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 reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the amount of the unused non-refundable prepaid Payments or Deposits for the Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to departure for a covered Unforeseen reason.
Trip Cancellation must be due to one of the following Unforeseen reasons:
1. Your, a Family Member’s, or a Traveling Companion’s, or a Business Partner’s or a Traveling Companion’s Family Member’s death, that occurs before departure 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, 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:
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.