Member to the terminal serving the area of the Member’s Principal Residence.

Underwriters will provide the above benefit only when the Conditions and Restrictions in this policy are met and following receipt of proof of one or more of the following events: Destruction, after departure from Home Country, resulting from fire or weather of more than 40% of the Member’s Principal Residence, or death of a parent, spouse, sibling, child, or grandchild.

2. The cost of an economy one-way air and/or ground transportation ticket for the Member from the area where the Member was hospitalized following an Emergency Medical Evacuation to the area where the Member was initially evacuated from or to the terminal serving the area of the Member’s Principal Residence.

Underwriters will provide the above benefit only when the Conditions and Restrictions in this policy are met and only following a covered Emergency Medical Evacuation when the attending Physician states that it is Medically Necessary for the Member to return to his or her Home Country or to the area from which he or she was initially evacuated for continued treatment, recuperation and recovery.

22 HCC Medical Insurance Services
Atlas MultiTrip incl US
$5,000 per person Return transportation only Quote

Full Policy Wording

ELIGIBLE EXPENSESTRIP INTERRUPTION

1. The cost of an economy one-way air or ground transportation ticket for the Member to the terminal serving the area of the Member’s Principal Residence.

Underwriters will provide the above benefit only when the Conditions and Restrictions in this policy are met and
following receipt of proof of one or more of the following events: Destruction, after departure from Home Country, resulting from fire or weather of more than 40% of the Member’s Principal Residence, or death of a parent, spouse, sibling, child, or grandchild.

2. The cost of an economy one-way air and/or ground transportation ticket for the Member from the area where the Member was hospitalized following an Emergency Medical Evacuation to the area where the Member was initially evacuated from or to the terminal serving the area of the Member’s Principal Residence.

Underwriters will provide the above benefit only when the Conditions and Restrictions in this policy are met and
only following a covered Emergency Medical Evacuation when the attending Physician states that it is Medically Necessary for the Member to return to his or her Home Country or to the area from which he or she was initially evacuated for continued treatment, recuperation and recovery.

23 HCC Medical Insurance Services
Atlas MultiTrip excl US
$5,000 per person Quote

Full Policy Wording

ELIGIBLE EXPENSESTRIP INTERRUPTION

1. The cost of an economy one-way air or ground transportation ticket for the Member to the terminal serving the area of the Member’s Principal Residence.

Underwriters will provide the above benefit only when the Conditions and Restrictions in this policy are met and
following receipt of proof of one or more of the following events: Destruction, after departure from Home Country, resulting from fire or weather of more than 40% of the Member’s Principal Residence, or death of a parent, spouse, sibling, child, or grandchild.

2. The cost of an economy one-way air and/or ground transportation ticket for the Member from the area where the Member was hospitalized following an Emergency Medical Evacuation to the area where the Member was initially evacuated from or to the terminal serving the area of the Member’s Principal Residence.

Underwriters will provide the above benefit only when the Conditions and Restrictions in this policy are met and only following a covered Emergency Medical Evacuation when the attending Physician states that it is Medically Necessary for the Member to return to his or her Home Country or to the area from which he or she was initially evacuated for continued treatment, recuperation and recovery.

24 HTH Travel Insurance
TravelGap Voyager excl US
$500 per person Return Air only Quote

Full Policy Wording

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Benefits, if You join Your Trip after departure, or are unable to continue on the covered Trip due to any of the following reasons that are Unforeseen and take place after departure:

Your Sickness, Accidental Injury or death that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

A Terrorist Incident in a country that is part of the Trip that causes the United States Government to issue a travel warning that You should not travel within that country for a period of time that would include the Trip. This does not include flight connections or other transportation arrangements to reach Your destination.

The Company will reimburse You for the following:
(a) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Land/Sea Arrangements, limited to the cost of one-way economy airfare, or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets.

In no event shall the amount reimbursed exceed the Maximum Benefit shown on the Confirmation of Benefits.

25 HTH Travel Insurance
TravelGap Multi-Trip Silver excl US
No coverage Quote

Full Policy Wording

There is no Trip Interruption coverage with this plan.

26 HTH Travel Insurance
TravelGap Multi-Trip Gold excl US
No coverage Quote

Full Policy Wording

There is no Trip Interruption coverage with this plan.

27 HTH Travel Insurance
TravelGap Excursion excl US
$500 per person Return Air only Quote

Full Policy Wording

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Benefits, if You join Your Trip after departure, or are unable to continue on the covered Trip due to any of the following reasons that are Unforeseen and take place after departure:

Your Sickness, Accidental Injury or death that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

A Terrorist Incident in a country that is part of the Trip that causes the United States Government to issue a travel warning that You should not travel within that country for a period of time that would include the Trip. This does not include flight connections or other transportation arrangements to reach Your destination.

The Company will reimburse You for the following:
(a) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Land/Sea Arrangements, limited to the cost of one-way economy airfare, or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets.

28 InsureandGo USA
Silver
150% of the trip cost Quote

Full Policy Wording

TRIP CANCELLATION & TRIP INTERRUPTION

The Company will pay a benefit, up to the limit shown on the confirmation of Coverage, if You are prevented from taking or unable to continue Your Covered Trip for any of the following reasons that take place after the Effective Date:

a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) You or a Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of felonious assault within ten (10) days of departure; or having his/her principal place of residence made uninhabitable by fire, flood or other natural disaster; or burglary of his/her principal place of residence within ten (10) days of departure.

c) You or a Traveling Companion being directly involved in a traffic Accident substantiated by a police report, while en route to departure.

d) A transfer of You by the employer with whom You are employed on the Effective Date that requires Your principal residence to be relocated.

e) The death or hospitalization of Your Host at Destination.

f) Strike that causes complete cessation of services for at least twenty-four (24) consecutive hours unless You purchase the policy on or after that date that union members vote to approve a strike.

g) You are terminated, or laid off from employment subject to three (3) years of continuous employment at the place of employment where terminated.

h) Weather that causes complete cessation of services of Your Common Carrier for at least twenty-four (24) consecutive hours. This benefit will not apply if the storm causing the cessation of services has been named prior to purchase of this coverage.

i) A cancellation of Your Covered Trip if Your arrival on the Covered Trip is delayed and causes You to lose 50% or more of the scheduled Covered Trip duration due to a defined Hazard (Trip Cancellation Only).

j) A Terrorist Incident that occurs in Your departure or destination city; or a city listed on Your Covered Trip Itinerary and within thirty (30) days prior to Your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the ninety (90) days prior to the Terrorist Incident that is causing the cancellation of Your Covered Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. Your Scheduled Departure Date must be no more than twenty-four (24) months beyond Your Effective Date. This benefit only applies if the plan has been purchased within twenty-one (21) days of Your initial payment for the Covered Trip and for the full cost of the Covered Trip.

k) Your Traveling Companion or Family Member, who is military personnel, and is called to emergency duty for a natural disaster other than war.

l) Natural disaster at the site of Your destination that renders the destination accommodations uninhabitable. This benefit will not apply if the Natural Disaster has been forecasted prior to purchase of this coverage.

TRIP INTERRUPTION

The Company will pay for the following:

a) Unused, non-refundable land or sea expenses prepaid to the Travel Suppliers;

b) The airfare paid less the value of applied credit from an unused travel ticket to return home, join or rejoin the original Land/Sea Arrangements limited to the cost of one-way economy airfare or similar quality as the originally issued ticket by scheduled carrier.

The Company will pay for reasonable additional accommodation and transportation expenses incurred by You (up to the daily limit shown in Your Confirmation of Coverage) if a Traveling Companion must remain hospitalized, or if You must extend the Covered Trip with additional hotel nights due to a Physician certifying that You cannot fly home due to an Accident or a Sickness but does not require hospitalization. In no event shall the amount reimbursed exceed the Maximum Benefit shown on the Confirmation of Coverage.

SINGLE OCCUPANCY COVERAGE

The Company will reimburse You, up to the limit shown on the Confirmation of Coverage for Trip Cancellation, for the additional cost incurred during the Covered Trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with You has his/her Covered Trip delayed, canceled, or interrupted for a covered reason and You do not cancel.

29 InsureandGo USA
Gold
150% of the trip cost Quote

Full Policy Wording

TRIP CANCELLATION & TRIP INTERRUPTION

The Company will pay a benefit, up to the limit shown on the confirmation of Coverage, if You are prevented from taking or unable to continue Your Covered Trip for any of the following reasons that take place after the Effective Date:

a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) You or a Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of felonious assault within ten (10) days of departure; or having his/her principal place of residence made uninhabitable by fire, flood or other natural disaster; or burglary of his/her principal place of residence within ten (10) days of departure.

c) You or a Traveling Companion being directly involved in a traffic Accident substantiated by a police report, while en route to departure.

d) A transfer of You by the employer with whom You are employed on the Effective Date that requires Your principal residence to be relocated.

e) The death or hospitalization of Your Host at Destination.

f) Strike that causes complete cessation of services for at least twenty-four (24) consecutive hours unless You purchase the policy on or after that date that union members vote to approve a strike.

g) You are terminated, or laid off from employment subject to three (3) years of continuous employment at the place of employment where terminated.

h) Weather that causes complete cessation of services of Your Common Carrier for at least twenty-four (24) consecutive hours. This benefit will not apply if the storm causing the cessation of services has been named prior to purchase of this coverage.

i) A cancellation of Your Covered Trip if Your arrival on the Covered Trip is delayed and causes You to lose 50% or more of the scheduled Covered Trip duration due to a defined Hazard (Trip Cancellation Only).

j) A Terrorist Incident that occurs in Your departure or destination city; or a city listed on Your Covered Trip Itinerary and within thirty (30) days prior to Your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the ninety (90) days prior to the Terrorist Incident that is causing the cancellation of Your Covered Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. Your Scheduled Departure Date must be no more than twenty-four (24) months beyond Your Effective Date. This benefit only applies if the plan has been purchased within twenty-one (21) days of Your initial payment for the Covered Trip and for the full cost of the Covered Trip.

k) Your Traveling Companion or Family Member, who is military personnel, and is called to emergency duty for a natural disaster other than war.

l) Natural disaster at the site of Your destination that renders the destination accommodations uninhabitable. This benefit will not apply if the Natural Disaster has been forecasted prior to purchase of this coverage.

TRIP INTERRUPTION

The Company will pay for the following:

a) Unused, non-refundable land or sea expenses prepaid to the Travel Suppliers;

b) The airfare paid less the value of applied credit from an unused travel ticket to return home, join or rejoin the original Land/Sea Arrangements limited to the cost of one-way economy airfare or similar quality as the originally issued ticket by scheduled carrier.

The Company will pay for reasonable additional accommodation and transportation expenses incurred by You (up to the daily limit shown in Your Confirmation of Coverage) if a Traveling Companion must remain hospitalized, or if You must extend the Covered Trip with additional hotel nights due to a Physician certifying that You cannot fly home due to an Accident or a Sickness but does not require hospitalization. In no event shall the amount reimbursed exceed the Maximum Benefit shown on the Confirmation of Coverage.

SINGLE OCCUPANCY COVERAGE

The Company will reimburse You, up to the limit shown on the Confirmation of Coverage for Trip Cancellation, for the additional cost incurred during the Covered Trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with You has his/her Covered Trip delayed, canceled, or interrupted for a covered reason and You do not cancel.

30 InsureandGo USA
Platinum
150% of the trip cost Quote

Full Policy Wording

TRIP CANCELLATION & TRIP INTERRUPTION

The Company will pay a benefit, up to the limit shown on the confirmation of Coverage, if You are prevented from taking or unable to continue Your Covered Trip for any of the following reasons that take place after the Effective Date:

a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) You or a Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of felonious assault within ten (10) days of departure; or having his/her principal place of residence made uninhabitable by fire, flood or other natural disaster; or burglary of his/her principal place of residence within ten (10) days of departure.

c) You or a Traveling Companion being directly involved in a traffic Accident substantiated by a police report, while en route to departure.

d) A transfer of You by the employer with whom You are employed on the Effective Date that requires Your principal residence to be relocated.

e) The death or hospitalization of Your Host at Destination.

f) Strike that causes complete cessation of services for at least twenty-four (24) consecutive hours unless You purchase the policy on or after that date that union members vote to approve a strike.

g) You are terminated, or laid off from employment subject to three (3) years of continuous employment at the place of employment where terminated.

h) Weather that causes complete cessation of services of Your Common Carrier for at least twenty-four (24) consecutive hours. This benefit will not apply if the storm causing the cessation of services has been named prior to purchase of this coverage.

i) A cancellation of Your Covered Trip if Your arrival on the Covered Trip is delayed and causes You to lose 50% or more of the scheduled Covered Trip duration due to a defined Hazard (Trip Cancellation Only).

j) A Terrorist Incident that occurs in Your departure or destination city; or a city listed on Your Covered Trip Itinerary and within thirty (30) days prior to Your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the ninety (90) days prior to the Terrorist Incident that is causing the cancellation of Your Covered Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. Your Scheduled Departure Date must be no more than twenty-four (24) months beyond Your Effective Date. This benefit only applies if the plan has been purchased within twenty-one (21) days of Your initial payment for the Covered Trip and for the full cost of the Covered Trip.

k) Your Traveling Companion or Family Member, who is military personnel, and is called to emergency duty for a natural disaster other than war.

l) Natural disaster at the site of Your destination that renders the destination accommodations uninhabitable. This benefit will not apply if the Natural Disaster has been forecasted prior to purchase of this coverage.

TRIP INTERRUPTION

The Company will pay for the following:

a) Unused, non-refundable land or sea expenses prepaid to the Travel Suppliers;

b) The airfare paid less the value of applied credit from an unused travel ticket to return home, join or rejoin the original Land/Sea Arrangements limited to the cost of one-way economy airfare or similar quality as the originally issued ticket by scheduled carrier.

The Company will pay for reasonable additional accommodation and transportation expenses incurred by You (up to the daily limit shown in Your Confirmation of Coverage) if a Traveling Companion must remain hospitalized, or if You must extend the Covered Trip with additional hotel nights due to a Physician certifying that You cannot fly home due to an Accident or a Sickness but does not require hospitalization. In no event shall the amount reimbursed exceed the Maximum Benefit shown on the Confirmation of Coverage.

SINGLE OCCUPANCY COVERAGE

The Company will reimburse You, up to the limit shown on the Confirmation of Coverage for Trip Cancellation, for the additional cost incurred during the Covered Trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with You has his/her Covered Trip delayed, canceled, or interrupted for a covered reason and You do not cancel.

31 InsureandGo USA
Global Silver excl US
150% of the trip cost Quote

Full Policy Wording

TRIP CANCELLATION & TRIP INTERRUPTION

The Company will pay a benefit, up to the limit shown on the confirmation of Coverage, if You are prevented from taking or unable to continue Your Covered Trip for any of the following reasons that take place after the Effective Date:

a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) You or a Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of felonious assault within ten (10) days of departure; or having his/her principal place of residence made uninhabitable by fire, flood or other natural disaster; or burglary of his/her principal place of residence within ten (10) days of departure.

c) You or a Traveling Companion being directly involved in a traffic Accident substantiated by a police report, while en route to departure.

d) A transfer of You by the employer with whom You are employed on the Effective Date that requires Your principal residence to be relocated.

e) The death or hospitalization of Your Host at Destination.

f) Strike that causes complete cessation of services for at least twenty-four (24) consecutive hours unless You purchase the policy on or after that date that union members vote to approve a strike.

g) You are terminated, or laid off from employment subject to three (3) years of continuous employment at the place of employment where terminated.

h) Weather that causes complete cessation of services of Your Common Carrier for at least twenty-four (24) consecutive hours. This benefit will not apply if the storm causing the cessation of services has been named prior to purchase of this coverage.

i) A cancellation of Your Covered Trip if Your arrival on the Covered Trip is delayed and causes You to lose 50% or more of the scheduled Covered Trip duration due to a defined Hazard (Trip Cancellation Only).

j) A Terrorist Incident that occurs in Your departure or destination city; or a city listed on Your Covered Trip Itinerary and within thirty (30) days prior to Your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the ninety (90) days prior to the Terrorist Incident that is causing the cancellation of Your Covered Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. Your Scheduled Departure Date must be no more than twenty-four (24) months beyond Your Effective Date. This benefit only applies if the plan has been purchased within twenty-one (21) days of Your initial payment for the Covered Trip and for the full cost of the Covered Trip.

k) Your Traveling Companion or Family Member, who is military personnel, and is called to emergency duty for a natural disaster other than war.

l) Natural disaster at the site of Your destination that renders the destination accommodations uninhabitable. This benefit will not apply if the Natural Disaster has been forecasted prior to purchase of this coverage.

TRIP INTERRUPTION

The Company will pay for the following:

a) Unused, non-refundable land or sea expenses prepaid to the Travel Suppliers;

b) The airfare paid less the value of applied credit from an unused travel ticket to return home, join or rejoin the original Land/Sea Arrangements limited to the cost of one-way economy airfare or similar quality as the originally issued ticket by scheduled carrier.

The Company will pay for reasonable additional accommodation and transportation expenses incurred by You (up to the daily limit shown in Your Confirmation of Coverage) if a Traveling Companion must remain hospitalized, or if You must extend the Covered Trip with additional hotel nights due to a Physician certifying that You cannot fly home due to an Accident or a Sickness but does not require hospitalization. In no event shall the amount reimbursed exceed the Maximum Benefit shown on the Confirmation of Coverage.

SINGLE OCCUPANCY COVERAGE

The Company will reimburse You, up to the limit shown on the Confirmation of Coverage for Trip Cancellation, for the additional cost incurred during the Covered Trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with You has his/her Covered Trip delayed, canceled, or interrupted for a covered reason and You do not cancel.

32 InsureandGo USA
Global Gold excl US
150% of the trip cost Quote

Full Policy Wording

TRIP CANCELLATION & TRIP INTERRUPTION

The Company will pay a benefit, up to the limit shown on the confirmation of Coverage, if You are prevented from taking or unable to continue Your Covered Trip for any of the following reasons that take place after the Effective Date:

a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) You or a Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of felonious assault within ten (10) days of departure; or having his/her principal place of residence made uninhabitable by fire, flood or other natural disaster; or burglary of his/her principal place of residence within ten (10) days of departure.

c) You or a Traveling Companion being directly involved in a traffic Accident substantiated by a police report, while en route to departure.

d) A transfer of You by the employer with whom You are employed on the Effective Date that requires Your principal residence to be relocated.

e) The death or hospitalization of Your Host at Destination.

f) Strike that causes complete cessation of services for at least twenty-four (24) consecutive hours unless You purchase the policy on or after that date that union members vote to approve a strike.

g) You are terminated, or laid off from employment subject to three (3) years of continuous employment at the place of employment where terminated.

h) Weather that causes complete cessation of services of Your Common Carrier for at least twenty-four (24) consecutive hours. This benefit will not apply if the storm causing the cessation of services has been named prior to purchase of this coverage.

i) A cancellation of Your Covered Trip if Your arrival on the Covered Trip is delayed and causes You to lose 50% or more of the scheduled Covered Trip duration due to a defined Hazard (Trip Cancellation Only).

j) A Terrorist Incident that occurs in Your departure or destination city; or a city listed on Your Covered Trip Itinerary and within thirty (30) days prior to Your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the ninety (90) days prior to the Terrorist Incident that is causing the cancellation of Your Covered Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. Your Scheduled Departure Date must be no more than twenty-four (24) months beyond Your Effective Date. This benefit only applies if the plan has been purchased within twenty-one (21) days of Your initial payment for the Covered Trip and for the full cost of the Covered Trip.

k) Your Traveling Companion or Family Member, who is military personnel, and is called to emergency duty for a natural disaster other than war.

l) Natural disaster at the site of Your destination that renders the destination accommodations uninhabitable. This benefit will not apply if the Natural Disaster has been forecasted prior to purchase of this coverage.

TRIP INTERRUPTION

The Company will pay for the following:

a) Unused, non-refundable land or sea expenses prepaid to the Travel Suppliers;

b) The airfare paid less the value of applied credit from an unused travel ticket to return home, join or rejoin the original Land/Sea Arrangements limited to the cost of one-way economy airfare or similar quality as the originally issued ticket by scheduled carrier.

The Company will pay for reasonable additional accommodation and transportation expenses incurred by You (up to the daily limit shown in Your Confirmation of Coverage) if a Traveling Companion must remain hospitalized, or if You must extend the Covered Trip with additional hotel nights due to a Physician certifying that You cannot fly home due to an Accident or a Sickness but does not require hospitalization. In no event shall the amount reimbursed exceed the Maximum Benefit shown on the Confirmation of Coverage.

SINGLE OCCUPANCY COVERAGE

The Company will reimburse You, up to the limit shown on the Confirmation of Coverage for Trip Cancellation, for the additional cost incurred during the Covered Trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with You has his/her Covered Trip delayed, canceled, or interrupted for a covered reason and You do not cancel.

33 InsureandGo USA
Global Platinum excl US
150% of the trip cost Quote

Full Policy Wording

TRIP CANCELLATION & TRIP INTERRUPTION

The Company will pay a benefit, up to the limit shown on the confirmation of Coverage, if You are prevented from taking or unable to continue Your Covered Trip for any of the following reasons that take place after the Effective Date:

a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) You or a Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of felonious assault within ten (10) days of departure; or having his/her principal place of residence made uninhabitable by fire, flood or other natural disaster; or burglary of his/her principal place of residence within ten (10) days of departure.

c) You or a Traveling Companion being directly involved in a traffic Accident substantiated by a police report, while en route to departure.

d) A transfer of You by the employer with whom You are employed on the Effective Date that requires Your principal residence to be relocated.

e) The death or hospitalization of Your Host at Destination.

f) Strike that causes complete cessation of services for at least twenty-four (24) consecutive hours unless You purchase the policy on or after that date that union members vote to approve a strike.

g) You are terminated, or laid off from employment subject to three (3) years of continuous employment at the place of employment where terminated.

h) Weather that causes complete cessation of services of Your Common Carrier for at least twenty-four (24) consecutive hours. This benefit will not apply if the storm causing the cessation of services has been named prior to purchase of this coverage.

i) A cancellation of Your Covered Trip if Your arrival on the Covered Trip is delayed and causes You to lose 50% or more of the scheduled Covered Trip duration due to a defined Hazard (Trip Cancellation Only).

j) A Terrorist Incident that occurs in Your departure or destination city; or a city listed on Your Covered Trip Itinerary and within thirty (30) days prior to Your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the ninety (90) days prior to the Terrorist Incident that is causing the cancellation of Your Covered Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. Your Scheduled Departure Date must be no more than twenty-four (24) months beyond Your Effective Date. This benefit only applies if the plan has been purchased within twenty-one (21) days of Your initial payment for the Covered Trip and for the full cost of the Covered Trip.

k) Your Traveling Companion or Family Member, who is military personnel, and is called to emergency duty for a natural disaster other than war.

l) Natural disaster at the site of Your destination that renders the destination accommodations uninhabitable. This benefit will not apply if the Natural Disaster has been forecasted prior to purchase of this coverage.

TRIP INTERRUPTION

The Company will pay for the following:

a) Unused, non-refundable land or sea expenses prepaid to the Travel Suppliers;

b) The airfare paid less the value of applied credit from an unused travel ticket to return home, join or rejoin the original Land/Sea Arrangements limited to the cost of one-way economy airfare or similar quality as the originally issued ticket by scheduled carrier.

The Company will pay for reasonable additional accommodation and transportation expenses incurred by You (up to the daily limit shown in Your Confirmation of Coverage) if a Traveling Companion must remain hospitalized, or if You must extend the Covered Trip with additional hotel nights due to a Physician certifying that You cannot fly home due to an Accident or a Sickness but does not require hospitalization. In no event shall the amount reimbursed exceed the Maximum Benefit shown on the Confirmation of Coverage.

SINGLE OCCUPANCY COVERAGE

The Company will reimburse You, up to the limit shown on the Confirmation of Coverage for Trip Cancellation, for the additional cost incurred during the Covered Trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with You has his/her Covered Trip delayed, canceled, or interrupted for a covered reason and You do not cancel.

34 iTravelInsured
Travel Lite
100% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION

Benefits will be paid, up to the Maximum Benefit Amount shown in the Declarations Page or b) 100% of the total amount of coverage You purchased, to reimburse You for the Prepaid Payments or Deposits for unused non-refundable land or water Travel Arrangements plus the Additional Transportation Cost paid:

a) to join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements by the most direct route possible to reach Your Trip destination; or

b) to rejoin Your Trip or transport You to Your originally scheduled return destination, if You must interrupt Your Trip after departure , each by the most direct route possible.

