Missed Connection

8. MISSED CONNECTIONS FOR AIR AND CRUISES ONLY BENEFIT

Subject to SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE, the Insured’s coverage under the Missed Connections For Air and Cruises Only Benefit will take effect on the Scheduled Date of Departure.

We will reimburse the Insured a Missed Connections For Air and Cruises Only Benefit, for reasonable additional lodging arrangements, meal expenses, and the unused portion of the Insured’s travel arrangements, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule, if he/she misses his/her air connection or Cruise departure as the result of a documented traffic accident while the Insured is en route to his/her departure, the cancellation of or the delay of three hours or more of all regularly scheduled departure times due to mechanical breakdown of the Common Carrier or due to Adverse Weather Conditions.

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip;

b) reasonable accommodations and meal expenses; and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

MISSED CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination including Your return destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier;

b) documented weather condition preventing You from getting to the point of departure for Your Trip;

c) Quarantine, hijacking, Strike, Natural Disaster, Terrorist Incident or riot;

d) You are denied access by a customs, airline, cruise line, or TSA agent or employee due to positive results of a medical screening or suspicion that You may have a contagious disease while attempting to board. This must be substantiated by written documentation from the entity denying access detailing the reason for denied access.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1) Your Additional Transportation Cost to join the departed Trip; and

2) Your prepaid expenses for the unused land or water Travel Arrangements.

MISSED CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination including Your return destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier;

b) documented weather condition preventing You from getting to the point of departure for Your Trip;

c) Quarantine, hijacking, Strike, Natural Disaster, Terrorist Incident or riot;

d) You are denied access by a customs, airline, cruise line, or TSA agent or employee due to positive results of a medical screening or suspicion that You may have a contagious disease while attempting to board. This must be substantiated by written documentation from the entity denying access detailing the reason for denied access.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1) Your Additional Transportation Cost to join the departed Trip; and

2) Your prepaid expenses for the unused land or water Travel Arrangements.

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and twelve (12) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;

b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;

c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and twelve (12) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;
b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;
c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and twelve (12) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;

b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;

c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due toInclement Weather.

MISSED CONNECTION

We will reimburse you, up to the maximum amount shown in the schedule of benefits if, while on a covered trip, you miss a trip departure resulting from delay of at least three (3) consecutive hours of your scheduled airline flights due to inclement weather or common carrier caused delay, for:

a. Additional transportation expenses incurred by you to join the departed trip;
b. Reasonable accommodation and meal expenses incurred, which were not paid or provided for by any other source, up to the per day amount shown in the schedule of benefits; and
c. Pre-paid, non-refundable trip payments for the unused portion of the trip.

The common carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

These benefits will not duplicate any other benefit payments payable under this policy or any coverage attached to this policy.

MISSED CONNECTION

If, while on a Trip, You miss a Trip departure resulting from cancellation or delay of at least 3 consecutive hours of all Your regularly scheduled airline flights due to Inclement Weather or Common Carrier caused delay, the Company will reimburse You up to the Maximum Limit shown in the Schedule for:

a) additional transportation expenses incurred by the Insured to join the departed Trip; and

(b) pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

MISSED CONNECTION

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured misses a Trip departure resulting from cancellation or delay, of at least the number of consecutive hours listed in the Schedule, of all the regularly scheduled airline flights due to Inclement Weather, Named Storm, or Common Carrier caused delay. The benefit will be limited to the:

(a) Additional transportation expenses incurred by the Insured to join the departed Trip; and
(b) Pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight.

This benefit does not apply if the Insured’s domestic travel arrangements allow less than 1 hour between connections, or the Insured’s international travel arrangements allow less than 2 hours between connections.

MISSED CONNECTION

If, while on a Trip, You miss a Trip departure resulting from cancellation or delay of at least 3 consecutive hours of all Your regularly scheduled airline flights due to Inclement Weather or Common Carrier caused delay, the Company will reimburse You up to the Maximum Limit shown in the Schedule for:

a) additional transportation expenses incurred by the Insured to join the departed Trip; and

b) pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

MISSED CONNECTION

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured misses a Trip departure resulting from cancellation or delay, of at least the number of consecutive hours listed in the Schedule, of all the regularly scheduled airline flights due to Inclement Weather, Named Storm, or Common Carrier caused delay. The benefit will be limited to the:

(a) Additional transportation expenses incurred by the Insured to join the departed Trip; and

(b) Pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight.This benefit does not apply if the Insured’s domestic travel arrangements allow less than 1 hour between connections, or the Insured’s international travel arrangements allow less than 2 hours between connections.

