Terrorism

• Cancellation
  • Terrorism

  • Covered for foreign and domestic

• What is Terrorism?
  Terrorism reimburses travelers who need to cancel or interrupt their trip due to a terrorist attack.

• 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:

  7. 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 24 consecutive hours.

  12. A politically motivated Terrorist Incident that occurs within 30 days of Your departure and within 25 miles of a City listed on Your itinerary. The Terrorist Incident must occur on or after the Effective Date of Your Trip Cancellation Coverage.

  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:

  7. 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 24 consecutive hours.

  12. A politically motivated Terrorist Incident within 30 days of Your Scheduled Departure Date and within 25 miles of a City listed on Your itinerary.

  Terrorist Incident means an act of violence that is deemed terrorism by the U.S. Department of State, or that is committed by any person acting on behalf of, or in connection with, any organization which is classified as a Foreign Terrorist Organization by the U.S. Department of State. The following are not considered Terrorist Incidents: an act of war (declared or undeclared), Civil Disorder, or riot. Not all acts of violence, even when committed by known terrorist organizations, are considered Terrorist Incidents for the purpose of this definition. Any act of violence will only be declared a Terrorist Incident if/when the US Department of State declares it so.