100% of the trip cost
Provides reimbursement for non-refundable trip payments and deposits if a trip is cancelled for illness, death or other specific unforeseen circumstances.
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 Physician 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;
Your transfer by the employer with whom You are employed on their Effective Date which requires Your principal residence to be relocated;
The death or hospitalization of Your Host at Destination;
A Terrorist Incident that occurs in a city listed on Your Trip itinerary and within thirty (30) days prior to Your Scheduled Departure Date. Benefits are not provided if the Travel Supplier offers a substitute itinerary. Your Scheduled Departure Date must be no more than twelve (12) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.
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 twenty-four (24) consecutive hours;
Weather that causes complete cessation of services of the Common Carrier for at least twenty-four (24) 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 twelve (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 benefit only applies if the policy has been purchased within 21 days of Your initial payment for the Covered Trip and the full cost of the Covered Trip;
After three (3) years 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;
If the Center for Disease Control issues a travel warning that travel should be avoided to Your destination country or region for a period of time that would include Your Trip.
The Company will reimburse You for the following:
a) pre-paid non-refundable cancellation charges imposed by the Travel Suppliers;
b) airfare cancellation charges for flights in connection with Your Trip commencing within one day of the Land/Sea Arrangements;
c) If the Travel Supplier cancels Your Covered Trip, You are covered up to $100.00 for the reissue fee charged by the airline for the tickets or up to $200 for the cost charged by the airline to retain Your frequent flyer miles if not used to purchase the airline ticket in conjunction with this Covered Trip. You must have covered the entire cost of the Covered Trip including the airfare;
d) the amount of prepaid, forfeited, non-refundable Payments or Deposits You paid for Your Trip.
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.
SINGLE OCCUPANCY COVERAGE
The Company will reimburse You 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. This benefit is subject to the same Maximum Benefit indicated above.