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip;

b) reasonable accommodations and meal expenses; and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

MISSED CONNECTION COVERAGE

We will pay for Covered Expenses up to the amount in the Schedule should you miss your cruise or tour departure as a result of the cancellation or delay of 3 hours or more of your regularly scheduled airline flight due to adverse weather. For this benefit, Covered Expenses means additional transportation expenses incurred to join the departed cruise or tour, reasonable additional Accommodation and meal expenses incurred en route to catch up to the cruise or tour, and non-refundable cruise or tour payments for the unused portion of your water or land arrangements. This coverage is available if no other coverage is provided by a Common Carrier or other party at no cost to you, and if no coverage is available elsewhere in the Policy.

MISSED CONNECTION COVERAGE

We will pay for Covered Expenses up to the amount in the Schedule should you miss your cruise or tour departure as a result of the cancellation or delay of 3 hours or more of your regularly scheduled airline flight due to adverse weather. For this benefit, Covered Expenses means additional transportation expenses incurred to join the departed cruise or tour, reasonable additional Accommodation and meal expenses incurred en route to catch up to the cruise or tour, and non-refundable cruise or tour payments for the unused portion of your water or land arrangements. This coverage is available if no other coverage is provided by a Common Carrier or other party at no cost to you, and if no coverage is available elsewhere in the Policy.

MISSED CONNECTION COVERAGE

We will pay for Covered Expenses up to the amount in the Schedule should you miss your cruise or tour departure as a result of the cancellation or delay of 3 hours or more of your regularly scheduled airline flight due to adverse weather. For this benefit, Covered Expenses means additional transportation expenses incurred to join the departed cruise or tour, reasonable additional Accommodation and meal expenses incurred en route to catch up to the cruise or tour, and non-refundable cruise or tour payments for the unused portion of your water or land arrangements. This coverage is available if no other coverage is provided by a Common Carrier or other party at no cost to you, and if no coverage is available elsewhere in the Policy.

MISSED TRIP CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for at least six (6) consecutive hours, due to:

1. any delay, cancellation or mechanical breakdown of regularly scheduled Common Carrier, must be documented by the Common Carrier;
2. Inclement Weather that is documented;
3. Quarantine, hijacking, Strike, Natural Disaster, terrorism or Civil Disorder or Riot;

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1. Additional Transportation Cost incurred by You to join the departed Trip.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

MISSED TRIP CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for at least three (3) consecutive hours, due to:

1. any delay, cancellation or mechanical breakdown of regularly scheduled Common Carrier, must be documented by the Common Carrier;
2. Inclement Weather that is documented;
3. Quarantine, hijacking, Strike, Natural Disaster, terrorism or Civil Disorder or Riot;

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1. Additional Transportation Cost incurred by You to join the departed Trip.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

MISSED CONNECTION

If You miss Your cruise or tour departure because Your arrival at Your Trip departure point is delayed for six (6) hours or more due to one of the covered Missed Connection Events listed below, We will reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits for the following:

1. Your Additional Transportation Cost to join the departed Trip; and
2. Your unused, Pre-paid nonrefundable Payments or Deposits for Your Travel Arrangements insured under this Policy.

For this benefit, a covered Missed Connection Event shall mean:

a) any officially documented delay of Your Common Carrier;
b) Severe Weather preventing You from getting to the point of departure for Your Trip; or
c) Your or Your Traveling Companion’s Quarantine;
d) hijacking, Strike, Natural Disaster, terrorism or riot.

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip;

b) reasonable accommodations and meal expenses; and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip;

b) reasonable accommodations and meal expenses; and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip;

b) reasonable accommodations and meal expenses; and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and six (6) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;

b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;

c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and six (6) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;

b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;

c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and six (6) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;
b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;
c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and six (6) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;
b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;
c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

MISSED TOUR OR CRUISE CONNECTION – up to $250 per day to a maximum of $1,500

If You miss Your tour or cruise departure because Your arrival at Your Trip destination is delayed for at least 3 consecutive hours, due to:

1. any delay, cancellation or mechanical breakdown of regularly scheduled Common Carrier must be documented by the Common Carrier;

2. Inclement Weather that is documented;

3. Quarantine, hijacking, Strike, Natural Disaster, terrorism or Civil Disorder or Riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1. Reasonable Expenses; and

2. Additional Transportation Cost incurred by You to join the departed cruise or tour.

Coverage is secondary if reimbursable by any other source.

