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 pay you up to the maximum amount shown in the schedule of benefits for loss(es) incurred by you or your traveling companion for a covered trip cancelled up to the date and time of departure due to any of the following unforeseen events:
Health and Family
a. Any injury, death, or any unforeseen serious medical condition or sickness;
1. Occurring to you, your traveling companion or a family member traveling with you, that is so disabling as to cause a reasonable person to delay, cancel or interrupt their covered trip or which results in medically imposed restrictions as certified by a physician at the time of loss preventing your continued use of the covered trip;
2. Occurring to a family member not traveling with you that is considered life-threatening, as certified by a physician. Such disability must be so disabling as to reasonably cause a covered trip to be canceled and must be certified by a physician; orb. You or your traveling companion have complications of pregnancy. The onset of these conditions must occur after your effective date of coverage and must be verified by medical records.
Transportation and Accommodation
a. You and/or your traveling companion are directly involved in or delayed due to a traffic accident, while en route to your destination. Traffic accident must be substantiated by a police report;b. Strike causing cancellation or delay of your pre-arranged travel services for at least twenty-four (24) consecutive hours; that causes complete cessation of services of your common carrier for at least forty-eight (48) consecutive hours;
c. A road closure causing a delay in reaching your destination for at least twelve (12) hours; or
d. Complete or partial closure of the air traffic control tower or the airport from which you are scheduled to depart. Closure must be caused by fire or a power outage and must result in a delay of your covered trip for at least forty-eight (48) consecutive hours. This does not apply to closures caused by a natural disaster or inclement weather.
a. Weather at the departure site which causes complete cessation of services of your common carrier for at least forty-eight (48) consecutive hours and prevents you from reaching your destination.
a. You or your traveling companion legally adopts a child and the date of the placement or adoption falls during your covered trip; you or your traveling companion are traveling for the purpose of adopting a child, but the adoption is cancelled for reasons beyond your control. The adoption must be approved prior to the effective date.
Personal Safety and Security
a. You and/or your traveling companion being hijacked, quarantined in the location where you are intending to travel, required to serve on a jury, subpoenaed, or required to appear as a witness in a legal action, provided you or your traveling companion are not a party to the legal action or appearing as a law enforcement officer or the victim of felonious assault within ten (10) days of departure;b. You, your traveling companion or family member are kidnapped or disappear as substantiated by a police report and have not returned within ten (10) days of the scheduled departure date;
c. Theft of passports, travel documents, or visas specifically required for your covered trip within fourteen (14) days of the scheduled departure date. The theft must be substantiated by a police report; your or your traveling companion’s passport is not issued for a reason beyond your or yourbtraveling companion’s control. This does not apply if the application for a passport is a subsequent attempt for a visa that had been previously refused, or if the passport application is not submitted at least eight (8) weeks prior to the scheduled departure date; or
d. Cancellation of a covered trip as a result of: riot, or civil disorder at the departure site for at least forty-eight (48) consecutive hours preventing you from reaching your destination.
a. You or your traveling companion are called to active military duty to provide aid or relief in the event of a natural disaster, or military leave is revoked or reassigned within thirty (30) days of the scheduled departure date, except because of war, the War Powers Act, or disciplinary action. The military leave for the dates of travel must have been approved prior to the effective date.
Trip Cancellation Exclusions:
In addition to the General Limitations and Exclusions, the following exclusions apply to the Trip Cancellation Benefit. No benefits will be paid for any loss for, caused by, or resulting from:
a. Travel arrangements canceled by an airline, charter, cruise line, or tour operator, except as provided elsewhere in the plan;
b. Changes in plans by you, a family member, or your traveling companion, for any reason;
c. Financial circumstances of you, a family member, or your traveling companion;
d. Any business or contractual obligations of you, a family member, or your traveling companion, for any reason;
e. Any government regulation or prohibition;
f. An event which occurs prior to your coverage effective date;
g. Failure of any tour operator, common carrier, person or agency to provide the bargained-for travel arrangements or to refund money due you;
h. Financial default;
i. Traveling for the purpose of securing medical treatment;
j. Payments made for this policy; and
k. Pre-Existing medical condition exclusion: We will not pay for any loss or expense incurred as the result of an injury, sickness or other condition (including any condition from which death ensues) of you, your traveling companion or family member which, within the one hundred eighty (180) day period immediately preceding and including your coverage effective date: a) first manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; b) for which care or treatment was given or recommended by a physician; c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines.
PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER
The Company will waive the pre-existing medical condition exclusion if the following conditions are met:
a. This plan is purchased within fifteen (15) days of Initial trip Payment;
b. The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the trip at the time of purchase and the costs of any subsequent arrangements added to the same trip are insured within fifteen (15) days of the date of payment or deposit for any subsequent trip arrangements;
c. All insureds are medically able to travel when this plan cost is paid; and
d. The trip Cost does not exceed $10,000, per person (only applicable to trip Cancellation/Interruption/ Delay).
This coverage will be terminated and no benefits will be paid under this pre-existing medical condition exclusion waiver coverage if the full costs of all prepaid, non-refundable trip arrangements are not insured.
We will reimburse you, up to the Trip Cancellation or Trip Interruption maximum amount shown in the schedule of benefits, for the additional cost incurred during the covered trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with you has his/her trip canceled or interrupted due to any of the unforeseen events shown in the Trip Cancellation and Trip Interruption section and you do not cancel.