Trip Interruption

2. POST-DEPARTURE TRIP INTERRUPTION BENEFIT (Optional Coverage)

Subject to SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE, the Insured’s coverage under the Post-Departure Trip Interruption Benefit will take effect on the Scheduled Date of Departure.

We will reimburse a Post-Departure Trip Interruption Benefit, for the following covered expenses in this PostDeparture Trip Interruption Benefit section, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule, if:

a. the lnsured’s arrival on his/her Covered Trip is delayed beyond the Scheduled Date of Departure due to the Insured’s, or the Insured’s Family Member’s or Traveling Companion’s Sickness, or Covered Injury, or death; or

b. the lnsured is unable to continue on his/her Covered Trip after he/she has departed on his/her Covered Trip due to Sickness, Covered Injury, or death of the lnsured, or the Insured’s Family Member or Traveling Companion.

We will reimburse the Insured this Post-Departure Trip Interruption Benefit, only if the Sickness, Covered Injury, or death, or Other Covered Event commences while the Insured is on his/her Covered Trip and commences while the Insured’s coverage is in effect under this Policy. Any Sickness or Covered Injury must: (i) require the examination or treatment by a Physician at the time of an interruption or delay of a Covered Trip; and (ii) in the written opinion of the treating Physician, be so disabling as to delay the lnsured’s arrival on his/her Covered Trip or to prevent the lnsured from continuing his/her Covered Trip; or in the case of the Insured’s non-traveling Family Member, be life threatening, or so severe as to require the Insured’s care.

We will reimburse the lnsured for a Post-Departure Trip Interruption Benefit, for the following covered expenses, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule, due to the Insured’s, or the Insured’s Family Member’s or Traveling Companion’s Sickness, Covered Injury , or death; less any refund paid or payable, for unused land or water travel arrangements (if the Insured delays his/her Covered Trip, interrupts his/her Covered Trip, or interrupts and returns during the original travel dates for the Insured’s Covered Trip) or the unused portion of the amount of Payments and Deposits that the Insured paid for his/her Accommodations, plus one of the following:

(1) the additional transportation expenses by the most direct route from the point where the lnsured interrupted his/her Covered Trip to: (i) the next scheduled Destination where the Insured can catch up to his/her Covered Trip; or (ii) to the final Destination of his/her Covered Trip; or

(2) the additional transportation expenses incurred by the Insured by the most direct route to reach the next scheduled Destination where the Insured can catch up to his/her Covered Trip if the Insured is delayed and leaves after the Scheduled Date of Departure.

The benefit payable under (1) or (2) above will not exceed the cost of a one-way economy air fare (or the equivalent class of the Insured’s original tickets) by the most direct route less any refund paid or payable for the lnsured’s unused original tickets.

We will reimburse a Post-Departure Trip Interruption Benefit, due to one of the Other Covered Events, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule, if: (i) the lnsured’s arrival on his/her Covered Trip is delayed beyond the Scheduled Date of Departure; or (ii) the lnsured is unable to continue on his/her Covered Trip after the he/she has departed on his/her Covered Trip.

Other Covered Event means an unforeseeable event or its consequences that:

(i) is outside of the Insured’s control and outside of the control of the Insured’s Family Member traveling with the Insured, or Traveling Companion;

(ii) prevents the Insured or the Insured’s Family Member traveling with the Insured, or Traveling Companion from traveling on or continuing his/her Covered Trip; and

(iii) occurs while coverage is in effect under this Policy,

and includes only the following unforeseeable events or their consequences that occur to the Insured , or the Insured’s Family Member traveling with the Insured or Traveling Companion:

a. Common Carrier delay or cancellation resulting from severe weather conditions; mechanical breakdown of the aircraft, ship, boat, or motor coach on which the Insured is scheduled to travel; organized labor Strikes that affect public transportation; or a Federal Aviation Administration (FAA) mandate subject to the following conditions:

(1) the scheduled carrier connecting times must meet airline legal minimum connect times;

(2) the scheduled time between arrival at the Scheduled Trip Departure City and the scheduled tour/Cruise departure must be two hours or longer; and

(3) the Common Carrier delay or cancellation must prevent the Insured from reaching his/her Destination for at least 6 consecutive hours;

b. arrangements canceled by an airline, cruise line, or tour operator resulting from severe weather conditions; mechanical breakdown of the aircraft, ship, boat, or motor coach; organized labor Strikes that affect public transportation; or a Federal Aviation Administration (FAA) mandate subject to the following conditions:

(1) the scheduled carrier connecting times must meet airline legal minimum connect times;

