100% of the trip cost
Trip Cancellation provides reimbursement for prepaid and non-refundable trip payments if a trip is canceled due to unforeseen circumstances, including illness, injury, or death.
TRIP CANCELLATION
The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date:
1. 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.
2. 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 that causes Your Trip to be cancelled.
3. Sickness, Accidental Injury or death of a non-traveling Family Member.
4. Your or Your Family Member’s, or Your Traveling Companion’s or Traveling Companion’s Family Member’s, Complications of Pregnancy that result in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your or Your Traveling Companion’s participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.
5. Your transfer of employment of two hundred fifty (250) miles or more that occurs within thirty (30) days of Your Scheduled Departure Date. The transfer must require Your Home to be relocated.
6. You or Your Traveling Companion have a previously approved military leave revoked or experience a military reassignment.
7. You, Your Traveling Companion or Family Member, who are military personnel, are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).
8. Weather at the departure site that causes complete cessation of services for at least twenty-four (24) consecutive hours of the Common Carrier with whom You are scheduled to travel and prevents You from reaching Your destination. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this Policy.
9. Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this Policy.
10. Your accommodations at Your destination made inaccessible due to fire, flood, volcano, earthquake, hurricane or other Natural Disaster. The Company will only pay benefits for losses occurring within fifteen (15) calendar days after the event renders the destination inaccessible. For the purpose of this coverage, inaccessible means Your accommodations can not be reached by Your original mode of transportation. In order to cancel Your trip, You must have four (4) days or fifty percent (50%) of Your total Trip length or less remaining at the time the destination is accessible. Benefits are not payable if the event occurs or if a storm is named prior to or on Your Effective Date.
11. A Terrorist Incident that occurs in Your departure city or 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. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.
12. You or Your Traveling Companion are a victim of a felonious assault.
13. You or Your Traveling Companion or Family Member are kidnapped or disappears as substantiated by a police report, and has not returned within thirty (30) days prior to Your Scheduled Departure Date.
14. A documented theft of Your or Your Traveling Companion’s passports and/or visas.
15. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury, or subpoenaed within ten (10) days of departure; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your Home within ten (10) days of departure.
16. An interruption of water, electric, sewage or gas service(s) at Your destination, for more than twenty-four (24) hours due to Inclement Weather or Natural Disaster. The Company will only pay benefits for losses occurring within fifteen (15) calendar days following the onset of the service interruption.
17. You or Your Traveling Companion being directly involved in a traffic accident (substantiated by a police report provided by You to the Company) while en route to departure.
18. Mechanical breakdown of Your Common Carrier’s aircraft on which You or Your Traveling Companion are scheduled to travel for at least twelve (12) consecutive hours.
19. Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least twenty-four (24) consecutive hours.
The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:
a) pre-paid non-refundable cancellation charges imposed by the Travel Suppliers.
In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.
SPECIAL CONDITIONS: You must advise 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.
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 pre-paid 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.