Trip Interruption must be due to:

1. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s or a Child Caregiver’s death, which occurs while You are on Your Trip;

2. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s or a Child Caregiver’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and c) prevents Your continued participation on Your Trip;

3. For the Other Covered reasons listed below;

provided such circumstances occur while coverage is in effect.

“Other Covered Reasons” means:

a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

b Your or Your Traveling Companion’s primary place of residence or destination being rendered uninhabitable and remaining uninhabitable during Your scheduled Trip, by fire, flood, burglary or other Natural Disaster. The Company will only pay benefits for Losses occurring within 30 calendar days after the Natural Disaster makes Your destination accommodations uninhabitable. Your destination is uninhabitable if: (i) the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail, or flood; (iii) immediate safety hazards have yet to be cleared such as debris on roofs or downed electrical lines; or (iv) the rental property is without electricity or water. Benefits are not payable if a storm, snow storm, blizzard or hurricane is named on or before the Effective Date of Your Trip Cancellation coverage;

c. Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire, flood, burglary or other Natural Disaster and You and/or Your Traveling Companion are required to work as a result.

d. a documented theft of passports or visas;

e. a permanent transfer of employment of 250 miles or more;

f. You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;

g. unannounced Strike that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

h. Inclement Weather that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

mechanical breakdown that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

j. a government-mandated shutdown of an airport or air traffic control system due to a Natural Disaster;

k. You or Your Traveling Companion is in the military and called to emergency duty for a national disaster other than war;

l. involuntary employer termination or layoff of You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year.

m. a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip. This same city must not have experienced a Terrorist Incident within the 90 days prior to the Terrorist Incident that is causing Your cancellation of Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary;

n. revocation of Your previously granted military leave or re-assignment due to war. Official written revocation/re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required.

o. Bankruptcy or Default of an airline, or cruise line, tour operator or other travel provider (other than the Travel Supplier, tour operator or travel agency, organization or firm from whom You purchased Your Travel Arrangements supplied by others) causing a complete cessation of travel services more than 10 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if the Policy has been purchased within 20 days of the date Your initial deposit/ payment for Your Trip is received;

Your family or friends living abroad with whom You are planning to stay are unable to provide accommodations due to life threatening illness, life threatening injury or death of one of them;

q. You, Your Traveling Companion or a Family Member traveling with You is required to work during the Trip. A written statement by an unrelated company official and/or the human resources department demonstrating revocation of previously approved time off will be required.

r. Up to 7 days mandatory evacuation ordered by local government authorities at Your Trip destination (or official public evacuation notices or recommendations without a mandatory evacuation order issued) due to adverse weather or Natural Disaster;

s. You, Your Traveling Companion or Family Member traveling with You is directly involved in the merger of Your employer or the acquisition of Your employer by another company.

t. a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 14 days following Your Effective Date of coverage for the Trip Cancellation Benefits;

u. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.

Single Supplement:

Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for Prepaid Travel Arrangements if a Traveling Companion’s or Family Member’s Trip is interrupted for a Covered reason and You do not interrupt Your Trip.

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

35 iTravelInsured
Travel SE
100% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION

Benefits will be paid, up to the Maximum Benefit Amount shown in the Declarations Page or b) 100% of the total amount of coverage You purchased, to reimburse You for the Prepaid Payments or Deposits for unused non-refundable land or water Travel Arrangements plus the Additional Transportation Cost paid:

a. to join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements by the most direct route possible to reach Your Trip destination; or

to rejoin Your Trip or transport You to Your originally scheduled return destination, if You must interrupt Your Trip after departure , each by the most direct route possible.

Trip Interruption must be due to:

1. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s or a Child Caregiver’s death, which occurs while You are on Your Trip;

2. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s or a Child Caregiver’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and c) prevents Your continued participation on Your Trip;

“Other Covered Reasons” means:

a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

Your or Your Traveling Companion’s primary place of residence or destination being rendered uninhabitable and remaining uninhabitable during Your scheduled Trip, by fire, flood, burglary or other Natural Disaster. The Company will only pay benefits for Losses occurring within 30 calendar days after the Natural Disaster makes Your destination accommodations uninhabitable. Your destination is uninhabitable if: (i) the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail, or flood; (iii) immediate safety hazards have yet to be cleared such as debris on roofs or downed electrical lines; or (iv) the rental property is without electricity or water. Benefits are not payable if a storm, snow storm, blizzard or hurricane is named on or before the Effective Date of Your Trip Cancellation coverage;

c. Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire, flood, burglary or other Natural Disaster and You and/or Your Traveling Companion are required to work as a result.

d. a documented theft of passports or visas;

e. a permanent transfer of employment of 250 miles or more;

f. You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;

g. unannounced Strike that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

h. Inclement Weather that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

mechanical breakdown that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

j. a government-mandated shutdown of an airport or air traffic control system due to a Natural Disaster;

k. You or Your Traveling Companion is in the military and called to emergency duty for a national disaster other than war;

l. involuntary employer termination or layoff of You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year.

m. a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip. This same city must not have experienced a Terrorist Incident within the 90 days prior to the Terrorist Incident that is causing Your cancellation of Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary;

n. revocation of Your previously granted military leave or re-assignment due to war. Official written revocation/re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required.

o. Bankruptcy or Default of an airline, or cruise line, tour operator or other travel provider (other than the Travel Supplier, tour operator or travel agency, organization or firm from whom You purchased Your Travel Arrangements supplied by others) causing a complete cessation of travel services more than 10 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if the Policy has been purchased within 20 days of the date Your initial deposit/ payment for Your Trip is received;

Your family or friends living abroad with whom You are planning to stay are unable to provide accommodations due to life threatening illness, life threatening injury or death of one of them;

q. You, Your Traveling Companion or a Family Member traveling with You is required to work during the Trip. A written statement by an unrelated company official and/or the human resources department demonstrating revocation of previously approved time off will be required.

r. Up to 7 days mandatory evacuation ordered by local government authorities at Your Trip destination (or official public evacuation notices or recommendations without a mandatory evacuation order issued) due to adverse weather or Natural Disaster;

s. You, Your Traveling Companion or Family Member traveling with You is directly involved in the merger of Your employer or the acquisition of Your employer by another company.

t. a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 14 days following Your Effective Date of coverage for the Trip Cancellation Benefits;

u. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.

36 iTravelInsured
Travel LX
150% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION

Benefits will be paid, up to the Maximum Benefit Amount shown in the Declarations Page or b) 150% of the total amount of coverage You purchased, to reimburse You for the Prepaid Payments or Deposits for unused non-refundable land or water Travel Arrangements plus the Additional Transportation Cost paid:

a. to join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements by the most direct route possible to reach Your Trip destination; or

to rejoin Your Trip or transport You to Your originally scheduled return destination, if You must interrupt Your Trip after departure , each by the most direct route possible.

Trip Interruption must be due to:

1. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s or a Child Caregiver’s death, which occurs while You are on Your Trip;

2. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s or a Child Caregiver’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and c) prevents Your continued participation on Your Trip;

3. For the Other Covered reasons listed below;

provided such circumstances occur while coverage is in effect.

“Other Covered reasons” means:

a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

Your or Your Traveling Companion’s primary place of residence or destination being rendered uninhabitable and remaining uninhabitable during Your scheduled Trip, by fire, flood, burglary or other Natural Disaster. The Company will only pay benefits for Losses occurring within 30 calendar days after the Natural Disaster makes Your destination accommodations uninhabitable. Your destination is uninhabitable if: (i) the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail, or flood; (iii) immediate safety hazards have yet to be cleared such as debris on roofs or downed electrical lines; or (iv) the rental property is without electricity or water. Benefits are not payable if a storm, snow storm, blizzard or hurricane is named on or before the Effective Date of Your Trip Cancellation coverage;

c. Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire, flood, burglary or other Natural Disaster and You and/or Your Traveling Companion are required to work as a result.

d. a documented theft of passports or visas;

e. a permanent transfer of employment of 250 miles or more;

f. You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;

g. unannounced Strike that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

h. Inclement Weather that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

mechanical breakdown that causes complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You are scheduled to travel;

j. a government-mandated shutdown of an airport or air traffic control system due to a Natural Disaster;

k. You or Your Traveling Companion is in the military and called to emergency duty for a national disaster other than war;

l. involuntary employer termination or layoff of You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year.

m. a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip. This same city must not have experienced a Terrorist Incident within the 90 days prior to the Terrorist Incident that is causing Your cancellation of Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary;

n. revocation of Your previously granted military leave or re-assignment due to war. Official written revocation/re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required.

o. Bankruptcy or Default of an airline, or cruise line, tour operator or other travel provider (other than the Travel Supplier, tour operator or travel agency, organization or firm from whom You purchased Your Travel Arrangements supplied by others) causing a complete cessation of travel services more than 10 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if the Policy has been purchased within 20 days of the date Your initial deposit/ payment for Your Trip is received;

Your family or friends living abroad with whom You are planning to stay are unable to provide accommodations due to life threatening illness, life threatening injury or death of one of them;

q. You, Your Traveling Companion or a Family Member traveling with You is required to work during the Trip. A written statement by an unrelated company official and/or the human resources department demonstrating revocation of previously approved time off will be required.

r. Up to 7 days mandatory evacuation ordered by local government authorities at Your Trip destination (or official public evacuation notices or recommendations without a mandatory evacuation order issued) due to adverse weather or Natural Disaster;

s. You, Your Traveling Companion or Family Member traveling with You is directly involved in the merger of Your employer or the acquisition of Your employer by another company.

t. a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 14 days following Your Effective Date of coverage for the Trip Cancellation Benefits;

u. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit

Additional Trip Interruption Benefits:

If Your Traveling Companion must remain hospitalized, benefits will also be paid for reasonable accommodation, telephone call and local transportation expenses incurred by You to remain with Your Traveling Companion up to $200 per day, limited to 5 days a maximum of $1,000.

The maximum payable under this Trip Interruption Benefit is the lesser of 150% of the total amount of coverage You purchased or 150% of the Maximum Benefit Amount shown in the Declarations Page.

37 John Hancock Insurance Agency, Inc.
Bronze
100% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from continuing or resuming Your Covered Trip due to any of the Unforeseen events listed below.

We will pay You for the following:

a) The unused, non-refundable travel arrangements prepaid to the Travel Supplier(s).

b) Additional Transportation expenses incurred by You.

c) Return air travel up to the lesser of the cost of an economy flight or the amount shown in the Schedule of Benefits.

d) Up to the maximum shown in the Schedule of Benefits for the airfare paid, less the value of applied credit
from an unused return travel ticket to reach the original destination if You are delayed and leave after the Scheduled Departure Date, or return You to the return destination of the Covered Trip as specified in the original travel documents, from the point where You interrupted the Covered Trip, or rejoin the Covered Trip from the point where You interrupted the Covered Trip.

e) If You used frequent traveler awards (frequent flyer miles or Hotel rewards) for any part of a Covered Trip, We will pay the fees incurred by You for re-depositing those awards in Your account if the Covered Trip is interrupted for any of the reasons described below.

In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) The death or hospitalization of Your Host at Destination.

c) Inclement weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 24 consecutive hours.

d) Adverse weather or Natural Disasters resulting in the complete cessation of travel services.

e) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable.

f) Strike that causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours.

g) Your transfer by the employer with whom You are employed on the Effective Date of insurance which requires Your principal residence to be relocated.

h) You or Your Traveling Companion are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 3 consecutive years.

i) Your business operations are interrupted by fire, flood, burglary, vandalism, product recall, Bankruptcy, Natural Disaster, or financial Default.

j) If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within a 100 mile radius of the territorial City limits of the City to be visited as shown in Your itinerary and the United States government issues a travel advisory indicating that Americans should not travel to a City named on the itinerary.

k) Bankruptcy and/or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Your Scheduled Departure Date must be no more than 12 months beyond Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate Transportation is available. If alternate Transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy
was purchased within 14 calendar days of the initial Trip payment.

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

m) You and/or Your Traveling Companion are hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You are or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer.

n) You and/or Your Traveling Companion are the victim of felonious assault; have Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.

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

p) You or Your Traveling Companion who are military personnel, are called to emergency duty for a disaster other than war or are called to active military duty, have their leave revoked or are reassigned for reasons other than War.

q) A cancellation of Your Covered Trip if Your arrival on the Covered Trip is delayed and causes You to lose 51% or more of the scheduled Covered Trip duration due to the reasons covered under the Trip Delay benefit.

38 John Hancock Insurance Agency, Inc.
Silver
150% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from continuing or resuming Your Covered Trip due to any of the Unforeseen events listed below.

We will pay You for the following:

a) The unused, non-refundable travel arrangements prepaid to the Travel Supplier(s).

b) Additional Transportation expenses incurred by You.

c) Return air travel up to the lesser of the cost of an economy flight or the amount shown in the Schedule of Benefits.

d) Up to the maximum shown in the Schedule of Benefits for the airfare paid, less the value of applied credit from an unused return travel ticket to reach the original destination if You are delayed and leave after the Scheduled Departure Date, or return You to the return destination of the Covered Trip as specified in the original travel documents, from the point where You interrupted the Covered Trip, or rejoin the Covered Trip from the point where You interrupted the Covered Trip.

e) If You used frequent traveler awards (frequent flyer miles or Hotel rewards) for any part of a Covered Trip, We will pay the fees incurred by You for re-depositing those awards in Your account if the Covered Trip is interrupted for any of the reasons described below.

In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

(a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

(b) The death or hospitalization of Your Host at Destination.

c) Inclement weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 24 consecutive hours.

(d) Adverse weather or Natural Disasters resulting in the complete cessation of travel services.

(e) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable.

(f) Strike that causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours.

(g) Your transfer by the employer with whom You are employed on the Effective Date of insurance which requires Your principal residence to be relocated.

(h) You or Your Traveling Companion are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 3 consecutive years.

(i) Your business operations are interrupted by fire, flood, burglary, vandalism, product recall, Bankruptcy, Natural Disaster, or financial Default.

(j) If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within a 100 mile radius of the territorial City limits of the City to be visited as shown in Your itinerary and the United States government issues a travel advisory indicating that Americans should not travel to a City named on the itinerary.

(k) Bankruptcy and/or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Your Scheduled Departure Date must be no more than 12 months beyond Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate Transportation is available. If alternate Transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy
was purchased within 14 calendar days of the initial Trip payment.

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

(m) You and/or Your Traveling Companion are hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You are or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer.

(n) You and/or Your Traveling Companion are the victim of felonious assault; have Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.

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

(p) You or Your Traveling Companion who are military personnel, are called to emergency duty for a disaster other than war or are called to active military duty, have their leave revoked or are reassigned for reasons other than War.

(q) A cancellation of Your Covered Trip if Your arrival on the Covered Trip is delayed and causes You to lose 51% or more of the scheduled Covered Trip duration due to the reasons covered under the Trip Delay benefit.

39 John Hancock Insurance Agency, Inc.
Gold
150% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from continuing or resuming Your Covered Trip due to any of the Unforeseen events listed below.

We will pay You for the following:

a) The unused, non-refundable travel arrangements prepaid to the Travel Supplier(s).

b) Additional Transportation expenses incurred by You.

c) Return air travel up to the lesser of the cost of an economy flight or the amount shown in the Schedule of Benefits.

d) Up to the maximum shown in the Schedule of Benefits for the airfare paid, less the value of applied credit from an unused return travel ticket to reach the original destination if You are delayed and leave after the Scheduled Departure Date, or return You to the return destination of the Covered Trip as specified in the original travel documents, from the point where You interrupted the Covered Trip, or rejoin the Covered Trip from the point where You interrupted the Covered Trip.

e) If You used frequent traveler awards (frequent flyer miles or Hotel rewards) for any part of a Covered Trip, We will pay the fees incurred by You for re-depositing those awards in Your account if the Covered Trip is interrupted for any of the reasons described below. In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

(a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

(b) The death or hospitalization of Your Host at Destination.

c) Inclement weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 24 consecutive hours.

(d) Adverse weather or Natural Disasters resulting in the complete cessation of travel services.

(e) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable.

(f) Strike that causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours.

(g) Your transfer by the employer with whom You are employed on the Effective Date of insurance which requires Your principal residence to be relocated.

(h) You or Your Traveling Companion are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 3 consecutive years.

(i) Your business operations are interrupted by fire, flood, burglary, vandalism, product recall, Bankruptcy, Natural Disaster, or financial Default.

(j) If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within a 100 mile radius of the territorial City limits of the City to be visited as shown in Your itinerary and the United States government issues a travel advisory indicating that Americans should not travel to a City named on the itinerary.

(k) Bankruptcy and/or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Your Scheduled Departure Date must be no more than 12 months beyond Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate Transportation is available. If alternate Transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy
was purchased within 14 calendar days of the initial Trip payment.

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

(m) You and/or Your Traveling Companion are hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You are or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer.

(n) You and/or Your Traveling Companion are the victim of felonious assault; have Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.

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

(p) You or Your Traveling Companion who are military personnel, are called to emergency duty for a disaster other than war or are called to active military duty, have their leave revoked or are reassigned for reasons other than War.

(q) A cancellation of Your Covered Trip if Your arrival on the Covered Trip is delayed and causes You to lose 51% or more of the scheduled Covered Trip duration due to the reasons covered under the Trip Delay benefit.

40 MedjetAssist
Annual Membership
No coverage Quote

Full Policy Wording

There is no Trip Interruption coverage with this plan.

41 MedjetAssist
MedjetAssist Extended Stay
No coverage Quote

Full Policy Wording

There is no Trip Interruption coverage with this plan.

42 MedjetAssist
MedjetAssist Short Term Plan
No coverage Quote

Full Policy Wording

There is no Trip Interruption coverage with this plan.

43 MH Ross Travel Insurance Services
Asset Plus
125% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION AND DELAYED ARRIVAL

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, prepaid non-refundable Payments or Deposits for Your land or water Travel Arrangements, plus the Additional Transportation Cost paid to:

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

b) rejoin Your Trip from the point where You interrupted Your Trip or transport You to Your originally scheduled return destination;

for a covered Unforeseen reason.

Trip Interruption must be due to one of the following Unforeseen reasons:

1. Your, a Family Member’s, a Traveling Companion’s, a Business Partner’s or a Traveling Companion’s Family Member’s death, that occurs before departure on Your Trip;

2. Your, a Family Member’s, a Traveling Companion’s, a Business Partner’s or a Traveling Companion’s Family Member’s covered Sickness or Injury, that: a) occurs before departure on Your Trip; b) requires Medical Treatment at the time of cancellation; and c) as certified by a Physician, results in medical restrictions so disabling as to cause Your Trip to be cancelled; or

3. for Other Covered Events, as defined;

provided any such covered Unforeseen reason occur while coverage is in effect for You.

“Other Covered Events” means:

a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

b) You or Your Traveling Companion is the victim of a felonious assault within 10 days of the Scheduled Departure Date of Your Trip;

c. Your or Your Traveling Companion’s primary place of residence or destination is made Uninhabitable and remains Uninhabitable during Your scheduled Trip, by fire, flood, or other Natural Disaster, vandalism or burglary of Your principle place of residence within 10 days of departure;

d. Your or Your Traveling Companion’s place of employment is rendered unsuitable for business or company operations or is interrupted due to burglary, vandalism or a Natural Disaster and You or Your Traveling Companion are required to work as a result;

e. a documented theft of Your passports or visas;

f. Your or Your Traveling Companion’s transfer of employment of 250 miles or more that occurs within 10 days of the Scheduled Departure Date of Your Trip by the employer with whom You or Your Traveling Companion are employed on Your Effective Date which requires Your or Your Traveling Companion’s principal residence to be relocated;

g. You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;

h. Strike that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

i) Inclement Weather that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

j. mechanical breakdown of the aircraft on which You are scheduled to travel that causes a cancellation or delay of Your flight for at least 12 consecutive hours provided no alternative flights are available;

k. a government-mandated shutdown of an airport or air traffic control system due to a Natural Disaster or a Terrorist Incident;

l. You or Your Traveling Companion who are military, police or fire personnel being called into emergency service to provide aid or relief for a Natural Disaster or a Terrorist Incident;

m. Your or Your Traveling Companion’s involuntary employment termination or layoff. Employment must have been with the same employer for at least 1 continuous year;

n. a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip;

o. revocation of Your or Your Traveling Companion’s previously granted military leave or re-assignment, including war. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;

p) Bankruptcy or Default of an airline, cruise line, tour operator or other travel, camp or program provider (other than an organization or firm from whom You purchased Travel Arrangements supplied by others) causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination;

q. the death or hospitalization of Your Host at Destination;

r. You or Your Traveling Companion, neither of whom is a company owner or partner, are required to work during the scheduled Trip, as attested in writing by an unrelated company official and/or the company’s Human Resources Department;

s. Your or Your Traveling Companion’s company is directly involved in either a merger with another company or is being acquired by another company. You or Your Traveling Companion must be an active, full-time employee and cannot be a company owner or partner and You or Your Traveling Companion must be directly involved in such merger or acquisition;

t. a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip departure or destination city is under a hurricane warning issued by the NOAA National Hurricane Center provided the cancellation occurs more than 14 days following Your Effective Date of coverage for Trip Cancellation;

u. mandatory evacuation ordered by local government authorities at Your Trip destination due to a Natural Disaster or a hurricane named after the Effective Date of Your coverage. You must have 50% or less of Your Trip length remaining at the time the mandatory evacuation ends in order to cancel or interrupt Your Trip and for this benefit to be payable;

v. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Travel Delay Benefit;

w. the primary or secondary school that Your Dependent child(ren) attends continues classes beyond the predefined school year, due to Unforeseen circumstances that: 1) occur after Your Effective Date for Trip Cancellation; and 2) cause the classes to extend beyond the Scheduled Departure Date of Your Trip. Extensions due to extra- curricular or athletic events are not covered;

x. Your pregnancy, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records;

y. You are attending the childbirth of Your Family Member, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records.

44 MH Ross Travel Insurance Services
Bridge
150% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION AND DELAYED ARRIVAL

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, prepaid non-refundable Payments or Deposits for Your land or water Travel Arrangements, plus the Additional Transportation Cost paid to:

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

b) rejoin Your Trip from the point where You interrupted Your Trip or transport You to Your originally scheduled return destination; for a covered Unforeseen reason.

Trip Interruption must be due to one of the following Unforeseen reasons:

1. Your, a Family Member’s, a Traveling Companion’s, a Business Partner’s or a Traveling Companion’s Family Member’s death, which occurs while You are on Your Trip;

2. Your, a Family Member’s, a Traveling Companion’s, a Business Partner’s or a Traveling Companion’s Family Member’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption; and c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on the Trip ;or

3. for Other Covered Events as defined;

“Other Covered Events” means:

a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

b) You or Your Traveling Companion is the victim of a felonious assault within 10 days of the Scheduled Departure Date of Your Trip;

c. Your or Your Traveling Companion’s primary place of residence or destination is made Uninhabitable and remains Uninhabitable during Your scheduled Trip, by fire, flood, or other Natural Disaster, vandalism or burglary of Your principle place of residence within 10 days of departure;

d. Your or Your Traveling Companion’s place of employment is rendered unsuitable for business or company operations or is interrupted due to burglary, vandalism or a Natural Disaster and You or Your Traveling Companion are required to work as a result;

e. a documented theft of Your passports or visas;

f. Your or Your Traveling Companion’s transfer of employment of 250 miles or more that occurs within 10 days of the Scheduled Departure Date of Your Trip by the employer with whom You or Your Traveling Companion are employed on Your Effective Date which requires Your or Your Traveling Companion’s principal residence to be relocated;

g. You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;

h. Strike that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

Inclement Weather that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

j. mechanical breakdown of the aircraft on which You are scheduled to travel that causes a cancellation or delay of Your flight for at least 12 consecutive hours provided no alternative flights are available;

k. a government-mandated shutdown of an airport or air traffic control system due to a Natural Disaster or a Terrorist Incident;

l. You or Your Traveling Companion who are military, police or fire personnel being called into emergency service to provide aid or relief for a Natural Disaster or a Terrorist Incident;

m. Your or Your Traveling Companion’s involuntary employment termination or layoff. Employment must have been with the same employer for at least 1 continuous year;

n. a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip;

o. revocation of Your or Your Traveling Companion’s previously granted military leave or re-assignment, including war. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;

Bankruptcy or Default of an airline, cruise line, tour operator or other travel, camp or program provider (other than an organization or firm from whom You purchased Travel Arrangements supplied by others) causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination;

q. the death or hospitalization of Your Host at Destination;

r. You or Your Traveling Companion, neither of whom is a company owner or partner, are required to work during the scheduled Trip, as attested in writing by an unrelated company official and/or the company’s Human Resources Department;

s. Your or Your Traveling Companion’s company is directly involved in either a merger with another company or is being acquired by another company. You or Your Traveling Companion must be an active, full-time employee and cannot be a company owner or partner and You or Your Traveling Companion must be directly involved in such merger or acquisition;

t. a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip departure or destination city is under a hurricane warning issued by the NOAA National Hurricane Center provided the cancellation occurs more than 14 days following Your Effective Date of coverage for Trip Cancellation;

u. mandatory evacuation ordered by local government authorities at Your Trip destination due to a Natural Disaster or a hurricane named after the Effective Date of Your coverage. You must have 50% or less of Your Trip length remaining at the time the mandatory evacuation ends in order to cancel or interrupt Your Trip and for this benefit to be payable;

v. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Travel Delay Benefit;

w. the primary or secondary school that Your Dependent child(ren) attends continues classes beyond the predefined school year, due to Unforeseen circumstances that: 1) occur after Your Effective Date for Trip Cancellation; and 2) cause the classes to extend beyond the Scheduled Departure Date of Your Trip. Extensions due to extra- curricular or athletic events are not covered;

x. Your pregnancy, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records;

y. You are attending the childbirth of Your Family Member, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records.