(2) the scheduled time between arrival at the Scheduled Trip Departure City and the scheduled tour/Cruise departure must be two hours or longer; and

(3) the Common Carrier delay or cancellation must prevent the Insured from reaching his/her Destination for at least 6 consecutive hours;

c. arrangements canceled by an airline, cruise line, rental car company, hotel, condominium, or motor coach company resulting from Financial Insolvency provided that:

(1) the Insured’s premium for this coverage was received prior to or within 24 hours prior to or with Final Payment for his/her Covered Trip;

d. being directly involved in a documented traffic accident while en route to the Insured’s departure;

e. being hijacked, kidnapped or Quarantined;

f. being required to serve on a jury or required by a court order to appear as a witness in a legal action, provided the Insured, or the Insured’s Family Member traveling with the Insured or Traveling Companion is not: (i) a plaintiff or defendant in the legal action, or (ii) appearing as a law enforcement officer or attorney;

g. the Insured’s Home is made Uninhabitable or Inaccessible due to fire, flood, volcano, earthquake, hurricane or natural disaster;

h. documented theft of passports or visas;

i. a Terrorist Act (or acts) in the Scheduled Trip Departure City or within 30 miles of the Scheduled Trip Departure City of his/her Covered Trip occurring on, or within 30 days prior to the Scheduled Date of Departure, or a Terrorist Act (or acts) occurring within 30 days prior to the Insured’s arrival, or during his/her stay in a city or within 30 miles of a city, that is a scheduled Destination during the Insured’s Covered Trip;

j. Insured’s Accommodation at Destination made Uninhabitable or Inaccessible due to fire, flood, volcano, earthquake, hurricane or natural disaster so as to prevent the Insured from reaching his/her Destination or continuing on his/her Covered Trip. To cancel or delay the arrival on the Insured’s Covered Trip:

(1) the Insured’s Accommodation must be Uninhabitable or Inaccessible on the Scheduled Date of Departure;

(2) the Insured’s Accommodation must be Uninhabitable or Inaccessible for a minimum of 24 hours; and

(3) the time and date that the Accommodation first becomes Uninhabitable or Inaccessible must commence no more than 10 days prior to his/her Scheduled Date of Departure.

To interrupt the Insured’s Covered Trip:

(1) the Accommodation must be Uninhabitable or Inaccessible for a minimum of 24 hours; and

(2) the Insured must have seven days or 75% or less remaining on his/her Covered Trip at the time and date the Accommodation first becomes Uninhabitable or Inaccessible;

k. receipt of official notification by the Insured, or the Insured’s Family Member or Traveling Companion of an organ match available for immediate transplant, provided the transplant is considered medically necessary. The notification must be received while coverage is in effect under this Policy, and in the written opinion of the Physician, the transplant surgery or recovery is so disabling as to prevent the Insured from taking his/her Covered Trip;

l. a Family Member who was to provide Accommodations for the Insured during a Covered Trip can no longer do so due to the hosting Family Member’s life-threatening Sickness, Covered Injury, or death;

m. the Insured’s, or the Insured’s Traveling Companion’s or traveling Family Member’s approved, written military leave is involuntarily revoked as a result of being temporarily or permanently reassigned, being called to active military reserve, or an extension of deployment beyond a defined tour of duty. All leave must be approved prior to the date stipulated in SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE. Full or partial mobilization or mass reassignment of Armed Forces, invocation of the War Powers Act, base or unit mobilization is not covered;

n. the Insured or Traveling Companion is called to active military service as a reservist, firefighter, or police staff to provide aid or relief in the event of a natural disaster;

o. the primary or secondary school where the Insured, or the Insured’s Family Member or Traveling Companion attend(s) must extend its operating session beyond its predefined school year or start earlier than its predefined school year, due to unforeseeable events commencing prior to the effective date of the applicable coverage under this Policy, that cause the extension of the predefined school year and the Scheduled Date of Departure falls within the period of the school year extension. Extensions due to extracurricular or athletic events are not covered;

p. mandatory evacuation issued by local government authorities (or public official evacuation advisements issued in place of mandatory evacuations only when mandatory evacuations do not exist in that jurisdiction), at the Insured’s final Destination due to severe weather conditions, hurricane or natural disaster provided the cancellation of the Insured’s Covered Trip occurs more than 14 days following the Insured’s effective date of coverage for the Pre-Departure Trip Cancellation Benefit. The Insured must have seven days or 75% of his/her total Covered Trip length or less remaining at the time the mandatory evacuation or public official evacuation advisement ends, in order to cancel or interrupt his/her Covered Trip. Coverage expires 21 days after the issue date of a mandatory evacuation or a public official evacuation advisement;

