Cancel For Medical Reasons

• Cancellation
  • Cancel For Medical Reasons

  • Included in Trip Cancellation and Trip Interruption

• What is Cancel For Medical Reasons?
  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.

• What am I covered for?
  TRIP CANCELLATION

  The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured’s Trip is cancelled prior to the scheduled Departure Date and time for an Unforeseen Covered Event listed below. If the Insured has part of their trip cancelled or changed, prior to the scheduled departure date and time, the Company will reimburse for:

  a) Additional transportation expenses to reach the original Trip Destination; and
  b) Unused portion of the non-refundable pre-paid insured Trip Costs.

  The benefit payable under (a) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable.

  TRIP INTERRUPTION

  The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured’s Trip is interrupted after the scheduled Departure Date and time for an Unforeseen Covered Event listed below. The benefit will be limited to the:

  a) Unused portion of non-refundable pre-paid insured Trip Cost; and
  b) Additional transportation expenses to either the Return Destination; or from the place that the Insured left the Trip to the place that they may rejoin the Trip; or
  c) Additional transportation expenses to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date.

  The benefits payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable.

  UNFORESEEN COVERED EVENTS:

  Medical / Health

  a) Injury or Sickness:
  (1) Occurring to the Insured or a Traveling Companion that is so disabling as to cause a reasonable person to cancel or interrupt their Trip, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing continued participation in the Trip;
  (2) Occurring to a Family Member not traveling that is considered life-threatening, as certified by a Physician or they require the Insured’s immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;
  (3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician; or
  (4) Occurring to the Insured’s Host At Destination. A Physician must certify the Sickness or Injury.

  b) Death of the Insured, Traveling Companion, Family Member, Business Partner, or Host At Destination.

  c) The Insured or Traveling Companion, or their Child, is Quarantined.

  “Quarantined” means a period of medically imposed isolation that is issued by the treating Physician to stop the spread of a contagious disease or Sickness to which they have been diagnosed with or exposed to.