Delayed Arrival must be due to one of the following Unforeseen reasons which occurs within 5 days of Your Scheduled Departure Date:

1. Your, a Family Member’s, a Traveling Companion’s, a Business Partner’s or a Traveling Companion’s Family Member’s death, which occurs while You are on Your Trip;

2. Your, a Family Member’s, a Traveling Companion’s, a Business Partner’s or a Traveling Companion’s Family Member’s covered Sickness or Injury which: a) requires Medical Treatment at the time of occurrence; and b) as certified by a Physician, results in medical restrictions so disabling as to prevent You from departing on Your Trip on Your Scheduled Departure Date; or

3. for Other Covered Events as defined;

provided any such covered Unforeseen reason occurs while coverage is in effect for You.

Additional Trip Interruption Benefits:

If You interrupt Your Trip for a covered Unforeseen reason, We will also reimburse You, up to $250, for the amount of Your unused prepaid non- refundable payments for shore excursions; theater, concert or event tickets or fees; or sightseeing if such arrangements are made during Your Trip and are to be used prior to the Scheduled Return Date of Your Trip.

45 MH Ross Travel Insurance Services
Complete
200% of the trip cost Quote

Full Policy Wording

Trip Interruption must be due to one of the following Unforeseen reasons:

1. Your, a Family Member’s, a Traveling Companion’s, a Business Partner’s or a Traveling Companion’s Family Member’s death, which occurs while You are on Your Trip;

2. Your, a Family Member’s, a Traveling Companion’s, a Business Partner’s or a Traveling Companion’s Family Member’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption; and c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on the Trip ;or

3. for Other Covered Events as defined;

“Other Covered Events” means:

a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

b) You or Your Traveling Companion is the victim of a felonious assault within 10 days of the Scheduled Departure Date of Your Trip;

c. Your or Your Traveling Companion’s primary place of residence or destination is made Uninhabitable and remains Uninhabitable during Your scheduled Trip, by fire, flood, or other Natural Disaster, vandalism or burglary of Your principle place of residence within 10 days of departure;

d. Your or Your Traveling Companion’s place of employment is rendered unsuitable for business or company operations or is interrupted due to burglary, vandalism or a Natural Disaster and You or Your Traveling Companion are required to work as a result;

e. a documented theft of Your passports or visas;

f. Your or Your Traveling Companion’s transfer of employment of 250 miles or more that occurs within 10 days of the Scheduled Departure Date of Your Trip by the employer with whom You or Your Traveling Companion are employed on Your Effective Date which requires Your or Your Traveling Companion’s principal residence to be relocated;

g. You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;

h. Strike that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

i) Inclement Weather that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

j. mechanical breakdown of the aircraft on which You are scheduled to travel that causes a cancellation or delay of Your flight for at least 12 consecutive hours provided no alternative flights are available;

k. a government-mandated shutdown of an airport or air traffic control system due to a Natural Disaster or a Terrorist Incident;

l. You or Your Traveling Companion who are military, police or fire personnel being called into emergency service to provide aid or relief for a Natural Disaster or a Terrorist Incident;

m. Your or Your Traveling Companion’s involuntary employment termination or layoff. Employment must have been with the same employer for at least 1 continuous year;

n. a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip;

o. revocation of Your or Your Traveling Companion’s previously granted military leave or re-assignment, including war. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;

p) Bankruptcy or Default of an airline, cruise line, tour operator or other travel, camp or program provider (other than an organization or firm from whom You purchased Travel Arrangements supplied by others) causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination;

q. the death or hospitalization of Your Host at Destination;

r. You or Your Traveling Companion, neither of whom is a company owner or partner, are required to work during the scheduled Trip, as attested in writing by an unrelated company official and/or the company’s Human Resources Department;

s. Your or Your Traveling Companion’s company is directly involved in either a merger with another company or is being acquired by another company. You or Your Traveling Companion must be an active, full-time employee and cannot be a company owner or partner and You or Your Traveling Companion must be directly involved in such merger or acquisition;

t. a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip departure or destination city is under a hurricane warning issued by the NOAA National Hurricane Center provided the cancellation occurs more than 14 days following Your Effective Date of coverage for Trip Cancellation;

u. mandatory evacuation ordered by local government authorities at Your Trip destination due to a Natural Disaster or a hurricane named after the Effective Date of Your coverage. You must have 50% or less of Your Trip length remaining at the time the mandatory evacuation ends in order to cancel or interrupt Your Trip and for this benefit to be payable;

v. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Travel Delay Benefit;

w. the primary or secondary school that Your Dependent child(ren) attends continues classes beyond the predefined school year, due to Unforeseen circumstances that: 1) occur after Your Effective Date for Trip Cancellation; and 2) cause the classes to extend beyond the Scheduled Departure Date of Your Trip. Extensions due to extra- curricular or athletic events are not covered;

x. Your pregnancy, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records;

y. You are attending the childbirth of Your Family Member, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records.

TRIP INTERRUPTION AND DELAYED ARRIVAL

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, prepaid non-refundable Payments or Deposits for Your land or water Travel Arrangements, plus the Additional Transportation Cost paid to:

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

b) rejoin Your Trip from the point where You interrupted Your Trip or transport You to Your originally scheduled return destination;

for a covered Unforeseen reason.

Delayed Arrival must be due to one of the following Unforeseen reasons which occurs within 5 days of Your Scheduled Departure Date:

1. Your, a Family Member’s, a Traveling Companion’s, a Business Partner’s or a Traveling Companion’s Family Member’s death, which occurs while You are on Your Trip;

2. Your, a Family Member’s, a Traveling Companion’s, a Business Partner’s or a Traveling Companion’s Family Member’s covered Sickness or Injury which: a) requires Medical Treatment at the time of occurrence; and b) as certified by a Physician, results in medical restrictions so disabling as to prevent You from departing on Your Trip on Your Scheduled Departure Date; or

3. for Other Covered Events as defined;

provided any such covered Unforeseen reason occurs while coverage is in effect for You.

Additional Trip Interruption Benefits:

If You interrupt Your Trip for a covered Unforeseen reason, We will also reimburse You, up to $250, for the amount of Your unused prepaid non- refundable payments for shore excursions; theater, concert or event tickets or fees; or sightseeing if such arrangements are made during Your Trip and are to be used prior to the Scheduled Return Date of Your Trip.

In no event shall the amount reimbursed for Trip Interruption exceed 200% of the amount You prepaid for Your Trip.

46 MH Ross Travel Insurance Services
Asset
125% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION AND DELAYED ARRIVAL

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, prepaid non-refundable Payments or Deposits for Your land or water Travel Arrangements, plus the Additional Transportation Cost paid to:

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

b) rejoin Your Trip from the point where You interrupted Your Trip or transport You to Your originally scheduled return destination;

for a covered Unforeseen reason.

Trip Interruption must be due to one of the following Unforeseen reasons:

1. Your, a Family Member’s, a Traveling Companion’s, a Business Partner’s or a Traveling Companion’s Family Member’s death, which occurs while You are on Your Trip;

2. Your, a Family Member’s, a Traveling Companion’s, a Business Partner’s or a Traveling Companion’s Family Member’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption; and c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on the Trip ;or

3. for Other Covered Events as defined;

provided any such covered Unforeseen reason occurs while coverage is in effect for You.

“Other Covered Events” means:

a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

b) You or Your Traveling Companion is the victim of a felonious assault within 10 days of the Scheduled Departure Date of Your Trip;

c. Your or Your Traveling Companion’s primary place of residence or destination is made Uninhabitable and remains Uninhabitable during Your scheduled Trip, by fire, flood, or other Natural Disaster, vandalism or burglary of Your principle place of residence within 10 days of departure;

d. Your or Your Traveling Companion’s place of employment is rendered unsuitable for business or company operations or is interrupted due to burglary, vandalism or a Natural Disaster and You or Your Traveling Companion are required to work as a result;

e. a documented theft of Your passports or visas;

f. Your or Your Traveling Companion’s transfer of employment of 250 miles or more that occurs within 10 days of the Scheduled Departure Date of Your Trip by the employer with whom You or Your Traveling Companion are employed on Your Effective Date which requires Your or Your Traveling Companion’s principal residence to be relocated;

g. You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;

h. Strike that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

i) Inclement Weather that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;

j. mechanical breakdown of the aircraft on which You are scheduled to travel that causes a cancellation or delay of Your flight for at least 12 consecutive hours provided no alternative flights are available;

k. a government-mandated shutdown of an airport or air traffic control system due to a Natural Disaster or a Terrorist Incident;

l. You or Your Traveling Companion who are military, police or fire personnel being called into emergency service to provide aid or relief for a Natural Disaster or a Terrorist Incident;

m. Your or Your Traveling Companion’s involuntary employment termination or layoff. Employment must have been with the same employer for at least 1 continuous year;

n. a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip;

o. revocation of Your or Your Traveling Companion’s previously granted military leave or re-assignment, including war. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;

p) Bankruptcy or Default of an airline, cruise line, tour operator or other travel, camp or program provider (other than an organization or firm from whom You purchased Travel Arrangements supplied by others) causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination;

q. the death or hospitalization of Your Host at Destination;

r. You or Your Traveling Companion, neither of whom is a company owner or partner, are required to work during the scheduled Trip, as attested in writing by an unrelated company official and/or the company’s Human Resources Department;

s. Your or Your Traveling Companion’s company is directly involved in either a merger with another company or is being acquired by another company. You or Your Traveling Companion must be an active, full-time employee and cannot be a company owner or partner and You or Your Traveling Companion must be directly involved in such merger or acquisition;

t. a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip departure or destination city is under a hurricane warning issued by the NOAA National Hurricane Center provided the cancellation occurs more than 14 days following Your Effective Date of coverage for Trip Cancellation;

u. mandatory evacuation ordered by local government authorities at Your Trip destination due to a Natural Disaster or a hurricane named after the Effective Date of Your coverage. You must have 50% or less of Your Trip length remaining at the time the mandatory evacuation ends in order to cancel or interrupt Your Trip and for this benefit to be payable;

v. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Travel Delay Benefit;

w. the primary or secondary school that Your Dependent child(ren) attends continues classes beyond the predefined school year, due to Unforeseen circumstances that: 1) occur after Your Effective Date for Trip Cancellation; and 2) cause the classes to extend beyond the Scheduled Departure Date of Your Trip. Extensions due to extra- curricular or athletic events are not covered;

x. Your pregnancy, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records;

y. You are attending the childbirth of Your Family Member, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records.

Delayed Arrival must be due to one of the following Unforeseen reasons which occurs within 5 days of Your Scheduled Departure Date:

1. Your, a Family Member’s, a Traveling Companion’s, a Business Partner’s or a Traveling Companion’s Family Member’s death, which occurs while You are on Your Trip;

2. Your, a Family Member’s, a Traveling Companion’s, a Business Partner’s or a Traveling Companion’s Family Member’s covered Sickness or Injury which: a) requires Medical Treatment at the time of occurrence; and b) as certified by a Physician, results in medical restrictions so disabling as to prevent You from departing on Your Trip on Your Scheduled Departure Date; or

3. for Other Covered Events as defined;

provided any such covered Unforeseen reason occurs while coverage is in effect for You.

Additional Trip Interruption Benefits:

If You interrupt Your Trip for a covered Unforeseen reason, We will also reimburse You, up to $250, for the amount of Your unused prepaid non- refundable payments for shore excursions; theater, concert or event tickets or fees; or sightseeing if such arrangements are made during Your Trip and are to be used prior to the Scheduled Return Date of Your Trip.

In no event shall the amount reimbursed for Trip Interruption exceed 125% of the amount You prepaid for Your Trip.

47 Protect Your Bubble
Basic Plan
100% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, prepaid non- refundable Payments or Deposits for Your land or water Travel Arrangements, plus the Additional Transportation Cost paid to

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

b) rejoin Your Trip from the point where You interrupted Your Trip or transport You to Your originally scheduled return; for a covered Unforeseen reason.

Trip Interruption must be due to one of the following Unforeseen reasons:

1. Your, a Family Member’s, a Traveling Companion’s or a Business Partner’s death, which occurs while You are on Your Trip; or

2. Your, a Family Member’s, or a Traveling Companion’s or a Business Partner’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption; and c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on the Trip ;or

3. for Other Covered Events as defined;

provided any such covered Unforeseen reason occurs while coverage is in effect for You.

“Other Covered Events” means:

a) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

b) You or Your Traveling Companion is the victim of a felonious assault within 10 days of the Scheduled Departure Date of Your Trip;

c) Your or Your Traveling Companion’s primary place of residence is made Uninhabitable and remains Uninhabitable during Your scheduled Trip, by fire, flood, or other Natural Disaster, vandalism, or burglary of Your principle place of residence within 10 days of departure;

d) a documented theft of Your or Your Traveling Companion’s passports or visas;

e) You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;

f) Strike that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

g) Inclement Weather that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

h) You or Your Traveling Companion who are military, police or fire personnel being called into emergency service to provide aid or relief for a Natural Disaster;

i) a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your or Your Traveling Companion’s Trip;

j) revocation of Your or Your Traveling Companion’s previously granted military leave or re-assignment, including war. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;

k) the death or hospitalization of Your Host at Destination;

l) You or Your Traveling Companion’s final scheduled destination accommodations are made Uninhabitable by a hurricane named after Your Effective Date for Trip Cancellation for the greater of: 1) 4 days; or 2) 50% of Your scheduled Trip length. We will only pay benefits for a Trip Cancellation occurring within 30 days after the named hurricane makes Your destination accommodations Uninhabitable,

m) a road closure causing a delay in reaching Your scheduled Trip destination for at least 12 hours.

In no event shall the amount reimbursed for Trip Cancellation and Trip Interruption exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

OCCUPANCY UPGRADE

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for Trip Cancellation, for the additional cost You incur as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is canceled for a covered Unforeseen reason and You do not cancel Your Trip.

48 Protect Your Bubble
Deluxe Plan
100% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, prepaid non- refundable Payments or Deposits for Your land or water Travel Arrangements, plus the Additional Transportation Cost paid to

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

b) rejoin Your Trip from the point where You interrupted Your Trip or transport You to Your originally scheduled return destination;

for a covered Unforeseen reason.

Trip Interruption must be due to one of the following Unforeseen reasons:

1. Your, a Family Member’s, a Traveling Companion’s or a Business Partner’s death, which occurs while You are on Your Trip; or

2. Your, a Family Member’s, or a Traveling Companion’s or a Business Partner’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption; and c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on the Trip ;or

3. for Other Covered Events as defined;

provided any such covered Unforeseen reason occurs while coverage is in effect for You.

“Other Covered Events” means:

a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

You or Your Traveling Companion is the victim of a felonious assault within 10 days of the Scheduled Departure Date of Your Trip;

c. Your or Your Traveling Companion’s primary place of residence is made Uninhabitable and remains Uninhabitable during Your scheduled Trip, by fire, flood, or other Natural Disaster, vandalism, or burglary of Your principle place of residence within 10 days of departure;

d. a documented theft of Your or Your Traveling Companion’s passports or visas;

e. You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;

f. Strike that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

g. Inclement Weather that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

h. You or Your Traveling Companion who are military, police or fire personnel being called into emergency service to provide aid or relief for a Natural Disaster;

a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your or Your Traveling Companion’s Trip;

j. revocation of Your or Your Traveling Companion’s previously granted military leave or re-assignment, including war. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;

k. the death or hospitalization of Your Host at Destination;

l. You or Your Traveling Companion’s final scheduled destination accommodations are made Uninhabitable by a hurricane named after Your Effective Date for Trip Cancellation for the greater of: 1) 4 days; or 2) 50% of Your scheduled Trip length. We will only pay benefits for a Trip Cancellation occurring within 30 days after the named hurricane makes Your destination accommodations Uninhabitable,

m. a road closure causing a delay in reaching Your scheduled Trip destination for at least 12 hours.

In no event shall the amount reimbursed for Trip Cancellation and Trip Interruption exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

OCCUPANCY UPGRADE

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for Trip Cancellation, for the additional cost You incur as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is canceled for a covered Unforeseen reason and You do not cancel Your Trip.

49 RoamRight
Essential
100% of the trip cost Quote

Full Policy Wording

TRIP CANCELLATION

Not applicable if $0 limit displayed on Your Confirmation of Benefits.

The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are prevented from taking Your Trip due to the following Unforeseen events:
a) Sickness, Accidental Injury or death of You, or Your Traveling Companion, or Family Member or Business Partner of You or Your Traveling Companion; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
b) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action provided You or a Traveling Companion are not a party to the legal action or appearing as a law enforcement officer, the victim of felonious assault within 10 days of departure; or having Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.
c) You or Your Traveling Companion are directly involved in a traffic accident substantiated by a police report while en route to departure.
d) The death or hospitalization of Your Host at Destination.
e) If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within the territorial limits of a City listed on Your itinerary. The Terrorist Attack must occur after the Effective Date of Your Trip Cancellation coverage.
f) You or Your Traveling Companion or Family Member who are military personnel, are called to emergency duty for a Natural Disaster or have their leave revoked or are reassigned.
g) Strike that causes complete cessation of services for at least 24 consecutive hours.
h) Weather which causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours.
i) Bankruptcy or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Coverage is not provided for the Bankruptcy or Default of the travel agent or Travel Supplier that solicited Your policy and from whom You purchased Your Land/Sea Arrangements. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. You must purchase Your policy within 21 days of Your initial Trip deposit.
j) You or Your Traveling Companion are terminated, or laid off from employment subject to one year of continuous employment at the place of employment where terminated.
k) Natural Disaster at the site of Your destination which renders Your destination accommodations uninhabitable.
l) Mandatory evacuation ordered by local authorities at Your final destination due to hurricane or other Natural Disaster. You must have 50% of Your total Trip length or less remaining on the Trip, at the time the mandatory evacuation ends, in order to cancel the Trip.
m) You or Your Traveling Companion’s normal pregnancy as long as the pregnancy occurs after Your or Your Traveling Companion’s Effective Date of coverage and can be verified by medical records.
n) You will be attending a Family Member’s childbirth as long as the pregnancy occurs after Your Effective Date of coverage and can be verified by medical records;
o) The primary or secondary school where You, Your Traveling Companion or Your Dependent Children attend(s) must extend its operating session beyond the pre-defined school year, due to Unforeseen events commencing during Your policy effective period, and the travel dates for the Trip fall within the period of the school year extension. Extensions due to extra-curricular or athletic events are not covered.

The Company will reimburse You for the following:
a) Non-refundable cancellation charges imposed by the Travel Suppliers.
b) Airfare cancellation charges for flights commencing within one week of the Land/Sea Arrangements.
c) If Your Travel Supplier cancels Your Trip, You are covered up to the cost of the ticket or the reissue fee charged by the airline for the tickets. You must have covered the entire cost of the Trip including the airfare.

In no event shall the amount reimbursed exceed the lesser of the amount You prepaid for the Trip or the maximum benefit shown on Your Confirmation of Benefits.

Special Conditions: You must advise the Travel Supplier and Arch Insurance Company as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Travel Supplier as soon as reasonably possible.

Single Occupancy Coverage: The Company will reimburse You, up to the maximum shown on Your Confirmation of Benefits, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with You has his/her Trip delayed, canceled, or interrupted for a covered reason and You do not cancel.

TRIP INTERRUPTION

Return Air Only up to $500 if $0 limit displayed on Your Confirmation of Benefits.

The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are unable to continue Your Trip due to the Unforeseen events listed under TRIP CANCELLATION.

The Company will pay for the following:

a) Unused, non-refundable travel arrangements prepaid to the Travel Suppliers.
b) Up to the maximum shown in the accompanying Confirmation of Benefits for the airfare paid, less the value of applied credit from an unused return travel ticket to return You to the return destination of the Trip as specified in the original travel documents from the point where You interrupted the Trip or rejoin the Trip from the point where You interrupted the Trip. (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket).

The Company will pay for reasonable additional meals, lodging, and transportation expenses incurred by You up to $200 a day if Your Traveling Companion must remain hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You cannot fly home due to an Accident or a Sickness but does not require hospitalization or if Your Trip must be extended due to an Unforeseen event listed under TRIP CANCELLATION.

In no event shall the amount reimbursed exceed the lesser of the amount You prepaid for the Trip or the maximum benefit shown on Your Confirmation of Benefits.

50 RoamRight
Essential
100% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION AND DELAYED ARRIVAL

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, prepaid non- refundable Payments or Deposits for Your land or water Travel Arrangements, plus the Additional Transportation Cost paid to:

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

b) rejoin Your Trip from the point where You interrupted Your Trip or transport You to Your originally scheduled return destination; for a covered Unforeseen reason.

Trip Interruption must be due to one of the following Unforeseen reasons:

1. Your, a Family Member’s, a Traveling Companion’s or a Business Partner’s death or a Traveling Companion’s Family Member’s, which occurs while You are on Your Trip; or

2. Your, a Family Member’s, or a Traveling Companion’s or a Business Partner’s or a Traveling Companion’s Family Member’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption; and c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on the Trip; or

3. for Other Covered Events as defined;

provided any such covered Unforeseen reason occurs while coverage is in effect for You.

“Other Covered Events” means:

a) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

b) You or Your Traveling Companion is the victim of a felonious assault within 10 days of the Scheduled Departure Date of Your Trip;

c) Your or Your Traveling Companion’s primary place of residence or destination is made Uninhabitable and remains Uninhabitable during Your scheduled Trip, by fire, flood, or other Natural Disaster, vandalism, or burglary of Your principle place of residence within 10 days of departure;

d) You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;

e) Strike that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

f) Inclement Weather that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

g) You or Your Traveling Companion who are military, police or fire personnel being called into emergency service to provide aid or relief for a Natural Disaster;

h) Your or Your Traveling Companion’s involuntary employment termination or layoff. Employment must have been with the same employer for at least 1 continuous year;

i) a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your or Your Traveling Companion’s Trip;

j) revocation of Your or Your Traveling Companion’s previously granted military leave or re-assignment, including war. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;

k) Bankruptcy or Default causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. Coverage for this Other Covered Event only applies if Your payment for this policy is received within the Time Sensitive Period;

l) the death or hospitalization of Your Host at Destination;

m) mandatory evacuation ordered by local government authorities at Your Trip destination due to a Natural Disaster or a hurricane named after the Effective Date of Your coverage. You must have 50% or less of Your Trip length remaining at the time the mandatory evacuation ends in order to cancel or interrupt Your Trip and for this benefit to be payable;

n) a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Trip Delay Benefit;

o) the primary or secondary school that Your or Your Traveling Companion’s Dependent child(ren) attends continues classes beyond the predefined school year, due to Unforeseen circumstances that: 1) occur after Your Effective Date for Trip Cancellation; and 2) cause the classes to extend beyond the Scheduled Departure Date of Your Trip. Extensions due to extra-curricular or athletic events are not covered;

p) Your or Your Traveling Companion’s pregnancy, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records;

q) You or Your Traveling Companion are attending the childbirth of Your Family Member, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records.