q. receipt of court-issued notice to attend legal proceedings relative to an adoption, provided the person being adopted is not the Insured, the Insured’s Family Member or the Insured’s Travel Companion and the adoption proceeding is not a condition of the Insured’s employment. The date of the scheduled adoption proceeding must be no more than seven days prior to the Scheduled Date of Departure;

r. the Insured’s or one of the Insured’s parents’/parent’s involuntary termination of employment or layoff that occurs more than 14 days after the effective date of the applicable coverage under this Policy. The Insured or one of the Insured’s parent(s) must have been continuously employed with the same employer for two years prior to the termination or layoff. This provision is not applicable to temporary employment, independent contractors, or self-employed persons;

2. POST-DEPARTURE TRIP INTERRUPTION BENEFIT

Subject to SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE, the Insured’s coverage under the Post-Departure Trip Interruption Benefit will take effect on the Scheduled Date of Departure.

We will reimburse a Post-Departure Trip Interruption Benefit, for the following covered expenses in this PostDeparture Trip Interruption Benefit section, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule, if:

a. the lnsured’s arrival on his/her Covered Trip is delayed beyond the Scheduled Date of Departure due to the Insured’s, or the Insured’s Family Member’s or Traveling Companion’s Sickness, or Covered Injury, or death; or

b. the lnsured is unable to continue on his/her Covered Trip after he/she has departed on his/her Covered Trip due to Sickness, Covered Injury, or death of the lnsured, or the Insured’s Family Member or Traveling Companion.

Other Covered Event means an unforeseeable event or its consequences that:

(i) is outside of the Insured’s control and outside of the control of the Insured’s Family Member traveling with the Insured, or Traveling Companion;

(ii) prevents the Insured or the Insured’s Family Member traveling with the Insured, or Traveling Companion from traveling on or continuing his/her Covered Trip; and

(iii) occurs while coverage is in effect under this Policy, and includes only the following unforeseeable events or their consequences that occur to the Insured , or the Insured’s Family Member traveling with the Insured or Traveling Companion:

a. Common Carrier delay or cancellation resulting from severe weather conditions; mechanical breakdown of the aircraft, ship, boat, or motor coach on which the Insured is scheduled to travel; organized labor Strikes that affect public transportation; or a Federal Aviation Administration (FAA) mandate subject to the following conditions:

(1) the scheduled carrier connecting times must meet airline legal minimum connect times;

(2) the scheduled time between arrival at the Scheduled Trip Departure City and the scheduled tour/Cruise departure must be two hours or longer; and

(3) the Common Carrier delay or cancellation must prevent the Insured from reaching his/her Destination for at least 6 consecutive hours;

b. arrangements canceled by an airline, cruise line, or tour operator resulting from severe weather conditions; mechanical breakdown of the aircraft, ship, boat, or motor coach; organized labor Strikes that affect public transportation; or a Federal Aviation Administration (FAA) mandate subject to the following conditions:

(1) the scheduled carrier connecting times must meet airline legal minimum connect times;

(2) the scheduled time between arrival at the Scheduled Trip Departure City and the scheduled tour/Cruise departure must be two hours or longer; and

(3) the Common Carrier delay or cancellation must prevent the Insured from reaching his/her Destination for at least 6 consecutive hours;

c. arrangements canceled by an airline, cruise line, rental car company, hotel, condominium, or motor coach company resulting from Financial Insolvency provided that:

(1) the Insured’s premium for this coverage was received prior to the Insured’s Final Payment for his/her Covered Trip; and

(2) the Financial Insolvency occurs more than 14 days following the Insured’s effective date for PreDeparture Trip Cancellation Benefit.

d. being directly involved in a documented traffic accident while en route to the Insured’s departure;

e. being hijacked, kidnapped or Quarantined;

f. being required to serve on a jury or required by a court order to appear as a witness in a legal action, provided the Insured, or the Insured’s Family Member traveling with the Insured or Traveling Companion is not: (i) a plaintiff or defendant in the legal action, or (ii) appearing as a law enforcement officer or attorney;

g. the Insured’s Home is made Uninhabitable or Inaccessible due to fire, flood, volcano, earthquake, hurricane or natural disaster;

h. documented theft of passports or visas;

i. a Terrorist Act (or acts) in the Scheduled Trip Departure City or within 30 miles of the Scheduled Trip Departure City of his/her Covered Trip occurring on, or within 30 days prior to the Scheduled Date of Departure, or a Terrorist Act (or acts) occurring within 30 days prior to the Insured’s arrival, or during his/her stay in a city or within 30 miles of a city, that is a scheduled Destination during the Insured’s Covered Trip;

j. Insured’s Accommodation at Destination made Uninhabitable or Inaccessible due to fire, flood, volcano, earthquake, hurricane or natural disaster so as to prevent the Insured from reaching his/her Destination or continuing on his/her Covered Trip. To cancel or delay the arrival on the Insured’s Covered Trip:

