Extension of Coverage is a travel insurance benefit that extends your insurance coverage if your return date is delayed or pushed back for reasons outside of your control. Most travel insurance policies can be extended for a short amount of time if you’re unexpectedly stuck at your destination for and can’t travel home as scheduled.
Travel insurance providers will typically extend all coverage, except for Trip Cancellation, for a predetermined period of time. This includes any delay, baggage, interruption, and health benefits your plan may include.
Extension of Coverage can be useful if a medical emergency or severe weather prevents you from returning home as planned. With that said, there are a variety of other covered scenarios in which your travel insurance can be extended.
Many travel insurance companies that offer Extension of Coverage will allow policyholders to extend their policy for a variety of different reasons.
While eligibility requirements often vary by policy, most plans will allow coverage extensions if the follow scenarios apply:
You can reference a policy’s Certificate of Insurance at any time to learn more about a specific plan’s Extension of Coverage limitations and exclusions.
Depending on the travel insurance policy, coverage can typically be extended for 5-10 days, or until the traveler is fit to return home, whichever comes first. Select policies have more generous coverage, and can be extended 30 days or more.
Most single-trip travel insurance plans will extend automatically. Since this is a standard benefit, extended coverage is unlikely to impact your premium if your reason for the extension is covered by your policy.
If you exceed your extension period, or you choose to extend your trip voluntarily, you may need to purchase additional coverage. If you are currently traveling and have questions about coverage extensions, we recommend contacting your travel insurance provider directly through their 24 Hour Assistance Service number.
Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Extension Of Coverage coverage.
Aegis | ||
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Policy Name and Summary of Coverage | Full Policy Wording | |
1 |
Coverage can extend up to 7 days |
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D. EXTENSION OF COVERAGE: All coverage under this Policy will be extended if: This extension of coverage will terminate the earlier of: In no event will coverage be extended due to voluntary reasons without prior consent from the Administrator. Termination will not negate a claim already pending. |
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2 |
Coverage can extend up to 7 days
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D. EXTENSION OF COVERAGE: All coverage under this Policy will be extended if: 1. the Insured’s entire Covered Trip is covered by this Policy; and 2. the Insured’s return is delayed by unavoidable circumstances beyond his/her control. This extension of coverage will terminate the earlier of: a. the date the Insured reaches his/her originally scheduled return Destination; b. seven days after the Scheduled Date of Return.In no event will coverage be extended due to voluntary reasons without prior consent from the Administrator. Termination will not negate a claim already pending. |
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3 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE: All coverage under the Policy except Trip Cancellation will be extended if: a) Your entire Covered Trip is covered by the Policy; and b) Your return is delayed by an Unforeseen Event specified under Trip Cancellation, Trip Interruption or Trip Delay. If coverage is extended for the above referenced reasons, coverage will end on the earliest of: a) the date You reach Your return destination; or b) 7 days after the date the Covered Trip was scheduled to be completed. |
Arch RoamRight | ||
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Policy Name and Summary of Coverage | Full Policy Wording | |
4 |
Coverage can extend up to 7 days |
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All coverages under the policy will be extended if Your entire Trip is covered by the policy and Your return is delayed due to unavoidable circumstances beyond Your control. If coverage is extended for the above reasons, coverage will end on the earlier of the date You reach Your originally scheduled return destination or seven (7) days after the Scheduled Return Date. |
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5 |
Coverage can extend up to 7 days |
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All coverages under the policy will be extended if Your entire Trip is covered by the policy and Your return is delayed due to unavoidable circumstances beyond Your control. If coverage is extended for the above reasons, coverage will end on the earlier of the date You reach Your originally scheduled return destination or seven (7) days after the Scheduled Return Date. |
Berkshire Hathaway Travel Protection | ||
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Policy Name and Summary of Coverage | Full Policy Wording | |
6 |
Coverage can extend up to 7 days
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Extending Coverage All coverage (except Trip Cancellation) will be extended, if: a) the Insured’s entire Trip is covered by the plan; and b) the Insured’s return is delayed by one of the Unforeseen events specified under Trip Cancellation and Interruption or Trip Delay. Request for extension of coverage will not be permitted if there is any known claimable event on the policy and the Insured does not identify this at the time of extension. This extension of coverage will end on: a) the date the Insured reaches his/her Return Destination; or b) 7 days after the date the Trip was scheduled to be completed. |
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7 |
Coverage can extend up to 7 days
