Sports Fees

Included in Trip Cancellation coverage. Please note the following sports related exclusions under the policy:

We will not pay for any loss under this Policy, arising directly or indirectly out of, or as a result of, or from, or that occur to, or are as a result of the actions of, the Insured or the Insured’s Family Member or Traveling Companion for the following:

e. participation as a professional in athletics while on a Covered Trip;

f. participation in organized amateur or interscholastic athletic or sports competition or related practice events;

g. riding or driving in any motor competition;

h. off-road driving, whether as a driver or as a passenger;

m. operating or learning to operate any aircraft, as pilot or crew;

n. mountain climbing, bungee jumping, snow skiing outside marked trails, skydiving, Parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device, other than on a regularly scheduled airline or air charter company, extreme sports, snowboarding outside marked trails, heliskiing, heli snowboarding, heli-snowmobiling, backcountry skiing, backcountry snowboarding, or backcountry snowmobiling;

o. mountaineering where ropes or guides are commonly used including ascending and descending a mountain requiring specialized equipment, including but not limited to anchors, bolts, carabineers, crampons, lead/toprope anchoring equipment and pick-axes;

p. participating in underwater activities if the depth of the water exceeds 75 feet or more or scuba diving if the depth of the water exceeds 75 feet or more;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports, skydiving, mountaineering where ropes or guides are normally used, hang gliding, parachuting, any race by horse, motor vehicle or motorcycle, bungee cord jumping, scuba diving, spelunking, caving or rock climbing;

9. Participation as a professional athlete, participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

SECTION III – POLICY LIMITATIONS AND EXCLUSIONS

Benefits are not payable for any loss due to, arising or resulting from:

4. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment), rock climbing without equipment, cliff diving, or any activity materially similar to the above;

5. participating as a professional in a stunt, athletic or sporting event or competition;

6. participating in skydiving or parachuting, hang gliding, bungee cord jumping, multi-sport endurance competitions, BASE jumping, free diving, fly by wire, parkour, wingsuit flying, extreme skiing or extreme snowboarding, skiing outside marked trails or heli-skiing or heli-snowboarding, any race or speed contests, bull riding, running of the bulls, scuba diving if the depth exceeds 130 feet or if You are not PADI or NAUI certified to dive and a dive master is not present during the dive; spelunking or bodily contact sports or any activities materially similar to the above;

7. piloting or learning to pilot or acting as a member of the crew of any aircraft;

OPTIONAL SPORTS EQUIPMENT RENTAL:
$1,000 per insured. Sports coverage for pre-paid tickets, rentals and lessons.

If Your Trip is canceled or interrupted due to a covered Unforeseen reason, coverage is provided for the costs of unused Non-Refundable deposits and payments that were arranged separately from the vacation for pre-paid lift tickets, green fees, equipment rentals and lessons up to the amount shown in the Schedule of Benefits.

SECTION III – POLICY LIMITATIONS AND EXCLUSIONS

Benefits are not payable for any loss due to, arising or resulting from:

4. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment), rock climbing without equipment, cliff diving, or any activity materially similar to the above;

5. participating as a professional in a stunt, athletic or sporting event or competition;

6. participating in skydiving or parachuting, hang gliding, bungee cord jumping, multi-sport endurance competitions, BASE jumping, free diving, fly by wire, parkour, wingsuit flying, extreme skiing or extreme snowboarding, skiing outside marked trails or heli-skiing or heli-snowboarding, any race or speed contests, bull riding, running of the bulls, scuba diving if the depth exceeds 130 feet or if You are not PADI or NAUI certified to dive and a dive master is not present during the dive; spelunking or bodily contact sports or any activities materially similar to the above;

7. piloting or learning to pilot or acting as a member of the crew of any aircraft;

OPTIONAL SPORTS EQUIPMENT RENTAL:
$1,000 per insured. Sports coverage for pre-paid tickets, rentals and lessons.

If Your Trip is canceled or interrupted due to a covered Unforeseen reason, coverage is provided for the costs of unused Non-Refundable deposits and payments that were arranged separately from the vacation for pre-paid lift tickets, green fees, equipment rentals and lessons up to the amount shown in the Schedule of Benefits.