In no event shall the amount reimbursed for Trip Cancellation and Trip Interruption exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

51 RoamRight
Preferred
150% of the trip cost Quote

Full Policy Wording

TRIP CANCELLATION

Not applicable if $0 limit displayed on Your Confirmation of Benefits.

The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are prevented from taking Your Trip due to the following Unforeseen events:
a) Sickness, Accidental Injury or death of You, or Your Traveling Companion, or Family Member or Business Partner of You or Your Traveling Companion; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
b) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action provided You or a Traveling Companion are not a party to the legal action or appearing as a law enforcement officer, the victim of felonious assault within 10 days of departure; or having Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.
c) You or Your Traveling Companion are directly involved in a traffic accident substantiated by a police report while en route to departure.
d) The death or hospitalization of Your Host at Destination. If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within the territorial limits of a City listed on Your itinerary. The Terrorist Attack must occur after the Effective Date of Your Trip Cancellation coverage.
e) If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within the territorial limits of a City listed on Your itinerary. The Terrorist Attack must occur after the Effective Date of Your Trip Cancellation coverage.
f) You or Your Traveling Companion or Family Member who are military personnel, are called to emergency duty for a Natural Disaster or have their leave revoked or are reassigned.
g) Strike that causes complete cessation of services for at least 24 consecutive hours.
h) Weather which causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours.
i) Bankruptcy or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Coverage is not provided for the Bankruptcy or Default of the travel agent or Travel Supplier that solicited Your policy and from whom You purchased Your Land/Sea Arrangements. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. You must purchase Your policy within 21 days of Your initial Trip deposit.
j) You or Your Traveling Companion are terminated, or laid off from employment subject to one year of continuous employment at the place of employment where terminated.
k) Natural Disaster at the site of Your destination which renders Your destination accommodations uninhabitable.
l) Mandatory evacuation ordered by local authorities at Your final destination due to hurricane or other Natural Disaster. You must have 50% of Your total Trip length or less remaining on the Trip, at the time the mandatory evacuation ends, in order to cancel the Trip.
m) You or Your Traveling Companion’s normal pregnancy as long as the pregnancy occurs after Your or Your Traveling Companion’s Effective Date of coverage and can be verified by medical records.
n) You will be attending a Family Member’s childbirth as long as the pregnancy occurs after Your Effective Date of coverage and can be verified by medical records;
o) The primary or secondary school where You, Your Traveling Companion or Your Dependent Children attend(s) must extend its operating session beyond the pre-defined school year, due to Unforeseen events commencing during Your policy effective period, and the travel dates for the Trip fall within the period of the school year extension. Extensions due to extra-curricular or athletic events are not covered.
p) A cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Trip Delay benefit.

The Company will reimburse You for the following:
a) Non-refundable cancellation charges imposed by the Travel Suppliers.
b) Airfare cancellation charges for flights commencing within one week of the Land/Sea Arrangements.
c) If Your Travel Supplier cancels Your Trip, You are covered up to the cost of the ticket or the reissue fee charged by the airline for the tickets. You must have covered the entire cost of the Trip including the airfare.

In no event shall the amount reimbursed exceed the lesser of the amount You prepaid for the Trip or the maximum benefit shown on Your Confirmation of Benefits.

Special Conditions: You must advise the Travel Supplier and Arch Insurance Company as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Travel Supplier as soon as reasonably possible.

Single Occupancy Coverage: The Company will reimburse You, up to the maximum shown on Your Confirmation of Benefits, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with You has his/her Trip delayed, canceled, or interrupted for a covered reason and You do not cancel.

TRIP INTERRUPTION

Return Air Only up to $750 if $0 limit displayed on Your Confirmation of Benefits.

The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are unable to continue Your Trip due to the Unforeseen events listed under TRIP CANCELLATION.

The Company will pay for the following:
a) Unused, non-refundable travel arrangements prepaid to the Travel Suppliers.
b) Up to the maximum shown in the accompanying Confirmation of Benefits for the airfare paid, less the value of applied credit from an unused return travel ticket to return You to the return destination of the Trip as specified in the original travel documents from the point where You interrupted the Trip or rejoin the Trip from the point where You interrupted the Trip. (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket).

The Company will pay for reasonable additional meals, lodging, and transportation expenses incurred by You up to $200 a day if Your Traveling Companion must remain hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You cannot fly home due to an Accident or a Sickness but does not require hospitalization or if Your Trip must be extended due to an Unforeseen event listed under TRIP CANCELLATION.

In no event shall the amount reimbursed exceed the lesser of the amount You prepaid for the Trip or the maximum benefit shown on Your Confirmation of Benefits.

52 RoamRight
Preferred
150% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION AND DELAYED ARRIVAL

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, prepaid non- refundable Payments or Deposits for Your land or water Travel Arrangements, plus the Additional Transportation Cost paid to:

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

b) rejoin Your Trip from the point where You interrupted Your Trip or transport You to Your originally scheduled return destination;

for a covered Unforeseen reason.

Trip Interruption must be due to one of the following Unforeseen reasons:

1. Your, a Family Member’s, a Traveling Companion’s or a Business Partner’s death or a Traveling Companion’s Family Member’s, which occurs while You are on Your Trip; or

2. Your, a Family Member’s, or a Traveling Companion’s or a Business Partner’s or a Traveling Companion’s Family Member’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption; and c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on the Trip; or

3. for Other Covered Events as defined;

provided any such covered Unforeseen reason occurs while coverage is in effect for You.

Other Covered Events” means:

a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

b) You or Your Traveling Companion is the victim of a felonious assault within 10 days of the Scheduled Departure Date of Your Trip;

c. Your or Your Traveling Companion’s primary place of residence or destination is made Uninhabitable and remains Uninhabitable during Your scheduled Trip, by fire, flood, or other Natural Disaster, vandalism, or burglary of Your principle place of residence within 10 days of departure;

d. You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;

e. Strike that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

f. Inclement Weather that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

g. You or Your Traveling Companion who are military, police or fire personnel being called into emergency service to provide aid or relief for a Natural Disaster;

h. Your or Your Traveling Companion’s involuntary employment termination or layoff. Employment must have been with the same employer for at least 1 continuous year;

i) a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your or Your Traveling Companion’s Trip;

j. revocation of Your or Your Traveling Companion’s previously granted military leave or re-assignment, including war. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;

k. Bankruptcy or Default of causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. Coverage for this Other Covered Event only applies if Your payment for this policy is received within the Time Sensitive Period;

l. the death or hospitalization of Your Host at Destination;

m. mandatory evacuation ordered by local government authorities at Your Trip destination due to a Natural Disaster or a hurricane named after the Effective Date of Your coverage. You must have 50% or less of Your Trip length remaining at the time the mandatory evacuation ends in order to cancel or interrupt Your Trip and for this benefit to be payable;

n. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Trip Delay Benefit;

o. the primary or secondary school that Your or Your Traveling Companion’s Dependent child(ren) attends continues classes beyond the predefined school year, due to Unforeseen circumstances that: 1) occur after Your Effective Date for Trip Cancellation; and 2) cause the classes to extend beyond the Scheduled Departure Date of Your Trip. Extensions due to extra-curricular or athletic events are not covered;

Your or Your Traveling Companion’s pregnancy, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records;

q. You or Your Traveling Companion are attending the childbirth of Your Family Member, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records.

In no event shall the amount reimbursed for Trip Interruption exceed 150% of the amount You prepaid for Your Trip.

Additional Trip Interruption Benefits: If You have insured $0 Trip cost, and You interrupt Your Trip for a covered Unforeseen reason, We will reimburse You for the additional cost incurred for one-way airfare (using the same class of fare as the original travel ticket) to return You to Your originally scheduled return destination, up to the Maximum Benefit Amount shown in the Schedule of Benefits.

53 RoamRight
Elite
150% of the trip cost Quote

Full Policy Wording

TRIP CANCELLATION

Not applicable if $0 limit displayed on Your Confirmation of Benefits.

The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are prevented from taking Your Trip due to the following Unforeseen events:
a) Sickness, Accidental Injury or death of You, or Your Traveling Companion, or Family Member or Business Partner of You or Your Traveling Companion; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
b) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action provided You or a Traveling Companion are not a party to the legal action or appearing as a law enforcement officer, the victim of felonious assault within 10 days of departure; or having Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.
c) You or Your Traveling Companion are directly involved in a traffic accident substantiated by a police report while en route to departure.
d) The death or hospitalization of Your Host at Destination.
e) If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within the territorial limits of a City listed on Your itinerary. The Terrorist Attack must occur after the Effective Date of Your Trip Cancellation coverage.
f) You or Your Traveling Companion or Family Member who are military personnel, are called to emergency duty for a Natural Disaster or have their leave revoked or are reassigned.
g) Strike that causes complete cessation of services for at least 24 consecutive hours.
h) Weather which causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours.
i) Bankruptcy or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Coverage is not provided for the Bankruptcy or Default of the travel agent or Travel Supplier that solicited Your policy and from whom You purchased Your Land/Sea Arrangements. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. You must purchase Your policy within 21 days of Your initial Trip deposit.
j) You or Your Traveling Companion are terminated, or laid off from employment subject to one year of continuous employment at the place of employment where terminated.
k) Natural Disaster at the site of Your destination which renders Your destination accommodations uninhabitable.
l) Mandatory evacuation ordered by local authorities at Your final destination due to hurricane or other Natural Disaster. You must have 50% of Your total Trip length or less remaining on the Trip, at the time the mandatory evacuation ends, in order to cancel the Trip.
m) You or Your Traveling Companion’s normal pregnancy as long as the pregnancy occurs after Your or Your Traveling Companion’s Effective Date of coverage and can be verified by medical records.
n) You will be attending a Family Member’s childbirth as long as the pregnancy occurs after Your Effective Date of coverage and can be verified by medical records;
o) The primary or secondary school where You, Your Traveling Companion or Your Dependent Children attend(s) must extend its operating session beyond the pre-defined school year, due to Unforeseen events commencing during Your policy effective period, and the travel dates for the Trip fall within the period of the school year extension. Extensions due to extra-curricular or athletic events are not covered.
p) A cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Trip Delay benefit.

CANCEL FOR WORK REASONS

The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are prevented from taking Your Trip due to the following Unforeseen events:
a) A transfer of You or Your Traveling Companion by the employer by whom You or Your Traveling Companion are employed on Your Effective Date which requires their principal residence to be relocated.
b) You or Your Traveling Companion are required to work during the scheduled Trip. You or Your Traveling Companion must demonstrate proof of requirement to work, such as a notarized statement signed by an officer of Your or Your Traveling Companion’s employer.
c) You or Your Traveling Companion’s company is directly involved in a merger or acquisition. You or Your Traveling Companion must be an active employee of the company that is merging and You or Your Traveling Companion must be directly involved in such an event.
d) You or Your Traveling Companion’s company operations are interrupted by fire, flood, burglary, vandalism, product recall, Bankruptcy or financial Default.

Your application and plan cost must be received within 21 days of Your initial Trip deposit.

The Company will reimburse You for the following:
a) Non-refundable cancellation charges imposed by the Travel Suppliers.
b) Airfare cancellation charges for flights commencing within one week of the Land/Sea Arrangements.
c) If Your Travel Supplier cancels Your Trip, You are covered up to the cost of the ticket or the reissue fee charged by the airline for the tickets. You must have covered the entire cost of the Trip including the airfare.

In no event shall the amount reimbursed exceed the lesser of the amount You prepaid for the Trip or the maximum benefit shown on Your Confirmation of Benefits. In no event shall the amount reimbursed exceed the lesser of the amount You prepaid for the Trip or the maximum benefit shown on Your Confirmation of Benefits.

Special Conditions: You must advise the Travel Supplier and Arch Insurance Company as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Travel Supplier as soon as reasonably possible.

Single Occupancy Coverage: The Company will reimburse You, up to the maximum shown on Your Confirmation of Benefits, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with You has his/her Trip delayed, canceled, or interrupted for a covered reason and You do not cancel.

TRIP INTERRUPTION

Return Air Only up to $1,000 if $0 limit displayed on Your Confirmation of Benefits.

The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are unable to continue Your Trip due to the Unforeseen events listed under TRIP CANCELLATION.

The Company will pay for the following:
a) Unused, non-refundable travel arrangements prepaid to the Travel Suppliers.
b) Up to the maximum shown in the accompanying Confirmation of Benefits for the airfare paid, less the value of applied credit from an unused return travel ticket to return You to the return destination of the Trip as specified in the original travel documents from the point where You interrupted the Trip or rejoin the Trip from the point where You interrupted the Trip. (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket).

The Company will pay for reasonable additional meals, lodging, and transportation expenses incurred by You up to $200 a day if Your Traveling Companion must remain hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You cannot fly home due to an Accident or a Sickness but does not require hospitalization or if Your Trip must be extended due to an Unforeseen event listed under TRIP CANCELLATION.

54 RoamRight
Elite
150% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, prepaid non- refundable Payments or Deposits for Your land or water Travel Arrangements, plus the Additional Transportation Cost paid to:

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

b) rejoin Your Trip from the point where You interrupted Your Trip or transport You to Your originally scheduled return destination; for a covered Unforeseen reason.

Trip Interruption must be due to one of the following Unforeseen reasons:

1. Your, a Family Member’s, a Traveling Companion’s or a Business Partner’s or a Traveling Companion’s Family Member’s death, which occurs while You are on Your Trip; or

2. Your, a Family Member’s, or a Traveling Companion’s or a Business Partner’s or a Traveling Companion’s Family Member’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption; and c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on the Trip; or

3. for Other Covered Events as defined; provided any such covered Unforeseen reason occurs while coverage is in effect for You.

“Other Covered Events” means:

a) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

b) You or Your Traveling Companion is the victim of a felonious assault within 10 days of the Scheduled Departure Date of Your Trip;

c) Your or Your Traveling Companion’s primary place of residence or destination is made Uninhabitable and remains Uninhabitable during Your scheduled Trip, by fire, flood, or other Natural Disaster, vandalism, or burglary of Your principle place of residence within 10 days of departure;

d) You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;

e) Strike that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

f) Inclement Weather that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

g) You or Your Traveling Companion who are military, police or fire personnel being called into emergency service to provide aid or relief for a Natural Disaster;

h) Your or Your Traveling Companion’s involuntary employment termination or layoff. Employment must have been with the same employer for at least 1 continuous year;

i) a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your or Your Traveling Companion’s Trip;

j) revocation of Your or Your Traveling Companion’s previously granted military leave or re-assignment, including war. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;

k) Bankruptcy or Default causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This Coverage for this Other Covered Event only applies if Your payment for this policy is received within the Time Sensitive Period;

l) the death or hospitalization of Your Host at Destination;

m) mandatory evacuation ordered by local government authorities at Your Trip destination due to a Natural Disaster or a hurricane named after the Effective Date of Your coverage. You must have 50% or less of Your Trip length remaining at the time the mandatory evacuation ends in order to cancel or interrupt Your Trip and for this benefit to be payable;

n) a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under theTrip Delay Benefit;

o) the primary or secondary school that Your or Your Traveling Companion’s Dependent child(ren) attends continues classes beyond the predefined school year, due to Unforeseen circumstances that: 1) occur after Your Effective Date for Trip Cancellation; and 2) cause the classes to extend beyond the Scheduled Departure Date of Your Trip. Extensions due to extra-curricular or athletic events are not covered;

p) Your or Your Traveling Companion’s pregnancy, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records;

q) You or Your Traveling Companion are attending the childbirth of Your Family Member, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records.

In no event shall the amount reimbursed for Trip Cancellation and Trip Interruption exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

Additional Trip Interruption Benefits: If You have insured $0 Trip cost, and You interrupt Your Trip for a covered Unforeseen reason, We will reimburse You for the additional cost incurred for one-way airfare (using the same class of fare as the original travel ticket) to return You to Your originally scheduled return destination, up to the Maximum Benefit Amount shown in the Schedule of Benefits.

55 RoamRight
Active
150% of the trip cost Quote

Full Policy Wording

TRIP CANCELLATION

Not applicable if $0 limit displayed on Your Confirmation of Benefits.

The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are prevented from taking Your Trip due to the following Unforeseen events:
a) Sickness, Accidental Injury or death of You, or Your Traveling Companion, or Family Member or Business Partner of You or Your Traveling Companion; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
b) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action provided You or a Traveling Companion are not a party to the legal action or appearing as a law enforcement officer, the victim of felonious assault within 10 days of departure; or having Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.
c) You or Your Traveling Companion are directly involved in a traffic accident substantiated by a police report while en route to departure.
d) The death or hospitalization of Your Host at Destination.
e) If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within the territorial limits of a City listed on Your itinerary. The Terrorist Attack must occur after the Effective Date of Your Trip Cancellation coverage.
f) You or Your Traveling Companion or Family Member who are military personnel, are called to emergency duty for a Natural Disaster or have their leave revoked or are reassigned.
g) Strike that causes complete cessation of services for at least 24 consecutive hours.
h) Weather which causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours.
i) Bankruptcy or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Coverage is not provided for the Bankruptcy or Default of the travel agent or Travel Supplier that solicited Your policy and from whom You purchased Your Land/Sea Arrangements. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. You must purchase Your policy within 21 days of Your initial Trip deposit.
j) You or Your Traveling Companion are terminated, or laid off from employment subject to one year of continuous employment at the place of employment where terminated.
k) Natural Disaster at the site of Your destination which renders Your destination accommodations uninhabitable.
l) Mandatory evacuation ordered by local authorities at Your final destination due to hurricane or other Natural Disaster. You must have 50% of Your total Trip length or less remaining on the Trip, at the time the mandatory evacuation ends, in order to cancel the Trip.
m) You or Your Traveling Companion’s normal pregnancy as long as the pregnancy occurs after Your or Your Traveling Companion’s Effective Date of coverage and can be verified by medical records.
n) You will be attending a Family Member’s childbirth as long as the pregnancy occurs after Your Effective Date of coverage and can be verified by medical records;
o) The primary or secondary school where You, Your Traveling Companion or Your Dependent Children attend(s) must extend its operating session beyond the pre-defined school year, due to Unforeseen events commencing during Your policy effective period, and the travel dates for the Trip fall within the period of the school year extension. Extensions due to extra-curricular or athletic events are not covered.
p) A cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Trip Delay benefit.

The Company will reimburse You for the following:
a) Non-refundable cancellation charges imposed by the Travel Suppliers.
b) Airfare cancellation charges for flights commencing within one week of the Land/Sea Arrangements.
c) If Your Travel Supplier cancels Your Trip, You are covered up to the cost of the ticket or the reissue fee charged by the airline for the tickets. You must have covered the entire cost of the Trip including the airfare.

In no event shall the amount reimbursed exceed the lesser of the amount You prepaid for the Trip or the maximum benefit shown on Your Confirmation of Benefits.

Special Conditions: You must advise the Travel Supplier and Arch Insurance Company as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Travel Supplier as soon as reasonably possible.

Single Occupancy Coverage: The Company will reimburse You, up to the maximum shown on Your Confirmation of Benefits, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with You has his/her Trip delayed, canceled, or interrupted for a covered reason and You do not cancel.

TRIP INTERRUPTION

Return Air Only up to $750 if $0 limit displayed on Your Confirmation of Benefits.

The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are unable to continue Your Trip due to the Unforeseen events listed under TRIP CANCELLATION.

The Company will pay for the following:
a) Unused, non-refundable travel arrangements prepaid to the Travel Suppliers.
b) Up to the maximum shown in the accompanying Confirmation of Benefits for the airfare paid, less the value of applied credit from an unused return travel ticket to return You to the return destination of the Trip as specified in the original travel documents from the point where You interrupted the Trip or rejoin the Trip from the point where You interrupted the Trip. (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket).

The Company will pay for reasonable additional meals, lodging, and transportation expenses incurred by You up to $200 a day if Your Traveling Companion must remain hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You cannot fly home due to an Accident or a Sickness but does not require hospitalization or if Your Trip must be extended due to an Unforeseen event listed under TRIP CANCELLATION.

In no event shall the amount reimbursed exceed the lesser of the amount You prepaid for the Trip or the maximum benefit shown on Your Confirmation of Benefits.

56 RoamRight
Active
150% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION AND DELAYED ARRIVAL

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, prepaid non- refundable Payments or Deposits for Your land or water Travel Arrangements, plus the Additional Transportation Cost paid to:

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

b) rejoin Your Trip from the point where You interrupted Your Trip or transport You to Your originally scheduled return destination; for a covered Unforeseen reason.

Trip Interruption must be due to one of the following Unforeseen reasons:

1. Your, a Family Member’s, a Traveling Companion’s or a Business Partner’s death or a Traveling Companion’s Family Member’s, which occurs while You are on Your Trip; or

2. Your, a Family Member’s, or a Traveling Companion’s or a Business Partner’s or a Traveling Companion’s Family Member’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption; and c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on the Trip; or

3. for Other Covered Events as defined;

provided any such covered Unforeseen reason occurs while coverage is in effect for You.

“Other Covered Events” means:

a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

b You or Your Traveling Companion is the victim of a felonious assault within 10 days of the Scheduled Departure Date of Your Trip;

c. Your or Your Traveling Companion’s primary place of residence or destination is made Uninhabitable and remains Uninhabitable during Your scheduled Trip, by fire, flood, or other Natural Disaster, vandalism, or burglary of Your principle place of residence within 10 days of departure;

d. You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;

e. Strike that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

f. Inclement Weather that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

g. You or Your Traveling Companion who are military, police or fire personnel being called into emergency service to provide aid or relief for a Natural Disaster;

h. Your or Your Traveling Companion’s involuntary employment termination or layoff. Employment must have been with the same employer for at least 1 continuous year;

i a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your or Your Traveling Companion’s Trip;

j. revocation of Your or Your Traveling Companion’s previously granted military leave or re-assignment, including war. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;

k. Bankruptcy or Default causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. Coverage for this Other Covered Event only applies if Your payment for this policy is received within the Time Sensitive Period;

l. the death or hospitalization of Your Host at Destination;

m. mandatory evacuation ordered by local government authorities at Your Trip destination due to a Natural Disaster or a hurricane named after the Effective Date of Your coverage. You must have 50% or less of Your Trip length remaining at the time the mandatory evacuation ends in order to cancel or interrupt Your Trip and for this benefit to be payable;

n. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Trip Delay Benefit;

o. the primary or secondary school that Your or Your Traveling Companion’s Dependent child(ren) attends continues classes beyond the predefined school year, due to Unforeseen circumstances that: 1) occur after Your Effective Date for Trip Cancellation; and 2) cause the classes to extend beyond the Scheduled Departure Date of Your Trip. Extensions due to extra-curricular or athletic events are not covered;

Your or Your Traveling Companion’s pregnancy, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records;

q. You or Your Traveling Companion are attending the childbirth of Your Family Member, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records.

Delayed Arrival must be due to one of the following Unforeseen reasons which occurs within 7 days of Your Scheduled Departure Date:

1. Your, a Family Member’s, a Traveling Companion’s or a Business Partner’s death; or

2. Your, a Family Member’s, or a Traveling Companion’s or a Business Partner’s covered Sickness or Injury which: a) requires Medical Treatment at the time of occurrence; and b) as certified by a Physician, results in medical restrictions so disabling as to prevent You from departing on Your Trip on Your Scheduled Departure Date; or

3. for Other Covered Events as defined;

provided any such covered Unforeseen reason occurs while coverage is in effect for You.

Additional Trip Interruption Benefits: If You have insured $0 Trip cost, and You interrupt Your Trip for a covered Unforeseen reason, We will reimburse You for the additional cost incurred for one-way airfare (using the same class of fare as the original travel ticket) to return You to Your originally scheduled return destination, up to the Maximum Benefit Amount shown in the Schedule of Benefits.

57 RoamRight
Adventure
150% of the trip cost Quote

Full Policy Wording

TRIP CANCELLATION

Not applicable if $0 limit displayed on Your Confirmation of Benefits.

