Financial Default Travel Insurance: Coverage & Plans

What is Financial Default Travel Insurance?

Financial Default is a travel insurance benefit that’s designed to protect your trip costs in the event your travel supplier suspends operations due to financial circumstances. This benefit typically applies if your cruise line, airline, or tour operator goes out of business before or during your trip.

Some travel insurance plans will offer Financial Default within its cancellation coverage. Plans that include this protection may reimburse up to 100% of your prepaid, non-refundable travel expenses if you need to cancel or interrupt your trip due to financial default.

It’s important to note that not all travel insurance policies include this coverage. Exclusions, limitations, and eligibility requirements for this benefit often differ by policy.

What Does Financial Default Mean in Travel Insurance?

Travel insurance companies typically have their own unique definition for financial default. Generally, financial default means that a common carrier or tour operator is forced to end their operations because they can no longer stay in business, regardless of whether or not they file for bankruptcy.

While this occurrence sounds rare, it’s more common than you may expect. As an example, one of Europe’s largest tour operators, FTI, filed for financial insolvency in 2023. This move impacted the travel plans for thousands of customers, leaving travelers from around the world scrambling to make new travel arrangements and recoup any related trip expenses.

What Does Financial Default Travel Insurance Cover?

If a travel insurance policy includes the Financial Default benefit, that means that financial default is listed as a covered reason under the plan’s Trip Cancellation and Trip Interruption benefits.

If you are forced to cancel or interrupt your travel plans due to bankruptcy or financial insolvency of a travel supplier, you may be eligible for up to 100% reimbursement of your prepaid, non-refundable trip costs. This benefit typically extends to airlines, cruise lines, tour operators, rental car agencies, and other travel entities.

If your airline suspends travel due to financial circumstances, but alternative transportation is available, some travel insurance plans will cover the change fee costs to book new airfare.

Eligibility Requirements for Financial Default

The majority of travel insurance providers will include specific requirements that must be met before you’re deemed eligible for this coverage. Requirements for specific plans can be referenced anytime within a policy’s Certificate of Insurance.

To be eligible for financial default coverage, you may need to meet the following criteria:

Purchase Date: As with other covered Trip Cancellation reasons, the related event must occur after your policy’s effective date.
Time-Sensitive Purchase: Financial Default is a time-sensitive benefit under some plans, meaning you need to buy travel insurance within 10-14 days of your initial trip payment to be covered.
Wait Period: Some plans may require a wait period, typically 10-30 days after your effective date, before coverage begins.
Trip Payment: While rare, a travel insurance provider may require you to purchase a plan prior to making your final trip payment to be eligible for Financial Default coverage.

Do All Trip Cancellation Policies Cover Financial Default?

No, not all travel insurance policies with Trip Cancellation coverage and Trip Interruption coverage will list financial default as a covered reason. If you’re concerned about a travel supplier going out of business, you can reference the table below, or use Squaremouth’s “Financial Default” filter to find travel protection that meets your needs.

If your travel insurance coverage does not include the Financial Default benefit, you may have other options available. Cancel for Any Reason is an optional benefit add-on that will partially reimburse you if you need to cancel for a reason not listed in your policy. Some travel credit cards may also include financial default cancellation coverage.

Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Financial Default coverage.

Looking for a policy with Financial Default coverage?

Enter your trip information on our custom quote form. Once you receive your results, select the Financial Default filter to find the best policy for your trip with the coverage that you need.

Financial Default by Provider

Last Updated: 12/18/2024

Aegis
Policy Name and Summary of Coverage		Full Policy Wording
1	Go Ready Trip Cancellation Covered if purchased before the final trip payment	1. PRE-DEPARTURE TRIP CANCELLATION BENEFIT The Insured’s coverage under the Pre-Departure Trip Cancellation Benefit will take effect as stated in SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE. If the Insured is prevented from taking his/her Covered Trip due to one of the Other Covered Events, We will reimburse the Insured a Pre-Departure Trip Cancellation Benefit, for the amount of Payments and Deposits that the Insured paid for his/her Covered Trip, less any refund paid or payable, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule. 2. POST-DEPARTURE TRIP INTERRUPTION BENEFIT (Optional Upgrade) Subject to SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE, the Insured’s coverage under the Post-Departure Trip Interruption Benefit will take effect on the Scheduled Date of Departure. Other Covered Event means an unforeseeable event or its consequences that: c. arrangements canceled by an airline, cruise line, rental car company, hotel, condominium, or motor coach company resulting from Financial Insolvency provided that: (1) the Insured’s premium for this coverage was received prior to or within 24 hours prior to or with Final Payment for his/her Covered Trip; Read Hide Full Policy Wording
	1. PRE-DEPARTURE TRIP CANCELLATION BENEFIT The Insured’s coverage under the Pre-Departure Trip Cancellation Benefit will take effect as stated in SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE. If the Insured is prevented from taking his/her Covered Trip due to one of the Other Covered Events, We will reimburse the Insured a Pre-Departure Trip Cancellation Benefit, for the amount of Payments and Deposits that the Insured paid for his/her Covered Trip, less any refund paid or payable, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule. 2. POST-DEPARTURE TRIP INTERRUPTION BENEFIT (Optional Upgrade) Subject to SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE, the Insured’s coverage under the Post-Departure Trip Interruption Benefit will take effect on the Scheduled Date of Departure. Other Covered Event means an unforeseeable event or its consequences that: c. arrangements canceled by an airline, cruise line, rental car company, hotel, condominium, or motor coach company resulting from Financial Insolvency provided that: (1) the Insured’s premium for this coverage was received prior to or within 24 hours prior to or with Final Payment for his/her Covered Trip; Read Hide Full Policy Wording
2	Go Ready Choice Covered after 14 day wait if purchased before the final trip payment	A. TRAVEL INCONVENIENCE PLAN 1. PRE-DEPARTURE TRIP CANCELLATION BENEFIT The Insured’s coverage under the Pre-Departure Trip Cancellation Benefit will take effect as stated in SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE. We will reimburse the Insured a Pre-Departure Trip Cancellation Benefit, if the Insured is prevented from taking his/her Covered Trip due to the Insured’s, or the Insured’s Family Member’s or Traveling Companion’s Sickness, or Covered Injury, or death; for: (i) the amount of Payments and Deposits that the Insured paid for his/her Covered Trip (reimbursement of Payments and Deposits is limited to the published cancellation penalties that the Insured was subject to at the time of the cancellation of a Covered Trip); up to the corresponding Maximum Covered Amount per Insured shown in the Schedule. If the Insured is prevented from taking his/her Covered Trip due to one of the Other Covered Events, We will reimburse the Insured a Pre-Departure Trip Cancellation Benefit, for the amount of Payments and Deposits that the Insured paid for his/her Covered Trip, less any refund paid or payable, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule. We will reimburse the Insured this Pre-Departure Trip Cancellation Benefit, only if the Sickness, or Covered Injury, or death, or Other Covered Event occurs before departure of the lnsured’s Covered Trip and commences while the lnsured’s coverage is in effect under this Policy. Any Sickness or Covered Injury must: (i) require the examination or treatment by a Physician and (ii) in the written opinion of the treating Physician, be so disabling as to prevent the lnsured from taking his/her Covered Trip; or in the case of the Insured’s non-traveling Family Member, be life threatening, or so severe as to require the Insured’s care. 2. POST-DEPARTURE TRIP INTERRUPTION BENEFIT Subject to SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE, the Insured’s coverage under the Post-Departure Trip Interruption Benefit will take effect on the Scheduled Date of Departure. We will reimburse a Post-Departure Trip Interruption Benefit, for the following covered expenses in this PostDeparture Trip Interruption Benefit section, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule, if: a. the lnsured’s arrival on his/her Covered Trip is delayed beyond the Scheduled Date of Departure due to the Insured’s, or the Insured’s Family Member’s or Traveling Companion’s Sickness, or Covered Injury, or death; or b. the lnsured is unable to continue on his/her Covered Trip after he/she has departed on his/her Covered Trip due to Sickness, Covered Injury, or death of the lnsured, or the Insured’s Family Member or Traveling Companion. Other Covered Event means an unforeseeable event or its consequences that: (i) is outside of the Insured’s control and outside of the control of the Insured’s Family Member traveling with the Insured, or Traveling Companion; (ii) prevents the Insured or the Insured’s Family Member traveling with the Insured, or Traveling Companion from traveling on or continuing his/her Covered Trip; and (iii) occurs while coverage is in effect under this Policy, and includes only the following unforeseeable events or their consequences that occur to the Insured , or the Insured’s Family Member traveling with the Insured or Traveling Companion: c. arrangements canceled by an airline, cruise line, rental car company, hotel, condominium, or motor coach company resulting from Financial Insolvency provided that: (1) the Insured’s premium for this coverage was received prior to the Insured’s Final Payment for his/her Covered Trip; and (2) the Financial Insolvency occurs more than 14 days following the Insured’s effective date for PreDeparture Trip Cancellation Benefit. Read Hide Full Policy Wording
	A. TRAVEL INCONVENIENCE PLAN 1. PRE-DEPARTURE TRIP CANCELLATION BENEFIT The Insured’s coverage under the Pre-Departure Trip Cancellation Benefit will take effect as stated in SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE. We will reimburse the Insured a Pre-Departure Trip Cancellation Benefit, if the Insured is prevented from taking his/her Covered Trip due to the Insured’s, or the Insured’s Family Member’s or Traveling Companion’s Sickness, or Covered Injury, or death; for: (i) the amount of Payments and Deposits that the Insured paid for his/her Covered Trip (reimbursement of Payments and Deposits is limited to the published cancellation penalties that the Insured was subject to at the time of the cancellation of a Covered Trip); up to the corresponding Maximum Covered Amount per Insured shown in the Schedule. If the Insured is prevented from taking his/her Covered Trip due to one of the Other Covered Events, We will reimburse the Insured a Pre-Departure Trip Cancellation Benefit, for the amount of Payments and Deposits that the Insured paid for his/her Covered Trip, less any refund paid or payable, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule. We will reimburse the Insured this Pre-Departure Trip Cancellation Benefit, only if the Sickness, or Covered Injury, or death, or Other Covered Event occurs before departure of the lnsured’s Covered Trip and commences while the lnsured’s coverage is in effect under this Policy. Any Sickness or Covered Injury must: (i) require the examination or treatment by a Physician and (ii) in the written opinion of the treating Physician, be so disabling as to prevent the lnsured from taking his/her Covered Trip; or in the case of the Insured’s non-traveling Family Member, be life threatening, or so severe as to require the Insured’s care. 2. POST-DEPARTURE TRIP INTERRUPTION BENEFIT Subject to SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE, the Insured’s coverage under the Post-Departure Trip Interruption Benefit will take effect on the Scheduled Date of Departure. We will reimburse a Post-Departure Trip Interruption Benefit, for the following covered expenses in this PostDeparture Trip Interruption Benefit section, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule, if: a. the lnsured’s arrival on his/her Covered Trip is delayed beyond the Scheduled Date of Departure due to the Insured’s, or the Insured’s Family Member’s or Traveling Companion’s Sickness, or Covered Injury, or death; or b. the lnsured is unable to continue on his/her Covered Trip after he/she has departed on his/her Covered Trip due to Sickness, Covered Injury, or death of the lnsured, or the Insured’s Family Member or Traveling Companion. Other Covered Event means an unforeseeable event or its consequences that: (i) is outside of the Insured’s control and outside of the control of the Insured’s Family Member traveling with the Insured, or Traveling Companion; (ii) prevents the Insured or the Insured’s Family Member traveling with the Insured, or Traveling Companion from traveling on or continuing his/her Covered Trip; and (iii) occurs while coverage is in effect under this Policy, and includes only the following unforeseeable events or their consequences that occur to the Insured , or the Insured’s Family Member traveling with the Insured or Traveling Companion: c. arrangements canceled by an airline, cruise line, rental car company, hotel, condominium, or motor coach company resulting from Financial Insolvency provided that: (1) the Insured’s premium for this coverage was received prior to the Insured’s Final Payment for his/her Covered Trip; and (2) the Financial Insolvency occurs more than 14 days following the Insured’s effective date for PreDeparture Trip Cancellation Benefit. Read Hide Full Policy Wording
3	Go Ready Pandemic Plus Covered after 14 day wait if purchased within 14 days of trip deposit	TRIP CANCELLATION We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy. Maximum trip length is also shown on the Schedule of Benefits. We will pay You for the following: a) The amount of forfeited, non-refundable, and unused Payments or Deposits; or b) Additional cost incurred if the Travel Supplier cancels Your Covered Trip due to an Unforeseen Event and You elect to utilize the service of a replacement Travel Supplier. In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits. 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. We will pay You: a) for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s); b) additional transportation expenses incurred by You; or c) return air travel up to the lesser of the cost of an economy flight or the amount shown on the Schedule of Benefits. In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits. The Following are the Unforeseen Events for Trip Cancellation and Trip Interruption: i) Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment. Read Hide Full Policy Wording
	TRIP CANCELLATION We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy. Maximum trip length is also shown on the Schedule of Benefits. We will pay You for the following: a) The amount of forfeited, non-refundable, and unused Payments or Deposits; or b) Additional cost incurred if the Travel Supplier cancels Your Covered Trip due to an Unforeseen Event and You elect to utilize the service of a replacement Travel Supplier. In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits. 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. We will pay You: a) for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s); b) additional transportation expenses incurred by You; or c) return air travel up to the lesser of the cost of an economy flight or the amount shown on the Schedule of Benefits. In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits. The Following are the Unforeseen Events for Trip Cancellation and Trip Interruption: i) Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment. Read Hide Full Policy Wording