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Medical and Evacuation Extension of Coverage: If the Insured or Traveling Companion is Hospitalized beyond the date coverage ends, due to an Injury or Sickness that first occurred during the course of the Trip, coverage under the Emergency Medical Expense and Emergency Evacuation & Repatriation of Remains benefits will be extended until the Insured or Traveling Companion is released from the Hospital or until the maximum benefit as listed in the Schedule is paid. Baggage Extension of Coverage: If an Insured’s Baggage, passports, or visas are in the charge of a Common Carrier and delivery is delayed, coverage for Baggage and Personal Effects will be extended to the earliest of: a) the time the Common Carrier delivers the property to the Insured; or Extension of all other coverages will end on the earliest of: a) the date the Insured reaches their Return Destination; or |
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8 |
Coverage can extend up to 7 days
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Extending Coverage All coverage (except Trip Cancellation) will be extended, if: a) the Insured’s entire Trip is covered by the plan; and b) the Insured’s return is delayed by one of the Unforeseen events specified under Trip Cancellation and Interruption or Trip Delay. Request for extension of coverage will not be permitted if there is any known claimable event on the policy and the Insured does not identify this at the time of extension. This extension of coverage will end on: a) the date the Insured reaches his/her Return Destination; or b) 7 days after the date the Trip was scheduled to be completed. |
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9 |
Coverage can extend up to 7 days
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The policy will be extended, if: a) the Insured’s entire Trip is covered by the policy; and b) the Insured’s return is delayed by one of the Unforeseen Covered Events specified under Trip Cancellation and Interruption or Trip Delay; or c) The Insured requests an extension of coverage prior to the original end date through the Travel Insurance Administrator and pays all required additional premium. Request for extension of coverage will not be permitted if there is any known claimable event on the policy whether the Insured identifies this at the time of extension or not. Medical and Evacuation Extension of Coverage: If the Insured or Traveling Companion is Hospitalized beyond the date coverage ends, due to an Injury or Sickness that first occurred during the course of the Trip, coverage under the Emergency Medical Expense and Emergency Evacuation & Repatriation of Remains benefits will be extended until the Insured or Traveling Companion is released from the Hospital or until the maximum benefit as listed in the Schedule is paid. Baggage Extension of Coverage: If an Insured’s Baggage, passports, or visas are in the charge of a Common Carrier and delivery is delayed, coverage for Baggage and Personal Effects will be extended to the earliest of: (a) the time the Common Carrier delivers the property to the Insured; or Extension of all other coverages will end on the earliest of: (a) the date the Insured reaches their Return Destination; or |
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10 |
Coverage can extend up to 7 days
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Extending Coverage All coverage (except Trip Cancellation and Cancel for Any Reason) will be extended, if: a) the Insured’s entire Trip is covered by the plan; and b) the Insured’s return is delayed by one of the Unforeseen events specified under Trip Cancellation and Interruption or Trip Delay. Request for extension of coverage will not be permitted if there is any known claimable event on the policy and the Insured does not identify this at the time of extension. This extension of coverage will end on: a) the date the Insured reaches his/her Return Destination; or b) 7 days after the date the Trip was scheduled to be completed. |
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11 |
Coverage can extend up to 7 days
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Medical and Evacuation Extension of Coverage: If the Insured or Traveling Companion is Hospitalized beyond the date coverage ends, due to an Injury or Sickness that first occurred during the course of the Trip, coverage under the Emergency Medical Expense and Emergency Evacuation & Repatriation of Remains benefits will be extended until the Insured or Traveling Companion is released from the Hospital or until the maximum benefit as listed in the Schedule is paid. Baggage Extension of Coverage: If an Insured’s Baggage, passports, or visas are in the charge of a Common Carrier and delivery is delayed, coverage for Baggage and Personal Effects will be extended to the earliest of: a) the time the Common Carrier delivers the property to the Insured; or Extension of all other coverages will end on the earliest of: a) the date the Insured reaches their Return Destination; or |
Cat 70 | ||
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Policy Name and Summary of Coverage | Full Policy Wording | |
12 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE: All coverage under the Policy except Trip Cancellation will be extended if: a) Your entire Covered Trip is covered by the Policy; and b) Your return is delayed by an Unforeseen Event specified under Trip Cancellation, Trip Interruption or Trip Delay. If coverage is extended for the above referenced reasons, coverage will end on the earliest of: a) the date You reach Your return destination; or b) 7 days after the date the Covered Trip was scheduled to be completed. |
Detour Insurance | ||
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Policy Name and Summary of Coverage | Full Policy Wording | |
13 |
Coverage can extend up to 5 days
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EXTENDED COVERAGE – Coverage will be extended under the following conditions, should they occur during the journey to the return destination or to a different destination: (a) If You are unavoidably delayed up to five (5) days in traveling on the Scheduled Return Date due to a reason covered under this Policy, coverage will be extended for the period of time needed to arrive at the point of origin or to a different final destination. In no event will coverage be extended for unscheduled extensions to Your Trip for which premium has not been paid in advance. |
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14 |
Coverage can extend up to 5 days