(1) the Insured’s Accommodation must be Uninhabitable or Inaccessible on the Scheduled Date of Departure;

(2) the Insured’s Accommodation must be Uninhabitable or Inaccessible for a minimum of 24 hours; and

(3) the time and date that the Accommodation first becomes Uninhabitable or Inaccessible must commence no more than 10 days prior to his/her Scheduled Date of Departure.

To interrupt the Insured’s Covered Trip:

(1) the Accommodation must be Uninhabitable or Inaccessible for a minimum of 24 hours; and

(2) the Insured must have seven days or 75% or less remaining on his/her Covered Trip at the time and date the Accommodation first becomes Uninhabitable or Inaccessible;

k. receipt of official notification by the Insured, or the Insured’s Family Member or Traveling Companion of an organ match available for immediate transplant, provided the transplant is considered medically necessary. The notification must be received while coverage is in effect under this Policy, and in the written opinion of the Physician, the transplant surgery or recovery is so disabling as to prevent the Insured from taking his/her Covered Trip;

l. a Family Member who was to provide Accommodations for the Insured during a Covered Trip can no longer do so due to the hosting Family Member’s life-threatening Sickness, Covered Injury, or death;

m. the Insured’s, or the Insured’s Traveling Companion’s or traveling Family Member’s approved, written military leave is involuntarily revoked as a result of being temporarily or permanently reassigned, being called to active military reserve, or an extension of deployment beyond a defined tour of duty. All leave must be approved prior to the date stipulated in SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE. Full or partial mobilization or mass reassignment of Armed Forces, invocation of the War Powers Act, base or unit mobilization is not covered;

n. the Insured or Traveling Companion is called to active military service as a reservist, firefighter, or police staff to provide aid or relief in the event of a natural disaster;

o. the primary or secondary school where the Insured, or the Insured’s Family Member or Traveling Companion attend(s) must extend its operating session beyond its predefined school year or start earlier than its predefined school year, due to unforeseeable events commencing prior to the effective date of the applicable coverage under this Policy, that cause the extension of the predefined school year and the Scheduled Date of Departure falls within the period of the school year extension. Extensions due to extracurricular or athletic events are not covered;

p. mandatory evacuation issued by local government authorities (or public official evacuation advisements issued in place of mandatory evacuations only when mandatory evacuations do not exist in that jurisdiction), at the Insured’s final Destination due to severe weather conditions, hurricane or natural disaster provided the cancellation of the Insured’s Covered Trip occurs more than 14 days following the Insured’s effective date of coverage for the Pre-Departure Trip Cancellation Benefit. The Insured must have seven days or 75% of his/her total Covered Trip length or less remaining at the time the mandatory evacuation or public official evacuation advisement ends, in order to cancel or interrupt his/her Covered Trip. Coverage expires 21 days after the issue date of a mandatory evacuation or a public official evacuation advisement;

q. receipt of court-issued notice to attend legal proceedings relative to an adoption, provided the person being adopted is not the Insured, the Insured’s Family Member or the Insured’s Travel Companion and the adoption proceeding is not a condition of the Insured’s employment. The date of the scheduled adoption proceeding must be no more than seven days prior to the Scheduled Date of Departure;

r. the Insured’s or one of the Insured’s parents’/parent’s involuntary termination of employment or layoff that occurs more than 14 days after the effective date of the applicable coverage under this Policy. The Insured or one of the Insured’s parent(s) must have been continuously employed with the same employer for two years prior to the termination or layoff. This provision is not applicable to temporary employment, independent contractors, or self-employed persons;

We will reimburse the Insured this Post-Departure Trip Interruption Benefit, only if the Sickness, Covered Injury, or death, or Other Covered Event commences while the Insured is on his/her Covered Trip and commences while the Insured’s coverage is in effect under this Policy. Any Sickness or Covered Injury must: (i) require the examination or treatment by a Physician at the time of an interruption or delay of a Covered Trip; and (ii) in the written opinion of the treating Physician, be so disabling as to delay the lnsured’s arrival on his/her Covered Trip or to prevent the lnsured from continuing his/her Covered Trip; or in the case of the Insured’s non-traveling Family Member, be life threatening, or so severe as to require the Insured’s care.