The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are prevented from taking Your Trip due to the following Unforeseen events:
a) Sickness, Accidental Injury or death of You, or Your Traveling Companion, or Family Member or Business Partner of You or Your Traveling Companion; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
b) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action provided You or a Traveling Companion are not a party to the legal action or appearing as a law enforcement officer, the victim of felonious assault within 10 days of departure; or having Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.
c) You or Your Traveling Companion are directly involved in a traffic accident substantiated by a police report while en route to departure.
d) The death or hospitalization of Your Host at Destination.
e) If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within the territorial limits of a City listed on Your itinerary. The Terrorist Attack must occur after the Effective Date of Your Trip Cancellation coverage.
f) You or Your Traveling Companion or Family Member who are military personnel, are called to emergency duty for a Natural Disaster or have their leave revoked or are reassigned.
g) Strike that causes complete cessation of services for at least 24 consecutive hours.
h) Weather which causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours.
i) Bankruptcy or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Coverage is not provided for the Bankruptcy or Default of the travel agent or Travel Supplier that solicited Your policy and from whom You purchased Your Land/Sea Arrangements. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. You must purchase Your policy within 21 days of Your initial Trip deposit.
j) You or Your Traveling Companion are terminated, or laid off from employment subject to one year of continuous employment at the place of employment where terminated.
k) Natural Disaster at the site of Your destination which renders Your destination accommodations uninhabitable.
l) Mandatory evacuation ordered by local authorities at Your final destination due to hurricane or other Natural Disaster. You must have 50% of Your total Trip length or less remaining on the Trip, at the time the mandatory evacuation ends, in order to cancel the Trip.
m) You or Your Traveling Companion’s normal pregnancy as long as the pregnancy occurs after Your or Your Traveling Companion’s Effective Date of coverage and can be verified by medical records.
n) You will be attending a Family Member’s childbirth as long as the pregnancy occurs after Your Effective Date of coverage and can be verified by medical records;
o) The primary or secondary school where You, Your Traveling Companion or Your Dependent Children attend(s) must extend its operating session beyond the pre-defined school year, due to Unforeseen events commencing during Your policy effective period, and the travel dates for the Trip fall within the period of the school year extension. Extensions due to extra-curricular or athletic events are not covered.
p) A cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Trip Delay benefit.

The Company will reimburse You for the following:
a) Non-refundable cancellation charges imposed by the Travel Suppliers.
b) Airfare cancellation charges for flights commencing within one week of the Land/Sea Arrangements.
c) If Your Travel Supplier cancels Your Trip, You are covered up to the cost of the ticket or the reissue fee charged by the airline for the tickets. You must have covered the entire cost of the Trip including the airfare.

In no event shall the amount reimbursed exceed the lesser of the amount You prepaid for the Trip or the maximum benefit shown on Your Confirmation of Benefits.

Special Conditions: You must advise the Travel Supplier and Arch Insurance Company as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Travel Supplier as soon as reasonably possible.

Single Occupancy Coverage: The Company will reimburse You, up to the maximum shown on Your Confirmation of Benefits, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with You has his/her Trip delayed, canceled, or interrupted for a covered reason and You do not cancel.

TRIP INTERRUPTION

Return Air Only up to $750 if $0 limit displayed on Your Confirmation of Benefits.

The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are unable to continue Your Trip due to the Unforeseen events listed under TRIP CANCELLATION.

The Company will pay for the following:
a) Unused, non-refundable travel arrangements prepaid to the Travel Suppliers.
b) Up to the maximum shown in the accompanying Confirmation of Benefits for the airfare paid, less the value of applied credit from an unused return travel ticket to return You to the return destination of the Trip as specified in the original travel documents from the point where You interrupted the Trip or rejoin the Trip from the point where You interrupted the Trip. (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket).

The Company will pay for reasonable additional meals, lodging, and transportation expenses incurred by You up to $200 a day if Your Traveling Companion must remain hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You cannot fly home due to an Accident or a Sickness but does not require hospitalization or if Your Trip must be extended due to an Unforeseen event listed under TRIP CANCELLATION.

In no event shall the amount reimbursed exceed the lesser of the amount You prepaid for the Trip or the maximum benefit shown on Your Confirmation of Benefits.

58 RoamRight
Adventure
150% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION AND DELAYED ARRIVAL

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, prepaid non- refundable Payments or Deposits for Your land or water Travel Arrangements, plus the Additional Transportation Cost paid to:

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

b) rejoin Your Trip from the point where You interrupted Your Trip or transport You to Your originally scheduled return destination;
for a covered Unforeseen reason.

Trip Interruption must be due to one of the following Unforeseen reasons:

1. Your, a Family Member’s, a Traveling Companion’s or a Business Partner’s death or a Traveling Companion’s Family Member’s, which occurs while You are on Your Trip; or

2. Your, a Family Member’s, or a Traveling Companion’s or a Business Partner’s or a Traveling Companion’s Family Member’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption; and c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on the Trip; or

3. for Other Covered Events as defined;

provided any such covered Unforeseen reason occurs while coverage is in effect for You.

“Other Covered Events” means:

a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

b You or Your Traveling Companion is the victim of a felonious assault within 10 days of the Scheduled Departure Date of Your Trip;

c. Your or Your Traveling Companion’s primary place of residence or destination is made Uninhabitable and remains Uninhabitable during Your scheduled Trip, by fire, flood, or other Natural Disaster, vandalism, or burglary of Your principle place of residence within 10 days of departure;

d. You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;

e. Strike that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

f. Inclement Weather that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

g. You or Your Traveling Companion who are military, police or fire personnel being called into emergency service to provide aid or relief for a Natural Disaster;

h. Your or Your Traveling Companion’s involuntary employment termination or layoff. Employment must have been with the same employer for at least 1 continuous year;

i a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your or Your Traveling Companion’s Trip;

j. revocation of Your or Your Traveling Companion’s previously granted military leave or re-assignment, including war. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;

k. Bankruptcy or Default causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. Coverage for this Other Covered Event only applies if Your payment for this policy is received within the Time Sensitive Period;

l. the death or hospitalization of Your Host at Destination;

m. mandatory evacuation ordered by local government authorities at Your Trip destination due to a Natural Disaster or a hurricane named after the Effective Date of Your coverage. You must have 50% or less of Your Trip length remaining at the time the mandatory evacuation ends in order to cancel or interrupt Your Trip and for this benefit to be payable;

n. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Trip Delay Benefit;

o. the primary or secondary school that Your or Your Traveling Companion’s Dependent child(ren) attends continues classes beyond the predefined school year, due to Unforeseen circumstances that: 1) occur after Your Effective Date for Trip Cancellation; and 2) cause the classes to extend beyond the Scheduled Departure Date of Your Trip. Extensions due to extra-curricular or athletic events are not covered;

Your or Your Traveling Companion’s pregnancy, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records;

q. You or Your Traveling Companion are attending the childbirth of Your Family Member, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records.

In no event shall the amount reimbursed for Trip Cancellation exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

In no event shall the amount reimbursed for Trip Interruption exceed 150% of the amount You prepaid for Your Trip.

Delayed Arrival must be due to one of the following Unforeseen reasons which occurs within 7 days of Your Scheduled Departure Date:

1. Your, a Family Member’s, a Traveling Companion’s or a Business Partner’s death; or

2. Your, a Family Member’s, or a Traveling Companion’s or a Business Partner’s covered Sickness or Injury which: a) requires Medical Treatment at the time of occurrence; and b) as certified by a Physician, results in medical restrictions so disabling as to prevent You from departing on Your Trip on Your Scheduled Departure Date; or

3. for Other Covered Events as defined;

provided any such covered Unforeseen reason occurs while coverage is in effect for You.

Additional Trip Interruption Benefits: If You have insured $0 Trip cost, and You interrupt Your Trip for a covered Unforeseen reason, We will reimburse You for the additional cost incurred for one-way airfare (using the same class of fare as the original travel ticket) to return You to Your originally scheduled return destination, up to the Maximum Benefit Amount shown in the Schedule of Benefits.

59 RoamRight
Multi-Trip
$1,500 per person per year Quote

Full Policy Wording

TRIP CANCELLATION

The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are prevented from taking Your Trip due to the following Unforeseen events:
a) Sickness, Accidental Injury or death of You, or Your Traveling Companion, or Family Member or Business Partner of You or Your Traveling Companion; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
b) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action provided You or a Traveling Companion are not a party to the legal action or appearing as a law enforcement officer, the victim of felonious assault within 10 days of departure; or having Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.
c) If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within the territorial limits of a City listed on Your itinerary. The Terrorist Attack must occur after the Effective Date of Your Trip Cancellation coverage.
d) You or Your Traveling Companion or Family Member who are military personnel, are called to emergency duty for a Natural Disaster or have their leave revoked or are reassigned.
e) Strike that causes complete cessation of services for at least 24 consecutive hours.
f) Weather which causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours.
g) You or Your Traveling Companion are terminated, or laid off from employment subject to one year of continuous employment at the place of employment where terminated.

The Company will reimburse You for the following:
a) Non-refundable cancellation charges imposed by the Travel Suppliers.
b) Airfare cancellation charges for flights commencing within one week of the Land/Sea Arrangements.
c) If Your Travel Supplier cancels Your Trip, You are covered up to the cost of the ticket or the reissue fee charged by the airline for the tickets. You must have covered the entire cost of the Trip including the airfare.

In no event shall the amount reimbursed exceed the lesser of the amount You prepaid for the Trip or the maximum benefit shown on Your Confirmation of Benefits.

Special Conditions: You must advise the Travel Supplier and Arch Insurance Company as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Travel Supplier as soon as reasonably possible.

Single Occupancy Coverage: The Company will reimburse You, up to the maximum shown on Your Confirmation of Benefits, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with You has his/her Trip canceled or interrupted for a covered reason and You do not cancel.

TRIP INTERRUPTION

The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are unable to continue Your Trip due to the Unforeseen events listed under TRIP CANCELLATION.

The Company will pay for the following:
a) Unused, non-refundable travel arrangements prepaid to the Travel Suppliers.
b) Up to the maximum shown in the accompanying Confirmation of Benefits for the airfare paid, less the value of applied credit from an unused return travel ticket to return You to the return destination of the Trip as specified in the original travel documents from the point where You interrupted the Trip or rejoin the Trip from the point where You interrupted the Trip. (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket).

The Company will pay for reasonable additional meals, lodging, and transportation expenses incurred by You up to $200 a day if Your Traveling Companion must remain hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You cannot fly home due to an Accident or a Sickness but does not require hospitalization or if Your Trip must be extended due to an Unforeseen event listed under TRIP CANCELLATION.

In no event shall the amount reimbursed exceed the lesser of the amount You prepaid for the Trip or the maximum benefit shown on Your Confirmation of Benefits.

60 RoamRight
Multi-Trip Medical excl US
No coverage Quote

Full Policy Wording

There is no Trip Interruption coverage with this plan.

61 RoamRight
Medical excl US
$5,000 per person Return transportation only Quote

Full Policy Wording

TRIP INTERRUPTION

Trip Interruption coverage provides benefits up to the maximum stated in Your Schedule of Coverage and Service, Trip Interruption, Trip Interruption Limit, for Loss(es) You incur for trips if interrupted after departure. Coverage is provided for losses (after the Effective Date) You incur due to the interruption of Your trip if caused by:
1. Death of a Family Member;
2. Serious damage to Your principal residence from fire, flood or similar natural disaster (tornado, earthquake, hurricane, etc.).

Coverage is provided for the cost of a one-way air or ground transportation ticket of the same class as the unused travel ticket to return You from the International airport nearest to where You was located at the time of learning of such death or destruction to the International airport nearest to: (i) the location of the funeral or place of burial in the case of the Unexpected death of a Relative, or (ii) Your principal residence in the case of substantial destruction thereof; subject to the following conditions and limitations:

1. You must be outside of Your Home Country at the time of the Unexpected death of the Relative or the substantial destruction of the principal residence; and
2. The Unexpected death of the Relative or the substantial destruction of the residence must have occurred during the Period of Coverage; and
3. The Company will deduct from the Trip Interruption benefits payable hereunder the value, if any, of the unused return ticket held by You at the time of the death or destruction, which value You must attempt to receive credit for or apply towards the costs of the return trip.

The Company will not provide any benefits, reimbursements or coverages for any of the costs or expenses incurred by You for a re-return trip, if any, to Your original location at the time of learning of such death or destruction.

62 RoamRight
Evacuation
No coverage Quote

Full Policy Wording

There is no Trip Interruption coverage with this plan.

63 Seven Corners Inc
RoundTrip
150% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION

The Company will reimburse You for the following if Your Trip is cancelled for any of the reasons listed above under Trip Cancellation/Trip Interruption:

The Company will pay for the following:

(a) Unused, non-refundable land or sea expenses prepaid to the Travel Suppliers;

(b) The airfare paid less the value of applied credit from an unused travel ticket to return home, join or rejoin the original Land/Sea Arrangements limited to the cost of one-way economy airfare or similar quality as the originally issued ticket by scheduled carrier.

The Company will pay for reasonable additional accommodation and transportation expenses incurred by You (up to $100 a day) if a Traveling Companion must remain hospitalized, or if You must extend the Trip with additional hotel nights due to a Physician certifying that You cannot fly home due to an Accident or a Sickness but does not require hospitalization.

In no event shall the amount reimbursed exceed the maximum benefit shown on the Confirmation of Coverage.

The Company will pay a benefit, up to the maximum shown on the Confirmation of Coverage, if You are prevented from taking or unable to continue Your Trip due to:

a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member or Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.

b) You or a Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of felonious assault within ten (10) days of departure; or having his/her principal place of residence made uninhabitable by fire, flood or other natural disaster; or burglary of his/her principal place of residence within ten (10) days of departure.

c) You or a Traveling Companion being directly involved in a traffic accident substantiated by a police report, while en route to departure.

d) A transfer of You by the employer with whom You are employed on the Effective Date that requires Your principal residence to be relocated.

e) The death or hospitalization of Your Host at Destination.

f) A Terrorist Incident that occurs in a city listed on Your Trip itinerary and within thirty (30) days prior to Your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the ninety (90) days prior to the Terrorist Incident that is causing the cancellation of Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date.

g) You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty for a natural disaster other than war.

h) Strike that causes complete cessation of services for at least forty-eight (48) consecutive hours.

i) Weather that causes complete cessation of services of Your Common Carrier for at least forty-eight (48) consecutive hours.

j) Bankruptcy and/or Default of Your Travel Supplier which occurs more than ten (10) days following Your Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased the Land/Sea Arrangements. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination.

k) You are terminated, or laid off from employment subject to five (5) years of continuous employment at the place of employment where terminated.

l) Natural disaster at the site of Your destination that renders the destination accommodations uninhabitable.

64 Seven Corners Inc
RoundTrip Choice
150% of the trip cost Quote

Full Policy Wording

TRIP CANCELLATION & TRIP INTERRUPTION

The Company will pay a benefit, up to the maximum shown on the Confirmation of Coverage, if You are prevented from taking or unable to continue Your Trip due to:

a) Sickness, Accidental Injury or death of You, Traveling Companion, or Family Member or Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.

b) You or a Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of felonious assault within ten (10) days of departure; or having his/her principal place of residence made uninhabitable by fire, flood or other natural disaster; or burglary of his/her principal place of residence within ten (10) days of departure.

c) You or a Traveling Companion being directly involved in a traffic accident substantiated by a police report, while en route to departure.

d) A transfer of You by the employer with whom You are employed on the Effective Date that requires Your principal residence to be relocated.

e) The death or hospitalization of Your Host at Destination.

f) A Terrorist Incident that occurs in a city listed on Your Trip itinerary and within thirty (30) days prior to Your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the ninety (90) days prior to the Terrorist Incident that is causing the cancellation of Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date.

g) You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty for a natural disaster other than war.

h) Strike that causes complete cessation of services for at least forty-eight (48) consecutive hours.

i) Weather that causes complete cessation of services of Your Common Carrier for at least forty-eight (48) consecutive hours.

j) Bankruptcy and/or Default of Your Travel Supplier which occurs more than ten (10) days following Your Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased the Land/Sea Arrangements. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination.

k) You are terminated, or laid off from employment subject to five (5) years of continuous employment at the place of employment where terminated.

l) Natural disaster at the site of Your destination that renders the destination accommodations uninhabitable.

TRIP INTERRUPTION

The Company will reimburse You for the following if Your Trip is cancelled for any of the reasons listed above under Trip Cancellation/Trip Interruption:

The Company will pay for the following:

(a) Unused, non-refundable land or sea expenses prepaid to the Travel Suppliers;

(b) The airfare paid less the value of applied credit from an unused travel ticket to return home, join or rejoin the original Land/Sea Arrangements limited to the cost of one-way economy airfare or similar quality as the originally issued ticket by scheduled carrier.

The Company will pay for reasonable additional accommodation and transportation expenses incurred by You (up to $100 a day) if a Traveling Companion must remain hospitalized, or if You must extend the Trip with additional hotel nights due to a Physician certifying that You cannot fly home due to an Accident or a Sickness but does not require hospitalization.

In no event shall the amount reimbursed exceed the maximum benefit shown on the Confirmation of Coverage.

65 Seven Corners Inc
Liaison Continent excl US
$5,000 per person Return transportation only Quote

Full Policy Wording

Interruption of Trip: If the Insured is unable to continue the Trip due to the death of a parent, spouse, sibling or child; or due to serious damage to the Insured’s principal residence from fire, flood or similar natural disaster (tornado, earthquake, hurricane, etc.), the program will reimburse up to $5,000 the Insured for the cost of economy travel, less the value of applied credit from an unused return travel ticket, to return home to their area of principal residence. Any and all arrangements must be made by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

For Interruption of Trip, this insurance does not cover: (1) war or any act of war, whether declared or not; participation in a felony, riot or insurrection; participation in contests of speed; a Pre-existing Condition existing prior to the Insured’s departure from their Home Country that has the likelihood of causing death; the Insured Person or Traveling Companion or Traveling Companion’s family making changes to personal plans; having business or contractual obligations; being unable to obtain necessary travel documents (passports, visas, etc.); being detained or having property confiscated by customs authorities; carrier caused delays (including bad weather); prohibition or regulatory by any government; default of yacht charter companies; default of the organization from which the Insured Person purchased their trip arrangements.

66 Seven Corners Inc
Liaison Majestic excl US
$5,000 per person Return transportation only Quote

Full Policy Wording

INTERRUPTION OF TRIP

Maximum Benefit Amount: $5,000

If the Insured is unable to continue the Trip due to the death of a parent, spouse, sibling or child; or due to serious damage to the Insured’s principal residence from fire, flood or similar natural disaster (tornado, earthquake, hurricane, etc.), the program will reimburse (up to $5,000) the Insured for the cost of economy travel, less the value of applied credit from an unused return travel ticket, to return home to their area of principal residence. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

67 Seven Corners Inc
Liaison International excl US
$5,000 per person Return transportation only Quote

Full Policy Wording

INTERRUPTION of TRIP BENEFIT

Benefits will be paid, up to the Maximum Benefit Amount shown in the Plan Participant’s Schedule of Benefits, to reimburse the Plan

Participant for the Prepaid Payments or Deposits for unused non-refundable land or water travel arrangements plus the additional

transportation cost paid to return to Your place of residence.

Trip Interruption must be due to:

1) The Plan Participant’s, or a Immediate Family member’s, or a Child Caregiver’s death, which occurs while the Plan Participant is/are on the Plan Participant’s Trip;

a) The Plan Participant or Plan Participant’s Traveling Companion’s primary place of residence being rendered uninhabitable by fire, flood, burglary or other Natural Disaster; The Company will only pay benefits for losses occurring within 30 calendar days after the natural disaster makes the Plan Participant’s destination accommodations uninhabitable. The Plan Participant’s destination is uninhabitable if: (i) the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail, or flood; (iii) immediate safety hazards have yet to be cleared such as debris on roofs or downed electrical lines; or (iv) the rental property is without electricity or water. Benefits are not payable if a storm, snow storm, blizzard or hurricane is named on or before the Effective Date of the Plan Participant’s Trip Cancellation coverage.

68 Seven Corners Inc
RoundTrip Economy
100% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION

Benefits will be paid, up to a) the Maximum Benefit Amount shown in the Schedule of Benefits; or b) 100% of the total amount of coverage You purchased, to reimburse You for the Prepaid Payments or Deposits for unused non-refundable land or water Travel Arrangements plus the Additional Transportation Cost paid:

a) to join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements by the most direct route possible to reach Your Trip destination; or

b) to rejoin Your Trip or transport You to Your originally scheduled return destination, if You must interrupt Your Trip after departure, each by the most direct route possible.

Trip Interruption must be due to:

1. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s death, which occurs while You are on Your Trip;

2. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and c) prevents Your continued participation on Your Trip;

3. For the Other Covered reasons listed below;

provided such circumstances occur while coverage is in effect.

“Other Covered reasons” means:

a) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date) served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

b) Your or Your Traveling Companion’s primary place of residence being rendered uninhabitable and remaining uninhabitable during Your scheduled Trip, by fire, flood, burglary or other Natural Disaster; The Company will only pay benefits for Losses occurring within 30 calendar days after the Natural Disaster makes Your destination accommodations uninhabitable. Your destination is uninhabitable if: (i) the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail, or flood; (iii) immediate safety hazards have yet to be cleared such as debris on roofs or downed electrical lines; or (iv) the rental property is without electricity or water. Benefits are not payable if a storm, snow storm, blizzard or hurricane is named on or before the Effective Date of Your Trip Cancellation coverage;

c) You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;

d) unannounced Strike that causes complete cessation of services for at least 48 consecutive hours of the Common Carrier on which You are scheduled to travel;

e) Inclement Weather that causes complete cessation of services for at least 48 consecutive hours of the Common Carrier on which You are scheduled to travel;

f) You or Your Traveling Companion is in the military and called to emergency duty for a national disaster other than war;

g) involuntary employer termination or affecting You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year;

h) a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip. This same city must not have experienced a Terrorist Incident within the 90 days prior to the Terrorist Incident that is causing Your interruption of the Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary;

i) Bankruptcy or Default of an airline, or cruise line, tour operator or other travel provider (other than the Travel Supplier, tour operator or travel agency, organization or firm from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination;

j) felonious assault of You or Your Traveling Companion traveling with You within 10 days of the Scheduled Departure Date;

Additional Trip Interruption Benefits:

If Your Traveling Companion must remain hospitalized, benefits will also be paid for reasonable accommodation and local transportation expenses incurred by You to remain with Your Traveling Companion up to $150 per day, limited to 10 days and a maximum of $1,000.

If You cannot continue travel due to a covered Injury or Sickness not requiring hospitalization and You must extend Your Trip due to medically imposed restrictions, as certified by a Legally Qualified Physician, benefits will be paid for additional hotel nights, meal(s) and local transportation expenses up to $100 per day, limited to 10 days and a maximum of $1,000.

The maximum payable under this Trip Interruption Benefit is the lesser of 100% of the total amount of coverage You purchased or 100% of the Maximum Benefit Amount shown in the Schedule of Benefits.

Single Supplement

Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for Prepaid Travel Arrangements if a Traveling Companion’s or Family Member’s Trip is interrupted for a Covered reason and You do not interrupt Your Trip.

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

69 Seven Corners Inc
RoundTrip Elite
150% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION

Benefits will be paid, up to a) the Maximum Benefit Amount shown in the Schedule of Benefits; or b) 150% of the total amount of coverage You purchased, to reimburse You for the Prepaid Payments or Deposits for unused non-refundable land or water Travel Arrangements plus the Additional Transportation Cost paid:

a) to join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements by the most direct route possible to reach Your Trip destination; or

b) to rejoin Your Trip or transport You to Your originally scheduled return destination, if You must interrupt Your Trip after departure, each by the most direct route possible.

Trip Interruption must be due to:

1. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s death, which occurs while You are on Your Trip;

2. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and c) prevents Your continued participation on Your Trip;

3. For the Other Covered reasons listed below;

provided such circumstances occur while coverage is in effect.

“Other Covered reasons” means:

a) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date) served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

b) Your or Your Traveling Companion’s primary place of residence being rendered uninhabitable and remaining uninhabitable during Your scheduled Trip, by fire, flood, burglary or other Natural Disaster; The Company will only pay benefits for Losses occurring within 30 calendar days after the Natural Disaster makes Your destination accommodations uninhabitable. Your destination is uninhabitable if: (i) the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail, or flood; (iii) immediate safety hazards have yet to be cleared such as debris on roofs or downed electrical lines; or (iv) the rental property is without electricity or water. Benefits are not payable if a storm, snow storm, blizzard or hurricane is named on or before the Effective Date of Your Trip Cancellation coverage;

c) You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;

d) unannounced Strike that causes complete cessation of services for at least 48 consecutive hours of the Common Carrier on which You are scheduled to travel;

e) Inclement Weather that causes complete cessation of services for at least 48 consecutive hours of the Common Carrier on which You are scheduled to travel;

f) You or Your Traveling Companion is in the military and called to emergency duty for a national disaster other than war;

g) involuntary employer termination or affecting You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year;

h) a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip. This same city must not have experienced a Terrorist Incident within the 90 days prior to the Terrorist Incident that is causing Your interruption of the Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary;

i) Bankruptcy or Default of an airline, or cruise line, tour operator or other travel provider (other than the Travel Supplier, tour operator or travel agency, organization or firm from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination;

j) felonious assault of You or Your Traveling Companion traveling with You within 10 days of the Scheduled Departure Date;

Additional Trip Interruption Benefits:

If Your Traveling Companion must remain hospitalized, benefits will also be paid for reasonable accommodation and local transportation expenses incurred by You to remain with Your Traveling Companion up to $150 per day, limited to 10 days and a maximum of $1,000.