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EXTENDED COVERAGE – Coverage will be extended under the following conditions, should they occur during the journey to the return destination or to a different destination: (a) If You are unavoidably delayed up to five (5) days in traveling on the Scheduled Return Date due to a reason covered under this Policy, coverage will be extended for the period of time needed to arrive at the point of origin or to a different final destination. In no event will coverage be extended for unscheduled extensions to Your Trip for which premium has not been paid in advance. |
IMG | ||
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Policy Name and Summary of Coverage | Full Policy Wording | |
15 |
Coverage can extend up to 10 days
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EXTENSION OF COVERAGE Automatic Extension of Coverage All coverages except Trip Cancellation will be extended if Your entire Trip is covered by this policy and Your return is delayed due to unavoidable circumstances beyond Your control. This extension of coverage will end on the earlier of the date You reach Your originally scheduled Return Destination or ten (10) days after the originally Scheduled Return Date. Medical Evacuation and Repatriation Extension If You incur a covered Injury or Sickness on Your Trip and a treating Physician certifies that You are not Medically Fit to Travel to Your Return Destination on Your Scheduled Return Date, the Medical Evacuation and Repatriation benefit will be automatically extended until You are Medically Fit to Travel and transported to Your Primary Residence or You reached the Maximum Benefit Amount shown in the Schedule of Benefits. Accident and Sickness Medical Expense Extension If You are Hospitalized due to a covered Injury or Sickness on Your Trip and a treating Physician certifies that You are not Medically Fit to Travel to Your Return Destination on Your Scheduled Return Date, this benefit will be extended for an additional thirty (30) days, or until You are released from the Hospital and Medically Fit to Travel, or You reached the Maximum Benefit Amount shown in the Schedule of Benefits, whichever is earlier, provided that Hospitalization goes beyond the Scheduled Return Date. Benefits will not exceed the Maximum Benefit Amount shown in the Schedule of Benefits. |
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16 |
Coverage can extend up to 10 days
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EXTENSION OF COVERAGE Automatic Extension of Coverage All coverages except Trip Cancellation will be extended if Your entire Trip is covered by this policy and Your return is delayed due to unavoidable circumstances beyond Your control. This extension of coverage will end on the earlier of the date You reach Your originally scheduled Return Destination or ten (10) days after the originally Scheduled Return Date. Medical Evacuation and Repatriation Extension If You incur a covered Injury or Sickness on Your Trip and a treating Physician certifies that You are not Medically Fit toTravel to Your Return Destination on Your Scheduled Return Date, the Medical Evacuation and Repatriation benefit will be automatically extended until You are Medically Fit to Travel and transported to Your Primary Residence or You reached theMaximum Benefit Amount shown in the Schedule of Benefits. Accident and Sickness Medical Expense Extension If You are Hospitalized due to a covered Injury or Sickness on Your Trip and a treating Physician certifies that You are notMedically Fit to Travel to Your Return Destination on Your Scheduled Return Date, this benefit will be extended for an additional thirty (30) days, or until You are released from the Hospital and Medically Fit to Travel, or You reached the Maximum Benefit Amount shown in the Schedule of Benefits, whichever is earlier, provided that Hospitalization goes beyond the Scheduled Return Date. Benefits will not exceed the Maximum Benefit Amount shown in the Schedule of Benefits. |
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17 |
iTravelInsured Travel LX Basic Coverage can extend up to 10 days
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EXTENSION OF COVERAGE Automatic Extension of Coverage All coverages except Trip Cancellation will be extended if Your entire Trip is covered by this policy and Your return is delayed due to unavoidable circumstances beyond Your control. This extension of coverage will end on the earlier of the date You reach Your originally scheduled Return Destination or ten (10) days after the originally Scheduled Return Date. Medical Evacuation and Repatriation Extension If You incur a covered Injury or Sickness on Your Trip and a treating Physician certifies that You are not Medically Fit to Travel to Your Return Destination on Your Scheduled Return Date, the Medical Evacuation and Repatriation benefit will be automatically extended until You are Medically Fit to Travel and transported to Your Primary Residence or You reached the Maximum Benefit Amount shown in the Schedule of Benefits. Accident and Sickness Medical Expense Extension If You are Hospitalized due to a covered Injury or Sickness on Your Trip and a treating Physician certifies that You are not Medically Fit to Travel to Your Return Destination on Your Scheduled Return Date, this benefit will be extended for an additional thirty (30) days, or until You are released from the Hospital and Medically Fit to Travel, or You reached the Maximum Benefit Amount shown in the Schedule of Benefits, whichever is earlier, provided that Hospitalization goes beyond the Scheduled Return Date. Benefits will not exceed the Maximum Benefit Amount shown in the Schedule of Benefits. |
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18 |
iTravelInsured Travel Essential Coverage can extend up to 10 days
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Extension of Coverage: All coverages under the Policy will be extended if Your entire Trip is covered by the Policy and Your return is delayed due to unavoidable circumstances beyond Your control. If coverage is extended for the above reasons, coverage will finally end on the earlier of the date You reach Your originally scheduled return destination, or ten (10) days after the Scheduled Return Date. |
John Hancock Insurance Agency, Inc. | ||
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Policy Name and Summary of Coverage | Full Policy Wording | |