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

24. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Lost Golf Rounds, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

24. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Lost Skier Days:

1. Season Passes;

2. Multiple Ski mountains if one of the mountains does not meet the specifications stated in the Lost Skier Days benefit .

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Included in Trip Cancellation coverage. Please note the following sports related exclusions under the policy:

In addition to any applicable benefit-specific exclusions, the following exclusions apply to all losses and all benefits. Unless otherwise shown below, these exclusions apply to you, your traveling companion, family member, host at destination, business partner, pet and service animal. This policy does not cover any loss for, caused by or resulting from:

c. Operating or working as a crew member (including as a trainee or learner/student) aboard any aircraft or commercial vehicle or commercial watercraft;

h. The following activities are excluded:

1. Participation in professional athletic events, motor sport, or motor racing, including training or practice for the same; sky diving, parachuting, hang gliding, bungee cord jumping, heliskiing, spelunking; parkour;

2. Mountain climbing over fifteen thousand (15,000) feet that requires the use of equipment such as pick-axes; anchors; bolts; crampons; carabineers; and lead or top-rope anchoring or other specialized equipment;

3. Operating or learning to operate any aircraft, as student, pilot, or crew;

4. Air travel on any air-supported device, other than a regularly scheduled airline or air charter company;

5. Participation in underwater activities such as scuba diving (if depth exceeds forty (40) meters or one hundred thirty-one (131) feet or more);

Emergency Evacuation and Repatriation of Remains Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Emergency Evacuation and Repatriation of Remains Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

e. Your participation in extreme activities or dangerous activities, except as a spectator.

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motorsport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pick‐ axes, anchors, bolts, crampons, carabineers, and lead or top‐rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air‐supported device, other than a regularly scheduled airline or air charter;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

This policy does not cover any Loss caused by or resulting from:

Adventure Sports, unless otherwise covered under the policy;

“Adventure Sports” means participation in extreme or high-risk activities including but not limited to:

a) Professional athletic events;
b) Motor sport, or motor racing, including training or practice for the same;
c) Caving, spelunking, free climbing or mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;
d) Free diving or scuba diving at a depth greater than 60 feet or without a dive master.
e) Operating or learning to operate any aircraft, as student, pilot, or crew;
f) Skydiving, BASE jumping, bungee jumping, zip lining, hang gliding or parachuting or air travel on any air-supported device, other than a regularly scheduled airline or air charter;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pickaxes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The policy certificate includes the following language:

This plan does not cover any loss caused by or resulting from:

Adventure Sports, unless otherwise covered under the policy;

“Adventure Sports” means participation in extreme or high-risk activities including but not limited to:

a) Professional athletic events;

b) Motor sport, or motor racing, including training or practice for the same;

c) Caving, spelunking, free climbing or mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

d) Free diving or scuba diving at a depth greater than 60 feet or without a dive master.

e) Operating or learning to operate any aircraft, as student, pilot, or crew;

f) Skydiving, BASE jumping, bungee jumping, zip lining, hang gliding or parachuting or air travel on any air-supported device, other than a regularly scheduled airline or air charter;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pickaxes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

This policy includes the following sports related benefits:

LICENSE FEE REFUND BENEFIT

License Fee Refund – License Cost

The Company will reimburse You for the prepaid non-refundable cost of Your hunting or fishing license or permits up to the Maximum Limit shown in the Schedule if the Insured is unable to travel due to one of the Unforeseen events shown in the Trip Cancellation Interruption Benefit.

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:

Other

b) You are unable to participate in a scheduled hunting/fishing expedition due to a delay of the necessary personal sporting equipment by the Common Carrier;

c) the United States government or local government issues a hunting/fishing activity restriction after the effective date of coverage at the Destination, which prohibits the hunting/fishing activity for which the Insured has booked the Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting/fishing, or the hunting/fishing activity being declared illegal.