We will reimburse the lnsured for a Post-Departure Trip Interruption Benefit, for the following covered expenses, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule, due to the Insured’s, or the Insured’s Family Member’s or Traveling Companion’s Sickness, Covered Injury , or death; less any refund paid or payable, for unused land or water travel arrangements (if the Insured delays his/her Covered Trip, interrupts his/her Covered Trip, or interrupts and returns during the original travel dates for the Insured’s Covered Trip) or the unused portion of the amount of Payments and Deposits that the Insured paid for his/her Accommodations, plus one of the following:

(1) the additional transportation expenses by the most direct route from the point where the lnsured interrupted his/her Covered Trip to: (i) the next scheduled Destination where the Insured can catch up to his/her Covered Trip; or (ii) to the final Destination of his/her Covered Trip; or

(2) the additional transportation expenses incurred by the Insured by the most direct route to reach the next scheduled Destination where the Insured can catch up to his/her Covered Trip if the Insured is delayed and leaves after the Scheduled Date of Departure.

The benefit payable under (1) or (2) above will not exceed the cost of a one-way economy air fare (or the equivalent class of the Insured’s original tickets) by the most direct route less any refund paid or payable for the lnsured’s unused original tickets.

We will reimburse a Post-Departure Trip Interruption Benefit, due to one of the Other Covered Events, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule, if: (i) the lnsured’s arrival on his/her Covered Trip is delayed beyond the Scheduled Date of Departure; or (ii) the lnsured is unable to continue on his/her Covered Trip after the he/she has departed on his/her Covered Trip.

Additional Post-Departure Trip Interruption Benefits:

The following benefit is not in addition to, and included within, the Post-Departure Trip Interruption Benefit Maximum Covered Amount per Insured shown in the Schedule.

Per Person Occupancy Benefit

We will reimburse the lnsured a Per Person Occupancy Benefit, for the additional cost incurred as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Covered Trip is interrupted and the Insured’s Covered Trip is continued, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule.

TRIP INTERRUPTION

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

We will pay You:

a) for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s);

b) additional transportation expenses incurred by You; or

c) return air travel up to the lesser of the cost of an economy flight or the amount shown on the Schedule of Benefits.

In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

The Following are the Unforeseen Events for Trip Cancellation and Trip Interruption:

a) Your Accidental Injury, Covered Sickness or death or the Accidental Injury, Covered Sickness or death of Your Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; that results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) An Accidental Injury incurred by You that causes You to be medically unable to continue Your trip’s activity(ies). An actual examination by a Physician must take place and the Physician must advise You to discontinue the trip’s activity(ies).

c) Inclement weather, Natural Disasters, Terrorist Attacks or mechanical breakdown of the Common Carrier that results in the complete cessation of travel services at the point of departure or destination for at least 48 consecutive hours.

d) Mandatory evacuation ordered by local authorities at Your destination due to a Natural Disaster. You must have 50% or less of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.

e) Natural Disaster or documented man-made disaster at the point of departure or Your destination that renders Your primary residence or the accommodations at Your destination uninhabitable.

f) Adverse weather or Natural Disaster resulting in the obstruction of public roadways or curtailment of public transportation, that prevents Your ability to arrive at Your Land/Sea Arrangements.

g) A road closure causing a delay in reaching Your destination for at least 12 hours.

h) Strike that causes complete cessation of travel services of Your Common Carrier for at least 48 consecutive hours.

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

j) The airport terminal from which You are scheduled to fly, is closed due to a documented security breach within 12 hours of arrival at the terminal or while You are physically at the terminal.

k) A politically motivated Terrorist Attack that occurs within 30 days of Your departure and within 50 miles of a City listed on Your itinerary. The Terrorist Attack must occur on or after the Effective Date of Your Trip Cancellation Coverage.

l) A documented theft of passports or visas. Documented means that You have reported the theft to the local authorities.

m) You or Your Traveling Companion being directly involved in or delayed due to a traffic Accident substantiated by a police report, while en route to departure.

n) You and/or Your Traveling Companion are hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer; the victim of felonious assault; having Your principal place of residence made inaccessible and uninhabitable by a Natural Disaster; or burglary or vandalism of Your principal place of residence within 10 days of departure.

