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.
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 or were assessed for Your Trip, when You cancel Your Trip for a covered Unforeseen reason.
Trip Cancellation must be due to one of the following Unforeseen reasons:
1. Your, a Family Member’s, a Traveling Companion’s, a Business Partner’s or a Traveling Companion’s Family Member’s death, that occurs before departure on Your Trip;
2. Your, a Family Member’s, a Traveling Companion’s, 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:
a. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);
b) You or Your Traveling Companion is the victim of a felonious assault within 10 days of the Scheduled Departure Date of Your Trip;
c. Your or Your Traveling Companion’s primary place of residence or destination is made Uninhabitable and remains Uninhabitable during Your scheduled Trip, by fire, flood, or other Natural Disaster, vandalism or burglary of Your principle place of residence within 10 days of departure;
d. Your or Your Traveling Companion’s place of employment is rendered unsuitable for business or company operations or is interrupted due to burglary, vandalism or a Natural Disaster and You or Your Traveling Companion are required to work as a result;
e. a documented theft of Your passports or visas;
f. Your or Your Traveling Companion’s transfer of employment of 250 miles or more that occurs within 10 days of the Scheduled Departure Date of Your Trip by the employer with whom You or Your Traveling Companion are employed on Your Effective Date which requires Your or Your Traveling Companion’s principal residence to be relocated;
g. You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;
h. Strike that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;
i) Inclement Weather that causes complete cessation of services for at least 12 consecutive hours of the Common Carrier on which You are scheduled to travel;
j. mechanical breakdown of the aircraft on which You are scheduled to travel that causes a cancellation or delay of Your flight for at least 12 consecutive hours provided no alternative flights are available;
k. a government-mandated shutdown of an airport or air traffic control system due to a Natural Disaster or a Terrorist Incident;
l. You or Your Traveling Companion who are military, police or fire personnel being called into emergency service to provide aid or relief for a Natural Disaster or a Terrorist Incident;
m. Your or Your Traveling Companion’s involuntary employment termination or layoff. Employment must have been with the same employer for at least 1 continuous year;
n. a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip;
o. revocation of Your or Your Traveling Companion’s previously granted military leave or re-assignment, including war. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;
p) Bankruptcy or Default of an airline, cruise line, tour operator or other travel, camp or program provider (other than an organization or firm from whom You purchased Travel Arrangements supplied by others) causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than 14 days following 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;
q. the death or hospitalization of Your Host at Destination;
r. You or Your Traveling Companion, neither of whom is a company owner or partner, are required to work during the scheduled Trip, as attested in writing by an unrelated company official and/or the company’s Human Resources Department;
s. Your or Your Traveling Companion’s company is directly involved in either a merger with another company or is being acquired by another company. You or Your Traveling Companion must be an active, full-time employee and cannot be a company owner or partner and You or Your Traveling Companion must be directly involved in such merger or acquisition;
t. a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip departure or destination city is under a hurricane warning issued by the NOAA National Hurricane Center provided the cancellation occurs more than 14 days following Your Effective Date of coverage for Trip Cancellation;
u. mandatory evacuation ordered by local government authorities at Your Trip destination due to a Natural Disaster or a hurricane named after the Effective Date of Your coverage. You must have 50% or less of Your Trip length remaining at the time the mandatory evacuation ends in order to cancel or interrupt Your Trip and for this benefit to be payable;
v. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Travel Delay Benefit;
w. the primary or secondary school that Your Dependent child(ren) attends continues classes beyond the predefined school year, due to Unforeseen circumstances that: 1) occur after Your Effective Date for Trip Cancellation; and 2) cause the classes to extend beyond the Scheduled Departure Date of Your Trip. Extensions due to extra- curricular or athletic events are not covered;
x. Your pregnancy, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records;
y. You are attending the childbirth of Your Family Member, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records.
In no event shall the amount reimbursed for Trip Cancellation exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.
Additional Trip Cancellation Benefits: We will reimburse You for the following:
If You use frequent traveler awards (frequent flyer miles or hotel rewards) for any part of Your Trip, We will reimburse You for the fees You incur up to $150 for re-depositing those awards in Your account if Your Trip is canceled for any of the covered Unforeseen reasons.
If Your Travel Supplier cancels Your Trip or You must reschedule Your Trip due to a covered Unforeseen reason, We will reimburse You up to $150 for the reissue fee charged by the airline to change Your tickets. You must have covered the entire cost of Your Trip including the airfare.
We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for Trip Cancellation, for the additional cost You incur as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is canceled or interrupted for a covered Unforeseen reason and You do not cancel or interrupt Your Trip.
If Your Travel Supplier makes a change in Your Trip itinerary after Your Effective Date which prevents You from participating in a prepaid event or activity, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for Your unused non-refundable event or activity expenses, provided the event or activity was:
1. prepaid prior to departure;
2. scheduled on Your Trip itinerary; and
3. no comparable event or activity of equivalent cost was rescheduled during the course of the Trip.
Verification by Your Travel Supplier of the change in the scheduled Trip itinerary will be necessary for claim payment.