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 cancel 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;
3. Occurring to a business partner that is so disabling as to cause a reasonable person to cancel their covered trip to assume daily management of the business. Such disability must be certified by a physician;
4. Sickness, injury, death or hospitalization occurring to your host at destination. A physician must certify the sickness or injury; or
5. Occurring to a childcare provider if there is no other substitute for the childcare provider. A physician must certify the sickness or injury;b. You will be attending a family member’s or surrogate mother’s childbirth. The pregnancy must occur after the effective date and must be verified by medical records;
c. 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; or
d. You are on a list as a donor or recipient for an organ transplant and, after the effective date, receive official notification that an organ match is available for immediate transplant. The transplant must be considered medically necessary, and a physician must confirm that the transplant and/or surgery is so disabling as to prevent travel.
Transportation and Accommodation
a. You or your traveling companion are delayed due to a traffic accident while en route to your destination. The traffic accident must be substantiated by a police report;b. Mechanical/Equipment failure of a common carrier which results in a delay of your covered trip for at least forty-eight (48) consecutive hours;
c. 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;
d. A road closure causing a delay in reaching your destination for at least twelve (12) hours; or
e. 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;b. Your or your traveling companion’s primary residence being made uninhabitable or inaccessible by natural disaster, flood, tsunami, hurricane, tornado, earthquake, mudslide, avalanche, landslide, volcanic eruption, fire, wildfire or blizzard that is due to natural causes; Coverage for a hurricane applies only if insurance was purchased prior to the storm being upgraded to a hurricane;
c. Mandatory evacuation ordered by local authorities at your destination due to hurricane or other natural disaster for at least twenty-four (24) consecutive hours preventing you from staying at your destination; or
d. Named hurricane causing cancellation of travel to your destination because it has become uninhabitable for the greater of: (1) four (4) days or (2) fifty percent (50%) of your covered trip length. We will only pay benefits for losses occurring within fourteen (14) calendar days after the named hurricane makes your destination accommodations uninhabitable. Your destination accommodations are 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 hurricane is named on or before the effective date of your Trip Cancellation coverage or less than fourteen (14) days after the effective date of your Trip Cancellation coverage.
a. You or your traveling companion legally adopt 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 are or your traveling companion is 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 immediate family member are kidnapped or disappear during the covered trip 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 return date. The theft must be substantiated by a police report;
d. The U.S. Department of State issues a travel warning for travel to a destination specifically listed on your itinerary. The travel warning must be issued after your effective date;
e. A politically motivated terrorist incident occurs within 30 days of your scheduled departure date and within a fifty (50) mile radius of the territorial city limits of the city to be visited as shown in your itinerary and if the United States government issues a travel advisory indicating that Americans should not travel to a city named on the itinerary; or
f. Cancellation of a covered trip as a result of: riot, or civil disorder for at least forty-eight (48) consecutive hours preventing you from reaching your destination.
a. You or your traveling companion or parent or legal guardian if the insured is a child has an involuntary employer-initiated permanent transfer within the same organization of two hundred fifty (250) or more miles which requires your primary residence to be relocated provided that you have been an active employee for the same employer for at least three (3) continuous years. Notification of the transfer must occur after the effective date and the transfer must occur within thirty (30) days of the scheduled departure date;b. You or your traveling companion or parent or legal guardian if the insured is a child are involuntarily terminated or laid off through no fault of your own more than thirty (30) days after your effective date, provided that you have been an active employee with the same employer for at least three (3) continuous years. Termination must occur following the effective date. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons;
c. You or your traveling companion are required to work during the covered trip. You or your traveling companion must demonstrate proof of requirement to work, such as a notarized statement signed by an officer of your or your traveling companion’s employer and said employer must be comprised of at least twenty-five (25) employees. You or your traveling companion cannot be a company owner or partner. This benefit only applies if the policy has been purchased within fifteen (15) days of your initial payment for the covered trip;
d. You or your traveling companion are employed as a full time teacher or other full time employee, a student or parent of a student at a primary or secondary school and are required to complete an extended school year that falls on or beyond the scheduled departure date. School extensions due to extra-curricular or athletic events are not covered;
e. Your company is directly involved in a merger or acquisition. You must be an active employee of the company(ies) that is/are merging and you must be directly involved in such an event;
f. Your employer is deemed to be unsuitable for business due to burglary, or natural disaster and you or your traveling companion are directly involved as a key employee of the disaster recovery team. This coverage applies only if insurance was purchased within fifteen (15) calendar days of initial covered trip payment; or
g. 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.
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.