Trip Interruption

• Cancellation
  • Trip Interruption

  • 150% of the trip cost

• What is Trip Interruption?
  Trip Interruption provides reimbursement for prepaid and non-refundable trip payments if a portion of a trip is missed, or the traveler must return home early due to unforeseen circumstances, including illness, injury, or death.

• What am I covered for?
  TRIP INTERRUPTION

  We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from continuing or resuming Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy.

  Trip Interruption Covered Expenses

  a) Forfeited, prepaid, non-refundable, and non-refunded published Payments that You paid for Your unused Land/Sea/Air Arrangements;

  b) Additional transportation expenses incurred by You, for travel by the most direct route to:

  i. Your scheduled Destination if Your departure is delayed and You leave after the Scheduled DepartureDate and time;

  ii. Rejoin Your Trip in progress from the point where You interrupted Your Trip;
  iii. The Return Destination of Your Trip.

  Benefits payable for additional transportation expenses will not exceed the cost of airfare (the same class airfare on which You were originally booked) less any refunds paid or payable.

  The following are the Unforeseen Events for Trip Interruption:

  Health and Family

  1. Any Injury or Sickness: Suffered by You, Your Traveling Companion, Your Immediate Family Member, or Your Traveling Companion’s Immediate Family Member, that is so disabling as to cause a reasonable person to interrupt the Covered Trip which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Covered Trip.

  2. Your Death or the Death of Your Traveling Companion or Your Immediate Family Member.

  Transportation and Accommodation

  3. Strike that causes complete cessation of travel services of Your Common Carrier for at least 48 consecutive hours.

  Weather

  4. Inclement Weather, Natural Disasters, Terrorist Incident or the Common Carrier’s mechanical breakdown that results in the complete cessation of travel services at the point of departure or Destination for at least 12 consecutive hours.

  5. Mandatory evacuation ordered by local authorities at Your Destination due to a Natural Disaster. You must have 50% or less of Your Covered Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable. We will only pay benefits for losses occurring within 30 calendar days after the evacuation order goes into effect.

  6. Natural Disaster or documented Man-made Disaster at the point of departure or Your Destination that renders Your Primary Residence or the accommodations at Your Destination Uninhabitable. We will only pay benefits for losses occurring within 30 calendar days after the Natural Disaster.

  Personal Safety and Security

  7. A politically motivated Terrorist Incident within 30 days of Your Scheduled Departure Date and within 30 miles of a City listed on Your itinerary.

  8. A documented theft of passports or visas. Documented means that You have reported the theft to the local authorities.

  9. You and/or Your Traveling Companion are hijacked.

  10. You and/or Your Traveling Companion are Quarantined.