19 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE: All coverage under the Policy except Trip Cancellation will be extended if: a) Your entire Covered Trip is covered by the Policy; and b) Your return is delayed by an Unforeseen Event specified under Trip Cancellation, Trip Interruption or Trip Delay. If coverage is extended for the above referenced reasons, coverage will end on the earliest of: a) the date You reach Your return destination; or b) 7 days after the date the Covered Trip was scheduled to be completed. |
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20 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE: All coverage under the Policy except Trip Cancellation will be extended if: a) Your entire Covered Trip is covered by the Policy; and b) Your return is delayed by an Unforeseen Event specified under Trip Cancellation, Trip Interruption or Trip Delay. If coverage is extended for the above referenced reasons, coverage will end on the earliest of: a) the date You reach Your return destination; or b) 7 days after the date the Covered Trip was scheduled to be completed. |
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21 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE: All coverage under the Policy except Trip Cancellation will be extended if: a) Your entire Covered Trip is covered by the Policy; and b) Your return is delayed by an Unforeseen Event specified under Trip Cancellation, Trip Interruption or Trip Delay. If coverage is extended for the above referenced reasons, coverage will end on the earliest of: a) the date You reach Your return destination; or b) 7 days after the date the Covered Trip was scheduled to be completed. |
Seven Corners | ||
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Policy Name and Summary of Coverage | Full Policy Wording | |
22 |
Coverage can extend up to 10 days
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Automatic Extension of Coverage All coverages will be extended if Your entire Trip is covered by this policy and Your return is delayed due to unavoidable circumstances beyond Your control. This extension of coverage will end on the earlier of the date You reach Your originally scheduled Return Destination or 10 days after the originally Scheduled Return Date. Medical Evacuation and Repatriation Extension If You incur a covered Injury or Sickness on Your Trip and a treating Physician certifies that You are not Medically Fit to Travel to Your Return Destination on Your Scheduled Return Date, the Medical Evacuation and Repatriation benefit will be automatically extended until You are Medically Fit to Travel and transported to Your Primary Residence or You reached the Maximum Benefit Amount shown in the Schedule of Benefits. Accident and Sickness Medical Expense Extension If You are Hospitalized due to a covered Injury or Sickness on Your Trip and a treating Physician certifies that You are not Medically Fit to Travel to Your Return Destination on Your Scheduled Return Date, this benefit will be extended for an additional 30 days, or until You are released from the Hospital and Medically Fit to Travel, or You reached the Maximum Benefit Amount shown in the Schedule of Benefits, whichever is earlier, provided that Hospitalization goes beyond the Scheduled Return Date |
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23 |
Coverage can extend up to 5 days
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Extension of Coverage: All coverages under this Policy will be extended if Your entire Trip is covered by this Policy and Your return is delayed due to unavoidable circumstances beyond Your control. This extension of coverage will end on the earlier of the date You reach Your originally scheduled return destination or 5 days after the Scheduled Return Date. This Policy will not be cancelled by the Company. |
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24 |
Coverage can extend up to 5 days
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Extension of Coverage: All coverages under this Policy will be extended if Your entire Trip is covered by this Policy and Your return is delayed due to unavoidable circumstances beyond Your control. This extension of coverage will end on the earlier of the date You reach Your originally scheduled return destination or 5 days after the Scheduled Return Date. This Policy will not be cancelled by the Company. |
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25 |
Coverage can extend up to 10 days
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Automatic Extension of Coverage All coverages will be extended if Your entire Trip is covered by this policy and Your return is delayed due to unavoidable circumstances beyond Your control. This extension of coverage will end on the earlier of the date You reach Your originally scheduled Return Destination or 10 days after the originally Scheduled Return Date. Medical Evacuation and Repatriation Extension Accident and Sickness Medical Expense Extension If You are Hospitalized due to a covered Injury or Sickness on Your Trip and a treating Physician certifies that You are not Medically Fit to Travel to Your Return Destination on Your Scheduled Return Date, this benefit will be extended for an additional 30 days, or until You are released from the Hospital and Medically Fit to Travel, or You reached the Maximum Benefit Amount shown in the Schedule of Benefits, whichever is earlier, provided that Hospitalization goes beyond the Scheduled Return Date |
Tin Leg | ||
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Policy Name and Summary of Coverage | Full Policy Wording | |
26 |
Coverage can extend up to 7 days
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Extending Coverage All coverage (except Trip Cancellation) will be extended, if: a) the Insured’s entire Trip is covered by the plan; and b) the Insured’s return is delayed by one of the Unforeseen events specified under Trip Cancellation and Interruption or Trip Delay. Request for extension of coverage will not be permitted if there is any known claimable event on the policy and the Insured does not identify this at the time of extension. This extension of coverage will end on: a) the date the Insured reaches his/her Return Destination; or b) 7 days after the date the Trip was scheduled to be completed. |
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27 |
Coverage can extend up to 7 days