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

This plan does not cover any loss caused by or resulting from:

Adventure Sports, unless otherwise covered under the policy;

“Adventure Sports” means participation in extreme or high-risk activities including but not limited to:

a) Professional athletic events;

b) Motor sport, or motor racing, including training or practice for the same;

c) Caving, spelunking, free climbing or mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

d) Free diving or scuba diving at a depth greater than 60 feet or without a dive master.

e) Operating or learning to operate any aircraft, as student, pilot, or crew;

f) Skydiving, BASE jumping, bungee jumping, zip lining, hang gliding or parachuting or air travel on any air-supported device, other than a regularly scheduled airline or air charter;

This policy includes the following sports related benefits:

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 Insured is unable to participate in a scheduled hunting/fishing expedition due to a delay of the necessary personal sporting equipment by the Common Carrier;

The United States government or local government issues a hunting/fishing activity restriction at the Destination after the Policy Effective Date, which prohibits the hunting/fishing activity for which the Insured has booked the Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting/fishing, or the hunting/fishing activity being declared illegal.

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

This policy does not cover any Loss caused by or resulting from:

Adventure Sports, unless otherwise covered under the policy;

“Adventure Sports” means participation in extreme or high-risk activities including but not limited to:

a) Professional athletic events;

b) Motor sport, or motor racing, including training or practice for the same;

c) Caving, spelunking, free climbing or mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

d) Free diving or scuba diving at a depth greater than 60 feet or without a dive master.

e) Operating or learning to operate any aircraft, as student, pilot, or crew;

f) Skydiving, BASE jumping, bungee jumping, zip lining, hang gliding or parachuting or air travel on any air-supported device, other than a regularly scheduled airline or air charter;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports, skydiving, mountaineering where ropes or guides are normally used, hang gliding, parachuting, any race by horse, motor vehicle or motorcycle, bungee cord jumping, scuba diving, spelunking, caving or rock climbing;

8. Serving as a contractor for the military, participation in any military maneuver or training exercise, police service or military service;

9. Participation as a professional athlete, participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

LIMITATIONS AND EXCLUSIONS:
The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Accidental Death & Dismemberment, Emergency Accident and Sickness Medical Expense:
Loss caused by or resulting from:

5. piloting or learning to pilot or acting as a member of the crew of any aircraft;

7. participation as an athlete in professional sports;

10. participation in Mountaineering;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

LIMITATIONS AND EXCLUSIONS:
The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Accidental Death & Dismemberment, Emergency Accident and Sickness Medical Expense:
Loss caused by or resulting from:

5. piloting or learning to pilot or acting as a member of the crew of any aircraft;

7. participation as an athlete in professional sports;

10. participation in Mountaineering;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

EXCLUSIONS AND LIMITATIONS

Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, Family Member, scheduled and booked to travel with You.

The following exclusions apply to the Medical and Dental Expense benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

15. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

16. diving if You are not certified to dive and a dive master is not present during the dive.

17. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

9. air travel on a privately owned aircraft (whether as a pilot or a passenger);

10. piloting or learning to pilot or acting as a member of the crew of any aircraft;

13. expenses resulting from a motor vehicle accident, unless the driver is properly licensed to operate the vehicle at the place and time of the Accident;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

EXCLUSIONS AND LIMITATIONS

Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, Family Member, Pet or Service Animal scheduled and booked to travel with You.

The following exclusions apply to the Medical and Dental Expense benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

15. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

16. diving if You are not certified to dive and a dive master is not present during the dive.

17. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

9. air travel on a privately owned aircraft (whether as a pilot or a passenger);

10. piloting or learning to pilot or acting as a member of the crew of any aircraft;

13. expenses resulting from a motor vehicle accident, unless the driver is properly licensed to operate the vehicle at the place and time of the Accident;

This policy includes the following sports related benefits:

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:

34. You or Your Child are required to participate in an inter-scholastic or team sporting event that has been scheduled after Your Trip Cancellation Effective Date and must occur during Your Scheduled Trip;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

EXCLUSIONS AND LIMITATIONS

Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, Family Member, Pet or Service Animal scheduled and booked to travel with You.

The following exclusions apply to the Medical and Dental Expense benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

15. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

16. diving if You are not certified to dive and a dive master is not present during the dive.

17. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

9. air travel on a privately owned aircraft (whether as a pilot or a passenger);

10. piloting or learning to pilot or acting as a member of the crew of any aircraft;

13. expenses resulting from a motor vehicle accident, unless the driver is properly licensed to operate the vehicle at the place and time of the Accident;

This policy includes the following sports related benefits:

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:

34. The United States government or local government issues a hunting or fishing activity restriction after Your Trip Cancellation Effective Date at Your Scheduled Destination, which prohibits the hunting or fishing activity for which You have booked the Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting or fishing, or the hunting or fishing activity being declared illegal;

36. You or Your Child are required to participate in an inter-scholastic or team sporting event that has been scheduled after Your Trip Cancellation Effective Date and must occur during Your Scheduled Trip;

37. closure of at least seventy-five percent (75%) of trails or slopes at the Scheduled Destination before the Scheduled Departure Date, due to insufficient snow, Natural Disaster, or trail condition. This coverage is available from December 1st through April 15th for ski resorts in the northern hemisphere, and May 1st through September 30th for ski resorts in the southern hemisphere;

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:

30. The United States government or local government issues a hunting or fishing activity restriction while on Your Trip which prohibits the hunting or fishing activity for which You have booked Your Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting or fishing, or the hunting or fishing activity being declared illegal;

32. If You or Your Traveling Companion are unable to ski during Your Trip due to fifty percent (50%) or more of the trails or slopes closing for at least eight (8) consecutive hours, (excluding night skiing), from lack of snow, adverse weather or trail conditions, or Natural Disaster during Your Trip, We will reimburse You or Your Traveling Companion for the prorata value of Your or Your Traveling Companion’s prepaid ski lift tickets for each lost day of skiing during Your Trip.

The following conditions must be met for this benefit to be payable:
a) coverage begins on the later of the date You arrive at Your pre-booked ski resort or the date Your ski lift ticket is valid for;
b) a minimum of fifty percent (50%) of the trails must be open on the date You arrive at the ski resort;
c) Season Pass and night skiing are not covered by this benefit;
d) this coverage is available from December 1 through April 15 for ski resorts in the Northern Hemisphere and May 15 through September 30 for ski resorts in the Southern Hemisphere;
e) coverage is only available if You purchase the coverage within the Time Sensitive Period.

You must provide a copy of the pre-paid ski lift ticket receipts and written reports from the ski resort stating the date, length of time, number and reason of trail closures for which You are submitting a claim.

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

Benefits are not payable for any loss due to, arising or resulting from:

5. riding or driving in races, or speed or endurance competitions or events;

6. participating as a member of a team in an Organized Sports competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in Adventure Sports, Bodily Contact Sports, Extreme Sports, Hazardous Sports, Mountaineering, Organized Sports, any race or speed contests;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete, participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

In addition to the exclusions in the Policy, the following exclusions apply to Accidental Death and Dismemberment -Air Only coverage and Frequent Travel Loyalty coverage:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete, participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

In addition to the exclusions in the Policy, the following exclusions apply to Accidental Death and Dismemberment -Air Only coverage:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident
and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete, participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

In addition to the exclusions in the Policy, the following exclusions apply to Accidental Death and Dismemberment -Air Only and Frequent Travel Loyalty coverage:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Optional Accidental Death & Dismemberment, Optional Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Itinerary Change – Pre-Paid Excursion, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Optional Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

24. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Itinerary Change – Pre-Paid Excursion, Trip Delay, Missed Connection, Inconvenience to You, Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

5. piloting or learning to pilot or acting as a member of the crew of any aircraft;

7. participation as an athlete in professional sports;

10. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

24. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Itinerary Change – Pre-Paid Excursion, Trip Delay, Missed Connection, Inconvenience to You, Accidental Death & Dismemberment, Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Itinerary Change – Pre-Paid Excursion, Trip Delay, Missed Connection, Inconvenience to You, Accidental Death & Dismemberment, Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Included in Cancellation coverage. Please note the following sports related exclusions under the policy:

EXCLUSIONS AND LIMITATIONS

The following exclusions apply to the Medical and Dental Expense benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

15. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

16. diving if You are not certified to dive and a dive master is not present during the dive;

17. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

9. air travel on a privately owned aircraft (whether as a pilot or a passenger);

10. piloting or learning to pilot or acting as a member of the crew of any aircraft;

Included in Cancellation coverage. Please note the following sports related exclusions under the policy:

EXCLUSIONS AND LIMITATIONS

The following exclusions apply to the Medical and Dental Expense benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

15. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

16. diving if You are not certified to dive and a dive master is not present during the dive;

17. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits.

