Optional coverage
This benefit is separate from Trip Interruption
Interruption For Any Reason can provide partial reimbursement for unused prepaid and non-refundable trip payments if a trip is interrupted for a reason not otherwise covered by a policy. In order for coverage to be available, the trip must be interrupted at least 48 or 72 hours into the trip, depending on the policy.
Upgrade – Trip Interruption for Any Reason
If you purchase this optional upgrade, the following Benefit is added to Your Policy, with a Maximum Benefit Limit shown in Your Schedule of Benefits:
If You interrupt Your Trip forty-eight (48) hours or more after Your actual departure date, for any reason not otherwise covered in this Policy, We will reimburse You for the Maximum Benefit Amount shown in the Schedule of Benefits of the total amount of coverage You purchased for Your Travel Arrangements, for:
1. the unused portion of the prepaid, non-refundable Payments or Deposits You paid for Your Travel Arrangements; and
2. the additional fare paid to return Home less the value of applied credit from an unused travel ticket, limited to the cost of one-way economy transportation (or similar class as the originally issued ticket) by scheduled Common Carrier, from the point of Trip destination to the point of Trip origin shown on the original travel tickets.
This coverage is only available provided:
a. Your payment for this Policy benefit is received within the Time Sensitive Period; and
b. You have insured one hundred percent (100%) of the value/costs for Travel Arrangements known to you at the time You purchase this benefit.
This Trip Interruption for Any Reason benefit does not cover failure of the Travel Supplier to provide the bargained-for Travel Arrangements for any reason.
Time Sensitive Period means:
For initial Policy purchase:
within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received.
For subsequent arrangements:
within twenty-one (21) days of payment for any subsequent Pre-paid, nonrefundable arrangements added to Your Trip.