Provides reimbursement for non-refundable trip payments and deposits if a trip is interrupted for illness, death or other unforeseen circumstances.
100% of the trip cost
Provides reimbursement for non-refundable trip payments and deposits if a trip is interrupted for illness, death or other unforeseen circumstances.
TRIP CANCELLATION
Not applicable if $0 limit displayed on Your Confirmation of Benefits.
The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are prevented from taking Your Trip due to the following Unforeseen events:
a) Sickness, Accidental Injury or death of You, or Your Traveling Companion, or Family Member or Business Partner of You or Your Traveling Companion; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date.
b) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action provided You or a Traveling Companion are not a party to the legal action or appearing as a law enforcement officer, the victim of felonious assault within 10 days of departure; or having Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure.
c) You or Your Traveling Companion are directly involved in a traffic accident substantiated by a police report while en route to departure.
d) The death or hospitalization of Your Host at Destination.
e) If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within the territorial limits of a City listed on Your itinerary. The Terrorist Attack must occur after the Effective Date of Your Trip Cancellation coverage.
f) You or Your Traveling Companion or Family Member who are military personnel, are called to emergency duty for a Natural Disaster or have their leave revoked or are reassigned.
g) Strike that causes complete cessation of services for at least 24 consecutive hours.
h) Weather which causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours.
i) Bankruptcy or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Coverage is not provided for the Bankruptcy or Default of the travel agent or Travel Supplier that solicited Your policy and from whom You purchased Your Land/Sea Arrangements. 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. You must purchase Your policy within 21 days of Your initial Trip deposit.
j) You or Your Traveling Companion are terminated, or laid off from employment subject to one year of continuous employment at the place of employment where terminated.
k) Natural Disaster at the site of Your destination which renders Your destination accommodations uninhabitable.
l) Mandatory evacuation ordered by local authorities at Your final destination due to hurricane or other Natural Disaster. You must have 50% of Your total Trip length or less remaining on the Trip, at the time the mandatory evacuation ends, in order to cancel the Trip.
m) You or Your Traveling Companion’s normal pregnancy as long as the pregnancy occurs after Your or Your Traveling Companion’s Effective Date of coverage and can be verified by medical records.
n) You will be attending a Family Member’s childbirth as long as the pregnancy occurs after Your Effective Date of coverage and can be verified by medical records;
o) The primary or secondary school where You, Your Traveling Companion or Your Dependent Children attend(s) must extend its operating session beyond the pre-defined school year, due to Unforeseen events commencing during Your policy effective period, and the travel dates for the Trip fall within the period of the school year extension. Extensions due to extra-curricular or athletic events are not covered.
The Company will reimburse You for the following:
a) Non-refundable cancellation charges imposed by the Travel Suppliers.
b) Airfare cancellation charges for flights commencing within one week of the Land/Sea Arrangements.
c) If Your Travel Supplier cancels Your Trip, You are covered up to the cost of the ticket or the reissue fee charged by the airline for the tickets. You must have covered the entire cost of the Trip including the airfare.
In no event shall the amount reimbursed exceed the lesser of the amount You prepaid for the Trip or the maximum benefit shown on Your Confirmation of Benefits.
Special Conditions: You must advise the Travel Supplier and Arch Insurance Company 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 Travel Supplier as soon as reasonably possible.
Single Occupancy Coverage: The Company will reimburse You, up to the maximum shown on Your Confirmation of Benefits, 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.
TRIP INTERRUPTION
Return Air Only up to $500 if $0 limit displayed on Your Confirmation of Benefits.
The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are unable to continue Your Trip due to the Unforeseen events listed under TRIP CANCELLATION.
The Company will pay for the following:a) Unused, non-refundable travel arrangements prepaid to the Travel Suppliers.
b) Up to the maximum shown in the accompanying Confirmation of Benefits for the airfare paid, less the value of applied credit from an unused return travel ticket to return You to the return destination of the Trip as specified in the original travel documents from the point where You interrupted the Trip or rejoin the Trip from the point where You interrupted the Trip. (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket).