Arch RoamRight
Policy Name and Summary of Coverage		Full Policy Wording
4	Pro Covered after 14 day wait if purchased within 14 days of trip deposit	TRIP CANCELLATION We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the amount of the unused Non-Refundable prepaid Payments or Deposits for the Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to departure for a covered Unforeseen reason. TRIP INTERRUPTION AND DELAYED ARRIVAL We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, prepaid NonRefundable Payments or Deposits for Your land or water Travel Arrangements, plus the Additional Transportation Cost paid to: a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel; or b) rejoin Your Trip from the point where You interrupted Your Trip or transport You to Your originally scheduled return destination; for a covered Unforeseen reason “Other Covered Events” means: k. Bankruptcy or Default of an airline, or cruise line, or tour operator, other than an organization or firm from whom You purchased Travel Arrangements supplied by others causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. Coverage for this Other Covered Event only applies if Your payment for this policy is received within the Time Sensitive Period; “Time Sensitive Period” means within 14 days of the date Your initial deposit/payment for Your Trip is received. Read Hide Full Policy Wording
	TRIP CANCELLATION We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the amount of the unused Non-Refundable prepaid Payments or Deposits for the Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to departure for a covered Unforeseen reason. TRIP INTERRUPTION AND DELAYED ARRIVAL We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, prepaid NonRefundable Payments or Deposits for Your land or water Travel Arrangements, plus the Additional Transportation Cost paid to: a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel; or b) rejoin Your Trip from the point where You interrupted Your Trip or transport You to Your originally scheduled return destination; for a covered Unforeseen reason “Other Covered Events” means: k. Bankruptcy or Default of an airline, or cruise line, or tour operator, other than an organization or firm from whom You purchased Travel Arrangements supplied by others causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. Coverage for this Other Covered Event only applies if Your payment for this policy is received within the Time Sensitive Period; “Time Sensitive Period” means within 14 days of the date Your initial deposit/payment for Your Trip is received. Read Hide Full Policy Wording
5	Pro Plus Covered after 14 day wait if purchased within 21 days of trip deposit	TRIP CANCELLATION We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the amount of the unused Non-Refundable prepaid Payments or Deposits for the Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to departure for a covered Unforeseen reason. TRIP INTERRUPTION AND DELAYED ARRIVAL We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, prepaid NonRefundable Payments or Deposits for Your land or water Travel Arrangements, plus the Additional Transportation Cost paid to: a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel; or b) rejoin Your Trip from the point where You interrupted Your Trip or transport You to Your originally scheduled return destination; for a covered Unforeseen reason. “Other Covered Events” means: l. Bankruptcy or Default of an airline, or cruise line, or tour operator, other than an organization or firm from whom You purchased Travel Arrangements supplied by others causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. Coverage for this Other Covered Event only applies if Your payment for this policy is received within the Time Sensitive Period; “Time Sensitive Period” means within 21 days of the date Your initial deposit/payment for Your Trip is received. Read Hide Full Policy Wording
	TRIP CANCELLATION We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the amount of the unused Non-Refundable prepaid Payments or Deposits for the Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to departure for a covered Unforeseen reason. TRIP INTERRUPTION AND DELAYED ARRIVAL We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, prepaid NonRefundable Payments or Deposits for Your land or water Travel Arrangements, plus the Additional Transportation Cost paid to: a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel; or b) rejoin Your Trip from the point where You interrupted Your Trip or transport You to Your originally scheduled return destination; for a covered Unforeseen reason. “Other Covered Events” means: l. Bankruptcy or Default of an airline, or cruise line, or tour operator, other than an organization or firm from whom You purchased Travel Arrangements supplied by others causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. Coverage for this Other Covered Event only applies if Your payment for this policy is received within the Time Sensitive Period; “Time Sensitive Period” means within 21 days of the date Your initial deposit/payment for Your Trip is received. Read Hide Full Policy Wording

AXA Assistance USA
Policy Name and Summary of Coverage		Full Policy Wording
6	Silver Covered after 10 day wait	TRIP CANCELLATION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 15. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than ten (10) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. TRIP INTERRUPTION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits , subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You: 15. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. Read Hide Full Policy Wording
	TRIP CANCELLATION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 15. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than ten (10) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. TRIP INTERRUPTION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits , subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You: 15. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. Read Hide Full Policy Wording
7	Gold Covered after 10 day wait	TRIP CANCELLATION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 15. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than ten (10) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. TRIP INTERRUPTION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits , subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You: 15. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. Read Hide Full Policy Wording
	TRIP CANCELLATION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 15. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than ten (10) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. TRIP INTERRUPTION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits , subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You: 15. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. Read Hide Full Policy Wording
8	Platinum Covered after 10 day wait	TRIP CANCELLATION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 18. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than ten (10) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. TRIP INTERRUPTION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits , subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You: 18. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. Read Hide Full Policy Wording
	TRIP CANCELLATION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 18. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than ten (10) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. TRIP INTERRUPTION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits , subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You: 18. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. Read Hide Full Policy Wording

Berkshire Hathaway Travel Protection
Policy Name and Summary of Coverage		Full Policy Wording
9	ExactCare Covered after 14 day wait if purchased within 15 days of trip deposit	TRIP CANCELLATION AND INTERRUPTION Benefit will be provided for loss(es) incurred by the Insured for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events: Transportation and Accommodation a) Financial Default of an airline, Cruise line, Common Carrier or tour operator provided that: 1) The insurance was purchased within 15 days of Initial Trip Payment; and 2) Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits. The Insurer will not cover Losses resulting from a Financial Default of any person, organization, agency, or firm that solicited Your travel arrangements to you. Read Hide Full Policy Wording
	TRIP CANCELLATION AND INTERRUPTION Benefit will be provided for loss(es) incurred by the Insured for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events: Transportation and Accommodation a) Financial Default of an airline, Cruise line, Common Carrier or tour operator provided that: 1) The insurance was purchased within 15 days of Initial Trip Payment; and 2) Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits. The Insurer will not cover Losses resulting from a Financial Default of any person, organization, agency, or firm that solicited Your travel arrangements to you. Read Hide Full Policy Wording
10	ExactCare Covered after 14 day wait if purchased within 15 days of trip deposit	TRIP CANCELLATION The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured’s Trip is cancelled prior to the scheduled Departure Date and time for an Unforeseen Covered Event listed below. If the Insured has part of their trip cancelled or changed, prior to the scheduled departure date and time, the Company will reimburse for: (a) Additional transportation expenses to reach the original Trip Destination; and (b) Unused portion of the non-refundable pre-paid insured Trip Costs. The benefit payable under (a) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable. TRIP INTERRUPTION The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured’s Trip is interrupted after the scheduled Departure Date and time for an Unforeseen Covered Event listed below. The benefit will be limited to the: a) Unused portion of non-refundable pre-paid insured Trip Cost; and b) Additional transportation expenses to either the Return Destination; or from the place that the Insured left the Trip to the place that they may rejoin the Trip; or c) Additional transportation expenses to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date. The benefits payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable. UNFORESEEN COVERED EVENTS: The Financial Default of a Travel Supplier, provided all of the following conditions are met: (1) This policy is purchased within the Early Purchase Window; and (2) The default occurs more than 14 days following the Policy Effective Date. The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit for Financial Default shown in the Schedule. If the Insured books with a comparable Travel Supplier, the Company will pay for the additional expenses to book with the new Travel Supplier. The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, Travel Supplier, or firm that directly procured travel arrangements for the Insured. EARLY PURCHASE WINDOW: Within 15 days of Initial Trip Payment. Read Hide Full Policy Wording
	TRIP CANCELLATION The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured’s Trip is cancelled prior to the scheduled Departure Date and time for an Unforeseen Covered Event listed below. If the Insured has part of their trip cancelled or changed, prior to the scheduled departure date and time, the Company will reimburse for: (a) Additional transportation expenses to reach the original Trip Destination; and (b) Unused portion of the non-refundable pre-paid insured Trip Costs. The benefit payable under (a) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable. TRIP INTERRUPTION The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured’s Trip is interrupted after the scheduled Departure Date and time for an Unforeseen Covered Event listed below. The benefit will be limited to the: a) Unused portion of non-refundable pre-paid insured Trip Cost; and b) Additional transportation expenses to either the Return Destination; or from the place that the Insured left the Trip to the place that they may rejoin the Trip; or c) Additional transportation expenses to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date. The benefits payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable. UNFORESEEN COVERED EVENTS: The Financial Default of a Travel Supplier, provided all of the following conditions are met: (1) This policy is purchased within the Early Purchase Window; and (2) The default occurs more than 14 days following the Policy Effective Date. The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit for Financial Default shown in the Schedule. If the Insured books with a comparable Travel Supplier, the Company will pay for the additional expenses to book with the new Travel Supplier. The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, Travel Supplier, or firm that directly procured travel arrangements for the Insured. EARLY PURCHASE WINDOW: Within 15 days of Initial Trip Payment. Read Hide Full Policy Wording
11	ExactCare Value Covered after 14 day wait if purchased within 15 days of trip deposit	TRIP CANCELLATION AND INTERRUPTION Benefit will be provided for loss(es) incurred by You for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events: Transportation and Accommodation a) Financial Default of an airline, Cruise line, Common Carrier or tour operator provided that: (1) The insurance was purchased within 15 days of Initial Trip Payment; and (2) Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits. The Insurer will not cover Losses resulting from a Financial Default of any person, organization, agency, or firm that solicited Your travel arrangements to you. Read Hide Full Policy Wording
	TRIP CANCELLATION AND INTERRUPTION Benefit will be provided for loss(es) incurred by You for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events: Transportation and Accommodation a) Financial Default of an airline, Cruise line, Common Carrier or tour operator provided that: (1) The insurance was purchased within 15 days of Initial Trip Payment; and (2) Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits. The Insurer will not cover Losses resulting from a Financial Default of any person, organization, agency, or firm that solicited Your travel arrangements to you. Read Hide Full Policy Wording
12	ExactCare Value Covered after 14 day wait if purchased within 15 days of trip deposit	TRIP CANCELLATION The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured’s Trip is cancelled prior to the scheduled Departure Date and time for an Unforeseen Covered Event listed below. If the Insured has part of their trip cancelled or changed, prior to the scheduled departure date and time, the Company will reimburse for: (a) Additional transportation expenses to reach the original Trip Destination; and (b) Unused portion of the non-refundable pre-paid insured Trip Costs. The benefit payable under (a) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable. TRIP INTERRUPTION The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured’s Trip is interrupted after the scheduled Departure Date and time for an Unforeseen Covered Event listed below. The benefit will be limited to the: a) Unused portion of non-refundable pre-paid insured Trip Cost; and b) Additional transportation expenses to either the Return Destination; or from the place that the Insured left the Trip to the place that they may rejoin the Trip; or c) Additional transportation expenses to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date. The benefits payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable. UNFORESEEN COVERED EVENTS: The Financial Default of a Travel Supplier, provided all of the following conditions are met: (1) This policy is purchased within the Early Purchase Window; and (2) The default occurs more than 14 days following the Policy Effective Date. The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit for Financial Default shown in the Schedule. If the Insured books with a comparable Travel Supplier, the Company will pay for the additional expenses to book with the new Travel Supplier. The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, Travel Supplier, or firm that directly procured travel arrangements for the Insured. EARLY PURCHASE WINDOW: Within 15 days of Initial Trip Payment. Read Hide Full Policy Wording
	TRIP CANCELLATION The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured’s Trip is cancelled prior to the scheduled Departure Date and time for an Unforeseen Covered Event listed below. If the Insured has part of their trip cancelled or changed, prior to the scheduled departure date and time, the Company will reimburse for: (a) Additional transportation expenses to reach the original Trip Destination; and (b) Unused portion of the non-refundable pre-paid insured Trip Costs. The benefit payable under (a) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable. TRIP INTERRUPTION The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured’s Trip is interrupted after the scheduled Departure Date and time for an Unforeseen Covered Event listed below. The benefit will be limited to the: a) Unused portion of non-refundable pre-paid insured Trip Cost; and b) Additional transportation expenses to either the Return Destination; or from the place that the Insured left the Trip to the place that they may rejoin the Trip; or c) Additional transportation expenses to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date. The benefits payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable. UNFORESEEN COVERED EVENTS: The Financial Default of a Travel Supplier, provided all of the following conditions are met: (1) This policy is purchased within the Early Purchase Window; and (2) The default occurs more than 14 days following the Policy Effective Date. The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit for Financial Default shown in the Schedule. If the Insured books with a comparable Travel Supplier, the Company will pay for the additional expenses to book with the new Travel Supplier. The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, Travel Supplier, or firm that directly procured travel arrangements for the Insured. EARLY PURCHASE WINDOW: Within 15 days of Initial Trip Payment. Read Hide Full Policy Wording
13	LuxuryCare Covered after 14 day wait if purchased within 15 days of trip deposit	TRIP CANCELLATION AND INTERRUPTION Benefit will be provided for loss(es) incurred by You for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events: Transportation and Accommodation a) Financial Default of an airline, Cruise line, Common Carrier or tour operator provided that: 1) The insurance was purchased with 15 days of Initial Trip Payment; and 2) Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits. The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, or firm that solicited Your travel arrangements to you. Read Hide Full Policy Wording
	TRIP CANCELLATION AND INTERRUPTION Benefit will be provided for loss(es) incurred by You for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events: Transportation and Accommodation a) Financial Default of an airline, Cruise line, Common Carrier or tour operator provided that: 1) The insurance was purchased with 15 days of Initial Trip Payment; and 2) Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits. The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, or firm that solicited Your travel arrangements to you. Read Hide Full Policy Wording
14	LuxuryCare Covered after 14 day wait if purchased within 15 days of trip deposit	TRIP CANCELLATION The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured’s Trip is cancelled prior to the scheduled Departure Date and time for an Unforeseen Covered Event listed below. If the Insured has part of their trip cancelled or changed, prior to the scheduled departure date and time, the Company will reimburse for: a) Additional transportation expenses to reach the original Trip Destination; and b) Unused portion of the non-refundable pre-paid insured Trip Costs. The benefit payable under (a) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable. TRIP INTERRUPTION The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured’s Trip is interrupted after the scheduled Departure Date and time for an Unforeseen Covered Event listed below. The benefit will be limited to the: a) Unused portion of non-refundable pre-paid insured Trip Cost; and b) Additional transportation expenses to either the Return Destination; or from the place that the Insured left the Trip to the place that they may rejoin the Trip; or c) Additional transportation expenses to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date. The benefits payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable. UNFORESEEN COVERED EVENTS: The Financial Default of a Travel Supplier, provided all of the following conditions are met: (1) This policy is purchased within the Early Purchase Window; and (2) The default occurs more than 14 days following the Policy Effective Date. The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit for Financial Default shown in the Schedule. If the Insured books with a comparable Travel Supplier, the Company will pay for the additional expenses to book with the new Travel Supplier. The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, Travel Supplier, or firm that directly procured travel arrangements for the Insured. EARLY PURCHASE WINDOW: Within 15 days of Initial Trip Payment. Read Hide Full Policy Wording
	TRIP CANCELLATION The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured’s Trip is cancelled prior to the scheduled Departure Date and time for an Unforeseen Covered Event listed below. If the Insured has part of their trip cancelled or changed, prior to the scheduled departure date and time, the Company will reimburse for: a) Additional transportation expenses to reach the original Trip Destination; and b) Unused portion of the non-refundable pre-paid insured Trip Costs. The benefit payable under (a) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable. TRIP INTERRUPTION The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured’s Trip is interrupted after the scheduled Departure Date and time for an Unforeseen Covered Event listed below. The benefit will be limited to the: a) Unused portion of non-refundable pre-paid insured Trip Cost; and b) Additional transportation expenses to either the Return Destination; or from the place that the Insured left the Trip to the place that they may rejoin the Trip; or c) Additional transportation expenses to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date. The benefits payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable. UNFORESEEN COVERED EVENTS: The Financial Default of a Travel Supplier, provided all of the following conditions are met: (1) This policy is purchased within the Early Purchase Window; and (2) The default occurs more than 14 days following the Policy Effective Date. The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit for Financial Default shown in the Schedule. If the Insured books with a comparable Travel Supplier, the Company will pay for the additional expenses to book with the new Travel Supplier. The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, Travel Supplier, or firm that directly procured travel arrangements for the Insured. EARLY PURCHASE WINDOW: Within 15 days of Initial Trip Payment. Read Hide Full Policy Wording
15	ExactCare Lite No coverage	There is no Financial Default coverage with this plan. Read Hide Full Policy Wording
	There is no Financial Default coverage with this plan. Read Hide Full Policy Wording