If You cannot continue travel due to a covered Injury or Sickness not requiring hospitalization and You must extend Your Trip due to medically imposed restrictions, as certified by a Legally Qualified Physician, benefits will be paid for additional hotel nights, meal(s) and local transportation expenses up to $100 per day, limited to 10 days and a maximum of $1,000.

The maximum payable under this Trip Interruption Benefit is the lesser of 150% of the total amount of coverage You purchased or 150% of the Maximum Benefit Amount shown in the Schedule of Benefits.

Single Supplement

Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for Prepaid Travel Arrangements if a Traveling Companion’s or Family Member’s Trip is interrupted for a Covered reason and You do not interrupt Your Trip.

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

70 Seven Corners Inc
Wander Frequent Traveler excl US
$5,000 per person Return transportation only Quote

Full Policy Wording

INTERRUPTION OF TRIP

Maximum Benefit Amount: $5,000

If the Insured is unable to continue the Trip due to the death of a parent, spouse, sibling or child; or due to serious damage to the Insured’s principal residence from fire, flood or similar natural disaster (tornado, earthquake, hurricane, etc.), the program will reimburse the Insured for the cost of economy travel, less the value of applied credit from an unused return travel ticket, to return home to their area of principal residence. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

71 Tin Leg
Economy
100% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from continuing or resuming Your Covered Trip due to any of the Unforeseen events listed below. We will pay You:

a) For the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s).

b) Additional Transportation expenses incurred by You.

c) Return air travel up to the lesser of the cost of an economy flight or the amount shown in the Schedule of Benefits.

d) If You used frequent traveler awards (frequent flyer miles or Hotel rewards) for any part of a Covered Trip, We will pay the fees incurred by You for re-depositing those awards in Your account if the Covered Trip is interrupted for any of the reasons described above.

In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) Inclement weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 48 consecutive hours.

c) Mandatory evacuation ordered by local authorities at Your destination due to hurricane or other Natural Disaster. You must have 50% or less of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.

d) Natural Disaster or documented man-made disaster at the site of Your destination which renders Your accommodations at Your destination uninhabitable.

e) Bankruptcy and/or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Your Scheduled Departure Date must be no more than 15 months beyond Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate Transportation is available. If alternate Transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment.

f) You or Your Traveling Companion are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 2 consecutive years.

g) If within 7 days of Your departure, a politically motivated Terrorist Attack occurs within 50 miles of a City listed on Your itinerary. The Terrorist Attack must occur on or after the Effective Date of Your Trip Cancellation Coverage.

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

i) You and/or Your Traveling Companion are hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You are or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer; the victim of felonious assault; having Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.

72 Tin Leg
Standard
100% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from continuing or resuming Your Covered Trip due to any of the Unforeseen events listed below. We will pay You:

a) For the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s).

b) Additional Transportation expenses incurred by You.

c) Return air travel up to the lesser of the cost of an economy flight or the amount shown in the Schedule of Benefits.

d) If You used frequent traveler awards (frequent flyer miles or Hotel rewards) for any part of a Covered Trip, We will pay the fees incurred by You for re-depositing those awards in Your account if the Covered Trip is interrupted for any of the reasons described above.

In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) Inclement weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 24 consecutive hours.

c) Mandatory evacuation ordered by local authorities at Your destination due to hurricane or other Natural Disaster. You must have 50% or less of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.

d) Natural Disaster or documented man-made disaster at the site of Your destination which renders Your accommodations at Your destination uninhabitable.

e) Bankruptcy and/or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Your Scheduled Departure Date must be no more than 15 months beyond Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate Transportation is available. If alternate Transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment.

f) You or Your Traveling Companion are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 2 consecutive years.

g) If within 7 days of Your departure, a politically motivated Terrorist Attack occurs within 50 miles of a City listed on Your itinerary. The Terrorist Attack must occur on or after the Effective Date of Your Trip Cancellation Coverage.

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

i) You and/or Your Traveling Companion are hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You are or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer; the victim of felonious assault; having Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.

73 Tin Leg
Luxury
150% of the trip cost Quote

Full Policy Wording

TRIP INTERRUPTION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from continuing or resuming Your Covered Trip due to any of the Unforeseen events listed below. We will pay You:

a) For the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s).

b) Additional Transportation expenses incurred by You.

c) Return air travel up to the lesser of the cost of an economy flight or the amount shown in the Schedule of Benefits.

d) If You used frequent traveler awards (frequent flyer miles or Hotel rewards) for any part of a Covered Trip, We will pay the fees incurred by You for re-depositing those awards in Your account if the Covered Trip is interrupted for any of the reasons described above.

In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

For Trip Cancellation or Trip Interruption, Unforeseen Events Include:

a) Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) Inclement weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 12 consecutive hours.

c) Mandatory evacuation ordered by local authorities at Your destination due to hurricane or other Natural Disaster. You must have 50% or less of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.

d) Natural Disaster or documented man-made disaster at the site of Your destination which renders Your accommodations at Your destination uninhabitable.

e) Bankruptcy and/or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Your Scheduled Departure Date must be no more than 15 months beyond Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate Transportation is available. If alternate Transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment.

f) You or Your Traveling Companion are terminated, or laid off from employment, from a place of employment for which You have been employed for the past 2 consecutive years.

g) If within 7 days of Your departure, a politically motivated Terrorist Attack occurs within 50 miles of a City listed on Your itinerary. The Terrorist Attack must occur on or after the Effective Date of Your Trip Cancellation Coverage.

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

i) You and/or Your Traveling Companion are hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You are or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer; the victim of felonious assault; having Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.

74 Travel Insured International
Worldwide Trip Protector Lite
100% of the trip cost Quote

Full Policy Wording

COVERAGE B

TRIP INTERRUPTION

Benefits will be paid, up to the lesser of a) the Maximum Benefit Amount shown in the Confirmation of Benefits; or b) 100% of the total amount of coverage You purchased, to reimburse You for the Prepaid Payments for unused non-refundable Travel Arrangements plus the Additional Transportation Cost paid:

a) to join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements by the most direct route possible to reach Your Trip destination (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket); or

b) to rejoin Your Trip or transport You to Your originally scheduled return destination, if You must interrupt Your Trip after departure, each by the most direct route possible. (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket)

Trip Interruption must be due to:

1. Your, Your Family Member’s, Your Traveling Companion’s, Your Traveling Companion’s Family Member, Your Business Partner’s or Your Business Partners Family Member’s death, which occurs while You are on Your Trip;

2. Your, Your Family Member’s, Your Traveling Companion’s, Your Traveling Companion’s Family Member, Your Business Partner’s or Your Business Partners Family Member’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b)requires Medical Treatment at the time of interruption resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and c) prevents Your continued participation on Your Trip;

3. For the Other Covered reasons listed below;

provided such circumstances occur while coverage is in effect.

The maximum payable under this Trip Interruption Benefit is the lesser of 100% of the total amount of coverage You purchased or 100% of the Maximum Benefit Amount shown in the Confirmation of Benefits.

“Other Covered Reasons” means:

a) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

b) Your or Your Traveling Companion’s primary place of residence or destination being rendered uninhabitable and remaining uninhabitable during Your scheduled Trip by fire, flood, burglary or other Natural Disaster. Your destination is uninhabitable if: (i) the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail, or flood; (iii) immediate safety hazards have yet to be cleared such as debris on roofs or downed electrical lines; or (iv) the rental property is without electricity or water. Benefits are not payable if a storm, snow storm, blizzard or hurricane is named on or before the Effective Date of Your Trip Cancellation coverage;

c) You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;

d) Unannounced Strike that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You are scheduled to travel;

e) Inclement Weather that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You are scheduled to travel;

f) You or Your Traveling Companion or Your Family Member is in the military and called to emergency duty for a national disaster other than war;

g) involuntary employer termination or layoff of You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year;

h) a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip;

i) revocation of Your or Your Traveling Companion’s previously granted military leave or re-assignment. Official written revocation/re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;

j) Your family or friends living abroad with whom You are planning to stay are unable to provide accommodations due to life threatening illness, life threatening injury or death of one of them;

k) felonious assault of You or Your Traveling Companion within 10 days of the Scheduled Departure Date;

Single Supplement

Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for Prepaid Travel Arrangements if a Traveling Companion’s or Family Member’s Trip is interrupted for a Covered reason and You do not interrupt Your Trip.

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

75 Travel Insured International
Worldwide Trip Protector Plus
150% of the trip cost Quote

Full Policy Wording

COVERAGE B

TRIP INTERRUPTION

Benefits will be paid, up to the lesser of a) the Maximum Benefit Amount shown in the Confirmation of Benefits; or b) 150% of the total amount of coverage You purchased, to reimburse You for the Prepaid Payments for unused non-refundable Travel Arrangements plus the Additional Transportation Cost paid:

a) to join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements by the most direct route possible to reach Your Trip destination (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket); or

b) to rejoin Your Trip or transport You to Your originally scheduled return destination, if You must interrupt Your Trip after departure, each by the most direct route possible. (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket)

Trip Interruption must be due to:

1. Your, Your Family Member’s, Your Traveling Companion’s, Your Traveling Companion’s Family Member, Your Business Partner’s or Your Business Partners Family Member’s death, which occurs while You are on Your Trip;

2. Your, Your Family Member’s, Your Traveling Companion’s, Your Traveling Companion’s Family Member, Your Business Partner’s or Your Business Partners Family Member’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b)requires Medical Treatment at the time of interruption resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and c) prevents Your continued participation on Your Trip;

3. For the Other Covered reasons listed below;

provided such circumstances occur while coverage is in effect.

Additional Trip Interruption Benefits:

If Your Traveling Companion must remain hospitalized, benefits will also be paid for reasonable accommodation, telephone call and local transportation expenses incurred by You to remain with Your Traveling Companion up to $200 per day, limited to 10 days.

If You cannot continue travel due to a covered Injury or Sickness not requiring hospitalization and You must extend Your Trip due to medically imposed restrictions, as certified by a Legally Qualified Physician, benefits will be paid for additional hotel nights, meal(s), telephone call and local transportation expenses.

If You interrupt Your Trip for a Covered reason, We will also reimburse You , up to $500, for the amount of unused, forfeited, non-refundable payments for shore excursions; theater, concert or event tickets or fees; or sightseeing if such arrangements are made during Your Trip and are to be used prior to the Scheduled return Date of Your Trip.

The maximum payable under this Trip Interruption Benefit is the lesser of 150% of the total amount of coverage You purchased or 150% of the Maximum Benefit Amount shown in the Confirmation of Benefits.

Single Supplement

Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for Prepaid Travel Arrangements if a Traveling Companion’s or Family Member’s Trip is interrupted for a Covered reason and You do not interrupt Your Trip.

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

“Other Covered Reasons” means:

a) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

b) Your or Your Traveling Companion’s primary place of residence or destination being rendered uninhabitable and remaining uninhabitable during Your scheduled Trip by fire, flood, burglary or other Natural Disaster. Your destination is uninhabitable if: (i) the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail, or flood; (iii) immediate safety hazards have yet to be cleared such as debris on roofs or downed electrical lines; or (iv) the rental property is without electricity or water. Benefits are not payable if a storm, snow storm, blizzard or hurricane is named on or before the Effective Date of Your Trip Cancellation coverage;

c) Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire, flood, burglary or other Natural Disaster and You and/or Your Traveling Companion are required to work as a result.

d) a documented theft of passports or visas;

e) a permanent transfer of employment of 250 miles or more by You or Your Traveling Companion by the employer from whom You or Your Traveling Companion are employed on Your Effective Date which requires Your or Your Traveling Companion’s principal residence to be relocated;

f) You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;

g) unannounced Strike that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You are scheduled to travel;

h) Inclement Weather that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You are scheduled to travel;

i) You or Your Traveling Companion or Your Family Member is in the military and called to emergency duty for a national disaster other than war;

j) involuntary employer termination or layoff of You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year;

k) a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip;

l) revocation of Your or Your Traveling Companion’s previously granted military leave or re-assignment. Official written revocation/re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;

m) Bankruptcy or Default of an airline, cruise line, tour operator or other travel provider (other than the Travel Supplier, tour operator, travel agency, organization or firm from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if the Policy has been purchased within 21 days of the date Your initial deposit/payment for Your Trip is received;

n) Your family or friends living abroad with whom You are planning to stay are unable to provide accommodations due to life threatening illness, life threatening injury or death of one of them;

o) You, Your Traveling Companion or a Family Member traveling with You is required to work during the Trip. A written statement by an unrelated company official and/or the human resources department demonstrating revocation of previously approved time off will be required. This provision is not applicable to temporary employment, independent contractors or self-employed persons;

p) Mandatory evacuation ordered by local government authorities at Your Trip destination (or official public evacuation notices or recommendations without a mandatory evacuation order issued) due to adverse weather or Natural Disaster;

q) felonious assault of You or Your Traveling Companion within 10 days of the Scheduled Departure Date;

r) You or Your Traveling Companion are directly involved in the merger of Your employer or the acquisition of Your employer by another company. You , Your Traveling Companion or Family Member cannot be a company owner or partner;

s) a cancellation of Your Trip within 48 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 14 days following Your Effective Date of coverage for the Trip Cancellation Benefits;

t) the primary or secondary school that You , Your Family Member or Traveling Companion attends extends its operating session beyond the predefined school year to fall within the period of the travel dates of Your Trip due to unforeseeable events which commence while Your coverage is in effect. Extensions due to extra-curricular or athletic events are not covered;

u) a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.

v) Your or Your Traveling Companion’s normal pregnancy or attending the childbirth of Your Family Member. The pregnancy must occur after the Policy Effective Date and be verified by medical records;

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

76 Travel Insured International
Worldwide Trip Protector
150% of the trip cost Quote

Full Policy Wording

COVERAGE B

TRIP INTERRUPTION

Benefits will be paid, up to the lesser of a) the Maximum Benefit Amount shown in the Confirmation of Benefits; or b) 150% of the total amount of coverage You purchased, to reimburse You for the Prepaid Payments for unused non-refundable Travel Arrangements plus the Additional Transportation Cost paid:

a) to join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements by the most direct route possible to reach Your Trip destination. (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket); or

b) to rejoin Your Trip or transport You to Your originally scheduled return destination, if You must interrupt Your Trip after departure, each by the most direct route possible. (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket)

Trip Interruption must be due to:

1. Your, Your Family Member’s, Your Traveling Companion’s, Your Traveling Companion’s Family Member, Your Business Partner’s or Your Business Partners Family Member’s death, which occurs while You are on Your Trip;

2. Your, Your Family Member’s, Your Traveling Companion’s, Your Traveling Companion’s Family Member, Your Business Partner’s or Your Business Partners Family Member’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b)requires Medical Treatment at the time of interruption resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and c) prevents Your continued participation on Your Trip;

3. For the Other Covered reasons listed below;

provided such circumstances occur while coverage is in effect.

Additional Trip Interruption Benefits:

If Your Traveling Companion must remain hospitalized, benefits will also be paid for reasonable accommodation, telephone call and local transportation expenses incurred by You to remain with Your Traveling Companion up to $200 per day, limited to 10 days.

If You cannot continue travel due to a covered Injury or Sickness not requiring hospitalization and You must extend Your Trip due to medically imposed restrictions, as certified by a Legally Qualified Physician, benefits will be paid for additional hotel nights, meal(s), telephone call and local transportation expenses.

If You interrupt Your Trip for a Covered reason, We will also reimburse You , up to $500, for the amount of unused, forfeited, non-refundable payments for shore excursions; theater, concert or event tickets or fees; or sightseeing if such arrangements are made during Your Trip and are to be used prior to the Scheduled return Date of Your Trip.

The maximum payable under this Trip Interruption Benefit is the lesser of 150% of the total amount of coverage You purchased or 150% of the Maximum Benefit Amount shown in the Confirmation of Benefits.

Single Supplement

Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for Prepaid Travel Arrangements if a Traveling Companion’s or Family Member’s Trip is interrupted for a Covered reason and You do not interrupt Your Trip. These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

“Other Covered Reasons” means:

a) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

b) Your or Your Traveling Companion’s primary place of residence or destination being rendered uninhabitable and remaining uninhabitable during Your scheduled Trip by fire, flood, burglary or other Natural Disaster. Your destination is uninhabitable if: (i) the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail, or flood; (iii) immediate safety hazards have yet to be cleared such as debris on roofs or downed electrical lines; or (iv) the rental property is without electricity or water. Benefits are not payable if a storm, snow storm, blizzard or hurricane is named on or before the Effective Date of Your Trip Cancellation coverage;

c) Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire, flood, burglary or other Natural Disaster and You and/or Your Traveling Companion are required to work as a result.

d) a documented theft of passports or visas;

e) a permanent transfer of employment of 250 miles or more by You or Your Traveling Companion by the employer from whom You or Your Traveling Companion are employed on Your Effective Date which requires Your or Your Traveling Companion’s principal residence to be relocated;

f) You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;

g) unannounced Strike that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You are scheduled to travel;

h) Inclement Weather that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You are scheduled to travel;

i) You or Your Traveling Companion or Your Family Member is in the military and called to emergency duty for a national disaster other than war;

j) involuntary employer termination or layoff of You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year;

k) a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip;

l) revocation of Your or Your Traveling Companion’s previously granted military leave or re-assignment. Official written revocation/re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;

m) Bankruptcy or Default of an airline, cruise line, tour operator or other travel provider (other than the Travel Supplier, tour operator, travel agency, organization or firm from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if the Policy has been purchased within 21 days of the date Your initial deposit/payment for Your Trip is received;

n) Your family or friends living abroad with whom You are planning to stay are unable to provide accommodations due to life threatening illness, life threatening injury or death of one of them;

o) You, Your Traveling Companion or Your Family Member traveling with You is required to work during the Trip. A written statement by an unrelated company official and/or the human resources department demonstrating revocation of previously approved time off will be required. This provision is not applicable to temporary employment, independent contractors or self-employed persons;

p) Mandatory evacuation ordered by local government authorities at Your Trip destination (or official public evacuation notices or recommendations without a mandatory evacuation order issued) due to adverse weather or Natural Disaster;

q) felonious assault of You or Your Traveling Companion within 10 days of the Scheduled Departure Date;

r) You or Your Traveling Companion are directly involved in the merger of Your employer or the acquisition of Your employer by another company. You , Your Traveling Companion or Family Member cannot be a company owner or partner;

s) a cancellation of Your Trip within 48 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 14 days following Your Effective Date of coverage for the Trip Cancellation Benefits;

t) the primary or secondary school that You , Your Family Member or Traveling Companion attends extends its operating session beyond the predefined school year to fall within the period of the travel dates of Your Trip due to unforeseeable events which commence while Your coverage is in effect. Extensions due to extra-curricular or athletic events are not covered;

u) a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.

v) Your or Your Traveling Companion’s normal pregnancy or attending the childbirth of Your Family Member. The pregnancy must occur after the Policy Effective Date and be verified by medical records;

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

77 Travelex Insurance Services
Flight Insure Multi-trip - AD&D Only
No coverage Quote

Full Policy Wording

There is no Trip Interruption coverage with this plan.

78 Travelex Insurance Services
Flight Insure Package Plan Multi-trip
No coverage Quote

Full Policy Wording

There is no Trip Interruption coverage with this plan.

79 Travelex Insurance Services
Flight Insure Plus - Flight AD&D Only
No coverage Quote

Full Policy Wording

There is no Trip Interruption coverage with this plan.

80 Travelex Insurance Services
Flight Insure Plus - Package Plan
No coverage Quote

Full Policy Wording

There is no Trip Interruption coverage with this plan.

81 Travelex Insurance Services
Travel Basic
100% of the trip cost Quote

Full Policy Wording

Post-Departure Trip Interruption Benefits

If you are unable to continue your Covered Trip for one of the Covered Reasons, we will reimburse you, less any refund paid or payable, for unused travel arrangements, plus the following:

1. the additional transportation expenses by the most direct route from the point you interrupted your Covered Trip: (a) to the next scheduled destination where you can catch up to your Covered Trip; or (b) to the final destination of your Covered Trip; or

2. the additional transportation expenses incurred by you by the most direct route to reach your original Covered Trip destination if you are delayed and leave after the Scheduled Departure Date; and

3. your additional cost as a result of a published change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Covered Trip is interrupted for a covered reason and your Covered Trip is continued; and

4. accommodations and transportation expenses up to $150/day for 5 additional days, not to exceed the maximum benefit amount shown on the Schedule, when a) your Traveling Companion is hospitalized or Injury or Sickness to you not requiring hospitalization prevents you from continuing travel; and b) you must extend your Covered Trip with additional hotel nights due to medically imposed restriction by a Physician.

However, the benefit payable under (1) and (2) above will not exceed the cost of a one-way economy air fare (or first class, if the original tickets were first class) by the most direct route less any refunds paid or payable for your unused original tickets.

We will also reimburse you for the cost incurred up to $250 to drive or transport your Covered Vehicle to your Home if: 1) you are using your Covered Vehicle on the Covered Trip; 2) the Covered Vehicle is with you at the place where the Covered Trip is interrupted; 3) the place where the Covered Trip is interrupted is 100 miles or more away from your Home, 4) you are unable to drive Home.

Covered Vehicle means a private passenger vehicle owned by or under long term lease (1 year or more) to you.

Trip Cancellation and Interruption Covered Reasons

Coverage is provided for the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy if there is a change in plans by you, a Family Member traveling with you, or Traveling Companion:

1. Sickness, Injury or death of you or your Traveling Companion and/or you or your Traveling Companion’s Family Member or Business Partner. The Sickness must commence while coverage is in effect, require the examination of a Physician, in person, at the time of Trip Cancellation or Trip Interruption and, in the written option of the treating Physician, be so disabling as to prevent you from taking or continuing your Covered Trip;

2. you become pregnant after the effective date of coverage (Trip Cancellation coverage only);

3. Common Carrier delays resulting from inclement weather, or mechanical breakdown or organized labor strikes that affect public transportation;

4. arrangements canceled by an airline, cruise line, motor coach company, or tour operator, resulting from inclement weather, mechanical breakdown or organized labor strikes that affect public transportation.

5. arrangements canceled by a tour operator, cruise line, airline, rental car company, hotel, condominium, railroad, motor coach company, or other supplier of travel services, resulting from Financial Insolvency;

6. being directly involved in a documented traffic accident while en route to departure;

7. being hijacked, kidnapped, quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, Family Member traveling with you or a Traveling Companion is not 1) a party to the legal action, or 2) appearing as a law enforcement officer;

8. your Home made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;

9. being called into active military service to provide aid or relief in the event of a natural disaster;

10. a documented theft of passports or visas;

11. a transfer of employment of 250 miles or more;

12. your involuntary termination of employment or layoff and was not under your control. You must have been continuously employed with the same employer for 1 year prior to the termination or layoff. This provision is not applicable to temporary employment, independent contractors or self-employed persons;

13. your host at destination is hospitalized or dies, provided you made previous arrangements to stay at the host’s personal residence during the Covered Trip.

82 Travelex Insurance Services
Travel Max
150% of the trip cost Quote

Full Policy Wording

Post-Departure Trip Interruption Benefits

If you are unable to continue your Covered Trip for one of the Covered Reasons, we will reimburse you, less any refund paid or payable, for unused travel arrangements, plus the following:

1. the additional transportation expenses by the most direct route from the point you interrupted your Covered Trip: (a) to the next scheduled destination where you can catch up to your Covered Trip; or (b) to the final destination of your Covered Trip; or

2. the additional transportation expenses incurred by you by the most direct route to reach your original Covered Trip destination if you are delayed and leave after the Scheduled Departure Date; and

3. your additional cost as a result of a published change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Covered Trip is interrupted for a Covered Reason and your Covered Trip is continued; and

4. accommodations and transportation expenses up to $150/day for 5 additional days, not to exceed the maximum benefit amount shown on the Schedule, when a) your Traveling Companion is hospitalized or Injury or Sickness to you not requiring hospitalization prevents you from continuing travel; and b) you must extend your Covered Trip with additional hotel nights due to medically imposed restriction by a Physician.