The Company will pay for reasonable additional meals, lodging, and transportation expenses incurred by You up to $200 a day if Your 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 does not require hospitalization or if Your Trip must be extended due to an Unforeseen event listed under TRIP CANCELLATION.
In no event shall the amount reimbursed exceed the lesser of the amount You prepaid for the Trip or the maximum benefit shown on Your Confirmation of Benefits.
1) “Accident” means a sudden, unexpected, unusual, specific event which occurs at an identifiable time and place, but shall also include exposure resulting from a mishap to a conveyance in which You are traveling.
2) “Accidental Injury” means Bodily Injury caused by an Accident (of external origin) being the direct and independent cause in the Loss.
3) “Actual Cash Value” means purchase price less depreciation.
4) “Assistance Company” means the service provider with which the Company has contracted to coordinate and deliver emergency travel assistance, medical evacuation, and repatriation.
5) “Baggage” means luggage and personal possessions, whether owned, borrowed, or rented, taken by You on the Trip.
6) “Bankruptcy” means the filing of a petition for voluntary or involuntary Bankruptcy in a court of competent jurisdiction under Chapter 7 or Chapter 11 of the United States Bankruptcy Code 11 U.S.C. Subsection 101 et seq.
7) “Bodily Injury” means identifiable physical injury which: a) is caused by an Accident, and b) solely and independently of any other cause, except illness resulting from, or medical or surgical treatment rendered necessary by such Injury, is the direct cause of death or dismemberment of You within twelve months from the date of the Accident.
8) “Business Partner" means an individual who: a) is involved in a legal partnership; and b) is actively involved in the day to day management of the business.
9) “Checked Baggage” means a piece of Baggage for which a claim check has been issued to You by a Common Carrier.
10) “City” means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas, or airspace.
11) “Common Carrier” means any regularly scheduled land, sea, and/or air conveyance operating under a valid license for the transportation of passengers for hire.
12) "Company"meansArchInsuranceCompany.
13) “Complication of Pregnancy” means a condition whose diagnosis is distinct from pregnancy but is adversely affected or caused by pregnancy.
14) “Covered Expenses” shall mean expenses incurred by You which are for medically necessary services, supplies, care, or treatment; due to illness or Injury; prescribed, performed or ordered by a Physician; reasonable and customary charges; incurred while insured under this policy; and which do not exceed the maximum limits shown in the accompanying Confirmation of Benefits, under each stated benefit.
15) “Cruise” means any prepaid sea arrangements.
16) “Default” means a material failure or inability to provide contracted services due to financial insolvency.
17) “Dependent Child(ren)” means Your children, including an unmarried child, stepchild, legally adopted child or foster child who is: (1) less than age 19 and primarily dependent on You for support and maintenance; or (2) who is at least age 19 but less than age 23 and who regularly attends an accredited school or college; and who is primarily dependent on You for support and maintenance.
18) “Domestic Partner” means a person, at least 18 years of age, with whom You have been living in a spousal relationship with evidence of cohabitation for at least 10 continuous months prior to the Effective Date of coverage.
19) “Economy Fare” means the lowest published rate for a one-way ticket.
20) “Effective Date” means the date and time Your coverage begins, as outlined in the General Provisions section of the policy.
21) “Exotic Vehicles” includes Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, Bradley, Bricklin, Corvette, Cosworth, Clenet, De Lorean, Excalibre, Ferrari, Fiat, Hummer, Iso, Jaguar, Jensen, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls Royce, Rover, Stutz, Sterling, Triumph, TVR. Antique cars meaning cars that are over 20 years old or have not been manufactured for 10 or more years, any vehicle with an original manufacturer’s suggested retail price greater than $25,000 and Yugo.
22) “Family Member" means You or Your Traveling Companion’s legal or common law spouse, Domestic Partner, parent, legal guardian, step-parent, grandparent, parents-in-law, grandchild, natural or adopted child, foster child, ward, step-child, children-in- law, brother, sister, step-brother, step-sister, brother-in- law, sister-in-law, aunt, uncle, niece or nephew.