Cat 70
Policy Name and Summary of Coverage	Full Policy Wording
16	Travel Plan Covered after 14 day wait if purchased within 14 days of trip deposit	We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy. Maximum trip length is also shown on the Schedule of Benefits. Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment. Read Hide Full Policy Wording
	We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy. Maximum trip length is also shown on the Schedule of Benefits. Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment. Read Hide Full Policy Wording

Cat 70

Policy Name and Summary of Coverage

Full Policy Wording

Travel Plan

Covered after 14 day wait if purchased within 14 days of trip deposit

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy. Maximum trip length is also shown on the Schedule of Benefits.

Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment.

Read Hide Full Policy Wording

Detour Insurance
Policy Name and Summary of Coverage		Full Policy Wording
17	@the edge Covered after 14 day wait	TRIP CANCELLATION AND TRIP INTERRUPTION: The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 15. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than fourteen (14) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. Read Hide Full Policy Wording
	TRIP CANCELLATION AND TRIP INTERRUPTION: The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 15. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than fourteen (14) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. Read Hide Full Policy Wording
18	@the edge plus Covered after 14 day wait	TRIP CANCELLATION AND TRIP INTERRUPTION: The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 15. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than fourteen (14) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. Read Hide Full Policy Wording
	TRIP CANCELLATION AND TRIP INTERRUPTION: The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 15. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than fourteen (14) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. Read Hide Full Policy Wording

Generali Global Assistance
Policy Name and Summary of Coverage		Full Policy Wording
19	Preferred Covered after 14 day wait if purchased before the final trip payment	TRIP CANCELLATION BENEFIT Benefits will be paid, up to the amount in the Schedule, for the forfeited, prepaid, non-refundable, non-refunded and unused published Payments that you paid for your Trip, if you are prevented from taking your Trip due to one of the following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy. Covered Events: 3. Common Carrier delays and/or cancellations resulting from Financial Insolvency, provided you purchased this coverage prior to or within 24 hours of your final Payment for your Trip; TRIP INTERRUPTION BENEFIT If your arrival on your Trip is delayed beyond your Scheduled Departure Date, or if you are unable to continue the Trip due to one of the unforeseeable Covered Events listed below that occur during your Trip dates to you or your Traveling Companion, we will reimburse you for the unused, non-refundable land or water arrangements prepaid to the Travel Supplier prior to departing on your Trip, less any refunds paid or payable, plus one of the following: a. Additional transportation expenses incurred to reach your scheduled destination if your departure is delayed and you leave after the Scheduled Departure Date and time; or b.Additional transportation expenses incurred for you to reach the final return destination of your Trip; or c. Additional transportation expenses incurred to rejoin the Trip in progress from the point where you interrupted your Trip. Covered Events: 3. Common Carrier delays and/or cancellations resulting from Financial Insolvency, provided you purchased this coverage prior to or within 24 hours of your final payment for your Trip; FINANCIAL INSOLVENCY means the total cessation or complete suspension of operations due to insolvency, with or without the filing of a bankruptcy petition, whether voluntary or involuntary, by a tour operator, cruise line, airline, rental car company, hotel, condominium, railroad, motor coach company, or other supplier of travel services which is duly licensed in the jurisdiction of operation other than the entity or the person, organization, agency or firm from whom you directly purchased or paid for your Trip, provided the Financial Insolvency occurs more than 14 days following your effective date for the Trip Cancellation Benefits. There is no coverage for the total cessation or complete suspension of operations for losses caused by fraud or negligent misrepresentation by the supplier of travel services. Read Hide Full Policy Wording
	TRIP CANCELLATION BENEFIT Benefits will be paid, up to the amount in the Schedule, for the forfeited, prepaid, non-refundable, non-refunded and unused published Payments that you paid for your Trip, if you are prevented from taking your Trip due to one of the following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy. Covered Events: 3. Common Carrier delays and/or cancellations resulting from Financial Insolvency, provided you purchased this coverage prior to or within 24 hours of your final Payment for your Trip; TRIP INTERRUPTION BENEFIT If your arrival on your Trip is delayed beyond your Scheduled Departure Date, or if you are unable to continue the Trip due to one of the unforeseeable Covered Events listed below that occur during your Trip dates to you or your Traveling Companion, we will reimburse you for the unused, non-refundable land or water arrangements prepaid to the Travel Supplier prior to departing on your Trip, less any refunds paid or payable, plus one of the following: a. Additional transportation expenses incurred to reach your scheduled destination if your departure is delayed and you leave after the Scheduled Departure Date and time; or b.Additional transportation expenses incurred for you to reach the final return destination of your Trip; or c. Additional transportation expenses incurred to rejoin the Trip in progress from the point where you interrupted your Trip. Covered Events: 3. Common Carrier delays and/or cancellations resulting from Financial Insolvency, provided you purchased this coverage prior to or within 24 hours of your final payment for your Trip; FINANCIAL INSOLVENCY means the total cessation or complete suspension of operations due to insolvency, with or without the filing of a bankruptcy petition, whether voluntary or involuntary, by a tour operator, cruise line, airline, rental car company, hotel, condominium, railroad, motor coach company, or other supplier of travel services which is duly licensed in the jurisdiction of operation other than the entity or the person, organization, agency or firm from whom you directly purchased or paid for your Trip, provided the Financial Insolvency occurs more than 14 days following your effective date for the Trip Cancellation Benefits. There is no coverage for the total cessation or complete suspension of operations for losses caused by fraud or negligent misrepresentation by the supplier of travel services. Read Hide Full Policy Wording
20	Premium Covered if purchased before the final trip payment	Benefits will be paid, up to the amount in the Schedule, for the forfeited, prepaid, non-refundable, non-refunded and unused published Payments that you paid for your Trip, if you are prevented from taking your Trip due to one of the following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy. 3. Common Carrier delays and/or cancellations resulting from Financial Insolvency, provided you purchased this coverage prior to or within 24 hours of your final Payment for your Trip; FINANCIAL INSOLVENCY means the total cessation or complete suspension of operations due to insolvency, with or without the fling of a bankruptcy petition, whether voluntary or involuntary, by a tour operator, cruise line, airline, rental car company, hotel, condominium, railroad, motor coach company, or other supplier of travel services which is duly licensed in the jurisdiction of operation other than the entity or the person, organization, agency or frm from whom you directly purchased or paid for your Trip, provided the Financial Insolvency occurs more than 14 days following your effective date for the Trip Cancellation Read Hide Full Policy Wording
	Benefits will be paid, up to the amount in the Schedule, for the forfeited, prepaid, non-refundable, non-refunded and unused published Payments that you paid for your Trip, if you are prevented from taking your Trip due to one of the following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy. 3. Common Carrier delays and/or cancellations resulting from Financial Insolvency, provided you purchased this coverage prior to or within 24 hours of your final Payment for your Trip; FINANCIAL INSOLVENCY means the total cessation or complete suspension of operations due to insolvency, with or without the fling of a bankruptcy petition, whether voluntary or involuntary, by a tour operator, cruise line, airline, rental car company, hotel, condominium, railroad, motor coach company, or other supplier of travel services which is duly licensed in the jurisdiction of operation other than the entity or the person, organization, agency or frm from whom you directly purchased or paid for your Trip, provided the Financial Insolvency occurs more than 14 days following your effective date for the Trip Cancellation Read Hide Full Policy Wording

HTH Travel Insurance
Policy Name and Summary of Coverage		Full Policy Wording
21	TravelGap Voyager excl US No coverage	There is no Financial Default coverage with this plan. Read Hide Full Policy Wording
	There is no Financial Default coverage with this plan. Read Hide Full Policy Wording
22	TripProtector Preferred Covered after 10 day wait	TRIP CANCELLATION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 19. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than ten (10) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. TRIP INTERRUPTION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You: 18. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. Read Hide Full Policy Wording
	TRIP CANCELLATION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 19. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than ten (10) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. TRIP INTERRUPTION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You: 18. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. Read Hide Full Policy Wording
23	TravelGap Excursion excl US No coverage	There is no Financial Default coverage with this plan. Read Hide Full Policy Wording
	There is no Financial Default coverage with this plan. Read Hide Full Policy Wording
24	TripProtector Economy No coverage	There is no Financial Default coverage with this plan. Read Hide Full Policy Wording
	There is no Financial Default coverage with this plan. Read Hide Full Policy Wording
25	TripProtector Classic Covered after 10 day wait	TRIP CANCELLATION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 14. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than ten (10) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. TRIP INTERRUPTION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You: 13. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. Read Hide Full Policy Wording
	TRIP CANCELLATION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 14. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than ten (10) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. TRIP INTERRUPTION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You: 13. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date. Read Hide Full Policy Wording