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The policy will be extended, if: a) the Insured’s entire Trip is covered by the policy; and Request for extension of coverage will not be permitted if there is any known claimable event on the policy whether the Insured identifies this at the time of extension or not. Medical and Evacuation Extension of Coverage: If the Insured or Traveling Companion is Hospitalized beyond the date coverage ends, due to an Injury or Sickness that first occurred during the course of the Trip, coverage under the Emergency Medical Expense and Emergency Evacuation & Repatriation of Remains benefits will be extended until the Insured or Traveling Companion is released from the Hospital or until the maximum benefit as listed in the Schedule is paid. Baggage Extension of Coverage: If an Insured’s Baggage, passports, or visas are in the charge of a Common Carrier and delivery is delayed, coverage for Baggage and Personal Effects will be extended to the earliest of: a) the time the Common Carrier delivers the property to the Insured; or Extension of all other coverages will end on the earliest of: a) the date the Insured reaches their Return Destination; or |
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28 |
Coverage can extend up to 7 days
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Extending Coverage All coverage (except Trip Cancellation) will be extended, if: a) the Insured’s entire Trip is covered by the plan; and b) the Insured’s return is delayed by one of the Unforeseen events specified under Trip Cancellation and Interruption or Trip Delay. Request for extension of coverage will not be permitted if there is any known claimable event on the policy and the Insured does not identify this at the time of extension. This extension of coverage will end on: a) the date the Insured reaches his/her Return Destination; or b) 7 days after the date the Trip was scheduled to be completed. |
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29 |
Coverage can extend up to 7 days
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The policy will be extended, if: a) the Insured’s entire Trip is covered by the policy; and b) the Insured’s return is delayed by one of the Unforeseen Covered Events specified under Trip Cancellation and Interruption or Trip Delay; or c) The Insured requests an extension of coverage prior to the original end date through the Travel Insurance Administrator and pays all required additional premium. Request for extension of coverage will not be permitted if there is any known claimable event on the policy whether the Insured identifies this at the time of extension or not. Medical and Evacuation Extension of Coverage: If the Insured or Traveling Companion is Hospitalized beyond the date coverage ends, due to an Injury or Sickness that first occurred during the course of the Trip, coverage under the Emergency Medical Expense and Emergency Evacuation & Repatriation of Remains benefits will be extended until the Insured or Traveling Companion is released from the Hospital or until the maximum benefit as listed in the Schedule is paid. Baggage Extension of Coverage: If an Insured’s Baggage, passports, or visas are in the charge of a Common Carrier and delivery is delayed, coverage for Baggage and Personal Effects will be extended to the earliest of: a) the time the Common Carrier delivers the property to the Insured; or Extension of all other coverages will end on the earliest of: a) the date the Insured reaches their Return Destination; or |
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30 |
Coverage can extend up to 7 days
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Extending Coverage All coverage (except Trip Cancellation and Cancel for Any Reason) will be extended, if: a) the Insured’s entire Trip is covered by the plan; and b) the Insured’s return is delayed by one of the Unforeseen events specified under Trip Cancellation and Interruption or Trip Delay. Request for extension of coverage will not be permitted if there is any known claimable event on the policy and the Insured does not identify this at the time of extension. This extension of coverage will end on: a) the date the Insured reaches his/her Return Destination; or b) 7 days after the date the Trip was scheduled to be completed. |
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31 |
Coverage can extend up to 7 days
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The policy will be extended, if: a) the Insured’s entire Trip is covered by the policy; and b) the Insured’s return is delayed by one of the Unforeseen Covered Events specified under Trip Cancellation and Interruption or Trip Delay; or c) The Insured requests an extension of coverage prior to the original end date through the Travel Insurance Administrator and pays all required additional premium. Request for extension of coverage will not be permitted if there is any known claimable event on the policy whether the Insured identifies this at the time of extension or not. Medical and Evacuation Extension of Coverage: If the Insured or Traveling Companion is Hospitalized beyond the date coverage ends, due to an Injury or Sickness that first occurred during the course of the Trip, coverage under the Emergency Medical Expense and Emergency Evacuation & Repatriation of Remains benefits will be extended until the Insured or Traveling Companion is released from the Hospital or until the maximum benefit as listed in the Schedule is paid. Baggage Extension of Coverage: If an Insured’s Baggage, passports, or visas are in the charge of a Common Carrier and delivery is delayed, coverage for Baggage and Personal Effects will be extended to the earliest of: a) the time the Common Carrier delivers the property to the Insured; or b) the date the property is documented by the Common Carrier as lost, stolen or damaged. Extension of all other coverages will end on the earliest of: a) the date the Insured reaches their Return Destination; or b) 7 days after the date the Trip was scheduled to be completed. |
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32 |
Coverage can extend up to 7 days
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Extending Coverage All coverage (except Trip Cancellation and Cancel for Any Reason) will be extended, if: a) the Insured’s entire Trip is covered by the plan; and b) the Insured’s return is delayed by one of the Unforeseen events specified under Trip Cancellation and Interruption or Trip Delay. Request for extension of coverage will not be permitted if there is any known claimable event on the policy and the Insured does not identify this at the time of extension. This extension of coverage will end on: a) the date the Insured reaches his/her Return Destination; or b) 7 days after the date the Trip was scheduled to be completed. |