We will not pay for any loss or expense caused due to, arising or resulting from:

9. air travel on a privately owned aircraft (whether as a pilot or a passenger);

10. piloting or learning to pilot or acting as a member of the crew of any aircraft;

The following exclusions apply to the Medical and Dental Expense benefits.We will not pay for any loss or expense caused due to, arising, or resulting from

15. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

16. diving if You are not certified to dive and a dive master is not present during the dive;

17. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreed-upon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses andall benefits

9. air travel on a privately owned aircraft (whether as a pilot or a passenger);

10. piloting or learning to pilot or acting as a member of the crew of any aircraft

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

GENERAL EXCLUSIONS

This policy does not cover any Loss caused by or resulting from:

Adventure Sports, unless otherwise covered under the policy;

“Adventure Sports” means participation in extreme or high-risk activities including but not limited to:

a) Professional athletic events;
b) Motorsport, or motor racing, including training or practice for the same;
c) Caving, spelunking, free climbing or mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;
d) Free diving or scuba diving at a depth greater than 60 feet or without a divemaster.
e) Operating or learning to operate any aircraft, as student, pilot, or crew;
f) Skydiving, BASE jumping, bungee jumping, zip lining, hang gliding or parachuting or air travel on any air-supported device, other than a regularly scheduled airline or air charter;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

This policy does not cover any Loss caused by or resulting from:

Adventure Sports, unless otherwise covered under the policy;

“Adventure Sports” means participation in extreme or high-risk activities including but not limited to:

a) Professional athletic events;

b) Motor sport, or motor racing, including training or practice for the same;

c) Caving, spelunking, free climbing or mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

d) Free diving or scuba diving at a depth greater than 60 feet or without a dive master.

e) Operating or learning to operate any aircraft, as student, pilot, or crew;

f) Skydiving, BASE jumping, bungee jumping, zip lining, hang gliding or parachuting or air travel on any air-supported device, other than a regularly scheduled airline or air charter;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pick- axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

This policy does not cover any Loss caused by or resulting from:

Adventure Sports, unless otherwise covered under the policy;

“Adventure Sports” means participation in extreme or high-risk activities including but not limited to:

a) Professional athletic events;

b) Motor sport, or motor racing, including training or practice for the same;

c) Caving, spelunking, free climbing or mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

d) Free diving or scuba diving at a depth greater than 60 feet or without a dive master.

e) Operating or learning to operate any aircraft, as student, pilot, or crew;

f) Skydiving, BASE jumping, bungee jumping, zip lining, hang gliding or parachuting or air travel on any air-supported device, other than a regularly scheduled airline or air charter;

Included in Cancellation and Interruption coverage. This policy includes the following sports related benefits:

LICENSE FEE REFUND BENEFIT

The Company will reimburse You for the prepaid non-refundable cost of Your hunting or fishing license or permits up to the Maximum Limit shown in the Schedule if the Insured is unable to travel due to one of the Unforeseen events shown in the Trip Cancellation Interruption Benefit.

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:

Other

b) You are unable to participate in a scheduled hunting/fishing expedition due to a delay of the necessary personal sporting equipment by the Common Carrier;

c) the United States government or local government issues a hunting/fishing activity restriction after the effective date of coverage at the Destination, which prohibits the hunting/fishing activity for which the Insured has booked the Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting/fishing, or the hunting/fishing activity being declared illegal.

Included in Cancellation and Interruption coverage.

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

8. Serving as a contractor for the military, participation in any military maneuver or training exercise, police service or military service;

9. Participation as a professional athlete, participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

In addition to any applicable benefit-specific exclusions, the following exclusions apply to all losses and all benefits. Unless otherwise shown below, these exclusions apply to you, your traveling companion, and family member. This policy does not cover any loss for, caused by or resulting from:

c. Operating or working as a crew member(including as a trainee or learner/student) aboard any aircraft or commercial vehicle or commercial watercraft;

h. The following activities are excluded:

1. Participation in professional athletic events, motor sport, or motor racing, including training or practice for the same; sky diving, parachuting, hang gliding, bungee cord jumping, heliskiing, spelunking; extreme water skiing, snow skiing, jet skiing, snowboarding, skate boarding, BMX, white water rafting sports, hunting/shooting, parkour;