23) “Hazard” means:
a) Any delay of a Common Carrier (including Inclement Weather).
b) Any delay by a traffic accident en route to a departure, in which You or Your Traveling Companion is directly or not directly involved.
c) Any delay due to lost or stolen passports, travel documents or money, quarantine, hijacking, unannounced Strike, Natural Disaster.
24) “Hospital” means a facility that:
a) Holds a valid license if it is required by the law;
b) Operates primarily for the care and treatment of sick or injured persons as in-patients;
c) Has a staff of one or more Physicians available at all times;
d) Provides 24 hour nursing service and has at least one registered professional nurse on duty or call;
e) Has organized diagnostic and surgical facilities, either on the premises or in facilities available to the hospital on a pre-arranged basis; and
f) Is not, except incidentally, a clinic, nursing home, rest home, or convalescent home for the aged, or similar institution.
25) “Host at Destination” means a person with whom You are sharing pre-arranged overnight accommodations at the host’s usual principal place of residence.
26) “Inclement Weather” means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier.
27) “Injury” means Bodily Injury caused by an Accident occurring while this policy is in force, and resulting directly and independently of all other causes of Loss covered by the policy. The Injury must be verified by a Physician and require emergency care.
28) “Insured” means a person while covered under the policy and for whom the required premium is paid. Insured also means “You or Your”.
29) "Land/SeaArrangements”means land and or sea arrangements made by the Travel Supplier.
30) “Loss”meansInjuryordamagesustainedbyYouas a result of one or more of the occurrences against which the Company has undertaken to indemnify You.
31) “Maximum Benefit” means the largest total amount of Covered Expenses that the Company will pay for You.
32) “Medically Necessary” means that a treatment, service, or supply is: (1) is essential for diagnosis, treatment or care of the Injury or Sickness for which it is prescribed or performed; (2) meets generally accepted standards of medical practice; and (3) is ordered by a Physician and performed under his or her care, supervision or order.
33) “Natural Disaster” means flood, fire, hurricane, tornado, earthquake, volcanic eruption, blizzard or avalanche that is due to natural causes.
34) “Physician” means a licensed practitioner of medical, surgical or dental services acting within the scope of his/her license and shall include Christian Science Practitioners. The treating Physician may not be You, a Traveling Companion or a Family Member.
35) “Pre-Existing Condition” means any Injury, Sickness or condition of You, a Traveling Companion or Your and/or Your Traveling Companion’s Family Member for which medical advice, diagnosis, care or treatment was recommended or received within the 180 day period ending on the Effective Date. Sicknesses or conditions are not considered pre-existing if the Sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription.
36) “Scheduled Departure Date” means the date on which You are originally scheduled to leave on the Trip.
37) “Scheduled Return Date” means the date on which You are originally scheduled to return to the point of origin or to a different final destination.
38) “Sickness” means an illness or disease which is diagnosed or treated by a Physician after the Effective Date of insurance and while You are covered under the policy.
39) “Ski Equipment” means skis, ski poles, ski bindings, ski boots, snowboards, snowboard bindings, snowboard boots, snowblades and any other recognized snow sports equipment.
40) “Strike” means any unannounced labor disagreement that interferes with the normal departure and arrival of a Common Carrier.
41) “Terrorist Attack” means an incident deemed an act of terrorism by the U.S. Government.
42) “Traveling Companion” means a person who is sharing travel arrangements with You. Note, a group or tour leader is not considered a Traveling Companion unless You are sharing room accommodations with the group or tour leader.
43) "TravelSupplier"meanstouroperator,Cruiseline, hotel etc. who has made the Land and/or Sea Arrangements.
44) “Trip” means prepaid Land/Sea Arrangements and shall include flight connections to join or depart such Land/Sea Arrangements provided such flights are scheduled to commence within one week of the Land/Sea Arrangements. Travel must be more than 50 miles from Your primary residence.
45) “Unforeseen” means not anticipated or expected and occurring after the Effective Date of the policy.
46) “Used” means to avail oneself of, to employ, to expend or consume, or to convert to one’s service.