TRIP INTERRUPTION AND DELAYED ARRIVAL

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, prepaid NonRefundable Payments or Deposits for Your land or water Travel Arrangements, plus the Additional Transportation Cost paid to:

a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel; or

b) rejoin Your Trip from the point where You interrupted Your Trip or transport You to Your originally scheduled return destination;

for a covered Unforeseen reason.

Trip Interruption must be due to one of the following Unforeseen reasons:

1. Your, a Family Member’s, or a Traveling Companion’s, or a Traveling Companion’s Family Member’s or a Business Partner’s death, which occurs while You are on Your Trip; or

2. Your, a Family Member’s, or a Traveling Companion’s or a Traveling Companion’s Family Member’s or a Business Partner’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption; and c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on the Trip; or

3. for Other Covered Events as defined; provided any such covered Unforeseen reason occurs while coverage is in effect for You.

Delayed Arrival must be due to one of the following Unforeseen reasons which occurs within 7 days of Your Scheduled Departure Date:

1. Your, a Family Member’s, a Traveling Companion’s or a Business Partner’s death; or

2. Your, a Family Member’s, or a Traveling Companion’s or a Business Partner’s covered Sickness or Injury which: a) requires Medical Treatment at the time of occurrence; and b) as certified by a Physician, results in medical restrictions so disabling as to prevent You from departing on Your Trip on Your Scheduled Departure Date; or

3. for Other Covered Events as defined;

provided any such covered Unforeseen reason occurs while coverage is in effect for You.

“Other Covered Events” means:

a. You or Your Traveling Companion being hijacked, physically Quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers). Coverage for this Other Covered Event only applies if Your payment for this policy is received within the Time Sensitive Period;

b. You or Your Traveling Companion is the victim of a felonious assault within 10 days of the Scheduled Departure Date of Your Trip;

c. Your or Your Traveling Companion’s primary place of residence or destination is made Uninhabitable and remains Uninhabitable during Your scheduled Trip, by fire, flood, or other Natural Disaster, vandalism, or burglary of Your primary place of residence within 10 days of departure. We will only pay benefits for losses occurring within 15 calendar days after the eventrenders Your primary residence or destination Uninhabitable

d. You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;

e. Strike that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel. We will only pay benefits for losses occurring within 15 calendar days from the official commencement of the Strike. We will not pay benefits if the policy is purchased after the Strikeis threatened, announced or has already commenced (whichever occurs earlier). If alternate transportation is available,benefits will be limited to the change fee charged to allow You to transfer to such proposed alternate transportation e.g.another Common Carrier in order to get to Your intended destination. We will not pay benefits resulting from Strikes of the Travel Supplier or any person, organization, agency, or tour operator or their affiliated companies, that solicited this coverage, or from whom You insured Your Travel Arrangements. Coverage for this Other Covered Event only applies if Your payment for this policy is received within the Time Sensitive Period

f. Inclement Weather that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

g. mechanical breakdown of the aircraft on which You are scheduled to travel that causes a cancellation or delay of Your or Your Traveling Companion’s flight for at least 24 consecutive hours provided no alternative flights are available;

h. You or Your Traveling Companion who are military, police or fire personnel being called into emergency service within 15 days of Your Scheduled Departure Date to provide aid or relief for a Natural Disaster or a Terrorist Incident or an Epidemic. Coverage for this Other Covered Event only applies if Your payment for this policy is received within the Time Sensitive Period;

i. Your or Your Traveling Companion’s involuntary Employment Termination or layoff which occurs 30 days or more after Your Effective Date. Employment must have been with the same employer for at least 1 continuous year;

j. revocation of Your or Your Traveling Companion’s previously granted military leave or re-assignment, including war. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;

k. Bankruptcy or Default of an airline, or cruise line, or tour operator, other than an organization or firm from whom You purchased Travel Arrangements supplied by others causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination.

Coverage for this Other Covered Event only applies if Your payment for this policy is received within the Time Sensitive Period;

l. the death or hospitalization of Your Host at Destination;

m. mandatory evacuation ordered by local government authorities at Your Trip destination due to a Natural Disaster or a hurricane named after the Effective Date of Your coverage. You must have 50% or less, but not more than 7 nights of Your Trip length remaining at the time the mandatory evacuation ends;

n. Your or Your Traveling Companion’s pregnancy, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records;

o. You or Your Traveling Companion are attending the childbirth of Your Family Member, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records;

p. a government-mandated shutdown of an airport or air traffic control system due to a Natural Disaster. Coverage for this Other Covered Event only applies if Your payment for this policy is received within the Time Sensitive Period.