IMG
Policy Name and Summary of Coverage		Full Policy Wording
26	iTravelInsured Travel Lite Covered after 30 day wait if purchased within 20 days of trip deposit	TRIP CANCELLATION If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined: 3. This peril applies if You have purchased the policy within the Time Sensitive Period. The Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including Travel Supplier, a Common Carrier, cruise line, tour operator, or other travel entity that causes a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than thirty (30) days following Your Effective Date for Your Trip Cancellation benefit. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination; TRIP INTERRUPTION If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to either: a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or b) rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or c) transport You to Your originally scheduled Return Destination of Your Trip; The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets. Trip Interruption must occur while coverage is in effect for You due to any of the following covered Unforeseen reasons, as defined: 24. This peril applies if You have purchased the policy within the Time Sensitive Period. Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including Travel Supplier, a Common Carrier, cruise line, tour operator, or other travel entity that cause a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than thirty (30) days following Your Effective Date for Trip Interruption. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your Scheduled Destination; Time Sensitive Period means insurance must be purchased within twenty (20) days of the date Your initial Payments or Deposits for Your Trip is received. Read Hide Full Policy Wording
	TRIP CANCELLATION If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined: 3. This peril applies if You have purchased the policy within the Time Sensitive Period. The Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including Travel Supplier, a Common Carrier, cruise line, tour operator, or other travel entity that causes a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than thirty (30) days following Your Effective Date for Your Trip Cancellation benefit. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination; TRIP INTERRUPTION If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to either: a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or b) rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or c) transport You to Your originally scheduled Return Destination of Your Trip; The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets. Trip Interruption must occur while coverage is in effect for You due to any of the following covered Unforeseen reasons, as defined: 24. This peril applies if You have purchased the policy within the Time Sensitive Period. Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including Travel Supplier, a Common Carrier, cruise line, tour operator, or other travel entity that cause a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than thirty (30) days following Your Effective Date for Trip Interruption. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your Scheduled Destination; Time Sensitive Period means insurance must be purchased within twenty (20) days of the date Your initial Payments or Deposits for Your Trip is received. Read Hide Full Policy Wording
27	iTravelInsured Travel SE Covered after 30 day wait if purchased within 20 days of trip deposit	TRIP CANCELLATION If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined: 5. This peril applies if You have purchased the policy within the Time Sensitive Period. The Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including Travel Supplier, a Common Carrier, cruise line, tour operator, or other travel entity that causes a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than thirty (30) days following Your Effective Date for Your Trip Cancellation benefit. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination; TRIP INTERRUPTION If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to either: a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or b) rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or c) transport You to Your originally scheduled Return Destination of Your Trip; The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets. Trip Interruption must occur while coverage is in effect for You due to any of the following covered Unforeseen reasons, as defined: 31. This peril applies if You have purchased the policy within the Time Sensitive Period. Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including Travel Supplier, a Common Carrier, cruise line, tour operator, or other travel entity that cause a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than thirty (30) days following Your Effective Date for Trip Interruption. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your Scheduled Destination; Time Sensitive Period means insurance must be purchased within twenty (20) days of the date Your initial Payments or Deposits for Your Trip is received. Read Hide Full Policy Wording
	TRIP CANCELLATION If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined: 5. This peril applies if You have purchased the policy within the Time Sensitive Period. The Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including Travel Supplier, a Common Carrier, cruise line, tour operator, or other travel entity that causes a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than thirty (30) days following Your Effective Date for Your Trip Cancellation benefit. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination; TRIP INTERRUPTION If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to either: a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or b) rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or c) transport You to Your originally scheduled Return Destination of Your Trip; The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets. Trip Interruption must occur while coverage is in effect for You due to any of the following covered Unforeseen reasons, as defined: 31. This peril applies if You have purchased the policy within the Time Sensitive Period. Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including Travel Supplier, a Common Carrier, cruise line, tour operator, or other travel entity that cause a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than thirty (30) days following Your Effective Date for Trip Interruption. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your Scheduled Destination; Time Sensitive Period means insurance must be purchased within twenty (20) days of the date Your initial Payments or Deposits for Your Trip is received. Read Hide Full Policy Wording
28	iTravelInsured Travel LX Basic Covered after 30 day wait	TRIP CANCELLATION If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined: 5. The Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including Travel Supplier, a Common Carrier, cruise line, tour operator, or other travel entity that causes a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than thirty (30) days following Your Effective Date for Your Trip Cancellation benefit. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination; TRIP INTERRUPTION If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to either: a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or b) rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or c) transport You to Your originally scheduled Return Destination of Your Trip; The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets. Trip Interruption must occur while coverage is in effect for You due to any of the following covered Unforeseen reasons, as defined: 34. Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including Travel Supplier, a Common Carrier, cruise line, tour operator, or other travel entity that cause a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than thirty (30) days following Your Effective Date for Trip Interruption. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your Scheduled Destination; Read Hide Full Policy Wording
	TRIP CANCELLATION If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined: 5. The Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including Travel Supplier, a Common Carrier, cruise line, tour operator, or other travel entity that causes a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than thirty (30) days following Your Effective Date for Your Trip Cancellation benefit. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination; TRIP INTERRUPTION If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to either: a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or b) rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or c) transport You to Your originally scheduled Return Destination of Your Trip; The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets. Trip Interruption must occur while coverage is in effect for You due to any of the following covered Unforeseen reasons, as defined: 34. Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including Travel Supplier, a Common Carrier, cruise line, tour operator, or other travel entity that cause a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than thirty (30) days following Your Effective Date for Trip Interruption. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your Scheduled Destination; Read Hide Full Policy Wording
29	iTravelInsured Travel Essential Covered after 14 day wait if purchased within 21 days of trip deposit	TRIP CANCELLATION If You cancel Your Trip prior to departure due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the amount of unused, non-refundable, prepaid Payments or Deposits for the Travel Arrangements You purchased for Your Trip. Payable benefit amounts are reduced by any refunds or reimbursements to which You are entitled from any Travel Supplier, whether You requested reimbursement or not. In no event shall the amount reimbursed under this benefit exceed the lesser of the prepaid Payments or Deposits made for Your Travel Arrangements or the Maximum Benefit Amount shown in the Schedule of Benefits. Cancellation must be due to one of the following Unforeseen reasons that occurs after the purchase of this Policy and while this coverage is in effect for You: g) Bankruptcy or Default of the airline, cruise line, tour operator or other travel provider.The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; TRIP INTERRUPTION If You must start Your Trip later than scheduled or are unable to complete Your Trip due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the following: 1. unused, prepaid, nonrefundable Payments or Deposits You paid for Your Travel Arrangements insured under this Policy; 2. plus one of the following transportation expenses: a) the Additional Transportation Cost to reach Your scheduled destination if Your departure is delayed and You leave on Your Trip after Your Scheduled Departure Date and time; or b) the Additional Transportation Cost for You to reach the final return destination of Your Trip; or c) the Additional Transportation Cost for You to rejoin Your Trip in progress from the point where You interrupted Your Trip. In no event shall the amount reimbursed for this benefit exceed the lesser of the prepaid Payments or Deposits made for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits. Trip Interruption must be due to one of the following Unforeseen reasons that occurs while this coverage is in effect for You: g) Bankruptcy or Default of the airline, cruise line, tour operator or other travel provider The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur while on Your Trip and more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; Time Sensitive Period means: For initial Policy purchase: within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received. For subsequent arrangements: within twenty-one (21) days of payment for any subsequent pre-paid, nonrefundable arrangements added to Your Trip. Read Hide Full Policy Wording
	TRIP CANCELLATION If You cancel Your Trip prior to departure due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the amount of unused, non-refundable, prepaid Payments or Deposits for the Travel Arrangements You purchased for Your Trip. Payable benefit amounts are reduced by any refunds or reimbursements to which You are entitled from any Travel Supplier, whether You requested reimbursement or not. In no event shall the amount reimbursed under this benefit exceed the lesser of the prepaid Payments or Deposits made for Your Travel Arrangements or the Maximum Benefit Amount shown in the Schedule of Benefits. Cancellation must be due to one of the following Unforeseen reasons that occurs after the purchase of this Policy and while this coverage is in effect for You: g) Bankruptcy or Default of the airline, cruise line, tour operator or other travel provider.The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; TRIP INTERRUPTION If You must start Your Trip later than scheduled or are unable to complete Your Trip due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the following: 1. unused, prepaid, nonrefundable Payments or Deposits You paid for Your Travel Arrangements insured under this Policy; 2. plus one of the following transportation expenses: a) the Additional Transportation Cost to reach Your scheduled destination if Your departure is delayed and You leave on Your Trip after Your Scheduled Departure Date and time; or b) the Additional Transportation Cost for You to reach the final return destination of Your Trip; or c) the Additional Transportation Cost for You to rejoin Your Trip in progress from the point where You interrupted Your Trip. In no event shall the amount reimbursed for this benefit exceed the lesser of the prepaid Payments or Deposits made for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits. Trip Interruption must be due to one of the following Unforeseen reasons that occurs while this coverage is in effect for You: g) Bankruptcy or Default of the airline, cruise line, tour operator or other travel provider The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur while on Your Trip and more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; Time Sensitive Period means: For initial Policy purchase: within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received. For subsequent arrangements: within twenty-one (21) days of payment for any subsequent pre-paid, nonrefundable arrangements added to Your Trip. Read Hide Full Policy Wording
30	iTravelInsured Choice Covered after 14 day wait if purchased within 21 days of trip deposit	TRIP CANCELLATION If You cancel Your Trip prior to departure due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the amount of unused, non-refundable, Pre-paid Payments or Deposits for the Travel Arrangements You purchased for Your Trip. Cancellation must be due to one of the following Unforeseen reasons that occurs after the purchase of this Policy and while this coverage is in effect for You: g) Bankruptcy or Default of the airline, cruise line, tour operator or other travel provider (other than the organization(s) or firm(s) from whom You or Your Traveling Companion purchased Travel Arrangements supplied by others). The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; TRIP INTERRUPTION If You must start Your Trip later than scheduled or are unable to complete Your Trip due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the following: 1. unused, Pre-paid, nonrefundable Payments or Deposits You paid for Your Travel Arrangements insured under this Policy; 2. plus one of the following transportation expenses: a) the Additional Transportation Cost to reach Your scheduled destination if Your departure is delayed and You leave on Your Trip after Your Scheduled Departure Date and time; b) the Additional Transportation Cost for You to reach the final return destination of Your Trip; or c) the Additional Transportation Cost for You to rejoin Your Trip in progress from the point where You interrupted Your Trip. Trip Interruption must be due to one of the following Unforeseen reasons that occurs while this coverage is in effect for You: f) Bankruptcy or Default of the airline, cruise line, tour operator or other travel provider (other than the organization(s) or firm(s) from whom You or Your Traveling Companion purchased Travel Arrangements supplied by others). The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur while on Your Trip and more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; Time Sensitive Period means: For initial Policy purchase: within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received. For subsequent arrangements: within twenty-one (21) days of payment for any subsequent Pre-paid, nonrefundable arrangements added to Your Trip. Read Hide Full Policy Wording
	TRIP CANCELLATION If You cancel Your Trip prior to departure due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the amount of unused, non-refundable, Pre-paid Payments or Deposits for the Travel Arrangements You purchased for Your Trip. Cancellation must be due to one of the following Unforeseen reasons that occurs after the purchase of this Policy and while this coverage is in effect for You: g) Bankruptcy or Default of the airline, cruise line, tour operator or other travel provider (other than the organization(s) or firm(s) from whom You or Your Traveling Companion purchased Travel Arrangements supplied by others). The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; TRIP INTERRUPTION If You must start Your Trip later than scheduled or are unable to complete Your Trip due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the following: 1. unused, Pre-paid, nonrefundable Payments or Deposits You paid for Your Travel Arrangements insured under this Policy; 2. plus one of the following transportation expenses: a) the Additional Transportation Cost to reach Your scheduled destination if Your departure is delayed and You leave on Your Trip after Your Scheduled Departure Date and time; b) the Additional Transportation Cost for You to reach the final return destination of Your Trip; or c) the Additional Transportation Cost for You to rejoin Your Trip in progress from the point where You interrupted Your Trip. Trip Interruption must be due to one of the following Unforeseen reasons that occurs while this coverage is in effect for You: f) Bankruptcy or Default of the airline, cruise line, tour operator or other travel provider (other than the organization(s) or firm(s) from whom You or Your Traveling Companion purchased Travel Arrangements supplied by others). The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur while on Your Trip and more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; Time Sensitive Period means: For initial Policy purchase: within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received. For subsequent arrangements: within twenty-one (21) days of payment for any subsequent Pre-paid, nonrefundable arrangements added to Your Trip. Read Hide Full Policy Wording

