Trip Cancellation

• Cancellation
  • Trip Cancellation

  • 100% of the trip cost

• What is Trip Cancellation?
  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.

• What am I covered for?
  TRIP CANCELLATION

  Benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits to reimburse You for the amount of the Published Penalties and unused non-refundable Prepaid Payments or Deposits You paid for Travel Arrangements, including up to $75 for the cost of airline imposed fees to rebank frequent flyer miles for air flights to join Your Trip when You are prevented from taking Your Trip due to:

  1. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s death, which occurs before departure on Your Trip;

  2. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s covered Sickness or Injury, which: a) occurs before departure on Your Trip, b) requires Medical Treatment at the time of cancellation resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and c) and prevents Your participation in the Trip;

  3. For the Other Covered Reasons listed below; provided such circumstances occur while coverage is in effect.

  “Other Covered Reasons” 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) Your or Your Traveling Companion’s primary place of residence being rendered uninhabitable and remaining uninhabitable during Your scheduled Trip, by fire, flood, burglary or other Natural Disaster. The Company will only pay benefits for Losses occurring within 30 calendar days after the Natural Disaster makes Your primary place of residence uninhabitable. Your primary place of residence is uninhabitable if: (i) the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail, or flood; (iii) immediate safety hazards have yet to be cleared such as debris on roofs or downed electrical lines; or (iv) the rental property is without electricity or water. Benefits are not payable if a storm, snow storm, blizzard or hurricane is named on or before the Effective Date of Your Trip Cancellation coverage;

  c) 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;

  d) Unannounced Strike that causes complete cessation of services for at least 48 consecutive hours of the Common Carrier on which You are scheduled to travel;

  e) Inclement Weather that causes complete cessation of services for at least 48 consecutive hours of the Common Carrier on which You are scheduled to travel;

  f) You or Your Traveling Companion is in the military and called to emergency duty for a national disaster other than war;

  g) Involuntary employer termination or layoff affecting You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year;

  h) A Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip. This same city must not have experienced a Terrorist Incident within the 90 days prior to the Terrorist Incident that is causing Your cancellation of Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary;

  i) Bankruptcy or Default of an airline, or cruise line, tour operator or other travel provider (other than the Travel Supplier, tour operator or travel agency, organization or firm from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services 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.

  j) Felonious assault of You or Your Traveling Companion within 10 days of the Scheduled Departure Date;

  All cancellations must be reported to the Travel Supplier within 72 hours of the event causing the need to cancel. If the event delays the reporting of the cancellation beyond the 72 hours, the event should be reported as soon as possible. Increased amounts of Published Penalties and unused non-refundable Prepaid Payments or Deposits that result from all other delays of reporting beyond 72 hours are not covered.

  If Your Travel Supplier cancels Your Trip, a benefit will be paid up to a maximum of $75 for the reissue fee charged by the airline for the tickets. You must have covered the entire cost of Your Trip including the airfare cost.

  The maximum payable under this Trip Cancellation Benefit is the Maximum Benefit Amount shown in the Schedule of Benefits.

  Single Supplement

  Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for Prepaid Travel Arrangements if a Traveling Companion’s or Family Member’s Trip is canceled for a covered reason and You do not cancel Your Trip. These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

• Definitions
  “Accident” means a sudden, unexpected unusual specific event that occurs at an identifiable time and place, and shall also include exposure resulting from a mishap to a conveyance in which You are traveling.

  “Actual Cash Value” means current replacement cost for items of like kind and quality.
  *This definition changes for residents of the following states: Maine. Please click here to refer to your certificate of coverage.

  “Additional Transportation Cost” means the actual cost incurred for one-way Economy Transportation by Common Carrier reduced by the value of an unused travel ticket.

  “Air Carrier” means any air conveyance operating under a valid license for the transportation of passengers for hire.

  “Baggage and Personal Effects” means luggage, personal possessions and travel documents taken by You on Your Trip.

  “Bankruptcy or Default” means the total cessation of operations due to insolvency, with or without the filing of a bankruptcy petition by an airline, or cruise line, tour operator or other travel provider provided the Bankruptcy or Default occurs more than 14 days following Your Effective Date for the Trip Cancellation Benefits. There is no coverage for the Bankruptcy or Default of any person, organization, agency or firm from whom You purchased Travel Arrangements supplied by others.

  “Business Partner” means an individual who a) is involved in a legal general partnership with You and b) is actively involved in the day to day management of Your business.

  “Common Carrier” means any land, sea, or air conveyance operating under a valid license for the transportation of passengers for hire.

  “Complications of Pregnancy” means conditions (when the pregnancy is not terminated) whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy. These conditions include acute nephritis, nephrosis, cardiac decompensation, missed abortion and similar medical and surgical conditions of comparable severity. Complications of Pregnancy also include nonelective cesarean section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible.