2. Mountain climbing that requires the use of equipment such as pick-axes; anchors; bolts; crampons; carabineers; and lead or top-rope anchoring or otherspecialized equipment;

3. Operating or learning to operate any aircraft, as student, pilot, or crew;

4. Air travel on any air-supported device, other than a regularly scheduled airline or air charter company;

5. Participation in underwater activities scuba diving (if depth exceeds thirty (30) feet or more);

Emergency Evacuation and Repatriation of Remains Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Emergency Evacuation and Repatriation of Remains Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

e. Your participation in adventure activities, extreme activities, winter activities or dangerous activities, except as a spectator;

Accidental Death and Dismemberment – Common Carrier (Air Only) Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Accidental Death and Dismemberment – Common Carrier (Air Only) Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

e. Your participation in adventure activities, winter activities, or dangerous activities, except as a spectator;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

In addition to any applicable benefit-specific exclusions, the following exclusions apply to all losses and all benefits. Unless otherwise shown below, these exclusions apply to you, your traveling companion, family member, host at destination, business partner and service animal. This policy does not cover any loss for, caused by or resulting from:

h. The following activities are excluded:

1. Participation in professional athletic events, motor sport, or motor racing, including training or practice for the same; sky diving, parachuting, hang gliding, bungee cord jumping, heliskiing, spelunking; extreme water skiing, snow skiing, jet skiing, snowboarding, skate boarding, BMX, white water rafting sports, hunting/shooting, parkour;

2. Mountain climbing that requires the use of equipment such as pick-axes; anchors; bolts; crampons; carabineers; and lead or top-rope anchoring or other specialized equipment;

3. Operating or learning to operate any aircraft, as student, pilot, or crew;

4. Air travel on any air-supported device, other than a regularly scheduled airline or air charter company;

5. Participation in underwater activities scuba diving (if depth exceeds thirty (30) feet or more);

Accidental Death and Dismemberment – Common Carrier (Air Only) Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Accidental Death and Dismemberment – Common Carrier (Air Only) Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

e. Your participation in adventure activities, winter activities, or dangerous activities, except as a spectator;

Emergency Evacuation and Repatriation of Remains Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Emergency Evacuation and Repatriation of Remains Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

e. Your participation in adventure activities, extreme activities, winter activities or dangerous activities, except as a spectator;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

Coverages to which General Exclusions apply: In addition to any applicable benefit-specific exclusions, the following exclusions apply to all Losses and all benefits. Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, and Immediate Family Member.

We will not pay for Loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

8. Your participation in Adventure Activities, Winter Activities or dangerous activities, except as a spectator;

10. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

11. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

Benefits are not payable for any loss due to, arising or resulting from:

4. riding or driving in races, or speed or endurance competitions or events;

5. mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);

6. participating as a member of a team in an organized sporting competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in bodily contact sports, skydiving or parachuting except parasailing, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heli-skiing, spelunking or caving, or scuba diving if the depth exceeds 120 feet (40 meters) or if You are not certified to dive and a dive master is not present during the dive;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

This policy includes the following sports related benefits:

COVERAGE G
ITINERARY CHANGE

In the event Your Travel Supplier makes a change in Your Trip itinerary after Your Scheduled Departure Date, which prevents You from participating in an event/activity Prepaid prior to departure and scheduled on Your Trip itinerary, non-refundable Prepaid event/activity expenses will be payable up to the Maximum Benefit Amount shown in the Confirmation of Benefits.

Benefits will not be paid if a comparable event/activity of equivalent cost is rescheduled during the course of Your Trip.

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

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

GENERAL EXCLUSIONS

This plan does not cover any loss caused by or resulting from:

c) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

d) mountain climbing that requires the use of equipment such as; pickaxes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

e) operating or learning to operate any aircraft, as student, pilot, or crew;

f) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

GENERAL EXCLUSIONS

This policy does not cover any Loss caused by or resulting from:

Adventure Sports, unless otherwise covered under the policy;

“Adventure Sports” means participation in extreme or high-risk activities including but not limited to:

a) Professional athletic events;

b) Motor sport, or motor racing, including training or practice for the same;

c) Caving, spelunking, free climbing or mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

d) Free diving or scuba diving at a depth greater than 60 feet or without a dive master.