John Hancock Insurance Agency, Inc.
Policy Name and Summary of Coverage		Full Policy Wording
31	Bronze Covered after 14 day wait if purchased within 14 days of trip deposit	TRIP CANCELLATION We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy. We will pay You for the following: a) The amount of forfeited, non-refundable, and unused Payments or Deposits; or b) Additional cost incurred if the Travel Supplier cancels Your Covered Trip due to an Unforeseen Event and You elect to utilize the service of a replacement Travel Supplier. 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. We will pay You: a) for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s); b) additional transportation expenses incurred by You; or c) return air travel up to the lesser of the cost of an economy flight or the amount shown on the Schedule of Benefits The Following are the Unforeseen Events for Trip Cancellation and Trip Interruption: i) Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment. Read Hide Full Policy Wording
	TRIP CANCELLATION We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy. We will pay You for the following: a) The amount of forfeited, non-refundable, and unused Payments or Deposits; or b) Additional cost incurred if the Travel Supplier cancels Your Covered Trip due to an Unforeseen Event and You elect to utilize the service of a replacement Travel Supplier. 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. We will pay You: a) for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s); b) additional transportation expenses incurred by You; or c) return air travel up to the lesser of the cost of an economy flight or the amount shown on the Schedule of Benefits The Following are the Unforeseen Events for Trip Cancellation and Trip Interruption: i) Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment. Read Hide Full Policy Wording
32	Silver Covered after 14 day wait if purchased within 14 days of trip deposit	TRIP CANCELLATION We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy. Maximum trip length is also shown on the Schedule of Benefits. We will pay You for the following: a) The amount of forfeited, non-refundable, and unused Payments or Deposits; or b) Additional cost incurred if the Travel Supplier cancels Your Covered Trip due to an Unforeseen Event and You elect to utilize the service of a replacement Travel Supplier. 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. We will pay You: a) for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s); b) additional transportation expenses incurred by You; or c) return air travel up to the lesser of the cost of an economy flight or the amount shown on the Schedule of Benefits. The Following are the Unforeseen Events for Trip Cancellation and Trip Interruption: i) Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment. Read Hide Full Policy Wording
	TRIP CANCELLATION We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy. Maximum trip length is also shown on the Schedule of Benefits. We will pay You for the following: a) The amount of forfeited, non-refundable, and unused Payments or Deposits; or b) Additional cost incurred if the Travel Supplier cancels Your Covered Trip due to an Unforeseen Event and You elect to utilize the service of a replacement Travel Supplier. 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. We will pay You: a) for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s); b) additional transportation expenses incurred by You; or c) return air travel up to the lesser of the cost of an economy flight or the amount shown on the Schedule of Benefits. The Following are the Unforeseen Events for Trip Cancellation and Trip Interruption: i) Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment. Read Hide Full Policy Wording
33	Gold Covered after 14 day wait if purchased within 14 days of trip deposit	TRIP CANCELLATION We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy. Maximum trip length is also shown on the Schedule of Benefits. We will pay You for the following: a) The amount of forfeited, non-refundable, and unused Payments or Deposits; or b) Additional cost incurred if the Travel Supplier cancels Your Covered Trip due to an Unforeseen Event and You elect to utilize the service of a replacement Travel Supplier. 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. We will pay You: a) for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s); b) additional transportation expenses incurred by You; or c) return air travel up to the lesser of the cost of an economy flight or the amount shown on the Schedule of Benefits. The Following are the Unforeseen Events for Trip Cancellation and Trip Interruption: i) Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment. Read Hide Full Policy Wording
	TRIP CANCELLATION We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy. Maximum trip length is also shown on the Schedule of Benefits. We will pay You for the following: a) The amount of forfeited, non-refundable, and unused Payments or Deposits; or b) Additional cost incurred if the Travel Supplier cancels Your Covered Trip due to an Unforeseen Event and You elect to utilize the service of a replacement Travel Supplier. 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. We will pay You: a) for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s); b) additional transportation expenses incurred by You; or c) return air travel up to the lesser of the cost of an economy flight or the amount shown on the Schedule of Benefits. The Following are the Unforeseen Events for Trip Cancellation and Trip Interruption: i) Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment. Read Hide Full Policy Wording

Nationwide Mutual Insurance Company
Policy Name and Summary of Coverage		Full Policy Wording
34	Essential Covered after 10 day wait if purchased within 10 days of trip deposit	TRIP CANCELLATION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 14. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than ten (10) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than twelve (12) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period. TRIP INTERRUPTION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You: 14. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than twelve (12) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period. Time Sensitive Period means within ten (10) days of the Initial Deposit Date and within ten (10) days of payment for any subsequent Travel Arrangements added to Your Trip. Read Hide Full Policy Wording
	TRIP CANCELLATION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 14. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than ten (10) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than twelve (12) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period. TRIP INTERRUPTION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You: 14. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than twelve (12) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period. Time Sensitive Period means within ten (10) days of the Initial Deposit Date and within ten (10) days of payment for any subsequent Travel Arrangements added to Your Trip. Read Hide Full Policy Wording
35	Prime Covered after 10 day wait if purchased within 21 days of trip deposit	TRIP CANCELLATION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 15. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than ten (10) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than twelve (12) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period. TRIP INTERRUPTION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You: 15. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than twelve (12) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period. Time Sensitive Period means within twenty-one (21) days of the Initial Deposit Date and within twenty-one (21) days of payment for any subsequent Travel Arrangements added to Your Trip. Read Hide Full Policy Wording
	TRIP CANCELLATION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 15. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than ten (10) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than twelve (12) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period. TRIP INTERRUPTION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You: 15. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than twelve (12) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period. Time Sensitive Period means within twenty-one (21) days of the Initial Deposit Date and within twenty-one (21) days of payment for any subsequent Travel Arrangements added to Your Trip. Read Hide Full Policy Wording
36	Cruise Universal Covered after 14 day wait if purchased within 14 days of trip deposit	TRIP CANCELLATION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 17. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than fourteen (14) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than eighteen (18) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period. TRIP INTERRUPTION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You: 17. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than eighteen (18) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period. Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip. Read Hide Full Policy Wording
	TRIP CANCELLATION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 17. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than fourteen (14) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than eighteen (18) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period. TRIP INTERRUPTION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You: 17. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than eighteen (18) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period. Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip. Read Hide Full Policy Wording
37	Cruise Choice Covered after 14 day wait if purchased within 14 days of trip deposit	TRIP CANCELLATION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 17. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than fourteen (14) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than twenty-four (24) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period. TRIP INTERRUPTION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You: 17. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than twenty-four (24) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period. Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip. Read Hide Full Policy Wording
	TRIP CANCELLATION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 17. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than fourteen (14) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than twenty-four (24) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period. TRIP INTERRUPTION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You: 17. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than twenty-four (24) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period. Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip. Read Hide Full Policy Wording
38	Cruise Luxury Covered after 14 day wait if purchased within 14 days of trip deposit	TRIP CANCELLATION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 17. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than fourteen (14) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than twenty-four (24) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period. TRIP INTERRUPTION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You: 17. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than twenty-four (24) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period. Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip. Read Hide Full Policy Wording
	TRIP CANCELLATION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 17. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than fourteen (14) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than twenty-four (24) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period. TRIP INTERRUPTION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You: 17. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than twenty-four (24) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period. Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip. Read Hide Full Policy Wording

Seven Corners
Policy Name and Summary of Coverage		Full Policy Wording
39	Trip Protection Choice Covered after 14 day wait	TRIP CANCELLATION If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined: 2. Financial Default or Financial Insolvency of an entity that directly provides Travel Arrangements, including a Travel Supplier, a Common Carrier, or other travel entity that causes a complete cessation of travel services if the Financial Default or Financial Insolvency occurs more than 14 days following Your Effective Date for Your Trip Cancellation benefit. Benefits will be paid due to Financial Default or Financial Insolvency of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination; TRIP INTERRUPTION If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits paid to the Travel Supplier for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to: a. join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or b. rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or c. transport You to Your originally scheduled Return Destination of Your Trip. The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets. Note that reimbursement of non-refundable Payments or Deposits will be calculated/prorated on a daily basis less the cost of Your original airfare booked by You. Trip Interruption must occur while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined: 22. Financial Default or Financial Insolvency of an entity that directly provides Travel Arrangements, including a Travel Supplier, Common Carrier, or other travel entity that causes a complete cessation of travel services if the Financial Default or Financial Insolvency occurs more than 14 days following Your Effective Date for Trip Interruption. Benefits will be paid due to Financial Default or Financial Insolvency of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your Scheduled Destination; Read Hide Full Policy Wording
	TRIP CANCELLATION If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined: 2. Financial Default or Financial Insolvency of an entity that directly provides Travel Arrangements, including a Travel Supplier, a Common Carrier, or other travel entity that causes a complete cessation of travel services if the Financial Default or Financial Insolvency occurs more than 14 days following Your Effective Date for Your Trip Cancellation benefit. Benefits will be paid due to Financial Default or Financial Insolvency of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination; TRIP INTERRUPTION If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits paid to the Travel Supplier for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to: a. join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or b. rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or c. transport You to Your originally scheduled Return Destination of Your Trip. The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets. Note that reimbursement of non-refundable Payments or Deposits will be calculated/prorated on a daily basis less the cost of Your original airfare booked by You. Trip Interruption must occur while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined: 22. Financial Default or Financial Insolvency of an entity that directly provides Travel Arrangements, including a Travel Supplier, Common Carrier, or other travel entity that causes a complete cessation of travel services if the Financial Default or Financial Insolvency occurs more than 14 days following Your Effective Date for Trip Interruption. Benefits will be paid due to Financial Default or Financial Insolvency of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your Scheduled Destination; Read Hide Full Policy Wording
40	Trip Protection Basic Covered after 14 day wait	TRIP CANCELLATION If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined: 2. The Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including Travel Supplier, a Common Carrier, or other travel entity that causes a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than 14 days following Your Effective Date for Your Trip Cancellation benefit. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination; TRIP INTERRUPTION If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits paid to the Travel Supplier for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to: a. join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or b. rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or c. transport You to Your originally scheduled Return Destination of Your Trip. The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets. Note that reimbursement of non-refundable Payments or Deposits will be calculated/prorated on a daily basis less the cost of Your original airfare booked by You. Trip Interruption must occur while coverage is in effect for You due to any of the following covered Unforeseen reasons, as defined: 22. Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including Travel Supplier, Common Carrier or other travel entity that cause a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than 14 days following Your Effective Date for Trip Interruption. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your Scheduled Destination; Read Hide Full Policy Wording
	TRIP CANCELLATION If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined: 2. The Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including Travel Supplier, a Common Carrier, or other travel entity that causes a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than 14 days following Your Effective Date for Your Trip Cancellation benefit. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination; TRIP INTERRUPTION If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits paid to the Travel Supplier for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to: a. join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or b. rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or c. transport You to Your originally scheduled Return Destination of Your Trip. The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets. Note that reimbursement of non-refundable Payments or Deposits will be calculated/prorated on a daily basis less the cost of Your original airfare booked by You. Trip Interruption must occur while coverage is in effect for You due to any of the following covered Unforeseen reasons, as defined: 22. Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including Travel Supplier, Common Carrier or other travel entity that cause a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than 14 days following Your Effective Date for Trip Interruption. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your Scheduled Destination; Read Hide Full Policy Wording
41	Cruise No coverage	There is no Financial Default coverage with this plan. Read Hide Full Policy Wording
	There is no Financial Default coverage with this plan. Read Hide Full Policy Wording

