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.
Trip Cancellation
If You cancel Your Trip prior to departure due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the amount of unused, non-refundable, Pre-paid Payments or Deposits for the Travel Arrangements You purchased for Your Trip.
We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the additional single supplement cost You must pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is cancelled for one of the covered Unforeseen reasons listed below and You do not cancel Your Trip.
If You cancel due to a covered Unforeseen reason, and You used frequent traveler awards, such as frequent flier miles or hotel rewards, for any part of Your Trip, We will reimburse You for the fees You pay up to the Maximum Benefit Amount listed in the Schedule of Benefits to re-deposit those miles or rewards in Your account.
If You cancel or reschedule Your Trip due to a covered Unforeseen reason, We will reimburse You up to the sub-limit listed in the Schedule of Benefits for the reissue fee paid to the airline to change Your tickets.
Payable benefit amounts are reduced by any refunds or reimbursements to which You are entitled from any Travel Supplier, whether You requested reimbursement or not. In no event shall the amount reimbursed under this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Travel Arrangements or the Maximum Benefit Amount shown in the Schedule of Benefits.
Cancellation must be due to one of the following Unforeseen reasons that occurs after the purchase of this Policy and while this coverage is in effect for You:
1. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Service Animal’s death that occurs prior to departure on Your Trip;
2. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Service Animal’s covered Sickness or Injury that: a) occurs before departure on Your Trip; b) requires Medical Treatment by a Physician at the time of cancellation; and c) as certified by a Physician prior to cancellation, results in medical restrictions so disabling as to cause You to cancel Your Trip. The Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause you to assume daily management of the business;
3. the following other Unforeseen reasons which occur to You or Your Traveling Companion provided such events occur while this coverage is in effect:
c. the death, hospitalization or Quarantine of Your Host at Your Destination with whom You and/or Your Traveling Companion will be staying during Your Trip;
d. hospitalization due to mental, nervous or psychological disorders. The hospitalization must be for more than seventy-two (72) hours, must occur within thirty (30) days of your departure date and must occur at a time when this coverage is in effect;
Trip Interruption
If You must start Your Trip later than scheduled or are unable to complete Your Trip due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the following:
1. unused, Pre-paid, nonrefundable Payments or Deposits You paid for Your Travel Arrangements insured under this Policy, and any fees imposed in accordance with The Jones Act;
2. plus one of the following transportation expenses:
a. the Additional Transportation Cost to reach Your scheduled destination if Your departure is delayed and You leave on Your Trip after Your Scheduled Departure Date and time;
b. the Additional Transportation Cost for You to reach the Scheduled Return Destination of Your Trip; orc. the Additional Transportation Cost for You to rejoin Your Trip in progress from the point where You interrupted Your Trip.
We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the additional single supplement cost You pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is interrupted for one of the covered Unforeseen reasons listed below and You do not interrupt Your Trip.
We will also reimburse You up to the sub-limit listed in the Schedule of Benefits for reasonable and necessary paid costs to drive or transport Your Covered Vehicle to Your Home if you meet all of the following.
1. You are using Your Covered Vehicle on the Trip.
2. the Covered Vehicle is with You at the place where the Trip is interrupted.
3. the place where the Trip is interrupted is one hundred (100) miles or more away from Your Home.
4. You are medically unable to drive Your Covered Vehicle Home due to a covered Sickness, Injury or death.
In no event shall the amount reimbursed for this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.
Trip Interruption must be due to one of the following Unforeseen reasons that occurs while this coverage is in effect for You:
1. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Service Animal’s death that occurs after departure on Your Trip;
2. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Service Animal’s covered Sickness or Injury that: a) occurs while this coverage is in effect; b) requires Medical Treatment by a Physician at the time of interruption; and c) as certified by a Physician prior to interruption, results in medical restrictions so disabling as to prevent Your continued participation on the Trip. The Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause you to assume daily management of the business;
3. the following other Unforeseen reasons which occur to You or Your Traveling Companion provided such circumstances occur while this coverage is in effect:
a. being unable to continue on Your Trip due to You or Your Traveling Companion being Quarantined;
b. Complications of Pregnancy, as verified by medical records, provided they begin after Your Effective Date of Your Policy;c. the death, hospitalization or Quarantine of Your Host at Your Destination with whom You and/or Your Traveling Companion are staying with during Your Trip;
d. hospitalization due to mental, nervous or psychological disorders. The hospitalization must be for more than seventy-two (72) hours, must occur during Your Trip;
Quarantine means Your strict isolation imposed by a government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.