200% of the trip cost
Trip Interruption provides reimbursement for prepaid and non-refundable trip payments if a portion of a trip is missed, or the traveler must return home early 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 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 takes 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.
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 continued 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 during the Trip; 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 during the Trip.
You or a Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to departure;
A Terrorist Incident that occurs in a city listed on Your Trip itinerary during the Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary.
You or Family Member, who are military personnel, and are called to emergency duty for a natural disaster; this does not include war.
The death or Hospitalization of Your Host at Destination.
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 hour 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 during Your Trip and 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. This benefit only applies if the insurance has been purchased within ten (10) days of Your initial payment for the Trip.
After five (5) years of continuous employment at the same company, You are terminated or laid-off, from full-time employment by that company.
Natural disaster at the site of Your destination that renders Your destination accommodations Uninhabitable.
The Company will reimburse You for the following:
a) unused portion of the pre-paid, forfeited, non-refundable Payments or Deposits You paid for Travel Arrangements for Your Trip provided the premium paid is received by the Company (or its authorized representative) and You insure all prepaid Trip costs;
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 originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets.
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 You cannot fly home due to an Accident or a Sickness but do not require Hospitalization.
In no event shall the amount reimbursed exceed the Maximum Benefit shown on the Confirmation of Coverage.
SPECIAL CONDITIONS: You must advise the Participating Organization and the Company or its authorized representative 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 Participating Organization as soon as reasonable possible.