However, the benefit payable under (1) and (2) above will not exceed the cost of a one-way economy air fare (or first class, if the original tickets were first class) by the most direct route less any refunds paid or payable for your unused original tickets. We will also reimburse you for the cost incurred up to $250 to drive or transport your Covered Vehicle to your Home if: 1) you are using your Covered Vehicle on the Covered Trip; 2) the Covered Vehicle is with you at the place where the Covered Trip is interrupted; 3) the place where the Covered Trip is interrupted is 100 miles or more away from your Home, and 4) you are unable to drive Home.

Covered Vehicle means a private passenger vehicle owned by or under long term lease (1 year or more) to you.

Trip Cancellation and Interruption Covered Reasons

Coverage is provided for the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy if there is a change in plans by you, a Family Member traveling with you, or Traveling Companion:

1. Sickness, Injury or death of you or your Traveling Companion and/or you or your Traveling Companion’s Family Member, or Business Partner. The Sickness must commence while coverage is in effect, require the examination of a Physician, in person, at the time of Trip Cancellation or Trip Interruption and, in the written option of the treating Physician, be so disabling as to prevent you from taking or continuing your Covered Trip.

2. you become pregnant after the effective date of coverage (Trip Cancellation coverage only);

3. Common Carrier delays resulting from inclement weather, or mechanical breakdown or organized labor strikes that affect public transportation;

4. arrangements canceled by an airline, cruise line, motor coach company, or tour operator, resulting from inclement weather, mechanical breakdown or organized labor strikes that affect public transportation;

5. arrangements canceled by a tour operator, cruise line, airline, rental car company, hotel, condominium, railroad, motor coach company, or other supplier of travel services, resulting from Financial Insolvency;

6. being directly involved in a documented traffic accident while en route to departure;

7. being hijacked, kidnapped, quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, Family Member traveling with you or a Traveling Companion is not 1) a party to the legal action, or 2) appearing as a law enforcement officer;

8. your Home made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;

9. your destination made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;

10. mandatory evacuation ordered by local authorities at your destination due to hurricane or other natural disaster;

11. being called into active military service to provide aid or relief in the event of a natural disaster;

12. a documented theft of passports or visas;

13. a Terrorist Act which occurs in your departure city or in a city which is a scheduled destination for your Covered Trip provided the Terrorist Act occurs within 30 days of the Scheduled Departure Date for your Covered Trip or during your Covered Trip;

14. a cancellation of your Covered Trip if your arrival on the Covered Trip is delayed and causes you to lose 50% or more the scheduled Covered Trip duration due to the reasons covered under the Covered Trip Delay Benefit;

15. a transfer of employment of 250 miles or more;

16. your involuntary termination of employment or layoff and was not under your control. You must have been continuously employed with the same employer for 1 year prior to the termination or layoff. This provision is not applicable to temporary employment, independent contractors or self-employed persons;

17. your host at destination is hospitalized or dies, provided you made previous arrangements to stay at the host’s personal residence during the Covered Trip;

18. you or your Traveling Companion is required to work during the Covered Trip. A notarized written statement by a company officer and/or the Human Resources department demonstrating revocation of previously approved time off will be required. If employed as a contractor, you will need to provide proof of new contract signed or extended contract for coverage to apply. If self-employed, verification of self-employment and scheduled work related activities will need to be provided at time of claim;

19. you or your Traveling Companion’s place of employment is rendered unsuitable for business due to burglary, fire, flood, volcano, earthquake, hurricane, or other natural disaster and the Insured or Traveling Companion is required to work as a result;

20. you or your Traveling Companion is directly involved in the merger of his or her employer or the acquisition of his or her employer by another company;

21. you or your Traveling Companion have a previously approved military leave revoked or experience a military re-assignment.

Items #18 through #21 are subject to the following condition: the protection plan must be purchased prior to or within 30 days of initial payment for the Covered Trip.

83 Travelex Insurance Services
Travel Select
150% of the trip cost Quote

Full Policy Wording

Post-Departure Trip Interruption Benefits

If you are unable to continue your Covered Trip for one of the Covered Reasons, we will reimburse you, less any refund paid or payable, for unused travel arrangements, plus the following:

1. the additional transportation expenses by the most direct route from the point you interrupted your Covered Trip: (a) to the next scheduled destination where you can catch up to your Covered Trip; or (b) to the final destination of your Covered Trip; or

2. the additional transportation expenses incurred by you by the most direct route to reach your original Covered Trip destination if you are delayed and leave after the Scheduled Departure Date; and

3. your additional cost as a result of a published change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Covered Trip is interrupted for a Covered Reason and your Covered Trip is continued; and

4. accommodations and transportation expenses up to $150/day for 5 additional days, not to exceed the maximum benefit amount shown on the Schedule, when a) your Traveling Companion is hospitalized or Injury or Sickness to you not requiring hospitalization prevents you from continuing travel; and b) you must extend your Covered Trip with additional hotel nights due to medically imposed restriction by a Physician.

However, the benefit payable under (1) and (2) above will not exceed the cost of a one-way economy air fare (or first class, if the original tickets were first class) by the most direct route less any refunds paid or payable for your unused original tickets.

We will also reimburse you for the cost incurred up to $250 to drive or transport your Covered Vehicle to your Home if: 1) you are using your Covered Vehicle on the Covered Trip; 2) the Covered Vehicle is with you at the place where the Covered Trip is interrupted; 3) the place where the Covered Trip is interrupted is 100 miles or more away from your Home, and 4) you are unable to drive Home.

Covered Vehicle means a private passenger vehicle owned by or under long term lease (1 year or more) to you.

Trip Cancellation and Interruption Covered Reasons

Coverage is provided for the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy if there is a change in plans by you, a Family Member traveling with you, or Traveling Companion:

1. Sickness, Injury or death of you or your Traveling Companion and/or you or your Traveling Companion’s Family Member or Business Partner. The Sickness must commence while coverage is in effect, require the examination of a Physician, in person, at the time of Trip Cancellation or Trip Interruption and, in the written opinion of the treating Physician, be so disabling as to prevent you from taking or continuing your Covered Trip;

2. you become pregnant after the effective date of coverage (Trip Cancellation coverage only);

3. Common Carrier delays resulting from inclement weather, or mechanical breakdown or organized labor strikes that affect public transportation;

4. arrangements canceled by an airline, cruise line, motor coach company, or tour operator, resulting from inclement weather, mechanical breakdown or organized labor strikes that affect public transportation;

5. arrangements canceled by a tour operator, cruise line, airline, rental car company, hotel, condominium, railroad, motor coach company, or other supplier of travel services, resulting from Financial Insolvency;

6. being directly involved in a documented traffic accident while en route to departure;

7. being hijacked, kidnapped, quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, Family Member traveling with you or a Traveling Companion is not 1) a party to the legal action, or 2) appearing as a law enforcement officer;

8. your Home made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;

9. your destination made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;

10. mandatory evacuation ordered by local authorities at your destination due to hurricane or other natural disaster;

11. being called into active military service to provide aid or relief in the event of a natural disaster;

12. a documented theft of passports or visas;

13. a Terrorist Act which occurs in your departure city or in a city which is a scheduled destination for your Covered Trip provided the Terrorist Act occurs within 30 days of the Scheduled Departure Date for your Covered Trip or during your Covered Trip;

14. a cancellation of your Covered Trip if your arrival on the Covered Trip is delayed and causes you to lose 50% or more of the scheduled Covered Trip duration due to the reasons covered under the Covered Trip Delay Benefit;

15. a transfer of employment of 250 miles or more;

16. your involuntary termination of employment or layoff and was not under your control. You must have been continuously employed with the same employer for 1 year prior to the termination or layoff. This provision is not applicable to temporary employment, independent contractors or self-employed persons;

17. your host at destination is hospitalized or dies, provided you made previous arrangements to stay at the host’s personal residence during the Covered Trip.

84 TravelSafe
Basic
100% of the trip cost Quote

Full Policy Wording

Trip Cancellation: Benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, to cover You for the unused non-refundable prepaid expenses for Travel Arrangements, including up to $150 for the cost of airline-imposed fees to rebank frequent flyer miles for air flights to join Your Trip when You are prevented from taking Your Trip due to:

1. Death involving You or Your Traveling Companion or Your or Your Traveling Companion’s Business Partner or Your Family Member;

2. A covered Sickness or Injury involving You, Your Traveling Companion or Business Partner, or Your Family Member which necessitates Medical Treatment at the time of cancellation and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents Your participation in the Trip; or

3. For the Other Covered Reasons listed below;

provided such circumstances occurred after Your Effective Date.

Trip Interruption: Benefits will be paid, up to the Maximum Benefit Amount, for the non-refundable, unused portion of the prepaid expenses for land or water Travel Arrangements and the Additional Transportation Cost paid to return home or rejoin the Trip, when You are prevented from completing Your Trip due to:

1. Death involving You or Your Traveling Companion or Your or Your Traveling Companion’s Business Partner or Your Family Member;

2. A covered Sickness or Injury involving You, Your Traveling Companion or Business Partner, or Your Family Member which necessitates Medical Treatment at the time of interruption and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents Your continued participation in the Trip; or

3. For the Other Covered Reasons listed below;

provided such circumstances occurred after Your Effective Date.

Other Covered Reasons means:

a) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date) served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

b) Your or Your Traveling Companion’s principal place of residence or destination being rendered uninhabitable by fire, flood, burglary or other natural disaster within 10 days of departure;

c) a documented theft of passports or visas;

d) a permanent transfer of employment of 250 miles or more;

e) You or Your Traveling Companion being directly involved in a traffic accident, which must be substantiated by a police report, while en route to Your scheduled point of departure;

f) unannounced Strike that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;

g) Inclement Weather that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;

h) mechanical breakdown that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;

i) You or Your Traveling Companion is in the Military and called to emergency duty for a national disaster other than war;

j) a Terrorist Incident that occurs in a city listed on the itinerary of Your Trip and within 30 days prior to Your Scheduled Departure Date. Benefits are not provided if the Travel Supplier offers a substitute itinerary.

Additional Trip Interruption Benefits: If Your Traveling Companion must remain hospitalized, benefits will also be paid for reasonable accommodation and transportation expenses incurred by You to remain with Your Traveling Companion up to $100 per day, limited to 5 days.

If You cannot continue travel due to a covered Injury or Sickness not requiring hospitalization, and You must extend Your Trip due to medically imposed restrictions, as certified by a Legally Qualified Physician, benefits will be paid for additional hotel nights up to $100 per day, limited to 5 days.

If there is no Trip cost insured, the Trip Interruption Benefit will be limited to a maximum amount of $500.

For Trip Cancellation or Interruption: Trip Cancellation:

The maximum payable under this benefit is the lesser of a) the Maximum Benefit Amount shown in the Confirmation of Benefits; or b) the total amount of coverage You purchased.

Trip Interruption: The maximum payable under this benefit is the lesser of a) the Maximum Benefit Amount shown in the Confirmation of Benefits; or b) 100% of the total amount of coverage You purchased.

Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for prepaid Travel Arrangements if Your Family Member or Traveling Companion has his/her Trip delayed, canceled or interrupted for a covered reason and You do not cancel.

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

85 TravelSafe
Classic
150% of the trip cost Quote

Full Policy Wording

Trip Cancellation: Benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, to cover You for the unused non-refundable prepaid expenses for Travel Arrangements, including up to $150 for the cost of airline-imposed fees to rebank frequent flyer miles for air flights to join Your Trip when You are prevented from taking Your Trip due to:

1. Death involving You or Your Traveling Companion or Your or Your Traveling Companion’s Business Partner or Your Family Member;

2. A covered Sickness or Injury involving You, Your Traveling Companion or Business Partner, or Your Family Member which necessitates Medical Treatment at the time of cancellation and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents Your participation in the Trip; or

3. For the Other Covered Reasons listed below;

provided such circumstances occurred after Your Effective Date.

Trip Interruption: Benefits will be paid, up to the Maximum Benefit Amount, for the non-refundable, unused portion of the prepaid expenses for land or water Travel Arrangements and the Additional Transportation Cost paid to return home or rejoin the Trip, when You are prevented from completing Your Trip due to:

1. Death involving You or Your Traveling Companion or Your or Your Traveling Companion’s Business Partner or Your Family Member;

2. A covered Sickness or Injury involving You, Your Traveling Companion or Business Partner, or Your Family Member which necessitates Medical Treatment at the time of interruption and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents Your continued participation in the Trip; or

3. For the Other Covered Reasons listed below;

provided such circumstances occurred after Your Effective Date.

Other Covered Reasons means:

a) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date) served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

b) Your or Your Traveling Companion’s principal place of residence or destination being rendered uninhabitable by fire, flood, burglary or other natural disaster within 10 days of departure;

c) Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire, flood, burglary or other natural disaster and You and/or Your Traveling Companion are required to work as a result;

d) a documented theft of passports or visas;

e) a permanent transfer of employment of 250 miles or more;

f) You or Your Traveling Companion being directly involved in a traffic accident, which must be substantiated by a police report, while en route to Your scheduled point of departure;

g) unannounced Strike that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;

h) Inclement Weather that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;

i) mechanical breakdown that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;

j) You or Your Traveling Companion is in the Military and called to emergency duty for a national disaster other than war;

k) involuntary employer termination or layoff affecting You or a person(s) sharing the same room with You during Your Trip. Employment must have been with the same employer for at least 1 continuous year;

l) a Terrorist Incident that occurs in a city listed on the itinerary of Your Trip and within 30 days prior to Your Scheduled Departure Date. Benefits are not provided if the Travel Supplier offers a substitute itinerary;

m) revocation of Your previously granted leave or re- assignment due to war. Official written revocation/ re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;

n) Bankruptcy or Default of an airline, cruise line, tour operator or travel supplier (other than the tour operator or travel agency from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if the policy has been purchased within 21 days of Your initial payment for the Trip and for the full cost of the Trip;

o) Your family or friends living abroad with whom You were planning to stay are unable to provide accommodations due to life threatening illness, life threatening injury or death of one of them;

p) You or Your Traveling Companion are required to work during the Trip. A written statement by a company officer and/or the Human Resources department demonstrating revocation of previously approved time off will be required;

q) mandatory evacuation or public official evacuation advisements where there is no mandatory evacuation issued by local government authorities at Your destination due to adverse weather or natural disaster. In order to cancel Your Trip, You must have 4 days or 50% of Your total Trip length or less remaining on Your Trip at the time the mandatory evacuation ends;

r) felonious assault of You or Your Traveling Companion within 10 days of the Scheduled Departure Date;

s) You or Your Traveling Companion are directly involved in the merger of Your employer or the acquisition of Your employer by another company;

t) a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 15 days following Your Effective Date of coverage for the Trip Cancellation Benefits;

u) a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.

Additional Trip Interruption Benefits: If Your Traveling Companion must remain hospitalized, benefits will also be paid for reasonable accommodation and transportation expenses incurred by You to remain with Your Traveling Companion up to $150 per day, limited to 5 days.

If You cannot continue travel due to a covered Injury or Sickness not requiring hospitalization, and You must extend Your Trip due to medically imposed restrictions, as certified by a Legally Qualified Physician, benefits will be paid for additional hotel nights up to $150 per day, limited to 5 days.

If You interrupt Your Trip for a covered reason, We will also reimburse You, up to $300, for the amount of unused, forfeited, non-refundable payments for shore excursions; theater, concert or event tickets or fees; or sightseeing if such arrangements are made during Your Trip and are to be used prior to the Scheduled Return Date of Your Trip.

For Trip Cancellation or Interruption:

Trip Cancellation: The maximum payable under this benefit is the lesser of a) the Maximum Benefit Amount shown in the Confirmation of Benefits; or b) the total amount of coverage You purchased.

Benefits will be paid, up to $150, for the cost of an airline- imposed change or reissue fee if Your Trip is canceled by a Travel Supplier of land or water Travel Arrangements.

Trip Interruption:

The maximum payable under this benefit is the lesser of a) the Maximum Benefit Amount shown in the Confirmation of Benefits; or b) 150% of the total amount of coverage You purchased.

Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for prepaid Travel Arrangements if Your Family Member or Traveling Companion has his/her Trip delayed, canceled or interrupted for a covered reason and You do not cancel.

In the event a cruise/tour supplier makes a change in Your Trip itinerary after Your Scheduled Departure Date, which prevents You from participating in an event/activity prepaid prior to departure and scheduled on Your Trip itinerary, non-refundable prepaid event/activity expenses will be payable up to $250. Benefits will not be paid if a comparable event/activity of equivalent cost is rescheduled during the course of the Trip.

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

If there is no Trip cost insured, the Trip Interruption Benefit will be limited to a maximum amount of $1,000.

86 TravelSafe
Classic Plus
150% of the trip cost Quote

Full Policy Wording

Trip Cancellation: Benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, to cover You for the unused non-refundable prepaid expenses for Travel Arrangements, including up to $150 for the cost of airline-imposed fees to rebank frequent flyer miles for air flights to join Your Trip when You are prevented from taking Your Trip due to:

1. Death involving You or Your Traveling Companion or Your or Your Traveling Companion’s Business Partner or Your Family Member;

2. A covered Sickness or Injury involving You, Your Traveling Companion or Business Partner, or Your Family Member which necessitates Medical Treatment at the time of cancellation and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents Your participation in the Trip; or

3. For the Other Covered Reasons listed below;

provided such circumstances occurred after Your Effective Date.

Trip Interruption: Benefits will be paid, up to the Maximum Benefit Amount, for the non-refundable, unused portion of the prepaid expenses for land or water Travel Arrangements and the Additional Transportation Cost paid to return home or rejoin the Trip, when You are prevented from completing Your Trip due to:

1. Death involving You or Your Traveling Companion or Your or Your Traveling Companion’s Business Partner or Your Family Member;

2. A covered Sickness or Injury involving You, Your Traveling Companion or Business Partner, or Your Family Member which necessitates Medical Treatment at the time of interruption and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents Your continued participation in the Trip; or

3. For the Other Covered Reasons listed below;

provided such circumstances occurred after Your Effective Date.

Other Covered Reasons means:

a) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date) served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

b) Your or Your Traveling Companion’s principal place of residence or destination being rendered uninhabitable by fire, flood, burglary or other natural disaster within 10 days of departure;

c) Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire, flood, burglary or other natural disaster and You and/or Your Traveling Companion are required to work as a result;

d) a documented theft of passports or visas;

e) a permanent transfer of employment of 250 miles or more;

f) You or Your Traveling Companion being directly involved in a traffic accident, which must be substantiated by a police report, while en route to Your scheduled point of departure;

g) unannounced Strike that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;

h) Inclement Weather that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;

i) mechanical breakdown that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;

j) You or Your Traveling Companion is in the Military and called to emergency duty for a national disaster other than war;

k) involuntary employer termination or layoff affecting You or a person(s) sharing the same room with You during Your Trip. Employment must have been with the same employer for at least 1 continuous year;

l) a Terrorist Incident that occurs in a city listed on the itinerary of Your Trip and within 30 days prior to Your Scheduled Departure Date. Benefits are not provided if the Travel Supplier offers a substitute itinerary;

m) revocation of Your previously granted leave or re- assignment due to war. Official written revocation/ re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;

n) Bankruptcy or Default of an airline, cruise line, tour operator or travel supplier (other than the tour operator or travel agency from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if the policy has been purchased within 21 days of Your initial payment for the Trip and for the full cost of the Trip;

o) Your family or friends living abroad with whom You were planning to stay are unable to provide accommodations due to life threatening illness, life threatening injury or death of one of them;

p) You or Your Traveling Companion are required to work during the Trip. A written statement by a company officer and/or the Human Resources department demonstrating revocation of previously approved time off will be required;

q) mandatory evacuation or public official evacuation advisements where there is no mandatory evacuation issued by local government authorities at Your destination due to adverse weather or natural disaster. In order to cancel Your Trip, You must have 4 days or 50% of Your total Trip length or less remaining on Your Trip at the time the mandatory evacuation ends;

r) felonious assault of You or Your Traveling Companion within 10 days of the Scheduled Departure Date;

s) You or Your Traveling Companion are directly involved in the merger of Your employer or the acquisition of Your employer by another company;

t) a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 15 days following Your Effective Date of coverage for the Trip Cancellation Benefits;

u) a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.

Additional Trip Interruption Benefits: If Your Traveling Companion must remain hospitalized, benefits will also be paid for reasonable accommodation and transportation expenses incurred by You to remain with Your Traveling Companion up to $150 per day, limited to 5 days.

If You cannot continue travel due to a covered Injury or Sickness not requiring hospitalization, and You must extend Your Trip due to medically imposed restrictions, as certified by a Legally Qualified Physician, benefits will be paid for additional hotel nights up to $150 per day, limited to 5 days.

If You interrupt Your Trip for a covered reason, We will also reimburse You, up to $300, for the amount of unused, forfeited, non-refundable payments for shore excursions; theater, concert or event tickets or fees; or sightseeing if such arrangements are made during Your Trip and are to be used prior to the Scheduled Return Date of Your Trip.

For Trip Cancellation or Interruption:

Trip Cancellation: The maximum payable under this benefit is the lesser of a) the Maximum Benefit Amount shown in the Confirmation of Benefits; or b) the total amount of coverage You purchased.

Benefits will be paid, up to $150, for the cost of an airline- imposed change or reissue fee if Your Trip is canceled by a Travel Supplier of land or water Travel Arrangements.

Trip Interruption: The maximum payable under this benefit is the lesser of a) the Maximum Benefit Amount shown in the Confirmation of Benefits; or b) 150% of the total amount of coverage You purchased.

Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for prepaid Travel Arrangements if Your Family Member or Traveling Companion has his/her Trip delayed, canceled or interrupted for a covered reason and You do not cancel.

In the event a cruise/tour supplier makes a change in Your Trip itinerary after Your Scheduled Departure Date, which prevents You from participating in an event/activity prepaid prior to departure and scheduled on Your Trip itinerary, non-refundable prepaid event/activity expenses will be payable up to $250. Benefits will not be paid if a comparable event/activity of equivalent cost is rescheduled during the course of the Trip.

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

If there is no Trip cost insured, the Trip Interruption Benefit will be limited to a maximum amount of $2,000.

87 Trawick International
Safe Travels USA
$5,000 per person Return transportation only Quote

Full Policy Wording

Trip Interruption Benefit

Up to $5,000 maximum for reimbursement of the cost of one way economy air and/or ground transportation ticket if your Trip is interrupted as the result of: 1. the death of an Family Member; or 2. your unforeseen Injury or Sickness or, the Injury or Sickness of a Traveling Companion or Family Member. The Injury or Sickness must be so disabling as to reasonably cause a Trip to be interrupted; or 3. substantial destruction of your principal residence by fire or weather related activity; or 4. a Medically Necessary covered Emergency Medical Evacuation to return you to your Home Country or to the area from which you were initially evacuated for continued treatment, recuperation and recovery.

88 Trawick International
Safe Travels International excl US
$7,500 per person Return transportation only Quote

Full Policy Wording

Trip Interruption Benefit – up to $7,500 maximum for reimbursement of the cost of one way economy air and/or ground transportation ticket if your Trip is interrupted as the result of: 1. the death of an Family Member; or 2. your unforeseen Injury or Sickness or, the Injury or Sickness of a Traveling Companion or Family Member. The Injury or Sickness must be so disabling as to reasonably cause a Trip to be interrupted; or 3. substantial destruction of your principal residence by fire or weather related activity; or 4. a Medically Necessary covered Emergency Medical Evacuation to return you to your Home Country or to the area from which you were initially evacuated for continued treatment, recuperation and recovery.

89 Trawick International
Safe Travels USA Trip Protection
150% of the trip cost Quote

Full Policy Wording

Trip Cancellation and Trip Interruption Benefit – up to 100% of the Insured Trip Cost for Cancellation from $ 250 up to $10,000 and 150% of the Insured trip Cost from $375 up to $15,000 in respect of loss of travel and accommodation expenses paid or contracted to be paid as a result of the Covered Trip being necessarily and unavoidably cancelled or interrupted due to any of the following causes commencing and occurring during the Period of Insurance provided such expenses are not recoverable from any other source:

1. Sickness, Injury or death of an Insured, Family Member, Traveling Companion, or Business Partner when: a) Injury or Sickness of an Insured, Family Member, or Traveling Companion traveling with the Insured must be so disabling as to reasonably cause a Trip to be cancelled or interrupted, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip; b) If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of a Family Member not traveling with the Insured, it must be because their condition is life-threatening, as certified by a Physician or because they require the Insured’s care; or c) Injury or Sickness of the Business Partner must be so disabling as to reasonably cause the Insured to cancel or interrupt the Trip to assume daily management of the business. A Physician must certify the Injury or Sickness.

