100% 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. A Physician must advise to cancel the Trip on or before the Scheduled Return 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 continued participation in the Trip;
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. This same city must not have experienced a Terrorist Incident within the ninety (90) days prior to the Terrorist Incident that is causing the cancellation of Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. 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;
Mandatory evacuation (or public official evacuation advisements where there is no mandatory evacuation) issued by local government authorities at Your Trip destination due to hurricane or other natural disaster. In order to cancel Your Trip, You must have four (4) days or 50% of Your total Trip length or less remaining on Your Trip at the time the mandatory evacuation ends.
The Company will reimburse You for the following:
a) 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.
Trip Interruption Fee – Up to the Maximum Benefit shown on the Confirmation of Coverage per term of coverage for:
• airfare change fees up to $100 per person to return home or rejoin the original Trip (limited to the cost of one-way economy airfare by scheduled carrier from the point of destination to the point of origin shown on the original travel tickets) less the value of applied credit from an unused return travel ticket.
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 Covered Trip with additional hotel nights due to a Physician certifying that You cannot fly home due to an Accident or a Sickness but does not require hospitalization.
In no event shall the amount reimbursed exceed the amount You prepaid for the Trip.
SPECIAL CONDITIONS: You must advise the Participating Organization and the Company or its authorized representative no later than seven (7) days 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.