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

  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 or service animal, that is so disabling as to cause a reasonable person to cancel their covered trip 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 your 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;

  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 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

  c. You are on a list as a donor or recipient for an organ transplant and, after the effective date, receives 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.

  TRIP INTERRUPTION

  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 interrupted after 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, a family member traveling with you or service animal, that is so disabling as to cause a reasonable person to interrupt their covered trip 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 or they require your immediate care. Such disability must be so disabling as to reasonably cause a covered trip to be 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 interrupt their covered trip to assume daily management of the business. Such disability must be certified by a physician;

  4. Occurring to the guide/outfitter for your covered trip. The benefit applies if the guide/outfitter is the only one available for the covered trip; and the sickness or injury must be certified by a physician;

  5. Sickness, injury, death or hospitalization occurring to your host at destination. A physician must certify the sickness or injury; or

  6. 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 and must be verified by medical records; and

  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.