This benefit may not be combined with Trip Cancellation, Trip Interruption or Trip Delay benefits.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

MISSED TOUR OR CRUISE CONNECTION

If You miss Your tour or cruise departure because Your arrival at Your Trip destination is delayed for at least 3 consecutive hours, due to:

1. any delay, cancellation or mechanical breakdown of regularly scheduled Common Carrier must be documented by the Common Carrier;
2. Inclement Weather that is documented;
3. Quarantine, hijacking, Strike, Natural Disaster, terrorism or Civil Disorder or Riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1. Reasonable Expenses; and
2. Additional Transportation Cost incurred by You to join the departed cruise or tour.

Coverage is secondary if reimbursable by any other source.

This benefit may not be combined with Trip Cancellation, Trip Interruption or Trip Delay benefits.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

MISSED TOUR OR CRUISE CONNECTION

If You miss Your tour or cruise departure because Your arrival at Your Trip destination is delayed for at least 3 consecutive hours, due to:

1. any delay, cancellation, or mechanical breakdown of regularly scheduled Common Carrier must be documented by the Common Carrier;
2. Inclement Weather that is documented;
3. Quarantine, hijacking, Strike, Natural Disaster, terrorism or Civil Disorder or Riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1. Reasonable Expenses; and
2. Additional Transportation Cost incurred by You to join the departed cruise or tour; and
3. unused, forfeited, prepaid, non-refundable Payments or Deposits paid for the land or water Travel ArrangementsYou purchased for Your Trip

Coverage is secondary if reimbursable by any other source.

This benefit may not be combined with Trip Cancellation, Trip Interruption, or Trip Delay benefits.

These benefit(s) will not duplicate any other benefits payable under the policy, or any coverage(s) attached to the policy

MISSED CONNECTION

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured misses a Trip departure resulting from cancellation or delay, of at least the number of consecutive hours listed in the Schedule, of all the regularly scheduled airline flights due to Inclement Weather, a Named Storm, or Common Carrier caused delay. The benefit will be limited to the:

a) Additional transportation expenses incurred by the Insured to join the departed Trip; and
b) Pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight.

This benefit does not apply if the Insured’s domestic travel arrangements allow less than 1 hour between connections, or the Insured’s international travel arrangements allow less than 2 hours between connections.

MISSED CONNECTION

If, while on a Trip, You miss a Trip departure resulting from cancellation or delay of at least 3 consecutive hours of all Your regularly scheduled airline flights due to Inclement Weather or Common Carrier caused delay, the Company will reimburse You up to the Maximum Limit shown in the Schedule for:

a) additional transportation expenses incurred by the Insured to join the departed Trip; and

b) pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

MISSED CONNECTION

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured misses a Trip departure resulting from cancellation or delay, of at least the number of consecutive hours listed in the Schedule, of all the regularly scheduled airline flights due to Inclement Weather, Named Storm, or Common Carrier caused delay. The benefit will be limited to the:

a) Additional transportation expenses incurred by the Insured to join the departed Trip; and

b) Pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight.

This benefit does not apply if the Insured’s domestic travel arrangements allow less than 1 hour between connections, or the Insured’s international travel arrangements allow less than 2 hours between connections.

MISSED CONNECTION

If, while on a Trip, You miss a Trip departure resulting from cancellation or delay of at least 3 consecutive hours of all Your regularly scheduled airline flights due to Inclement Weather or Common Carrier caused delay, the Company will reimburse You up to the Maximum Limit shown in the Schedule for:

a) additional transportation expenses incurred by the Insured to join the departed Trip; and

b) pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

MISSED CONNECTION

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured misses a Trip departure resulting from cancellation or delay, of at least the number of consecutive hours listed in the Schedule, of all the regularly scheduled airline flights due to Inclement Weather, Named Storm, or Common Carrier caused delay. The benefit will be limited to the:

a) Additional transportation expenses incurred by the Insured to join the departed Trip; and
b) Pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight.

