Included in Trip Cancellation and Trip Interruption
Cancel For Medical Reasons can reimburse a traveler to cancel their trip due to an unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member.
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 occurring on or after the Effective Date of the Policy.
Maximum trip length is also shown on the Schedule of Benefits.
We will pay You for the following:
a) The amount of forfeited, non-refundable, and unused Payments or Deposits; or
b) Additional cost incurred if the Travel Supplier cancels Your Covered Trip due to an Unforeseen Event and You elect to utilize the service of a replacement Travel Supplier.
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 occurring on or after the Effective Date of the Policy.
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; or
c) return air travel up to the lesser of the cost of an economy flight or the amount shown on the Schedule of Benefits.
The Following are the Unforeseen Events for Trip Cancellation and Trip Interruption:
a) Your Accidental Injury, Covered Sickness or death or the Accidental Injury, Covered Sickness or death of Your Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; that 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) An Accidental Injury incurred by You that causes You to be medically unable to continue Your trip’s activity(ies). An actual examination by a Physician must take place and the Physician must advise You to discontinue the trip’s activity(ies).