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 reimburse You, up to the amount shown on the Schedule of Benefits, for Trip Cancellation Covered Expenses, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below. The Event must occur before You depart on Your Covered Trip and while Your coverage is in effect under this Policy.

  Trip Cancellation Covered Expenses

  a. Forfeited, Prepaid, non-refundable, and non-refunded published Payments or Deposits that You paid for Your unused Trip. Should You elect to reschedule Your Trip instead of cancelling, in lieu of covering these expenses We will pay for Change Fees charged by Your Travel Supplier;

  b. Fees incurred by You to reinstate any of the following used to pay for any part of Your Trip: traveler awards, frequent flyer miles or Hotel/Motel rewards;

  c. Airfare cancellation charges for flights in connection with Your Trip.

  Special Conditions: You must advise the Travel Supplier and Us as soon as reasonably possible in the event of a claim. We will not pay benefits for any additional charges incurred that would not have been charged had You notified the Travel Supplier and Us as soon as reasonably possible.

  The following are the Unforeseen Events for Trip Cancellation:

  Health and Family

  1. Any Injury or Sickness:

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

  2. An Accidental Injury suffered by You that causes You to be medically unable to continue Your Covered Trip’s activity(ies). An actual examination by a Physician must take place and the Physician must advise You to discontinue the Trip’s activity(ies).

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

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

  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. Airfare cancellation charges for flights in connection with Your Trip;

  c. Additional transportation expenses incurred to reach the Return Destination. Benefits will not exceed the cost of airfare (the same class airfare on which You were originally booked) less any refunds paid or payable;

  d. 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 Departure Date 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 or Your or Your Traveling Companion’s Immediate Family Member, that is so disabling as to cause a reasonable person to interrupt the Covered Trip or 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.

  3. An Accidental Injury incurred by You that causes You to be medically unable to continue Your Covered Trip’s activity(ies). An actual examination by a Physician must take place and the Physician must advise You to discontinue the Trip’s activity(ies).

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

  Quarantine means a mandatory confinement, intended to stop the spread of a contagious disease to which You or Your Traveling Companion may have been exposed. Quarantine does not include stay at home, shelter in place or other similar orders issued to the general public by local, state, or federal authorities.