This benefit does not apply if the Insured’s domestic travel arrangements allow less than 1 hour between connections, or the Insured’s international travel arrangements allow less than 2 hours between connections.

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip;

b) reasonable accommodations and meal expenses; and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

MISSED CONNECTION

We will reimburse you, up to the maximum amount shown in the schedule of benefitsif, while on a covered trip, you miss a trip departure resulting from delay of at least twelve (12) consecutive hours of your scheduled airline flights due to inclement weather or common carrier caused delay, for:

a. Additional transportation expenses incurred by you to join the departed trip;
b. Reasonable accommodation and meal expenses incurred, which were not paid or provided for by any other source, up to the per day amount shown in the schedule of benefits; and
c. Pre-paid, non-refundable trip payments for the unused portion of the trip.

The common carriermust certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

These benefits will not duplicate any other benefit payments payable under this policy or any coverage attached to this policy.

MISSED CONNECTION

We will reimburse you, up to the maximum amount shown in the schedule of benefits if, while on a covered trip, you miss a trip departure resulting from delay of at least six (6) consecutive hours of your scheduled airline flights due to inclement weather or common carrier caused delay, for:

a. Additional transportation expenses incurred by you to join the departed trip;

b. Reasonable accommodation and meal expenses incurred, which were not paid or provided for by any other source, up to the per day amount shown in the schedule of benefits; and

c. Pre-paid, non-refundable trip payments for the unused portion of the trip.

The common carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

These benefits will not duplicate any other benefit payments payable under this policy or any coverage attached to this policy.

MISSED CONNECTION

If You miss Your cruise or tour departure because Your arrival at Your Trip destination is delayed for 3 or more hours, due to:

a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);

b) documented weather condition preventing You from getting to the point of departure;

c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.

We will reimburse You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, for:

a) Your Additional Transportation Cost to join Your Trip; and

b) Your Prepaid expenses for the unused land or water Travel Arrangements ; and

c) reasonable accommodation, telephone and meal expenses up to $200 per day necessarily incurred by You for which You have proof of purchase and which were not paid for or provided by any other source.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

MISSED TOUR OR CRUISE CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for at least 3 consecutive hours, due to:

1. any delay, cancellation or mechanical breakdown of regularly scheduled Common Carrier must be documented by the Common Carrier;
2. Inclement Weather that is documented;
3. Quarantine, hijacking, Strike, Natural Disaster, terrorism or Civil Disorder or Riot;

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1. Reasonable Additional Expenses; and
2. Additional Transportation Cost incurred by You to join the departed Trip; and
3. unused, forfeited, prepaid non-refundable Payments or Deposits paid for the land or water Travel Arrangements You purchased for Your Trip.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

MISSED TOUR OR CRUISE CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for at least 12 consecutive hours, due to:

1. any delay, cancellation or mechanical breakdown of regularly scheduled Common Carrier must be documented by the Common Carrier; 2. Inclement Weather that is documented; 3. Quarantine, hijacking, Strike, Natural Disaster, terrorism or Civil Disorder or Riot;

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1. Reasonable Additional Expenses; and 2. Additional Transportation Cost incurred by You to join the departed Trip; and 3. unused, forfeited, prepaid non-refundable Payments or Deposits paid for the land or water Travel Arrangements

You purchased for Your Trip.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

MISSED TRIP CONNECTION

If You miss Your Trip departure because Your arrival at Your Trip destination is delayed for at least 3 consecutive hours,
due to:

1. any delay, cancellation or mechanical breakdown of regularly scheduled Common Carrier must be documented by the Common Carrier;

2. Inclement Weather that is documented;

3. Quarantine, hijacking, Strike, Natural Disaster, terrorism or Civil Disorder or Riot;

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for:

1. Reasonable Additional Expenses; and

2. Additional Transportation Cost incurred by You to join the departed Trip; and

3. unused, forfeited, prepaid non-refundable Payments or Deposits paid for the land or water Travel Arrangements You purchased for Your Trip.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

If, while on a Trip, You miss a Trip departure resulting from cancellation or delay of at least 3 consecutive hours of all Your regularly scheduled airline flights due to Inclement Weather or Common Carrier caused delay, the Company will reimburse You up to the Maximum Limit shown in the Schedule for:

a) additional transportation expenses incurred by the Insured to join the departed Trip; and

b) pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

MISSED CONNECTION

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured misses a Trip departure resulting from cancellation or delay, of at least the number of consecutive hours listed in the Schedule, of all the regularly scheduled airline flights due to Inclement Weather, Named Storm, or Common Carrier caused delay. The benefit will be limited to the:

a) Additional transportation expenses incurred by the Insured to join the departed Trip; and

b) Pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight.This benefit does not apply if the Insured’s domestic travel arrangements allow less than 1 hour between connections, or the Insured’s international travel arrangements allow less than 2 hours between connections.