  Complications of Pregnancy does not include false labor, occasional spotting, Physician-prescribed rest during the period of pregnancy, morning sickness, hyperemesis gravidarum, preeclampsia and similar conditions associated with the management of a difficult pregnancy not constituting a nosologically distinct complication of pregnancy.
  *This definition changes for residents of the following states: Illinois, Oklahoma, Tennessee, Utah. Please click here to refer to your certificate of coverage.

  “Covered Accident” means an Accident that occurs while coverage is in force and results in a loss for which benefits are payable.

  “Covered Vehicle” means a private passenger vehicle (including mini-vans, pickup trucks and sport utility vehicles) which is registered or rented to You during Your Trip, which is rated 3⁄4 ton in weight or less, not used for racing, dealer services, dealer loaners, taxi, limousine, shuttle, delivery, hauling, towing, road repair service, construction service, snow removal, or as a public livery vehicle, or any other commercial use.

  “Domestic Partner” means an opposite or same sex partner who, for at least 12 consecutive months, has resided with You and shared financial assets/obligations with You. Both You and the Domestic Partner must: (1) intend to be life partners; (2) be at least the age of consent in the state in which You both reside; and (3) be mentally competent to contract. Neither You nor the Domestic Partner can be related by blood to a degree of closeness that would prohibit a legal marriage, be married to anyone else, or have any other Domestic Partner. The Company may require proof of the Domestic Partner relationship in the form of a signed and completed affidavit of domestic partnership.
  *This definition changes for residents of the following states: Louisiana. Please click here to refer to your certificate of coverage.

  “Economy Transportation” means the lowest published available transportation rate for a ticket on a Common Carrier matching the original class of transportation that You purchased for Your Trip.

  “Elective Treatment and Procedures” means any medical treatment or surgical procedure that is not medically necessary, including any service, treatment, or supplies that are deemed by the federal, or a state or local government authority, or by Us to be research or experimental or that is not recognized as a generally accepted medical practice.

  “Excluded Country” means one of the following countries from which Non-Medical Emergency Evacuations are not available such as Afghanistan, Chechnya, Democratic Republic of the Congo, Iran, Iraq, Israel West Bank, Israel Gaza Strip, Ivory Coast Lebanon, Libya, North Korea, Somalia, Sudan, Syria, or any country subject to the administration and enforcement of U.S. economic embargoes and trade sanctions by the OFFICE OF FOREIGN ASSET CONTROLS (OFAC);

  “Family Member” means any of the following who resides in the United States, Canada, or Mexico: Your or Your Traveling Companion’s legal spouse (or commonlaw spouse where legal), legal guardian or ward, son or daughter (adopted, foster, step or in-law), brother or sister (includes step or in-law), parent (includes step or in-law), grandparent (includes in-law), grandchild, aunt, uncle, niece or nephew, Domestic Partner.
  *This definition changes for residents of the following states: Louisiana, Rhode Island, Utah. Please click here to refer to your certificate of coverage.

  “Home” means Your primary place of residence.

  “Hospital” means a) a place which is licensed or recognized as a general hospital by the proper authority of the state in which it is located: b) a place operated for the care and treatment of resident inpatients with a registered graduate nurse (RN) always on duty and with a laboratory and X-ray facility: c) a place recognized as a general hospital by the Joint Commission on the Accreditation of Hospitals. Not included is a hospital or institution licensed or used principally: (1) for the treatment or care of drug addicts or alcoholics: or (2) as a clinic continued or extended care facility, skilled nursing facility, convalescent home, rest home, nursing home or home for the aged.

  “Inclement Weather” means any weather condition that delays the scheduled arrival or departure of a Common Carrier.

  “Injury” or “Injuries” means bodily harm caused by an Accident which: 1) occurs while Your coverage is in effect under the Policy; and 2) requires examination and treatment by a Legally Qualified Physician. The Injury must be the direct cause of loss and must be independent of all other causes and must not be caused by, or result from, Sickness.
  *This definition changes for residents of the following states: Illinois. Please click here to refer to your certificate of coverage.

  “Insured” means a person(s) who is booked to travel on a Trip, and for whom the required premium is paid, also referred to as You and Your.

  “Intoxicated” mean a blood alcohol level that equals or exceeds the legal limit for operating a motor vehicle in the state or jurisdiction where You are located at the time of an incident.

  “Legally Qualified Physician” means a physician: a) other than You, a Traveling Companion or a Family Member; b) practicing within the scope of his or her license; and c) recognized as a physician in the place where the services are rendered.

  “Maximum Benefit Amount” means the maximum amount payable for coverage provided to You as shown in the Schedule of Benefits.