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33 |
Coverage can extend up to 7 days
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The policy will be extended, if: a) the Insured’s entire Trip is covered by the policy; and Request for extension of coverage will not be permitted if there is any known claimable event on the policy whether the Insured identifies this at the time of extension or not. Medical and Evacuation Extension of Coverage: If the Insured or Traveling Companion is Hospitalized beyond the date coverage ends, due to an Injury or Sickness that first occurred during the course of the Trip, coverage under the Emergency Medical Expense and Emergency Evacuation & Repatriation of Remains benefits will be extended until the Insured or Traveling Companion is released from the Hospital or until the maximum benefit as listed in the Schedule is paid. Baggage Extension of Coverage: If an Insured’s Baggage, passports, or visas are in the charge of a Common Carrier and delivery is delayed, coverage for Baggage and Personal Effects will be extended to the earliest of: a) the time the Common Carrier delivers the property to the Insured; or Extension of all other coverages will end on the earliest of: a) the date the Insured reaches their Return Destination; or |
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34 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE: All coverage under the Policy except Trip Cancellation will be extended if: a) Your entire Covered Trip is covered by the Policy; and b) Your return is delayed by an Unforeseen Event specified under Trip Cancellation, Trip Interruption or Trip Delay. If coverage is extended for the above referenced reasons, coverage will end on the earliest of: a) the date You reach Your return destination; or b) 7 days after the date the Covered Trip was scheduled to be completed. |
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35 |
Coverage can extend up to 7 days
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LATE RETURN COVERAGE All coverages except Trip Cancellation will be extended, if: a. Your entire covered trip is covered by the plan; and b. Your return is delayed by inclement weather or any of the unforeseen events listed in Trip Cancellation, Trip Interruption or Trip Delay.This extension of coverage will end on the earlier of: a. The date you reach your return destination; or b. Seven (7) days after the date the covered trip was scheduled to be completed.If, due to restrictions by a common carrier or a physician, you cannot return home before this extension ends, coverage will be extended for an additional thirty (30) days, or until the first time such restrictions are removed (whichever is earlier), and will remain effective while you travel to the return destination. |
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36 |
Coverage can extend up to 7 days
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LATE RETURN COVERAGE All coverages except Trip Cancellation will be extended, if: a. Your entire covered trip is covered by the plan; and b. Your return is delayed by inclement weather or any of the unforeseen events listed in Trip Cancellation, Trip Interruption or Trip Delay.This extension of coverage will end on the earlier of: a. The date you reach your return destination; or b. Seven (7) days after the date the covered trip was scheduled to be completed.If, due to restrictions by a common carrier or a physician, you cannot return home before this extension ends, coverage will be extended for an additional thirty (30) days, or until the first time such restrictions are removed (whichever is earlier), and will remain effective while you travel to the return destination. |
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37 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE: All coverage under the Policy except Trip Cancellation and Trip Cancellation for Any Reason will be extended if: a. Your entire Covered Trip is covered by the Policy; and b. Your return is delayed by an Unforeseen Event specified under Trip Cancellation, Trip Interruption or Trip Delay.If coverage is extended for the above referenced reasons, coverage will end on the earliest of: a. the date You reach Your Return Destination; or b. 7 days after the date the Covered Trip was scheduled to be completed, unless Hospitalized. Emergency Medical Evacuation, if required, would be covered. |
Travel Insured International | ||
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Policy Name and Summary of Coverage | Full Policy Wording | |
38 |
Coverage can extend up to 7 days
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Automatic Extension of Coverage All coverages will be extended if Your entire Trip is covered by this policy and Your return is delayed due to unavoidable circumstances beyond Your control. This extension of coverage will end on the earlier of the date You reach Your originally scheduled Return Destination or 7 days after the originally Scheduled Return Date. |
Travelex Insurance Services | ||
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Policy Name and Summary of Coverage | Full Policy Wording | |
39 |
Coverage can extend up to 7 days
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Extending Coverage All coverage (except Trip Cancellation) will be extended, if: a) the Insured’s entire Trip is covered by the plan; and b) the Insured’s return is delayed by one of the Unforeseen events specified under Trip Cancellation and Interruption or Trip Delay. Request for extension of coverage will not be permitted if there is any known claimable event on the policy and the Insured does not identify this at the time of extension. This extension of coverage will end on: a) the date the Insured reaches his/her Return Destination; or b) 7 days after the date the Trip was scheduled to be completed. |
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40 |
Coverage can extend up to 7 days
