Included in Trip Cancellation and Trip Interruption
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.
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.
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.
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 which they have been diagnosed with or exposed to.