  “Medically Fit to Travel” means based on assessment a Legally Qualified Physician has advised You, a Traveling Companion, Family Member or Business Partner booked to travel with You in writing that there is no medical condition, illness, Injury or Sickness that would likely interfere with a Trip at the time of purchase of Coverage for a Trip.

  “Medically Necessary” means a service which is appropriate and consistent with the treatment of the condition in accordance with accepted standards of community practice.
  *This definition changes for residents of the following states: Maine. Please click here to refer to your certificate of coverage.

  “Medical Treatment” means examination and treatment by a Legally Qualified Physician for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted reasonable person to seek diagnosis, care or treatment.

  “Natural Disaster” means a flood, hurricane, tornado, earthquake, mudslide, tsunami, avalanche, landslide, volcanic eruption, fire, wildfire or blizzard that is due to natural causes.

  “Payments or Deposits” means the cash, check, or credit card amounts, actually paid for Your Trip.

  “Pre-Existing Condition” means an illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or Family Member scheduled or booked to travel with You : 1)received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Policy.
  *This definition changes for residents of the following states: Illinois, Nebraska, Wyoming. Please click here to refer to your certificate of coverage.

  “Published Penalties” means any published cancellation penalties levied by Your travel agency or travel supplier that apply to all clients of the travel agency or travel supplier and can be documented at time of Your purchase of Travel Arrangements from Your travel agency. The maximum amount reimbursable for travel agency published penalties is 10% of the total trip cost excluding taxes and other non-commissionable items.

  “Scheduled Departure Date” means the date on which You are originally scheduled to leave on Your Trip.

  “Scheduled Return Date” means the date on which You are originally scheduled to return to the point of origin or the
  original final destination of Your Trip.

  “Sickness” means an illness or disease of the body which: 1) requires examination and treatment by a Legally Qualified Physician, and 2) commences while Your coverage is in effect. An illness or disease of the body which first manifests itself and then worsens or becomes acute prior to the Effective Date of Your coverage is not a Sickness and is considered a Pre-Existing Condition as defined herein and is not covered by the Policy.

  “Strike” means any organized and legally sanctioned labor disagreement resulting in a stoppage of work: a) as a result of a combined effort of workers which was unannounced and unpublished at the time travel services were purchased; and b) which interferes with the normal departure and arrival of a Common Carrier.

  “Terrorist Incident” means an act of violence, that is deemed terrorism by the United States Government other than civil disorder or riot (that is not an act of war, declared or undeclared) that results in loss of life or major damage to property, by any person acting alone or in association with other persons on behalf of or in connection with any organization of foreign government which is generally recognized as having the intent to overthrow or influence the control of any other foreign government. The Terrorist Incident must be documented in a Travel Warning issued by the United States’ Department of State advising Americans to avoid that certain country.
  *This definition changes for residents of the following states: Georgia. Please click here to refer to your certificate of coverage.

  “Third Party” means a person or entity other than You or the Company.

  “Transportation Expense” means the cost of Medically Necessary conveyance, personnel, and services or supplies.

  “Travel Arrangements” means: a) transportation; b) accommodations; and c) other specified services arranged for Your Trip.

  “Travel Advisory or Travel Warning” means U.S. State Department communication advising caution in traveling to specified destinations due to reasons such as armed violence, civil or political unrest, high incidence of crime (specially kidnapping and/or murder), natural disaster or outbreak of one or more contagious diseases.

  “Traveling Companion” means a person or persons whose names appear with Yours on the same Travel Arrangements and who, during Your Trip, will accompany You. A group or tour organizer, sponsor or leader is not a Traveling Companion as defined, unless sharing accommodations in the same room, cabin, condominium unit, apartment unit or other lodging with You.

  “Travel Supplier” means any entity or organization that coordinates or supplies travel services for You.

  “Trip” means a scheduled trip for which coverage for Travel Arrangements is requested and the premium is paid prior to Your actual or Scheduled Departure Date of Your Trip, a scheduled trip of 90 days or less and a trip of 100 miles or more from Your primary residence for which the premium is paid.

  “Us”, “We”, “Our” means United States Fire Insurance Company.

  “Usual and Customary Charges” means those comparable charges for similar treatment, services and supplies in the geographic area where treatment is performed.
  *This definition changes for residents of the following states: Vermont. Please click here to refer to your certificate of coverage.