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The policy will be extended, if: a) the Insured’s entire Trip is covered by the policy; and b) the Insured’s return is delayed by one of the Unforeseen Covered Events specified under Trip Cancellation and Interruption or Trip Delay; or c) The Insured requests an extension of coverage prior to the original end date through the Travel Insurance Administrator and pays all required additional premium. Request for extension of coverage will not be permitted if there is any known claimable event on the policy whether the Insured identifies this at the time of extension or not. Medical and Evacuation Extension of Coverage: If the Insured or Traveling Companion is Hospitalized beyond the date coverage ends, due to an Injury or Sickness that first occurred during the course of the Trip, coverage under the Emergency Medical Expense and Emergency Evacuation & Repatriation of Remains benefits will be extended until the Insured or Traveling Companion is released from the Hospital or until the maximum benefit as listed in the Schedule is paid. Baggage Extension of Coverage: If an Insured’s Baggage, passports, or visas are in the charge of a Common Carrier and delivery is delayed, coverage for Baggage and Personal Effects will be extended to the earliest of: a) the time the Common Carrier delivers the property to the Insured; or Extension of all other coverages will end on the earliest of: a) the date the Insured reaches their Return Destination; or |
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41 |
Coverage can extend up to 7 days
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Extending Coverage All coverage (except Trip Cancellation and Cancel for Any Reason) will be extended, if: a) the Insured’s entire Trip is covered by the plan; and b) the Insured’s return is delayed by one of the Unforeseen events specified under Trip Cancellation and Interruption or Trip Delay. Request for extension of coverage will not be permitted if there is any known claimable event on the policy and the Insured does not identify this at the time of extension. This extension of coverage will end on: a) the date the Insured reaches his/her Return Destination; or b) 7 days after the date the Trip was scheduled to be completed. |
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42 |
Coverage can extend up to 7 days
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The policy will be extended, if: a) the Insured’s entire Trip is covered by the policy; and b) the Insured’s return is delayed by one of the Unforeseen Covered Events specified under Trip Cancellation and Interruption or Trip Delay; or c) The Insured requests an extension of coverage prior to the original end date through the Travel Insurance Administrator and pays all required additional premium. Request for extension of coverage will not be permitted if there is any known claimable event on the policy whether the Insured identifies this at the time of extension or not. Medical and Evacuation Extension of Coverage: Baggage Extension of Coverage: a) the time the Common Carrier delivers the property to the Insured; or b) the date the property is documented by the Common Carrier as lost, stolen or damaged. Extension of all other coverages will end on the earliest of: a) the date the Insured reaches their Return Destination; or b) 7 days after the date the Trip was scheduled to be completed. |
Trawick International | ||
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Policy Name and Summary of Coverage | Full Policy Wording | |
43 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE – Coverage will be extended under the following conditions, should they occur during the journey to the return destination or to a different destination: a) When You commence air travel from Your origination point: (i) within two (2) days before the commencement of the Travel Arrangements, coverage shall apply from the time of departure from the origination point; or (ii) greater than two (2) days before the commencement of the Travel Arrangements, the extension of coverage shall be provided only during Your air travel. b) If You return to Your origination point: (i) within two (2) days after the completion of the Travel Arrangements, coverage shall apply until the time of return to the origination point; or (ii) greater than two (2) days after the completion of the Travel Arrangements, the extension of coverage shall be provided only during Your air travel. c) If: a) Your entire Trip is covered by the Policy; and b) Your return is delayed by an event specified under Trip Cancellation, Trip Interruption or Trip Delay. This extension of coverage will end on the earlier of: a) the date You reach Your return destination; or b) seven (7) days after the date the Trip was scheduled to be completed. |
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44 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE – Coverage will be extended under the following conditions, should they occur during the journey to the return destination or to a different destination: a) When You commence air travel from Your origination point: (i) within two (2) days before the commencement of the Travel Arrangements, coverage shall apply from the time of departure from the origination point; or (ii) greater than two (2) days before the commencement of the Travel Arrangements, the extension of coverage shall be provided only during Your air travel. b) If You return to Your origination point: (i) within two (2) days after the completion of the Travel Arrangements, coverage shall apply until the time of return to the origination point; or (ii) greater than two (2) days after the completion of the Travel Arrangements, the extension of coverage shall be provided only during Your air travel. c) If: a) Your entire Trip is covered by the Policy; and b) Your return is delayed by an event specified under Trip Cancellation, Trip Interruption or Trip Delay. This extension of coverage will end on the earlier of: a) the date You reach Your return destination; or b) seven (7) days after the date the Trip was scheduled to be completed. |