Tin Leg
Policy Name and Summary of Coverage		Full Policy Wording
42	Standard Covered after 14 day wait if purchased within 15 days of trip deposit	Benefit will be provided for loss(es) incurred by You for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events: Transportation and Accommodation a) Financial Default of an airline, Cruise line, Common Carrier or tour operator provided that: (1) The insurance was purchased within 15 days of Initial Trip Payment; and (2) Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits. The Insurer will not cover Losses resulting from a Financial Default of any person, organization, agency, or firm that solicited Your travel arrangements to you. Read Hide Full Policy Wording
	Benefit will be provided for loss(es) incurred by You for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events: Transportation and Accommodation a) Financial Default of an airline, Cruise line, Common Carrier or tour operator provided that: (1) The insurance was purchased within 15 days of Initial Trip Payment; and (2) Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits. The Insurer will not cover Losses resulting from a Financial Default of any person, organization, agency, or firm that solicited Your travel arrangements to you. Read Hide Full Policy Wording
43	Standard Covered after 14 day wait if purchased within 15 days of trip deposit	TRIP CANCELLATION The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured’s Trip is cancelled prior to the scheduled Departure Date and time for an Unforeseen Covered Event listed below. If the Insured has part of their trip cancelled or changed, prior to the scheduled departure date and time, the Company will reimburse for: a) Additional transportation expenses to reach the original Trip Destination; and b) Unused portion of the non-refundable pre-paid insured Trip Costs. The benefit payable under (a) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable. TRIP INTERRUPTION The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured’s Trip is interrupted after the scheduled Departure Date and time for an Unforeseen Covered Event listed below. The benefit will be limited to the: a) Unused portion of non-refundable pre-paid insured Trip Cost; and b) Additional transportation expenses to either the Return Destination; or from the place that the Insured left the Trip to the place that they may rejoin the Trip; or c) Additional transportation expenses to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date. The benefits payable under (b) and © above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable. UNFORESEEN COVERED EVENTS Other: i) The Financial Default of a Travel Supplier, provided all of the following conditions are met: 1) This policy is purchased within the Early Purchase Window; and 2) The default occurs more than 14 days following the Policy Effective Date. The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit for FinancialDefault shown in the Schedule. If the Insured books with a comparable Travel Supplier, the Company will ay for the additional expenses to book with the new Travel Supplier. The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, Travel Supplier, or firm that directly procured travel arrangements for the Insured. EARLY PURCHASE WINDOW: Within 15 days of Initial Trip Payment. Read Hide Full Policy Wording
	TRIP CANCELLATION The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured’s Trip is cancelled prior to the scheduled Departure Date and time for an Unforeseen Covered Event listed below. If the Insured has part of their trip cancelled or changed, prior to the scheduled departure date and time, the Company will reimburse for: a) Additional transportation expenses to reach the original Trip Destination; and b) Unused portion of the non-refundable pre-paid insured Trip Costs. The benefit payable under (a) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable. TRIP INTERRUPTION The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured’s Trip is interrupted after the scheduled Departure Date and time for an Unforeseen Covered Event listed below. The benefit will be limited to the: a) Unused portion of non-refundable pre-paid insured Trip Cost; and b) Additional transportation expenses to either the Return Destination; or from the place that the Insured left the Trip to the place that they may rejoin the Trip; or c) Additional transportation expenses to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date. The benefits payable under (b) and © above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable. UNFORESEEN COVERED EVENTS Other: i) The Financial Default of a Travel Supplier, provided all of the following conditions are met: 1) This policy is purchased within the Early Purchase Window; and 2) The default occurs more than 14 days following the Policy Effective Date. The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit for FinancialDefault shown in the Schedule. If the Insured books with a comparable Travel Supplier, the Company will ay for the additional expenses to book with the new Travel Supplier. The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, Travel Supplier, or firm that directly procured travel arrangements for the Insured. EARLY PURCHASE WINDOW: Within 15 days of Initial Trip Payment. Read Hide Full Policy Wording
44	Luxury Covered after 14 day wait if purchased within 15 days of trip deposit	Benefit will be provided for loss(es) incurred by the Insured for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events: Transportation and Accommodation a) Financial Default of an airline, Cruise line, Common Carrier or tour operator provided that: (1) The insurance was purchased within 15 days of Initial Trip Payment; and (2) Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits. The Insurer will not cover Losses resulting from a Financial Default of any person, organization, agency, or firm that solicited Your travel arrangements to you. Read Hide Full Policy Wording
	Benefit will be provided for loss(es) incurred by the Insured for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events: Transportation and Accommodation a) Financial Default of an airline, Cruise line, Common Carrier or tour operator provided that: (1) The insurance was purchased within 15 days of Initial Trip Payment; and (2) Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits. The Insurer will not cover Losses resulting from a Financial Default of any person, organization, agency, or firm that solicited Your travel arrangements to you. Read Hide Full Policy Wording
45	Luxury Covered after 14 day wait if purchased within 15 days of trip deposit	TRIP CANCELLATION The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured’s Trip is cancelled prior to the scheduled Departure Date and time for an Unforeseen Covered Event listed below. TRIP INTERRUPTION The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured’s Trip is interrupted after the scheduled Departure Date and time for an Unforeseen Covered Event listed below. UNFORESEEN COVERED EVENTS: Other: l) The Financial Default of a Travel Supplier, provided all of the following conditions are met: 1) This policy is purchased within the Early Purchase Window; and 2) The default occurs more than 14 days following the Policy Effective Date. The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit for Financial Default shown in the Schedule. If the Insured books with a comparable Travel Supplier, the Company will pay for the additional expenses to book with the new Travel Supplier. The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, Travel Supplier, or firm that directly procured travel arrangements for the Insured. Early Purchase Window: Within 15 days of Initial Trip Payment Read Hide Full Policy Wording
	TRIP CANCELLATION The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured’s Trip is cancelled prior to the scheduled Departure Date and time for an Unforeseen Covered Event listed below. TRIP INTERRUPTION The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured’s Trip is interrupted after the scheduled Departure Date and time for an Unforeseen Covered Event listed below. UNFORESEEN COVERED EVENTS: Other: l) The Financial Default of a Travel Supplier, provided all of the following conditions are met: 1) This policy is purchased within the Early Purchase Window; and 2) The default occurs more than 14 days following the Policy Effective Date. The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit for Financial Default shown in the Schedule. If the Insured books with a comparable Travel Supplier, the Company will pay for the additional expenses to book with the new Travel Supplier. The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, Travel Supplier, or firm that directly procured travel arrangements for the Insured. Early Purchase Window: Within 15 days of Initial Trip Payment Read Hide Full Policy Wording
46	Adventure Covered after 14 day wait if purchased within 15 days of trip deposit	TRIP CANCELLATION AND INTERRUPTION Benefit will be provided for loss(es) incurred by You for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events: Transportation and Accommodation a) Financial Default of an airline, Cruise line, Common Carrier or tour operator provided that: (1) The insurance was purchased within 15 days of Initial Trip Payment; and (2) Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits. The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, or firm that solicited Your travel arrangements to you. Read Hide Full Policy Wording
	TRIP CANCELLATION AND INTERRUPTION Benefit will be provided for loss(es) incurred by You for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events: Transportation and Accommodation a) Financial Default of an airline, Cruise line, Common Carrier or tour operator provided that: (1) The insurance was purchased within 15 days of Initial Trip Payment; and (2) Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits. The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, or firm that solicited Your travel arrangements to you. Read Hide Full Policy Wording
47	Adventure Covered after 14 day wait if purchased within 15 days of trip deposit	TRIP CANCELLATION The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured’s Trip is cancelled prior to the scheduled Departure Date and time for an Unforeseen Covered Event listed below. If the Insured has part of their trip cancelled or changed, prior to the scheduled departure date and time, the Company will reimburse for: a) Additional transportation expenses to reach the original Trip Destination; and b) Unused portion of the non-refundable pre-paid insured Trip Costs. The benefit payable under (a) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable. TRIP INTERRUPTION The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured’s Trip is interrupted after the scheduled Departure Date and time for an Unforeseen Covered Event listed below. The benefit will be limited to the: a) Unused portion of non-refundable pre-paid insured Trip Cost; and b) Additional transportation expenses to either the Return Destination; or from the place that the Insured left the Trip to the place that they may rejoin the Trip; or c) Additional transportation expenses to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date. The benefits payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable. UNFORESEEN COVERED EVENTS: l)This rider applies only if this policy is purchased within the Early Purchase Window as listed on the Schedule. The Financial Default of a Travel Supplier, provided all of the following conditions are met: (1) This policy is purchased within the Early Purchase Window; and (2) The default occurs more than 14 days following the Policy Effective Date. The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit for Financial Default shown in the Schedule. If the Insured books with a comparable Travel Supplier, the Company will pay for the additional expenses to book with the new Travel Supplier. The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, Travel Supplier, or firm that directly procured travel arrangements for the Insured. EARLY PURCHASE WINDOW: Within 15 days of Initial Trip Payment. Read Hide Full Policy Wording
	TRIP CANCELLATION The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured’s Trip is cancelled prior to the scheduled Departure Date and time for an Unforeseen Covered Event listed below. If the Insured has part of their trip cancelled or changed, prior to the scheduled departure date and time, the Company will reimburse for: a) Additional transportation expenses to reach the original Trip Destination; and b) Unused portion of the non-refundable pre-paid insured Trip Costs. The benefit payable under (a) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable. TRIP INTERRUPTION The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured’s Trip is interrupted after the scheduled Departure Date and time for an Unforeseen Covered Event listed below. The benefit will be limited to the: a) Unused portion of non-refundable pre-paid insured Trip Cost; and b) Additional transportation expenses to either the Return Destination; or from the place that the Insured left the Trip to the place that they may rejoin the Trip; or c) Additional transportation expenses to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date. The benefits payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable. UNFORESEEN COVERED EVENTS: l)This rider applies only if this policy is purchased within the Early Purchase Window as listed on the Schedule. The Financial Default of a Travel Supplier, provided all of the following conditions are met: (1) This policy is purchased within the Early Purchase Window; and (2) The default occurs more than 14 days following the Policy Effective Date. The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit for Financial Default shown in the Schedule. If the Insured books with a comparable Travel Supplier, the Company will pay for the additional expenses to book with the new Travel Supplier. The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, Travel Supplier, or firm that directly procured travel arrangements for the Insured. EARLY PURCHASE WINDOW: Within 15 days of Initial Trip Payment. Read Hide Full Policy Wording
48	Gold Covered after 14 day wait if purchased within 14 days of trip deposit	We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy. Maximum trip length is also shown on the Schedule of Benefits. i) Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment. Read Hide Full Policy Wording
	We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy. Maximum trip length is also shown on the Schedule of Benefits. i) Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment. Read Hide Full Policy Wording
49	Silver Covered after 14 day wait if purchased within 14 days of trip deposit	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: 6. Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended Destination. This coverage only applies if the Policy was purchased within 14 calendar days of the Initial Trip Payment. 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: 6. Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended Destination. This coverage only applies if the Policy was purchased within 14 calendar days of the Initial Trip Payment. Read Hide Full Policy Wording
	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: 6. Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended Destination. This coverage only applies if the Policy was purchased within 14 calendar days of the Initial Trip Payment. 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: 6. Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended Destination. This coverage only applies if the Policy was purchased within 14 calendar days of the Initial Trip Payment. Read Hide Full Policy Wording

Travel Insured International
Policy Name and Summary of Coverage		Full Policy Wording
50	Worldwide Trip Protector Plus Covered after 14 day wait if purchased within 21 days of trip deposit	TRIP CANCELLATION TRIP INTERRUPTION “Other Covered Reasons” means: m. Bankruptcy or Default of an airline, cruise line, tour operator or other travel provider (other than the Travel Supplier, tour operator, travel agency, organization or firm from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if the Policy has been purchased within 21 days of the date Your initial deposit/payment for Your Trip is received; Read Hide Full Policy Wording
	TRIP CANCELLATION TRIP INTERRUPTION “Other Covered Reasons” means: m. Bankruptcy or Default of an airline, cruise line, tour operator or other travel provider (other than the Travel Supplier, tour operator, travel agency, organization or firm from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if the Policy has been purchased within 21 days of the date Your initial deposit/payment for Your Trip is received; Read Hide Full Policy Wording
51	Worldwide Trip Protector Covered after 14 day wait	TRIP CANCELLATION If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined: 4. The Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including an Air Common Carrier, cruise line, tour operator, or other travel entity that causes a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than 14 days following Your Effective Date for Your Trip Cancellation benefit. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination; TRIP INTERRUPTION If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to: a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; b) rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or c) transport You to Your originally scheduled Return Destination of Your Trip; The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets. Trip Interruption must occur while coverage is in effect for You due to any of the following covered Unforeseen reasons, as defined: 25. Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including an Air Common Carrier, cruise line, tour operator, or other travel entity that cause a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than 14 days following Your Effective Date for Trip Interruption. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your Scheduled Destination; Read Hide Full Policy Wording
	TRIP CANCELLATION If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined: 4. The Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including an Air Common Carrier, cruise line, tour operator, or other travel entity that causes a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than 14 days following Your Effective Date for Your Trip Cancellation benefit. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination; TRIP INTERRUPTION If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to: a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; b) rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or c) transport You to Your originally scheduled Return Destination of Your Trip; The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets. Trip Interruption must occur while coverage is in effect for You due to any of the following covered Unforeseen reasons, as defined: 25. Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including an Air Common Carrier, cruise line, tour operator, or other travel entity that cause a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than 14 days following Your Effective Date for Trip Interruption. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your Scheduled Destination; Read Hide Full Policy Wording
52	FlexiPAX Covered after 14 day wait	TRIP CANCELLATION If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined: 3. You or Your Traveling Companion must cancel Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect: Other Covered Events means: 3. The Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including an Air Common Carrier, cruise line, tour operator, or other travel entity that causes a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than 14 days following Your Effective Date for Your Trip Cancellation benefit. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination; TRIP INTERRUPTION If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to: 3. You or Your Traveling Companion must interrupt Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect: Other Covered Events means: 18. Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including an Air Common Carrier, cruise line, tour operator, or other travel entity that cause a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than 14 days following Your Effective Date for Trip Interruption. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination; Read Hide Full Policy Wording
	TRIP CANCELLATION If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined: 3. You or Your Traveling Companion must cancel Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect: Other Covered Events means: 3. The Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including an Air Common Carrier, cruise line, tour operator, or other travel entity that causes a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than 14 days following Your Effective Date for Your Trip Cancellation benefit. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination; TRIP INTERRUPTION If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to: 3. You or Your Traveling Companion must interrupt Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect: Other Covered Events means: 18. Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including an Air Common Carrier, cruise line, tour operator, or other travel entity that cause a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than 14 days following Your Effective Date for Trip Interruption. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination; Read Hide Full Policy Wording