e) Operating or learning to operate any aircraft, as student, pilot, or crew;

f) Skydiving, BASE jumping, bungee jumping, zip lining, hang gliding or parachuting or air travel on any air-supported device, other than a regularly scheduled airline or air charter;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

This plan does not cover any loss caused by or resulting from:

1) participation in professional athletic events; motor sport, or motor racing, including training or practice for the same;

2) mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

3) operating or learning to operate any aircraft, as student, pilot, or crew;

4) air travel on any air-supported device, other than a regularly scheduled airline or air charter;

This policy includes the following sports related benefits:

LICENSE FEE REFUND BENEFIT

License Fee Refund – License Cost

The Company will reimburse You for the prepaid non-refundable cost of Your hunting or fishing license or permits up to the Maximum Limit shown in the Schedule if the Insured is unable to travel due to one of the Unforeseen events shown in the Trip Cancellation Interruption Benefit.

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:

Other

b) You are unable to participate in a scheduled hunting/fishing expedition due to a delay of the necessary personal sporting equipment by the Common Carrier;

c) the United States government or local government issues a hunting/fishing activity restriction after the effective date of coverage at the Destination, which prohibits the hunting/fishing activity for which the Insured has booked the Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting/fishing, or the hunting/fishing activity being declared illegal.

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

GENERAL EXCLUSIONS

This policy does not cover any Loss caused by or resulting from:

Adventure Sports, unless otherwise covered under the policy;

“Adventure Sports” means participation in extreme or high-risk activities including but not limited to:

a) Professional athletic events;

b) Motor sport, or motor racing, including training or practice for the same;

c) Caving, spelunking, free climbing or mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment;

d) Free diving or scuba diving at a depth greater than 60 feet or without a dive master.

e) Operating or learning to operate any aircraft, as student, pilot, or crew;

f) Skydiving, BASE jumping, bungee jumping, zip lining, hang gliding or parachuting or air travel on any air-supported device, other than a regularly scheduled airline or air charter;

This policy includes the following sports related benefits:

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:

o) The Insured is unable to participate in a scheduled hunting/fishing expedition due to a delay of the necessary personal sporting equipment by the Common Carrier;

p) The United States government or local government issues a hunting/fishing activity restriction at the Destination after the Policy Effective Date, which prohibits the hunting/fishing activity for which the Insured has booked the Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting/fishing, or the hunting/fishing activity being declared illegal.

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Adventure Sports, Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming)

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Optional Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Adventure Sports, Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

25. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to: Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier (Air Only), Emergency Accident and Sickness Medical Expense:

Loss caused by or resulting from:

6. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. participation as an athlete in professional sports;

11. Participation in Adventure Sports, Bodily Contact Sports, Extreme Sports, Interscholastic Sports or Intramural Sports;

24. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming);

The following exclusions apply to Emergency Evacuation and Repatriation of Remains:

Loss caused by or resulting from:

3. piloting or learning to pilot or acting as a member of the crew of any aircraft;

4. participation as an athlete in professional sports, amateur sports, Interscholastic Sports or Intramural Sports;

5. participating in Bodily Contact Sports or Extreme Sports;

10. canyoning or canyoneering (traveling in canyons using a variety of techniques that may include walking, scrambling, climbing, jumping, abseiling and/or swimming).

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

Coverages to which General Exclusions apply: The following exclusions apply to Trip Cancellation, Trip Interruption, Airline Ticket Change Fee, Missed Connection, Trip Delay, Accidental Death and Dismemberment, Accidental Death and Dismemberment – Air Only, Emergency Accident and Emergency Sickness Medical Expense, Emergency Medical Evacuation and Medically Necessary Repatriation, Renters Collision and Repatriation of Remains.

We will not pay for loss caused by or resulting from:

7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle or motorcycle; bungee cord jumping; scuba diving, unless accompanied by a dive master where depth does not exceed one-hundred (100) feet; spelunking or caving; or rock climbing;

9. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

Included in Cancellation and Interruption coverage. This policy includes the following sports related benefits:

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:

x. being unable to participate in Diving, skiing, a competition, a performance, an activity or volunteer or mission program during the scheduled travel dates due to Sickness or Injury that occurred after this coverage is in effect, required the in-person Medical Treatment by a Physician, and in the written opinion of Physician, would prevent participation in such activities. The Diving, skiing, competition, performance, activity or program must be the sole or primary purpose for Your Trip.