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45 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE – Coverage will be extended under the following conditions, should they occur during the journey to the return destination or to a different destination: a) When You commence air travel from Your origination point: (i) within two (2) days before the commencement of the Travel Arrangements, coverage shall apply from the time of departure from the origination point; or (ii) greater than two (2) days before the commencement of the Travel Arrangements, the extension of coverage shall be provided only during Your air travel. b) If You return to Your origination point: (i) within two (2) days after the completion of the Travel Arrangements, coverage shall apply until the time of return to the origination point; or (ii) greater than two (2) days after the completion of the Travel Arrangements, the extension of coverage shall be provided only during Your air travel. c) If: (a) Your entire Trip is covered by the Policy; and (b) Your return is delayed by an event specified under Trip Cancellation, Trip Interruption or Trip Delay. This extension of coverage will end on the earlier of: (a) the date You reach Your return destination; or (b) seven (7) days after the date the Trip was scheduled to be completed. |
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46 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE: All coverage under the Policy except Trip Cancellation will be extended if: a) Your entire Covered Trip is covered by the Policy; and If coverage is extended for the above referenced reasons, coverage will end on the earliest of: a) the date You reach Your Return Destination; or If You are hospitalized beyond Your Scheduled Return Date, this coverage will be extended to the earlier of: |
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47 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE: All coverage under the Policy except Trip Cancellation will be extended if: a. Your entire Covered Trip is covered by the Policy; and If coverage is extended for the above referenced reasons, coverage will end on the earliest of: a. the date You reach Your Return Destination; or If You are hospitalized beyond Your Scheduled Return Date, this coverage will be extended to the earlier of: a. When all benefits payable have been depleted/exhausted; |
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48 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE: All coverage under the Policy except Trip Cancellation and Trip Cancellation for Any Reason will be extended if: a) Your entire Covered Trip is covered by the Policy; and b) Your return is delayed by an Unforeseen Event specified under Trip Cancellation, Trip Interruption or Trip Delay. If coverage is extended for the above referenced reasons, coverage will end on the earliest of: a) the date You reach Your Return Destination; or b) 7 days after the date the Covered Trip was scheduled to be completed, unless Hospitalized. Emergency Medical Evacuation, if required, would be covered. |
USI Affinity Travel Insurance Services | ||
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Policy Name and Summary of Coverage | Full Policy Wording | |
49 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE: All coverage under the Policy except Trip Cancellation and Trip Cancellation for Any Reason will be extended if: a) Your entire Covered Trip is covered by the Policy; and b) Your return is delayed by an Unforeseen Event specified under Trip Cancellation, Trip Interruption or Trip Delay. If coverage is extended for the above referenced reasons, coverage will end on the earliest of: a) the date You reach Your return destination; or b) 7 days after the date the Covered Trip was scheduled to be completed. |
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50 |
Coverage can extend up to 7 days
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EXTENDED COVERAGE: All coverage under the Policy except Trip Cancellation and Trip Cancellation for Any Reason will be extended if: a) Your entire Covered Trip is covered by the Policy; and b) Your return is delayed by an Unforeseen Event specified under Trip Cancellation, Trip Interruption or Trip Delay. If coverage is extended for the above referenced reasons, coverage will end on the earliest of: a) the date You reach Your return destination; or b) 7 days after the date the Covered Trip was scheduled to be completed. |
WorldTrips | ||
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Policy Name and Summary of Coverage | Full Policy Wording | |
51 |
Coverage can extend up to 30 days
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Extension of Coverage: Emergency Accident and Medical Expense: If You are hospitalized beyond Your Scheduled Return Date, this coverage will be extended to the earlier of: 1. When All Benefits payable have been depleted/exhausted; All other coverages under the Policy will be extended if Your entire Trip is covered by the Policy and Your return is delayed due to unavoidable circumstances beyond Your control. If coverage is extended for the above reasons, coverage will finally end on the earlier of the date You reach Your originally Scheduled Return Destination, or thirty (30) days after the Scheduled Return Date. |
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52 |
Coverage can extend up to 30 days
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Extension of Coverage: Emergency Accident and Medical Expense: If You are hospitalized beyond Your Scheduled Return Date, this coverage will be extended to the earlier of: 1. When All Benefits payable have been depleted/exhausted; All other coverages under the Policy will be extended if Your entire Trip is covered by the Policy and Your return is delayed due to unavoidable circumstances beyond Your control. If coverage is extended for the above reasons, coverage will finally end on the earlier of the date You reach Your originally Scheduled Return Destination, or thirty (30) days after the Scheduled Return Date. |
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53 |
Coverage can extend up to 30 days
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Extension of Coverage: Emergency Accident and Medical Expense: If You are hospitalized beyond Your Scheduled Return Date, this coverage will be extended to the earlier of: 1. When All Benefits payable have been depleted/exhausted; All other coverages under the Policy will be extended if Your entire Trip is covered by the Policy and Your return is delayed due to unavoidable circumstances beyond Your control. If coverage is extended for the above reasons, coverage will finally end on the earlier of the date You reach Your originally Scheduled Return Destination, or thirty (30) days after the Scheduled Return Date. |
Benefits
Additional Information