Excess Insurance Limitation: The insurance provided by this policy shall be in excess of all other valid and collectible insurance or indemnity except for Accidental Death & Dismemberment Common Carrier (Air Only), or as required by state law. If at the time of the occurrence of any Loss there is other valid and collectible insurance or indemnity in place, the Company shall be liable only for the excess of the amount of Loss, over the amount of such other insurance or indemnity, and applicable deductible.
The following exclusions apply: This policy does not cover Loss caused by or resulting from:
1) Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation and Repatriation of Remains), unless the policy is purchased within 21 days of the initial Trip deposit. The booking for the Trip must be the first and only booking for this travel period and destination, You are not disabled from travel at the time You pay the premium, and You must purchase this policy for the full non-refundable cost of Your Trip;
2) Suicide, attempted suicide or any intentionally self- inflicted Injury while sane or insane (in Missouri, sane only) committed by You, Traveling Companion, or Family Member whether insured or not;
3) War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war;
4) Participation in any military maneuver or training exercise;
5) Piloting or learning to pilot or acting as a member of the crew of any aircraft;
6) Mental or emotional disorders, unless hospitalized;
7) Participation as a professional in athletics;
8) Being under the influence of drugs or intoxicants, unless prescribed by a Physician;
9) Commission or the attempt to commit a criminal act by You, Traveling Companion or Family Member whether insured or not;
10) Injury sustained while taking part in mountaineering where ropes and guides are normally used; hang gliding, parachuting, bungee jumping, snowmobiling, jet skiing, scuba diving involving underwater breathing apparatus, unless PADI or NAUI certified, water skiing, snow skiing, spelunking, parasailing, snowboarding, extreme skiing, bodily contact sports, skydiving, any race or speed contest;
11) Dental treatment except as a result of Accidental Injury to sound natural teeth;
12) Pregnancy and childbirth (except for Complications of Pregnancy or as specifically provided under Part A);
13) Traveling for the purpose of securing medical treatment.
The following limitation applies to Trip Cancellation: All cancellations must be reported directly to the Travel Supplier within 72 hours of the event causing the need to cancel, unless the event prevents it, and then as soon as is reasonably possible. If the cancellation is not reported within the specified 72-hour period, the Company will not pay for additional charges which would not have been incurred had You notified the Travel Supplier in the specified period. If the event prevents You from reporting the cancellation, the 72-hour notice requirement does not apply; however, You must, if requested, provide proof that said event prevented You from reporting the cancellation within the specified period.
The following exclusions apply to Baggage/Personal Effects and Baggage Delay:
The Company will not provide benefits for any Loss or damage to:
1) Animals; automobiles and automobile equipment;
2) Boats or other vehicles or conveyances; trailers; motors;
3) Motorcycles; bicycles (except when checked as Baggage with a Common Carrier); eye glasses, sunglasses or contact lenses; artificial teeth and dental bridges;
4) Hearing aids; prosthetic limbs; keys, money, stamps, securities and documents; tickets.
Any Loss caused by or resulting from the following is excluded:
Wear and tear or gradual deterioration; insects or vermin; inherent vice or damage while the article is actually being worked upon or processed; confiscation or expropriation by order of any government; radioactive contamination; war or any act of war whether declared or not; property shipped as freight or shipped prior to the Scheduled Departure Date.
The following exclusions apply to Renters Collision Insurance:
1) Any obligation You assume under any agreement (except insurance collision deductible);
2) Rentals of trucks, campers, trailers, off-road vehicles, motor bikes, motorcycles, recreational vehicles, or Exotic Vehicles;
3) Any Loss which occurs if You are in violation of the rental agreement;
4) Failure to report the Loss to the proper local authorities and the rental company;
5) Damage to any other vehicle, structure or person as a result of a covered Loss.
The following duties in the event of Loss apply to Renters Collision Insurance:
1) You must take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;
2) You must report the Loss to the appropriate local authorities and the rental company as soon as possible;
3) You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;
4) You must provide the Company all documentation such as rental agreement, police report and damage estimate.