100% of the trip cost
Trip Cancellation provides reimbursement for prepaid and non-refundable trip payments if a trip is canceled due to unforeseen circumstances, including illness, injury, or death.
The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You are prevented from taking Your Trip for any of the following reasons that are Unforeseen and takes place after the Effective Date:
Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physic ian at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date;
Sickness, Accidental Injury or death of a Family Member or Traveling Companion, booked to travel with You, that results in medically imposed restrictions as certified by a Physician preventing that person’s participation in the Trip;
Sickness, Accidental Injury or death of a non-traveling Family Member;
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; having Your principal place of residence made Uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster; or burglary of Your principal place of residence within ten (10) days of departure;
You or a Traveling Companion being directly involved in a traffic accident substantiated by a police report, while en route to departure;
You or a Traveling Companion being required to work during the Trip. Proof of requirement to work, such as a notarized statement signed by an officer of Your or a Traveling Companion’s employer must be presented and said employer must comprise of at least twenty-five (25) full-time employees;
Your or a Traveling Companion’s company being made unsuitable for business by fire, flood, burglary, vandalism or other natural disaster and You or a Traveling Companion is responsible for policy and decision making with the company and is directly involved as a member of the disaster recovery team;
Your or a Traveling Companion’s company being directly involved in a merger, acquisition, government required product recall or Bankruptcy proceedings. You or a Traveling Companion must be an active employee of the company and must be directly involved in said event;
You or a Traveling Companion has a transfer of employment of two hundred fifty (250) miles or more;
The death or Hospitalization of Your Host at Destination;
If within thirty (30) days of Your departure, a politically motivated Terrorist Attack occurs within a fifty (50) mile radius of the territorial city limits of the foreign city to be visited by the program for which You have registered and if the United Stat es Government issues a travel warning indicating that Americans should not travel to a city named on the itinerary;
You, a Traveling Companion or Family Member, who are military personnel, and are called to emergency duty for a natural disaster; this does not include war;
Strike that causes complete cessation of services for at least forty-eight (48) consecutive hours;
Weather that causes complete cessation of services of the Common Carrier for at least forty-eight (48) consecutive hours and prevents You from reaching Your destination. This benefit will not apply if the potential natural disaster has been forecasted or a storm has been named prior to purchase of this coverage;
Bankruptcy and/or Default of Your Travel Supplier that 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 Your 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;
After one (1) year of continuous employment at the same company, You are terminated or laid-off, from full time employment by that company through no fault of Your own;
Natural disaster at the site of Your destination that renders Your destination accommodations Uninhabitable.
The Company will reimburse You for the following:
a) pre-paid non-refundable cancellation charges imposed by the Travel Suppliers;
b) If the Travel Supplier cancels Your Trip, You are covered up to $100.00 for the reissue fee charged by the airline for the tickets. You must have covered the entire cost of the Trip including the airfare.
c) The fees incurred by You for re-depositing frequent traveler awards (frequent flyer miles, hotel point rewards, etc.) in Your account if You used awards for any part of a Trip that is canceled for a covered reason. The Company will not pay more than an aggregate amount of $200 for all Trips while coverage is in effect and for fees paid for re-depositing frequent traveler awards
In no event shall the amount reimbursed exceed the amount You prepaid for the Trip.
Coverage does not include Default of a Participating Organization or other organization that results in loss of services.
SPECIAL CONDITIONS: You must advise the Participating Organization and the Company or its authorized representative within seventy-two (72) hours in the event of a claim. If the claim is not reported within seventy-two (72) hours, it should be reported as soon as possible. All other delays of reporting beyond seventy- two (72) hours will result in reduced benefit payments. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Participating Organization as soon as reasonably possible.