2. Sickness, Injury, death or hospitalization of the Insured’s Host at Destination. A Physician must certify the Injury or Sickness;

3. Financial Default of an airline, cruise line, or tour operator provided the Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation. There is no coverage for the Financial Default of any person, organization, agency, or firm from whom the Insured purchased travel arrangements supplied by others. This coverage applies only if this insurance was purchased within 30 calendar days of Final Trip Payment;

4. Strike resulting in complete cessation of travel services at the point of departure or Destination;

5. the Insured’s Primary Residence or the Insured’s Destination being made Inaccessible or Uninhabitable by Natural Disaster, vandalism, or burglary; The Insurer will only pay benefits for losses occurring within 30 calendar days after the named hurricane makes the Insured’s Destination Inaccessible or Uninhabitable. Benefits are not payable if a hurricane is named on or before the effective date of the Insured’s Trip Cancellation coverage.

6. the Insured, or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;

7. the Insured or Traveling Companion is called to active military service or military leave is revoked or reassigned;

8. a terrorist incident, in a city listed on the Insured’s itinerary, within 30 days of the Insured’s scheduled arrival;

9. mechanical/equipment failure of a Common Carrier that occurs on a scheduled Trip and causes complete cessation of the Insured’s travel and results of a Loss of 50% of the Insured’s Trip length;

10. the Insured or Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least one year. Termination must occur during the Pre Departure Period of Insurance. This provision is not applicable to temporary employment, independent contractors or self-employed persons.

11.Pre existing Conditions, as defined, if purchased within 30 days of Final Trip Payment.

90 Trawick International
Safe Travels International Trip Protection excl US
150% of the trip cost Quote

Full Policy Wording

Trip Cancellation and Trip Interruption Benefit – up to 100% of the Insured Trip Cost for Cancellation from $250 up to $ 25,000 and 150% of the Insured trip Cost from $375 up to $37,500 in respect of loss of travel and accommodation expenses paid or contracted to be paid as a result of the Covered Trip being necessarily and unavoidably cancelled or interrupted due to any of the following causes commencing and occurring during the Period of Insurance provided such expenses are not recoverable from any other source:

1. Sickness, Injury or death of an Insured, Family Member, Traveling Companion, or Business Partner when: a) Injury or Sickness of an Insured, Family Member, or Traveling Companion traveling with the Insured must be so disabling as to reasonably cause a Trip to be cancelled or interrupted, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip; b) If the Insured must cancel or interrupt his/her Trip due to Injury or Sickness of a Family Member not traveling with the Insured, it must be because their condition is life-threatening, as certified by a Physician or because they require the Insured’s care; or c) Injury or Sickness of the Business Partner must be so disabling as to reasonably cause the Insured to cancel or interrupt the Trip to assume daily management of the business. A Physician must certify the Injury or Sickness.

2. Sickness, Injury, death or hospitalization of the Insured’s Host at Destination. A Physician must certify the Injury or Sickness;

3. Financial Default of an airline, cruise line, or tour operator provided the Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation. There is no coverage for the Financial Default of any person, organization, agency, or firm from whom the Insured purchased travel arrangements supplied by others. This coverage applies only if this insurance was purchased within 30 calendar days of Final Trip Payment;

4. Strike resulting in complete cessation of travel services at the point of departure or Destination;

5. the Insured’s Primary Residence or the Insured’s Destination being made Inaccessible or Uninhabitable by Natural Disaster, vandalism, or burglary; The Insurer will only pay benefits for losses occurring within 30 calendar days after the named hurricane makes the Insured’s Destination Inaccessible or Uninhabitable. Benefits are not payable if a hurricane is named on or before the effective date of the Insured’s Trip Cancellation coverage.

6. the Insured, or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;

7. the Insured or Traveling Companion is called to active military service or military leave is revoked or reassigned;

8. a terrorist incident, in a city listed on the Insured’s itinerary, within 30 days of the Insured’s scheduled arrival;

9. mechanical/equipment failure of a Common Carrier that occurs on a scheduled Trip and causes complete cessation of the Insured’s travel and results of a Loss of 50% of the Insured’s Trip length;

10. the Insured or Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least one year. Termination must occur during the Pre Departure Period of Insurance. This provision is not applicable to temporary employment, independent contractors or self-employed persons.

11.Pre existing Conditions, as defined, if purchased within 30 days of Final Trip Payment.

91 Trawick International
Safe Travels International Cost Saver excl US
$7,500 per person Return transportation only Quote

Full Policy Wording

Trip Interruption Benefit -

Up to $7,500 maximum for reimbursement of the cost of one way economy air and/or ground transportation ticket if your Trip is interrupted as the result of:

1. the death of a Family Member; or

2. your unforeseen Injury or Sickness or, the Injury or Sickness of a Traveling Companion or Family Member. The Injury or Sickness must be so disabling as to reasonably cause a Trip to be interrupted; or

3. substantial destruction of your principal residence by fire or weather related activity; or

4. a Medically Necessary covered Emergency Medical Evacuation to return you to your Home Country or to the area from which you were initially evacuated for continued treatment, recuperation and recovery. This does not cover Trip costs.

92 Trawick International
Safe Travels USA Cost Saver
$5,000 per person Return transportation only Quote

Full Policy Wording

Trip Interruption Benefit -

Up to $5,000 maximum for reimbursement of the cost of one way economy air and/or ground transportation ticket only, if your Trip is interrupted as the result of:

1. the death of an Family Member; or

2. your unforeseen Injury or Sickness or, the Injury or Sickness of a Traveling Companion or Family Member. The Injury or Sickness must be so disabling as to reasonably cause a Trip to be interrupted; or

3. substantial destruction of your principal residence by fire or weather related activity; or

4. a Medically Necessary covered Emergency Medical Evacuation to return you to your Home Country or to the area from which you were initially evacuated for continued treatment, recuperation and recovery.

This benefit does not cover lost trip costs.

93 USA-ASSIST Worldwide Protection
Global Travel Medical Diamond
$5,000 per person Return transportation only Quote

Full Policy Wording

INTERRUPTION OF TRIP

If You are unable to continue the trip due to the death of an Immediate Family member (parent, spouse, sibling or child) or due to serious damage to Your principal residence from fire, flood or similar natural disaster (tornado, earthquake, hurricane, etc.), the plan will reimburse You up to the maximum stated in the Schedule of Benefits for the cost of economy travel, less the value of applied credit from an unused return travel ticket, to return You home to Your area of principal residence. This benefit must be approved by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

94 USA-ASSIST Worldwide Protection
Global Travel Medical Executive
$5,000 per person Return transportation only Quote

Full Policy Wording

INTERRUPTION OF TRIP

If You are unable to continue the trip due to the death of an Immediate Family member (parent, spouse, sibling or child) or due to serious damage to Your principal residence from fire, flood or similar natural disaster (tornado, earthquake, hurricane, etc.), the plan will reimburse You up to the maximum stated in the Schedule of Benefits for the cost of economy travel, less the value of applied credit from an unused return travel ticket, to return You home to Your area of principal residence. This benefit must be approved by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

95 USA-ASSIST Worldwide Protection
Global Travel Medical Gold
$5,000 per person Return transportation only Quote

Full Policy Wording

INTERRUPTION OF TRIP

If You are unable to continue the trip due to the death of an Immediate Family member (parent, spouse, sibling or child) or due to serious damage to Your principal residence from fire, flood or similar natural disaster (tornado, earthquake, hurricane, etc.), the plan will reimburse You up to the maximum stated in the Schedule of Benefits for the cost of economy travel, less the value of applied credit from an unused return travel ticket, to return You home to Your area of principal residence. This benefit must be approved by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

96 USA-ASSIST Worldwide Protection
Global Travel Medical Platinum
$5,000 per person Return transportation only Quote

Full Policy Wording

INTERRUPTION OF TRIP

If You are unable to continue the trip due to the death of an Immediate Family member (parent, spouse, sibling or child) or due to serious damage to Your principal residence from fire, flood or similar natural disaster (tornado, earthquake, hurricane, etc.), the plan will reimburse You up to the maximum stated in the Schedule of Benefits for the cost of economy travel, less the value of applied credit from an unused return travel ticket, to return You home to Your area of principal residence. This benefit must be approved by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

97 USA-ASSIST Worldwide Protection
Global Travel Medical Standard
$5,000 per person Return transportation only Quote

Full Policy Wording

INTERRUPTION OF TRIP

If You are unable to continue the trip due to the death of an Immediate Family member (parent, spouse, sibling or child) or due to serious damage to Your principal residence from fire, flood or similar natural disaster (tornado, earthquake, hurricane, etc.), the plan will reimburse You up to the maximum stated in the Schedule of Benefits for the cost of economy travel, less the value of applied credit from an unused return travel ticket, to return You home to Your area of principal residence. This benefit must be approved by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

98 USA-ASSIST Worldwide Protection
Global Travel Medical Titanium
$5,000 per person Return transportation only Quote

Full Policy Wording

INTERRUPTION OF TRIP

If You are unable to continue the trip due to the death of an Immediate Family member (parent, spouse, sibling or child) or due to serious damage to Your principal residence from fire, flood or similar natural disaster (tornado, earthquake, hurricane, etc.), the plan will reimburse You up to the maximum stated in the Schedule of Benefits for the cost of economy travel, less the value of applied credit from an unused return travel ticket, to return You home to Your area of principal residence. This benefit must be approved by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

99 USA-ASSIST Worldwide Protection
GlobalTrip Classic
100% of the trip cost Limitations apply Quote

Full Policy Wording

TRIP CANCELLATION

You have benefits in the amount purchased* for unused non-refundable prepaid expenses for travel arrangements, whenever you are prevented from taking a trip for any of the following reasons that occur after the effective date of your protection plan:

1. Specified sickness, injury or death of You, Your traveling companion, business partner or family member of either You or Your traveling companion that results in medically imposed restrictions as certified by a legally qualified physician at the time of loss, preventing your continued participation in the trip.

2. Strike that causes complete cessation of services of your common carrier for at least 48 consecutive hours.

3. Weather that causes complete cessation of services of your common carrier for at least 48 consecutive hours.

4. Employer termination or layoff affecting You or a person sharing the same room. Employment must have been with the same employer for at least three continuous years.

5. Terrorism. The Terrorist Incident must occur in a city listed on Your itinerary within 30 days prior to Your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the 90 days prior to the Terrorist Incident, which is causing Your cancellation. Benefits are not provided if Your Travel Supplier offers a substitute itinerary.

6. Hijack, quarantine, jury duty or court ordered appearance as a witness in a legal action in which You or Your traveling companion are not a party (except law enforcement officers).

7. Primary residence of You or Your traveling companion is rendered uninhabitable due to unforeseen circumstances.

8. Burglary of You or Your traveling companion’s primary residence within 10 days of departure or during your trip.

9. Felonious assault of You or Your traveling companion within 10 days of departure or during your trip.

10. You or Your traveling companion are called to emergency military duty for a national disaster other than war.

11. Traffic accident directly involving either You or Your traveling companion, substantiated by a police report, while in route to a scheduled departure point.

12. If your travel supplier cancels your trip, you will receive up to US$ 75 for the reissue fee charged by the airline for your tickets. You must cover the full cost of the trip.

*Please note that the full cost of the trip must be declared and informed in the purchase form, up to a maximum of US$ 20,000 per person. Otherwise, in case of a Trip Cancellation or Trip Interruption claim, benefit will be settled proportionally to the declared trip cost amount (pro-rata). If Airline tickets are paid with award miles, the cost of issuing the ticket and taxes paid must be included in the full declared cost of the trip.

All cancellations events must be reported to the Travel Supplier and to our Claims Administrator within 72 hours of the event causing the need to cancel. If the event delays the reporting of the cancellation beyond the 72 hours, report the event as soon as possible. All other delays of reporting beyond 72 hours will result in reduced benefit payments.

TRIP INTERRUPTION

If You are prevented from completing a Trip for any of the reasons listed under the Trip Cancellation section above that occurs after Your Protection Plan Effective Date and after the departure date of the Trip, You are eligible up to the benefit amount purchased under Trip Cancellation* for:

1. Any unused non-refundable prepaid expenses for Travel Arrangements;

2. Return air: One way Economy Transportation to return to Your original destination or rejoin Your Trip less the value of the original unused return travel ticket;

3. Accommodations and transportation expenses for up to US$ 150 per day for 10 additional days when a Traveling Companion must remain hospitalized or an Injury or Sickness not requiring hospitalization prevents You from continuing travel and You must extend Your Trip with additional hotel nights due to medically imposed restrictions on a Traveling Companion as certified by a Legally Qualified Physician.

4. Single supplement upgrade – You are eligible for benefits when Your Traveling Companion cancels or interrupts a trip for a specified reason and You do not.

*In case you have purchased a PD / Post Departure plan (not including “Trip Cancellation” benefit), “Trip Interruption” benefit will be limited to the unused non- refundable prepaid cost of a one way Economy Transportation to return to Your original destination or rejoin Your Trip less the value of the original unused return travel ticket, up to US$ 1,500 per person, US$ 5,000 maximum limit.

100 USA-ASSIST Worldwide Protection
GlobalTrip Saver
100% of the trip cost Limitations apply Quote

Full Policy Wording

TRIP CANCELLATION

You have benefits in the amount purchased* for unused non-refundable prepaid expenses for travel arrangements, whenever you are prevented from taking a trip for any of the following reasons that occur after the effective date of your protection plan:

1. Specified sickness, injury or death of You, Your traveling companion, business partner or family member of either You or Your traveling companion that results in medically imposed restrictions as certified by a legally qualified physician at the time of loss, preventing your continued participation in the trip.

2. Strike that causes complete cessation of services of your common carrier for at least 48 consecutive hours.

3. Weather that causes complete cessation of services of your common carrier for at least 48 consecutive hours.

4. Employer termination or layoff affecting You or a person sharing the same room. Employment must have been with the same employer for at least three continuous years.

5. Terrorism. The Terrorist Incident must occur in a city listed on Your itinerary within 30 days prior to Your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the 90 days prior to the Terrorist Incident, which is causing Your cancellation. Benefits are not provided if Your Travel Supplier offers a substitute itinerary.

6. Hijack, quarantine, jury duty or court ordered appearance as a witness in a legal action in which You or Your traveling companion are not a party (except law enforcement officers).

7. Primary residence of You or Your traveling companion is rendered uninhabitable due to unforeseen circumstances.

8. Burglary of You or Your traveling companion’s primary residence within 10 days of departure or during your trip.

9. Felonious assault of You or Your traveling companion within 10 days of departure or during your trip.

10. You or Your traveling companion are called to emergency military duty for a national disaster other than war.

11. Traffic accident directly involving either You or Your traveling companion, substantiated by a police report, while in route to a scheduled departure point.

12. If your travel supplier cancels your trip, you will receive up to US$ 75 for the reissue fee charged by the airline for your tickets. You must cover the full cost of the trip.

*Please note that the full cost of the trip must be declared and informed in the purchase form, up to a maximum of US$ 20,000 per person. Otherwise, in case of a Trip Cancellation or Trip Interruption claim, benefit will be settled proportionally to the declared trip cost amount (pro-rata). If Airline tickets are paid with award miles, the cost of issuing the ticket and taxes paid must be included in the full declared cost of the trip.

All cancellations events must be reported to the Travel Supplier and to our Claims Administrator within 72 hours of the event causing the need to cancel. If the event delays the reporting of the cancellation beyond the 72 hours, report the event as soon as possible. All other delays of reporting beyond 72 hours will result in reduced benefit payments.

TRIP INTERRUPTION

If You are prevented from completing a Trip for any of the reasons listed under the Trip Cancellation section above that occurs after Your Protection Plan Effective Date and after the departure date of the Trip, You are eligible up to the benefit amount purchased under Trip Cancellation* for:

1. Any unused non-refundable prepaid expenses for Travel Arrangements;

2. Return air: One way Economy Transportation to return to Your original destination or rejoin Your Trip less the value of the original unused return travel ticket;

3. Accommodations and transportation expenses for up to US$ 150 per day for 10 additional days when a Traveling Companion must remain hospitalized or an Injury or Sickness not requiring hospitalization prevents You from continuing travel and You must extend Your Trip with additional hotel nights due to medically imposed restrictions on a Traveling Companion as certified by a Legally Qualified Physician.

4. Single supplement upgrade – You are eligible for benefits when Your Traveling Companion cancels or interrupts a trip for a specified reason and You do not.

*In case you have purchased a PD / Post Departure plan (not including “Trip Cancellation” benefit), “Trip Interruption” benefit will be limited to the unused non- refundable prepaid cost of a one way Economy Transportation to return to Your original destination or rejoin Your Trip less the value of the original unused return travel ticket, up to US$ 1,500 per person, US$ 5,000 maximum limit.

101 USA-ASSIST Worldwide Protection
GlobalTrip Plus
100% of the trip cost Quote

Full Policy Wording

TRIP CANCELLATION

You have benefits in the amount purchased* for unused non-refundable prepaid expenses for travel arrangements, whenever you are prevented from taking a trip for any of the following reasons that occur after the effective date of your protection plan:

1. Specified sickness, injury or death of You, Your traveling companion, business partner or family member of either You or Your traveling companion that results in medically imposed restrictions as certified by a legally qualified physician at the time of loss, preventing your continued participation in the trip.

2. Strike that causes complete cessation of services of your common carrier for at least 48 consecutive hours.

3. Weather that causes complete cessation of services of your common carrier for at least 48 consecutive hours.

4. Employer termination or layoff affecting You or a person sharing the same room. Employment must have been with the same employer for at least three continuous years.

5. Terrorism. The Terrorist Incident must occur in a city listed on Your itinerary within 30 days prior to Your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the 90 days prior to the Terrorist Incident, which is causing Your cancellation. Benefits are not provided if Your Travel Supplier offers a substitute itinerary.

6. Hijack, quarantine, jury duty or court ordered appearance as a witness in a legal action in which You or Your traveling companion are not a party (except law enforcement officers).

7. Primary residence of You or Your traveling companion is rendered uninhabitable due to unforeseen circumstances.

8. Burglary of You or Your traveling companion’s primary residence within 10 days of departure or during your trip.

9. Felonious assault of You or Your traveling companion within 10 days of departure or during your trip.

10. You or Your traveling companion are called to emergency military duty for a national disaster other than war.

11. Traffic accident directly involving either You or Your traveling companion, substantiated by a police report, while in route to a scheduled departure point.

12. If your travel supplier cancels your trip, you will receive up to US$ 75 for the reissue fee charged by the airline for your tickets. You must cover the full cost of the trip.

*Please note that the full cost of the trip must be declared and informed in the purchase form, up to a maximum of US$ 20,000 per person. Otherwise, in case of a Trip Cancellation or Trip Interruption claim, benefit will be settled proportionally to the declared trip cost amount (pro-rata). If Airline tickets are paid with award miles, the cost of issuing the ticket and taxes paid must be included in the full declared cost of the trip.

All cancellations events must be reported to the Travel Supplier and to our Claims Administrator within 72 hours of the event causing the need to cancel. If the event delays the reporting of the cancellation beyond the 72 hours, report the event as soon as possible. All other delays of reporting beyond 72 hours will result in reduced benefit payments.

TRIP INTERRUPTION

If You are prevented from completing a Trip for any of the reasons listed under the Trip Cancellation section above that occurs after Your Protection Plan Effective Date and after the departure date of the Trip, You are eligible up to the benefit amount purchased under Trip Cancellation* for:

1. Any unused non-refundable prepaid expenses for Travel Arrangements;

2. Return air: One way Economy Transportation to return to Your original destination or rejoin Your Trip less the value of the original unused return travel ticket;

3. Accommodations and transportation expenses for up to US$ 150 per day for 10 additional days when a Traveling Companion must remain hospitalized or an Injury or Sickness not requiring hospitalization prevents You from continuing travel and You must extend Your Trip with additional hotel nights due to medically imposed restrictions on a Traveling Companion as certified by a Legally Qualified Physician.

4. Single supplement upgrade – You are eligible for benefits when Your Traveling Companion cancels or interrupts a trip for a specified reason and You do not.

*In case you have purchased a PD / Post Departure plan (not including “Trip Cancellation” benefit), “Trip Interruption” benefit will be limited to the unused non- refundable prepaid cost of a one way Economy Transportation to return to Your original destination or rejoin Your Trip less the value of the original unused return travel ticket, up to US$ 1,500 per person, US$ 5,000 maximum limit.

102 USA-ASSIST Worldwide Protection
GlobalTrip High Medical
100% of the trip cost Limitations apply Quote

Full Policy Wording

TRIP CANCELLATION

You have benefits in the amount purchased* for unused non-refundable prepaid expenses for travel arrangements, whenever you are prevented from taking a trip for any of the following reasons that occur after the effective date of your protection plan:

1. Specified sickness, injury or death of You, Your traveling companion, business partner or family member of either You or Your traveling companion that results in medically imposed restrictions as certified by a legally qualified physician at the time of loss, preventing your continued participation in the trip.

2. Strike that causes complete cessation of services of your common carrier for at least 48 consecutive hours.

3. Weather that causes complete cessation of services of your common carrier for at least 48 consecutive hours.

4. Employer termination or layoff affecting You or a person sharing the same room. Employment must have been with the same employer for at least three continuous years.

5. Terrorism. The Terrorist Incident must occur in a city listed on Your itinerary within 30 days prior to Your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the 90 days prior to the Terrorist Incident, which is causing Your cancellation. Benefits are not provided if Your Travel Supplier offers a substitute itinerary.

6. Hijack, quarantine, jury duty or court ordered appearance as a witness in a legal action in which You or Your traveling companion are not a party (except law enforcement officers).

7. Primary residence of You or Your traveling companion is rendered uninhabitable due to unforeseen circumstances.

8. Burglary of You or Your traveling companion’s primary residence within 10 days of departure or during your trip.

9. Felonious assault of You or Your traveling companion within 10 days of departure or during your trip.

10. You or Your traveling companion are called to emergency military duty for a national disaster other than war.

11. Traffic accident directly involving either You or Your traveling companion, substantiated by a police report, while in route to a scheduled departure point.

12. If your travel supplier cancels your trip, you will receive up to US$ 75 for the reissue fee charged by the airline for your tickets. You must cover the full cost of the trip.

*Please note that the full cost of the trip must be declared and informed in the purchase form, up to a maximum of US$ 20,000 per person. Otherwise, in case of a Trip Cancellation or Trip Interruption claim, benefit will be settled proportionally to the declared trip cost amount (pro-rata). If Airline tickets are paid with award miles, the cost of issuing the ticket and taxes paid must be included in the full declared cost of the trip.

All cancellations events must be reported to the Travel Supplier and to our Claims Administrator within 72 hours of the event causing the need to cancel. If the event delays the reporting of the cancellation beyond the 72 hours, report the event as soon as possible. All other delays of reporting beyond 72 hours will result in reduced benefit payments.

TRIP INTERRUPTION

If You are prevented from completing a Trip for any of the reasons listed under the Trip Cancellation section above that occurs after Your Protection Plan Effective Date and after the departure date of the Trip, You are eligible up to the benefit amount purchased under Trip Cancellation* for:

1. Any unused non-refundable prepaid expenses for Travel Arrangements;

2. Return air: One way Economy Transportation to return to Your original destination or rejoin Your Trip less the value of the original unused return travel ticket;

3. Accommodations and transportation expenses for up to US$ 150 per day for 10 additional days when a Traveling Companion must remain hospitalized or an Injury or Sickness not requiring hospitalization prevents You from continuing travel and You must extend Your Trip with additional hotel nights due to medically imposed restrictions on a Traveling Companion as certified by a Legally Qualified Physician.

4. Single supplement upgrade – You are eligible for benefits when Your Traveling Companion cancels or interrupts a trip for a specified reason and You do not.

*In case you have purchased a PD / Post Departure plan (not including “Trip Cancellation” benefit), “Trip Interruption” benefit will be limited to the unused non- refundable prepaid cost of a one way Economy Transportation to return to Your original destination or rejoin Your Trip less the value of the original unused return travel ticket, up to US$ 1,500 per person, US$ 5,000 maximum limit.