• Exclusions
  Benefits are not payable for any loss due to, arising or resulting from:

  1. suicide, attempted suicide or any intentionally self-inflicted injury of You, a Traveling Companion, Family Member or Business Partner booked to travel with You, while sane or insane;

  2. an act of declared or undeclared war;

  3. participating in maneuvers or training exercises of an armed service, except while participating in weekend or summer training for the reserve forces of the United States, including the National Guard;

  4. riding or driving in races, or speed or endurance competitions or events;

  5. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);

  6. participating as a member of a team in an organized sporting competition or participating as a professional in a stunt, athletic or sporting event or competition;

  7. participating in skydiving or parachuting, parasailing, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heliskiing mountaineering, any race, speed contests not including any of the regatta races, spelunking or caving, hot air ballooning, or scuba diving if the depth exceeds 120 feet (40 meters) or if You are not certified to dive and a dive master is not present during the dive;

  8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

  9. being Intoxicated as defined herein, or under the influence of any controlled substance unless as administered or prescribed by a Legally Qualified Physician;

  10. the commission of or attempt to commit a felony or being engaged in an illegal occupation;

  11. normal childbirth or pregnancy (except Complications of Pregnancy) or voluntarily induced abortion;

  12. dental treatment (except as coverage is otherwise specifically provided herein);

  13. amounts which exceed the Maximum Benefit Amount for each coverage as shown in the Schedule of Benefits;

  14. due to a Pre-Existing Condition, as defined in the Policy. The Pre-Existing Condition Limitation does not apply to the Emergency Medical Evacuation or return of remains coverage;

  15. any amount paid or payable under any Worker’s Compensation, Disability Benefit or similar law;

  16. a loss or damage caused by detention, confiscation or destruction by customs;

  17. Elective Treatment and Procedures;

  18. medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment;

  19. an assessment from a Legally Qualified Physician advising You in writing that You , a Traveling Companion, Family Member or Business Partner booked to travel with You are not Medically Fit to Travel, as defined in the Policy, at the time of purchase of Coverage for a Trip.

  PRE-EXISTING CONDITION EXCLUSION:

  The Company will not pay for any expense as a result of any illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or Family Member scheduled or booked to travel with You: 1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this Exclusion does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Policy.

  Waiver of the Pre-Existing Condition Exclusion

  The exclusion for Pre-Existing Condition will be waived provided:

  a) Your Payment or Deposit for this Policy and enrollment form are received within 20 days of the date Your initial Payment or Deposit for Your Trip is received; and

  b) You insure all Prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 20 days of the Payment or Deposit for those Travel Arrangements the cost of any subsequent Travel Arrangements (or any other Travel Arrangements not made through Your travel agent) added to Your Trip; and

  c) You are not disabled from travel at the time Your premium is paid.

  Non-Medical Emergency Evacuation Exclusions: We do not cover:

  1) loss or expense for a Non-Medical Emergency Evacuation Covered reason which took place in an Excluded Country;

  2) loss or expense recoverable under any other insurance or through an employer;

  3) loss or expense arising from or attributable to:

  a) fraudulent or criminal acts committed or attempted by You;

  b) alleged violation of the laws of the country You are visiting, unless We determine such allegations to be fraudulent, or

  c) failure to maintain required documents or visas;

  4) loss or expense arising from or attributable to:

  a) debt, insolvency, business or commercial failure;

  b) the repossession of any property; or

  c) Your non-compliance with a contract, license or permit;

  5) loss or expense arising from or due to liability assumed by You under any contract.

  Additional Limitations and Exclusions Specific to Baggage and Personal Effects: Benefits are not payable for any loss caused by or resulting from:

  a) breakage of brittle or fragile articles;

  b) wear and tear or gradual deterioration;

  c) confiscation or appropriation by order of any government or custom’s rule;

  d) theft or pilferage while left in any unlocked vehicle;

  e) property illegally acquired, kept, stored or transported;

  f) Your negligent acts or omissions; or

  g) property shipped as freight or shipped prior to the Scheduled Departure Date;

  Baggage and Personal Effects does not include:

  1) animals;

  2) automobiles and automobile equipment;

  3) boats or other vehicles or conveyances;

  4) trailers;

  5) motors;

  6) aircraft;

  7) bicycles, except when checked as baggage with a Common Carrier;

  8) household effects and furnishings;

  9) antiques and collectors items;

  10) sunglasses, contact lenses, artificial teeth, dentures, dental bridges, retainers, or hearing aids;

  11) artificial limbs or other prosthetic devices;

  12) prescribed medications;

  13) keys, money, stamps and credit cards (except as otherwise specifically covered herein);

  14) securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein);

  15) professional or occupational equipment or property, whether or not electronic business equipment; or

  16) telephones or PDA devices , computer hardware or software;

  *These exclusions change for the following states: Connecticut, Illinois, Maine, Minnesota, Nebraska, Ohio, Oklahoma, Rhode Island, South Dakota, Utah, Vermont, Wyoming. Please click here to refer to your certificate of coverage.