In no event shall the amount reimbursed for Trip Cancellation and Trip Interruption exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

OCCUPANCY UPGRADE

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits for Trip Cancellation, for the additional cost You incur as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is canceled for a covered Unforeseen reason and You do not cancel Your Trip.

Additional Trip Interruption Benefits:

If You have insured $0 Trip cost, and You interrupt Your Trip for a covered Unforeseen reason, or due to a Level 4 travel warning, advising You to return home, We will reimburse You for the additional cost incurred for one-way airfare (using the same class of fare as the original travel ticket) to return You to Your originally scheduled return destination up to the Maximum Benefit Amount shown in the Schedule of Benefits.

If You have Trip Cost and You interrupt Your Trip due to a Level 4 travel warning, advising You to return home, We will reimburse You up to $500 for the additional cost incurred for one-way airfare (using the same class of fare as the original travel ticket) to return You to Your originally scheduled return destination.

TRIP INTERRUPTION AND DELAYED ARRIVAL

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, prepaid NonRefundable Payments or Deposits for Your land or water Travel Arrangements, plus the Additional Transportation Cost paid
to:

a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel; or

b) rejoin Your Trip from the point where You interrupted Your Trip or transport You to Your originally scheduled return destination;

for a covered Unforeseen reason.

Trip Interruption must be due to one of the following Unforeseen reasons:

1. Your, a Family Member’s, or a Traveling Companion’s, or a Traveling Companion’s Family Member’s or a Business Partner’s death, which occurs while You are on Your Trip; or

2. Your, a Family Member’s, or a Traveling Companion’s or a Traveling Companion’s Family Member’s or a Business Partner’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption; and c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on the Trip; or

3. for Other Covered Events as defined;

provided any such covered Unforeseen reason occurs while coverage is in effect for You.

Delayed Arrival must be due to one of the following Unforeseen reasons which occurs within 7 days of Your Scheduled Departure Date:

1. Your, a Family Member’s, a Traveling Companion’s or a Business Partner’s death; or

2. Your, a Family Member’s, or a Traveling Companion’s or a Business Partner’s covered Sickness or Injury which: a) requires Medical Treatment at the time of occurrence; and b) as certified by a Physician, results in medical restrictions so disabling as to prevent You from departing on Your Trip on Your Scheduled Departure Date; or

3. for Other Covered Events as defined;

provided any such covered Unforeseen reason occurs while coverage is in effect for You.

“Other Covered Events” means:

a. You or Your Traveling Companion being hijacked, physically Quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers). Coverage for this Other Covered Event only applies if Your payment for this policy is received within the Time Sensitive Period;

b. You or Your Traveling Companion is the victim of a felonious assault within 10 days of the Scheduled Departure Date of Your Trip;

c. Your or Your Traveling Companion’s primary place of residence or destination is made Uninhabitable and remains Uninhabitable during Your scheduled Trip, by fire, flood, or other Natural Disaster, vandalism, or burglary of Your primary place of residence within 10 days of departure; We will only pay benefits for losses occurring within 15 calendar days after the event renders Your primary residence or destination Uninhabitable;

d. You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;

e. Strike that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel; We will only pay benefits for losses occurring within 15 calendar days from the official commencement of the Strike. We will not pay benefits if the policy is purchased after the Strike is threatened, announced or has already commenced (whichever occurs earlier). If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to such proposed alternate transportation e.g. another Common Carrier in order to get to Your intended destination. We will not pay benefits resulting from Strikes of the Travel Supplier or any person, organization, agency, or tour operator or their affiliated companies, that solicited this coverage, or from whom You insured Your Travel Arrangements. Coverage for this Other Covered Event only applies if Your payment for this policy is received within the Time Sensitive Period;

f. Inclement Weather that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

g. mechanical breakdown of the aircraft on which You are scheduled to travel that causes a cancellation or delay of Your or Your Traveling Companion’s flight for at least 24 consecutive hours provided no alternative flights are available;

h. You or Your Traveling Companion who are military, police or fire personnel being called into emergency service within 15 days of Your Scheduled Departure Date to provide aid or relief for a Natural Disaster or a Terrorist Incident or an Epidemic. Coverage for this Other Covered Event only applies if Your payment for this policy is received within the Time Sensitive Period;

i. Your or Your Traveling Companion’s involuntary Employment Termination or layoff which occurs 30 days or more after Your Effective Date. Employment must have been with the same employer for at least 1 continuous year;

j. a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your or Your Traveling Companion’s Trip;

k. revocation of Your or Your Traveling Companion’s previously granted military leave or re-assignment, including war. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service
will be required;

l. Bankruptcy or Default of an airline, or cruise line, or tour operator, other than an organization or firm from whom You purchased Travel Arrangements supplied by others causing a complete cessation of travel services provided the Bankruptcy or Default occurs more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination.