Trawick International
Policy Name and Summary of Coverage		Full Policy Wording
53	Safe Travels Explorer No coverage	There is no Financial Default coverage with this plan. Read Hide Full Policy Wording
	There is no Financial Default coverage with this plan. Read Hide Full Policy Wording
54	Safe Travels Journey No coverage	There is no Financial Default coverage with this plan. Read Hide Full Policy Wording
	There is no Financial Default coverage with this plan. Read Hide Full Policy Wording
55	Safe Travels Voyager Covered after 10 day wait if purchased within 21 days of trip deposit	TRIP CANCELLATION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 14. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than ten (10) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period. Time Sensitive Period means within twenty-one (21) days of the Initial Deposit Date and within twenty-one (21) days of payment for any subsequent Travel Arrangements added to Your Trip. Read Hide Full Policy Wording
	TRIP CANCELLATION The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date: 14. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than ten (10) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period. Time Sensitive Period means within twenty-one (21) days of the Initial Deposit Date and within twenty-one (21) days of payment for any subsequent Travel Arrangements added to Your Trip. Read Hide Full Policy Wording
56	Safe Travels Protect Covered after 14 day wait if purchased within 14 days of trip deposit	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. Transportation and Accommodation 4. Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended Destination. This coverage only applies if the Policy was purchased within 14 calendar days of the Initial Trip Payment. 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. 4. Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended Destination. This coverage only applies if the Policy was purchased within 14 calendar days of the Initial Trip Payment. Read Hide Full Policy Wording
	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. Transportation and Accommodation 4. Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended Destination. This coverage only applies if the Policy was purchased within 14 calendar days of the Initial Trip Payment. 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. 4. Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended Destination. This coverage only applies if the Policy was purchased within 14 calendar days of the Initial Trip Payment. Read Hide Full Policy Wording
57	Safe Travels Defend Covered after 14 day wait if purchased within 14 days of trip deposit	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; 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: 4. Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended Destination. This coverage only applies if the Policy was purchased within 14 calendar days of the Initial Trip Payment. 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. 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: 4. Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended Destination. This coverage only applies if the Policy was purchased within 14 calendar days of the Initial Trip Payment. Read Hide Full Policy Wording
	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; 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: 4. Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended Destination. This coverage only applies if the Policy was purchased within 14 calendar days of the Initial Trip Payment. 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. 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: 4. Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended Destination. This coverage only applies if the Policy was purchased within 14 calendar days of the Initial Trip Payment. Read Hide Full Policy Wording
58	Safe Travels Armor Covered after 14 day wait if purchased within 14 days of trip deposit	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. 4. Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended Destination. This coverage only applies if the Policy was purchased within 14 calendar days of the Initial Trip Payment. 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. 4. Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended Destination. This coverage only applies if the Policy was purchased within 14 calendar days of the Initial Trip Payment. Read Hide Full Policy Wording
	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. 4. Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended Destination. This coverage only applies if the Policy was purchased within 14 calendar days of the Initial Trip Payment. 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. 4. Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended Destination. This coverage only applies if the Policy was purchased within 14 calendar days of the Initial Trip Payment. Read Hide Full Policy Wording

USI Affinity Travel Insurance Services
Policy Name and Summary of Coverage		Full Policy Wording
59	Ruby Covered after 14 day wait if purchased within 14 days of trip deposit	We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy. i) Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment. Read Hide Full Policy Wording
	We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy. i) Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment. Read Hide Full Policy Wording
60	Diamond Covered after 14 day wait if purchased within 14 days of trip deposit	We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy. Maximum trip length is also shown on the Schedule of Benefits. i) Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment. Read Hide Full Policy Wording
	We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from taking Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy. Maximum trip length is also shown on the Schedule of Benefits. i) Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment. Read Hide Full Policy Wording