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:

t. becoming unable to participate in Diving, skiing, a sporting competition, a performance, an activity or volunteer or mission program due to Sickness or Injury that occurs on the Trip, requires the in person Medical Treatment of a Physician, and in the written opinion of that Physician, prevents continued participation in such activities.

Please note the following sports related exclusions under the policy:

Benefits are not payable for any loss due to, arising or resulting from:

5. riding or driving in races, or speed or endurance competitions or events;

6. participating as a member of a team in an Organized Sports competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in Adventure Sports, Bodily Contact Sports, Extreme Sports, Organized Sports, any race or speed contests;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

Included in Cancellation and Interruption coverage. This policy includes the following sports related benefits:

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:

jj. being unable to participate in Diving, skiing, a competition, a performance, an activity or volunteer or mission program during the scheduled travel dates due to Sickness or Injury that occurred after this coverage is in effect, required the in-person Medical Treatment by a Physician, and in the written opinion of Physician, would prevent participation in such activities. The Diving, skiing, competition, performance, activity or program must be the sole or primary purpose for Your Trip.

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:

ff. becoming unable to participate in Diving, skiing, a sporting competition, a performance, an activity or volunteer or mission program due to Sickness or Injury that occurs on the Trip, requires the in person Medical Treatment of a Physician, and in the written opinion of that Physician, prevents continued participation in such activities.

Please note the following sports related exclusions under the policy:

Benefits are not payable for any loss due to, arising or resulting from:

5. riding or driving in races, or speed or endurance competitions or events;

6. participating as a member of a team in an Organized Sports competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in Adventure Sports, Bodily Contact Sports, Extreme Sports, Organized Sports, any race or speed contests;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

Included in Cancellation and Interruption coverage. This policy includes the following sports related benefits:

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:

oo. being unable to participate in Diving, skiing, a competition, a performance, an activity or volunteer or mission program during the scheduled travel dates due to Sickness or Injury that occurred after this coverage is in effect, required the in-person Medical Treatment by a Physician, and in the written opinion of Physician, would prevent participation in such activities. The Diving, skiing, competition, performance, activity or program must be the sole or primary purpose for Your Trip.

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:

ii. becoming unable to participate in Diving, skiing, a sporting competition, a performance, an activity or volunteer or mission program due to Sickness or Injury that occurs on the Trip, requires the in-person Medical Treatment of a Physician, and in the written opinion of that Physician, prevents continued participation in such activities.

Please note the following sports related exclusions under the policy:

Benefits are not payable for any loss due to, arising or resulting from:

5. riding or driving in races, or speed or endurance competitions or events;

6. participating as a member of a team in an Organized Sports competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in Adventure Sports, Bodily Contact Sports, Extreme Sports, Organized Sports, any race or speed contests;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

General Exclusions and Limitations

Benefits are not payable for any loss due to, arising or resulting from:

5. riding or driving in races, or speed or endurance competitions or events;
6. participating as a member of a team in an Organized Sports competition or participating as a professional in a stunt, athletic or sporting event or competition;
7. participating in Adventure Sports, Bodily Contact Sports, Extreme Sports, Organized Sports, any race or speed contests;
8. piloting or learning to pilot or acting as a member of the crew of any aircraft

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

Benefits are not payable for any loss due to, arising or resulting from:

5. riding or driving in races, or speed or endurance competitions or events;

6. participating as a member of a team in an Organized Sports competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in Adventure Sports, Bodily Contact Sports, Extreme Sports, Organized Sports, any race or speed contests;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;

23. operation of any motor vehicle outside of the proper license required, laws or regulations in the area in which the motor vehicle is being operated.

Included in Cancellation and Interruption coverage. Please note the following sports related exclusions under the policy:

General Exclusions and Limitations

Benefits are not payable for any loss due to, arising or resulting from:

5. riding or driving in races, or speed or endurance competitions or events;

6. participating as a member of a team in an Organized Sports competition or participating as a professional in a stunt, athletic or sporting event or competition;

7. participating in Adventure Sports, Bodily Contact Sports, Extreme Sports, Organized Sports, any race or speed contests;

8. piloting or learning to pilot or acting as a member of the crew of any aircraft;