MISSED CONNECTION

If, while on a Trip, You miss a Trip departure resulting from cancellation or delay of at least 3 consecutive hours of all Your regularly scheduled airline flights due to Inclement Weather or Common Carrier caused delay, the Company will reimburse You up to the Maximum Limit shown in the Schedule for:

a) additional transportation expenses incurred by the Insured to join the departed Trip; and

b) pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.

MISSED CONNECTION

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured misses a Trip departure resulting from cancellation or delay, of at least the number of consecutive hours listed in the Schedule, of all the regularly scheduled airline flights due to Inclement Weather, Named Storm, or Common Carrier caused delay. The benefit will be limited to the:

a) Additional transportation expenses incurred by the Insured to join the departed Trip; and

b) Pre-paid, non-refundable Trip payments for the Unused portion of the Trip. The Common Carrier must certify the delay of the regularly scheduled airline flight.

This benefit does not apply if the Insured’s domestic travel arrangements allow less than 1 hour between connections, or the Insured’s international travel arrangements allow less than 2 hours between connections.

MISSED CONNECTION

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured misses a Trip departure resulting from cancellation or delay, of at least the number of consecutive hours listed in the Schedule, of all the regularly scheduled airline flights due to Inclement Weather, Named Storm, or Common Carrier caused delay. The benefit will be limited to the:

a) Additional transportation expenses incurred by the Insured to join the departed Trip; and

b) Pre-paid, non-refundable Trip payments for the Unused portion of the Trip.

The Common Carrier must certify the delay of the regularly scheduled airline flight.

This benefit does not apply if the Insured’s domestic travel arrangements allow less than 1 hour between connections, or the Insured’s international travel arrangements allow less than 2 hours between connections.

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and twelve (12) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;
b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;
c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and six (6) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;
b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;
c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

MISSED CONNECTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, if You miss Your Cruise or tour departure, scheduled during Your Trip, that results from the cancellation or a delay for between three (3) and six (6) hours of all regularly scheduled airline flights due to the following event:

a) Documented weather condition preventing You from getting to the point of departure for Your Trip.

Benefits are provided for:

a) additional transportation expenses needed for You to join Your departed Cruise or tour;

b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits;

c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Cruise.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their Cruise or tour due to Inclement Weather.

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if, during a Covered Trip, You missed a connecting flight by the minimum number of hours stated on the Schedule of Benefits resulting from cancellation or delay of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) Additional transportation expenses needed for You to join the departed Covered Trip;
b) Reasonable accommodations and meal expenses; and
c) Non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if, during a Covered Trip, You missed a connecting flight by the minimum number of hours stated on the Schedule of Benefits resulting from cancellation or delay of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a. Additional transportation expenses needed for You to join the departed Covered Trip;
b. Reasonable accommodations and meal expenses; and
c. Non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if, during a Covered Trip, You missed a connecting flight by the minimum number of hours stated on the Schedule of Benefits resulting from cancellation or delay of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) Additional transportation expenses needed for You to join the departed Covered Trip;

b) Reasonable accommodations and meal expenses; and

c) Non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip,

b) reasonable accommodations and meal expenses, and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

MISSED CONNECTION

We will pay the benefit shown on the Schedule of Benefits if You missed a connecting flight during Your Covered Trip due to cancellation or delay for at least the number of hours shown on the Schedule of Benefits of all regularly scheduled airline flights due to Inclement Weather or any delay caused by a Common Carrier. Benefits of up to the amount shown on the Schedule of Benefits are provided to cover:

a) additional transportation expenses needed for You to join the departed Covered Trip,

b) reasonable accommodations and meal expenses, and

c) non-refundable Covered Trip payments for the unused portion of Your Covered Trip.

Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to You if You are able to meet Your scheduled connection departure but cancel Your Covered Trip due to Inclement Weather.

Missed Connection

If You miss Your cruise, tour, flight or Trip departure because Your arrival at Your Trip departure point is delayed for three (3) hours due to one of the covered Missed Connection events listed below, We will reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits for:

1. Your Additional Transportation Cost to join the departed Trip; and

2. Your unused, Pre-paid nonrefundable Payments or Deposits for Your Travel Arrangements insured under this Policy.

For this benefit, a covered Missed Connection event shall mean:

a. any officially documented delay of Your Common Carrier;

b. severe weather preventing You from getting to the point of departure for Your Trip; or

c. Quarantine, hijacking, Strike, Natural Disaster, Terrorist Incident, Cyber Terrorism or Riot.

Missed Connection

If You miss Your cruise, tour, flight or Trip departure because Your arrival at Your Trip departure point is delayed for three (3) hours due to one of the covered Missed Connection events listed below, We will reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits for:

1. Your Additional Transportation Cost to join the departed Trip; and

2. Your unused, Pre-paid nonrefundable Payments or Deposits for Your Travel Arrangements insured under this Policy.

For this benefit, a covered Missed Connection event shall mean:

a. any officially documented delay of Your Common Carrier;

b. severe weather preventing You from getting to the point of departure for Your Trip; or

c. Quarantine, hijacking, Strike, Natural Disaster, Terrorist Incident, Cyber Terrorism or Riot.

Missed Connection

If You miss Your cruise, tour, flight or Trip departure because Your arrival at Your Trip departure point is delayed for three (3) hours due to one of the covered Missed Connection events listed below, We will reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits for:

1. Your Additional Transportation Cost to join the departed Trip; and

2. Your unused, Pre-paid nonrefundable Payments or Deposits for Your Travel Arrangements insured under this Policy.

For this benefit, a covered Missed Connection event shall mean:

a. any officially documented delay of Your Common Carrier;
b. severe weather preventing You from getting to the point of departure for Your Trip; or
c. Quarantine, hijacking, Strike, Natural Disaster, Terrorist Incident, Cyber Terrorism or Riot

Missed Connection

If You miss Your cruise, tour, flight or Trip departure because Your arrival at Your Trip departure point is delayed for three (3) hours due to one of the covered Missed Connection events listed below, We will reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits for:

1. Your Additional Transportation Cost to join the departed Trip; and
2. Your unused, Pre-paid non refundable Payments or Deposits for Your Travel Arrangements insured under this Policy

For this benefit, a covered Missed Connection event shall mean:
a) any officially documented delay of Your Common Carrier;
b) severe weather preventing You from getting to the point of departure for Your Trip; or
c) Quarantine, hijacking, Strike, Natural Disaster, Terrorist Incident, Cyber Terrorism or Riot.

Missed Connection

If You miss Your cruise, tour, flight or Trip departure because Your arrival at Your Trip departure point is delayed for three (3) hours due to one of the covered Missed Connection events listed below, We will reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits for:

1. Your Additional Transportation Cost to join the departed Trip; and
2. Your unused, Pre-paid nonrefundable Payments or Deposits for Your Travel Arrangements insured under this Policy.

For this benefit, a covered Missed Connection event shall mean:

a. any officially documented delay of Your Common Carrier;
b. severe weather preventing You from getting to the point of departure for Your Trip; or
c. Quarantine, hijacking, Strike, Natural Disaster, Terrorist Incident, Cyber Terrorism or Riot.

Missed Connection

If You miss Your cruise, tour, flight or Trip departure because Your arrival at Your Trip departure point is delayed for three(3) hours due to one of the covered Missed Connection events listed below, We will reimburse You up to the MaximumBenefit Amount shown in the Schedule of Benefits for:

1. Your Additional Transportation Cost to join the departed Trip; and

2. Your unused, Pre-paid nonrefundable Payments or Deposits for Your Travel Arrangements insured under this Policy.

For this benefit, a covered Missed Connection event shall mean:

a. any officially documented delay of Your Common Carrier;

b. severe weather preventing You from getting to the point of departure for Your Trip; or

c. Quarantine, hijacking, Strike, Natural Disaster, Terrorist Incident, Cyber Terrorism or Riot.