WorldTrips
Policy Name and Summary of Coverage		Full Policy Wording
61	Atlas Journey Economy Covered after 14 day wait if purchased within 21 days of trip deposit	Trip Cancellation If You cancel Your Trip prior to departure due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the amount of unused, non-refundable, Pre-paid Payments or Deposits for the Travel Arrangements You purchased for Your Trip. We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the additional single supplement cost You must pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is cancelled for one of the covered Unforeseen reasons listed below and You do not cancel Your Trip. If You cancel due to a covered Unforeseen reason, and You used frequent traveler awards, such as frequent flier miles or hotel rewards, for any part of Your Trip, We will reimburse You for the fees You pay up to the Maximum Benefit Amount listed in the Schedule of Benefits to re-deposit those miles or rewards in Your account. If You cancel or reschedule Your Trip due to a covered Unforeseen reason, We will reimburse You up to the sub-limit listed in the Schedule of Benefits for the reissue fee paid to the airline to change Your tickets. Payable benefit amounts are reduced by any refunds or reimbursements to which You are entitled from any Travel Supplier, whether You requested reimbursement or not. In no event shall the amount reimbursed under this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Travel Arrangements or the Maximum Benefit Amount shown in the Schedule of Benefits. Cancellation must be due to one of the following Unforeseen reasons that occurs after the purchase of this Policy and while this coverage is in effect for You: j. Bankruptcy or Default of the airline, cruise line, tour operator, or other travel provider. The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; Time Sensitive Period means: For initial Policy purchase: within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received. For subsequent arrangements: within twenty-one (21) days of payment for any subsequent Pre-paid, nonrefundable arrangements added to Your Trip. Read Hide Full Policy Wording
	Trip Cancellation If You cancel Your Trip prior to departure due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the amount of unused, non-refundable, Pre-paid Payments or Deposits for the Travel Arrangements You purchased for Your Trip. We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the additional single supplement cost You must pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is cancelled for one of the covered Unforeseen reasons listed below and You do not cancel Your Trip. If You cancel due to a covered Unforeseen reason, and You used frequent traveler awards, such as frequent flier miles or hotel rewards, for any part of Your Trip, We will reimburse You for the fees You pay up to the Maximum Benefit Amount listed in the Schedule of Benefits to re-deposit those miles or rewards in Your account. If You cancel or reschedule Your Trip due to a covered Unforeseen reason, We will reimburse You up to the sub-limit listed in the Schedule of Benefits for the reissue fee paid to the airline to change Your tickets. Payable benefit amounts are reduced by any refunds or reimbursements to which You are entitled from any Travel Supplier, whether You requested reimbursement or not. In no event shall the amount reimbursed under this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Travel Arrangements or the Maximum Benefit Amount shown in the Schedule of Benefits. Cancellation must be due to one of the following Unforeseen reasons that occurs after the purchase of this Policy and while this coverage is in effect for You: j. Bankruptcy or Default of the airline, cruise line, tour operator, or other travel provider. The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; Time Sensitive Period means: For initial Policy purchase: within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received. For subsequent arrangements: within twenty-one (21) days of payment for any subsequent Pre-paid, nonrefundable arrangements added to Your Trip. Read Hide Full Policy Wording
62	Atlas Journey Preferred Covered after 14 day wait if purchased within 21 days of trip deposit	Trip Cancellation If You cancel Your Trip prior to departure due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the amount of unused, non-refundable, Pre-paid Payments or Deposits for the Travel Arrangements You purchased for Your Trip. We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the additional single supplement cost You must pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is cancelled for one of the covered Unforeseen reasons listed below and You do not cancel Your Trip. If You cancel due to a covered Unforeseen reason, and You used frequent traveler awards, such as frequent flier miles or hotel rewards, for any part of Your Trip, We will reimburse You for the fees You pay up to the Maximum Benefit Amount listed in the Schedule of Benefits to re-deposit those miles or rewards in Your account. If You cancel or reschedule Your Trip due to a covered Unforeseen reason, We will reimburse You up to the sub-limit listed in the Schedule of Benefits for the reissue fee paid to the airline to change Your tickets. Payable benefit amounts are reduced by any refunds or reimbursements to which You are entitled from any Travel Supplier, whether You requested reimbursement or not. In no event shall the amount reimbursed under this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Travel Arrangements or the Maximum Benefit Amount shown in the Schedule of Benefits. Cancellation must be due to one of the following Unforeseen reasons that occurs after the purchase of this Policy and while this coverage is in effect for You: o. Bankruptcy or Default of the airline, cruise line, tour operator, or other travel provider. The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; Trip Interruption If You must start Your Trip later than scheduled or are unable to complete Your Trip due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the following: 1. unused, Pre-paid, nonrefundable Payments or Deposits You paid for Your Travel Arrangements insured under this Policy, and any fees imposed in accordance with The Jones Act; 2. plus one of the following transportation expenses: a. the Additional Transportation Cost to reach Your scheduled destination if Your departure is delayed and You leave on Your Trip after Your Scheduled Departure Date and time; b. the Additional Transportation Cost for You to reach the Scheduled Return Destination of Your Trip; or c. the Additional Transportation Cost for You to rejoin Your Trip in progress from the point where You interrupted Your Trip. We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the additional single supplement cost You pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is interrupted for one of the covered Unforeseen reasons listed below and You do not interrupt Your Trip. We will also reimburse You up to the sub-limit listed in the Schedule of Benefits for reasonable and necessary paid costs to drive or transport Your Covered Vehicle to Your Home if you meet all of the following. 1. You are using Your Covered Vehicle on the Trip. 2. the Covered Vehicle is with You at the place where the Trip is interrupted. 3. the place where the Trip is interrupted is one hundred (100) miles or more away from Your Home. 4. You are medically unable to drive Your Covered Vehicle Home due to a covered Sickness, Injury or death. In no event shall the amount reimbursed for this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits. Trip Interruption must be due to one of the following Unforeseen reasons that occurs while this coverage is in effect for You: m. Bankruptcy or Default of the airline, cruise line, tour operator, or other travel provider. The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur while on Your Trip and more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; Time Sensitive Period means: For initial Policy purchase: within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received. For subsequent arrangements: within twenty-one (21) days of payment for any subsequent Pre-paid, nonrefundable arrangements added to Your Trip. Read Hide Full Policy Wording
	Trip Cancellation If You cancel Your Trip prior to departure due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the amount of unused, non-refundable, Pre-paid Payments or Deposits for the Travel Arrangements You purchased for Your Trip. We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the additional single supplement cost You must pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is cancelled for one of the covered Unforeseen reasons listed below and You do not cancel Your Trip. If You cancel due to a covered Unforeseen reason, and You used frequent traveler awards, such as frequent flier miles or hotel rewards, for any part of Your Trip, We will reimburse You for the fees You pay up to the Maximum Benefit Amount listed in the Schedule of Benefits to re-deposit those miles or rewards in Your account. If You cancel or reschedule Your Trip due to a covered Unforeseen reason, We will reimburse You up to the sub-limit listed in the Schedule of Benefits for the reissue fee paid to the airline to change Your tickets. Payable benefit amounts are reduced by any refunds or reimbursements to which You are entitled from any Travel Supplier, whether You requested reimbursement or not. In no event shall the amount reimbursed under this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Travel Arrangements or the Maximum Benefit Amount shown in the Schedule of Benefits. Cancellation must be due to one of the following Unforeseen reasons that occurs after the purchase of this Policy and while this coverage is in effect for You: o. Bankruptcy or Default of the airline, cruise line, tour operator, or other travel provider. The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; Trip Interruption If You must start Your Trip later than scheduled or are unable to complete Your Trip due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the following: 1. unused, Pre-paid, nonrefundable Payments or Deposits You paid for Your Travel Arrangements insured under this Policy, and any fees imposed in accordance with The Jones Act; 2. plus one of the following transportation expenses: a. the Additional Transportation Cost to reach Your scheduled destination if Your departure is delayed and You leave on Your Trip after Your Scheduled Departure Date and time; b. the Additional Transportation Cost for You to reach the Scheduled Return Destination of Your Trip; or c. the Additional Transportation Cost for You to rejoin Your Trip in progress from the point where You interrupted Your Trip. We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the additional single supplement cost You pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is interrupted for one of the covered Unforeseen reasons listed below and You do not interrupt Your Trip. We will also reimburse You up to the sub-limit listed in the Schedule of Benefits for reasonable and necessary paid costs to drive or transport Your Covered Vehicle to Your Home if you meet all of the following. 1. You are using Your Covered Vehicle on the Trip. 2. the Covered Vehicle is with You at the place where the Trip is interrupted. 3. the place where the Trip is interrupted is one hundred (100) miles or more away from Your Home. 4. You are medically unable to drive Your Covered Vehicle Home due to a covered Sickness, Injury or death. In no event shall the amount reimbursed for this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits. Trip Interruption must be due to one of the following Unforeseen reasons that occurs while this coverage is in effect for You: m. Bankruptcy or Default of the airline, cruise line, tour operator, or other travel provider. The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur while on Your Trip and more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; Time Sensitive Period means: For initial Policy purchase: within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received. For subsequent arrangements: within twenty-one (21) days of payment for any subsequent Pre-paid, nonrefundable arrangements added to Your Trip. Read Hide Full Policy Wording
63	Atlas Journey Premier Covered after 14 day wait if purchased within 21 days of trip deposit	Trip Cancellation If You cancel Your Trip prior to departure due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the amount of unused, non-refundable, Pre-paid Payments or Deposits for the Travel Arrangements You purchased for Your Trip. We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the additional single supplement cost You must pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is cancelled for one of the covered Unforeseen reasons listed below and You do not cancel Your Trip. If You cancel due to a covered Unforeseen reason, and You used frequent traveler awards, such as frequent flier miles or hotel rewards, for any part of Your Trip, We will reimburse You for the fees You pay up to the Maximum Benefit Amount listed in the Schedule of Benefits to re-deposit those miles or rewards in Your account. If You cancel or reschedule Your Trip due to a covered Unforeseen reason, We will reimburse You up to the sub-limit listed in the Schedule of Benefits for the reissue fee paid to the airline to change Your tickets. Payable benefit amounts are reduced by any refunds or reimbursements to which You are entitled from any Travel Supplier, whether You requested reimbursement or not. In no event shall the amount reimbursed under this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Travel Arrangements or the Maximum Benefit Amount shown in the Schedule of Benefits. Cancellation must be due to one of the following Unforeseen reasons that occurs after the purchase of this Policy and while this coverage is in effect for You: q. Bankruptcy or Default of the airline, cruise line, tour operator, or other travel provider. The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; Trip Interruption If You must start Your Trip later than scheduled or are unable to complete Your Trip due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the following: 1. unused, Pre-paid, nonrefundable Payments or Deposits You paid for Your Travel Arrangements insured under this Policy, and any fees imposed in accordance with The Jones Act; 2. plus one of the following transportation expenses: a. the Additional Transportation Cost to reach Your scheduled destination if Your departure is delayed and You leave on Your Trip after Your Scheduled Departure Date and time; b. the Additional Transportation Cost for You to reach the Scheduled Return Destination of Your Trip; or c. the Additional Transportation Cost for You to rejoin Your Trip in progress from the point where You interrupted Your Trip. We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the additional single supplement cost You pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is interrupted for one of the covered Unforeseen reasons listed below and You do not interrupt Your Trip. We will also reimburse You up to the sub-limit listed in the Schedule of Benefits for reasonable and necessary paid costs to drive or transport Your Covered Vehicle to Your Home if you meet all of the following. 1. You are using Your Covered Vehicle on the Trip. 2. the Covered Vehicle is with You at the place where the Trip is interrupted. 3. the place where the Trip is interrupted is one hundred (100) miles or more away from Your Home. 4. You are medically unable to drive Your Covered Vehicle Home due to a covered Sickness, Injury or death. In no event shall the amount reimbursed for this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits. Trip Interruption must be due to one of the following Unforeseen reasons that occurs while this coverage is in effect for You: n. Bankruptcy or Default of the airline, cruise line, tour operator, or other travel provider. The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur while on Your Trip and more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; Time Sensitive Period means: For initial Policy purchase: within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received. For subsequent arrangements: within twenty-one (21) days of payment for any subsequent Pre-paid, nonrefundable arrangements added to Your Trip. Read Hide Full Policy Wording
	Trip Cancellation If You cancel Your Trip prior to departure due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the amount of unused, non-refundable, Pre-paid Payments or Deposits for the Travel Arrangements You purchased for Your Trip. We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the additional single supplement cost You must pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is cancelled for one of the covered Unforeseen reasons listed below and You do not cancel Your Trip. If You cancel due to a covered Unforeseen reason, and You used frequent traveler awards, such as frequent flier miles or hotel rewards, for any part of Your Trip, We will reimburse You for the fees You pay up to the Maximum Benefit Amount listed in the Schedule of Benefits to re-deposit those miles or rewards in Your account. If You cancel or reschedule Your Trip due to a covered Unforeseen reason, We will reimburse You up to the sub-limit listed in the Schedule of Benefits for the reissue fee paid to the airline to change Your tickets. Payable benefit amounts are reduced by any refunds or reimbursements to which You are entitled from any Travel Supplier, whether You requested reimbursement or not. In no event shall the amount reimbursed under this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Travel Arrangements or the Maximum Benefit Amount shown in the Schedule of Benefits. Cancellation must be due to one of the following Unforeseen reasons that occurs after the purchase of this Policy and while this coverage is in effect for You: q. Bankruptcy or Default of the airline, cruise line, tour operator, or other travel provider. The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; Trip Interruption If You must start Your Trip later than scheduled or are unable to complete Your Trip due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the following: 1. unused, Pre-paid, nonrefundable Payments or Deposits You paid for Your Travel Arrangements insured under this Policy, and any fees imposed in accordance with The Jones Act; 2. plus one of the following transportation expenses: a. the Additional Transportation Cost to reach Your scheduled destination if Your departure is delayed and You leave on Your Trip after Your Scheduled Departure Date and time; b. the Additional Transportation Cost for You to reach the Scheduled Return Destination of Your Trip; or c. the Additional Transportation Cost for You to rejoin Your Trip in progress from the point where You interrupted Your Trip. We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the additional single supplement cost You pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is interrupted for one of the covered Unforeseen reasons listed below and You do not interrupt Your Trip. We will also reimburse You up to the sub-limit listed in the Schedule of Benefits for reasonable and necessary paid costs to drive or transport Your Covered Vehicle to Your Home if you meet all of the following. 1. You are using Your Covered Vehicle on the Trip. 2. the Covered Vehicle is with You at the place where the Trip is interrupted. 3. the place where the Trip is interrupted is one hundred (100) miles or more away from Your Home. 4. You are medically unable to drive Your Covered Vehicle Home due to a covered Sickness, Injury or death. In no event shall the amount reimbursed for this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits. Trip Interruption must be due to one of the following Unforeseen reasons that occurs while this coverage is in effect for You: n. Bankruptcy or Default of the airline, cruise line, tour operator, or other travel provider. The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur while on Your Trip and more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; Time Sensitive Period means: For initial Policy purchase: within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received. For subsequent arrangements: within twenty-one (21) days of payment for any subsequent Pre-paid, nonrefundable arrangements added to Your Trip. Read Hide Full Policy Wording
64	Explore Covered after 14 day wait if purchased within 21 days of trip deposit	Trip Cancellation If You cancel Your Trip prior to departure due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the amount of unused, non-refundable, Pre-paid Payments or Deposits for the Travel Arrangements You purchased for Your Trip. We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the additional single supplement cost You must pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is cancelled for one of the covered Unforeseen reasons listed below and You do not cancel Your Trip. If You cancel due to a covered Unforeseen reason, and You used frequent traveler awards, such as frequent flier miles or hotel rewards, for any part of Your Trip, We will reimburse You for the fees You pay up to the Maximum Benefit Amount listed in the Schedule of Benefits to re-deposit those miles or rewards in Your account. If You cancel or reschedule Your Trip due to a covered Unforeseen reason, We will reimburse You up to the sub-limit listed in the Schedule of Benefits for the reissue fee paid to the airline to change Your tickets. Payable benefit amounts are reduced by any refunds or reimbursements to which You are entitled from any Travel Supplier, whether You requested reimbursement or not. In no event shall the amount reimbursed under this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Travel Arrangements or the Maximum Benefit Amount shown in the Schedule of Benefits. Cancellation must be due to one of the following Unforeseen reasons that occurs after the purchase of this Policy and while this coverage is in effect for You: n. Bankruptcy or Default of the airline, cruise line, tour operator, or other travel provider. The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; Trip Interruption If You must start Your Trip later than scheduled or are unable to complete Your Trip due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the following: 1. unused, Pre-paid, nonrefundable Payments or Deposits You paid for Your Travel Arrangements insured under this Policy, and any fees imposed in accordance with The Jones Act; 2. plus one of the following transportation expenses: a. the Additional Transportation Cost to reach Your scheduled destination if Your departure is delayed and You leave on Your Trip after Your Scheduled Departure Date and time; b. the Additional Transportation Cost for You to reach the Scheduled Return Destination of Your Trip; or c. the Additional Transportation Cost for You to rejoin Your Trip in progress from the point where You interrupted Your Trip. We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the additional single supplement cost You pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is interrupted for one of the covered Unforeseen reasons listed below and You do not interrupt Your Trip. In no event shall the amount reimbursed for this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits. Trip Interruption must be due to one of the following Unforeseen reasons that occurs while this coverage is in effect for You: m. Bankruptcy or Default of the airline, cruise line, tour operator, or other travel provider. The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur while on Your Trip and more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; Time Sensitive Period means: For initial Policy purchase: within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received. For subsequent arrangements: within twenty-one (21) days of payment for any subsequent Pre-paid, nonrefundable arrangements added to Your Trip. Read Hide Full Policy Wording
	Trip Cancellation If You cancel Your Trip prior to departure due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the amount of unused, non-refundable, Pre-paid Payments or Deposits for the Travel Arrangements You purchased for Your Trip. We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for the additional single supplement cost You must pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is cancelled for one of the covered Unforeseen reasons listed below and You do not cancel Your Trip. If You cancel due to a covered Unforeseen reason, and You used frequent traveler awards, such as frequent flier miles or hotel rewards, for any part of Your Trip, We will reimburse You for the fees You pay up to the Maximum Benefit Amount listed in the Schedule of Benefits to re-deposit those miles or rewards in Your account. If You cancel or reschedule Your Trip due to a covered Unforeseen reason, We will reimburse You up to the sub-limit listed in the Schedule of Benefits for the reissue fee paid to the airline to change Your tickets. Payable benefit amounts are reduced by any refunds or reimbursements to which You are entitled from any Travel Supplier, whether You requested reimbursement or not. In no event shall the amount reimbursed under this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Travel Arrangements or the Maximum Benefit Amount shown in the Schedule of Benefits. Cancellation must be due to one of the following Unforeseen reasons that occurs after the purchase of this Policy and while this coverage is in effect for You: n. Bankruptcy or Default of the airline, cruise line, tour operator, or other travel provider. The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; Trip Interruption If You must start Your Trip later than scheduled or are unable to complete Your Trip due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the following: 1. unused, Pre-paid, nonrefundable Payments or Deposits You paid for Your Travel Arrangements insured under this Policy, and any fees imposed in accordance with The Jones Act; 2. plus one of the following transportation expenses: a. the Additional Transportation Cost to reach Your scheduled destination if Your departure is delayed and You leave on Your Trip after Your Scheduled Departure Date and time; b. the Additional Transportation Cost for You to reach the Scheduled Return Destination of Your Trip; or c. the Additional Transportation Cost for You to rejoin Your Trip in progress from the point where You interrupted Your Trip. We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the additional single supplement cost You pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is interrupted for one of the covered Unforeseen reasons listed below and You do not interrupt Your Trip. In no event shall the amount reimbursed for this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits. Trip Interruption must be due to one of the following Unforeseen reasons that occurs while this coverage is in effect for You: m. Bankruptcy or Default of the airline, cruise line, tour operator, or other travel provider. The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur while on Your Trip and more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; Time Sensitive Period means: For initial Policy purchase: within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received. For subsequent arrangements: within twenty-one (21) days of payment for any subsequent Pre-paid, nonrefundable arrangements added to Your Trip. Read Hide Full Policy Wording
65	Elevate Covered after 14 day wait if purchased within 21 days of trip deposit	TRIP CANCELLATION Cancellation must be due to one of the following Unforeseen reasons that occurs after the purchase of this Policy and while this coverage is in effect for You: 3. the following other Unforeseen reasons which occur to You or Your Traveling Companion provided such events occur while this coverage is in effect: o. Bankruptcy or Default of the airline, cruise line, tour operator, or other travel provider. The Bankruptcy orDefault must cause a complete cessation of travel services. The Bankruptcy or Default must occur more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default Of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; TRIP INTERRUPTION Trip Interruption must be due to one of the following Unforeseen reasons that occurs while this coverage is in effect for You: 3. the following other Unforeseen reasons which occur to You or Your Traveling Companion provided such circumstances occur while this coverage is in effect: n. Bankruptcy or Default of the airline, cruise line, tour operator, or other travel provider. The Bankruptcy orDefault must cause a complete cessation of travel services. The Bankruptcy or Default must occur while onYour Trip and more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; Read Hide Full Policy Wording
	TRIP CANCELLATION Cancellation must be due to one of the following Unforeseen reasons that occurs after the purchase of this Policy and while this coverage is in effect for You: 3. the following other Unforeseen reasons which occur to You or Your Traveling Companion provided such events occur while this coverage is in effect: o. Bankruptcy or Default of the airline, cruise line, tour operator, or other travel provider. The Bankruptcy orDefault must cause a complete cessation of travel services. The Bankruptcy or Default must occur more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default Of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; TRIP INTERRUPTION Trip Interruption must be due to one of the following Unforeseen reasons that occurs while this coverage is in effect for You: 3. the following other Unforeseen reasons which occur to You or Your Traveling Companion provided such circumstances occur while this coverage is in effect: n. Bankruptcy or Default of the airline, cruise line, tour operator, or other travel provider. The Bankruptcy orDefault must cause a complete cessation of travel services. The Bankruptcy or Default must occur while onYour Trip and more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period; Read Hide Full Policy Wording

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