Coverage for this Other Covered Event only applies if Your payment for this policy is received within the Time Sensitive Period;

m. the death or hospitalization of Your Host at Destination;

n. mandatory evacuation ordered by local government authorities at Your Trip destination due to a Natural Disaster or a hurricane named after the Effective Date of Your coverage. You must have 50% or less, but not more than 7 nights of
Your Trip length remaining at the time the mandatory evacuation ends;

o. a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Trip Delay Benefit;

p. the primary or secondary school that Your or Your Traveling Companion’s Dependent child(ren) attends continues classes beyond the Predefined School Year, due to Unforeseen circumstances that: occur after Your Effective Date for Trip Cancellation; and cause the classes to extend beyond the Scheduled Departure Date of Your Trip. Extensions due to extracurricular or athletic events are not covered. Coverage for this Other Covered Event only applies if Your payment for this policy is received within the Time Sensitive Period;

q. Your or Your Traveling Companion’s pregnancy, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records;

r. You or Your Traveling Companion are attending the childbirth of Your Family Member, provided the pregnancy occurs after Your Effective Date for Trip Cancellation, as verified by medical records;

s. a government-mandated shutdown of an airport or air traffic control system due to a Natural Disaster. Coverage for this Other Covered Event only applies if Your payment for this policy is received within the Time Sensitive Period.

In no event shall the amount reimbursed for Trip Cancellation exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

In no event shall the amount reimbursed for Trip Interruption exceed 150% of the amount You prepaid for Your Trip.

Additional Trip Interruption Benefits:

If You have insured $0 Trip cost, and You interrupt Your Trip for a covered Unforeseen reason, or due to a Level 4 travel warning, advising You to return home, We will reimburse You for the additional cost incurred for one-way airfare (using the same class of fare as the original travel ticket) to return You to Your originally scheduled return destination up to the Maximum Benefit Amount shown in the Schedule of Benefits.

If You have Trip Cost and You interrupt Your Trip due to a Level 4 travel warning, advising You to return home, We will reimburse You up to $750 for the additional cost incurred for one-way airfare (using the same class of fare as the original travel ticket) to return You to Your originally scheduled return destination.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits , subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination during Your trip.

5. After one (1) year of continuous employment at the same company, You are terminated or laid-off during Your Trip, from full time employment by that company through no fault of Your own.

6. Your transfer of employment of two hundred fifty (250) miles or more that occurs during Your Trip. You must have been employed with the transferring employer on Your Effective Date. The transfer must require Your Home to be relocated.

7. You or Your Traveling Companion have a previously approved military leave revoked or experience a milit ary reassignment.

8. You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).

9. Weather that causes complete cessation of services for at least forty-eight (48) consecutive hours of the Common Carrier on which You are scheduled to travel and prevents You from reaching Your destination.

This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this coverage.

10. Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable.

11. A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary during Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.

12. You or Your Traveling Companion are a victim of a felonious assault.

13. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

14. You or Your Traveling Companion being directly involved in a traffic Accident while en route to departure (substantiated by a police report provided by You to the Company).

15. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date.

16. Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least forty-eight (48) consecutive hours.

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits , subject to any applicable sub-limits, for the following:

a) pre-paid unused, non-refundable land or sea expenses to the Travel Suppliers;

b) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets.

In no event will the Company reimburse You for the cash value of Your airline ticket(s) purchased with frequent flier miles.

The Company will pay for Reasonable Expenses incurred by You if Your Traveling Companion must remain Hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You or Your Traveling Companion cannot fly home due to an Accident or a Sickness but do not require Hospitalization.

In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.

SPECIAL CONDITIONS: You must advise the Company or its authorized representative as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Company, its authorized representative and Your Travel Supplier as soon as reasonable possible.

SINGLE OCCUPANCY COVERAGE

The Company will reimburse You for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for pre-paid Travel Arrangements if a person booked to share accommodations with You has his/her Trip delayed, canceled, or interrupted for a covered reason and You do not cancel. This benefit is subject to the same Maximum Benefit indicated above.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits , subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination during Your trip.

5. After one (1) year of continuous employment at the same company, You are terminated or laid-off during Your Trip, from full time employment by that company through no fault of Your own.

6. Your transfer of employment of two hundred fifty (250) miles or more that occurs during Your Trip. You must have been employed with the transferring employer on Your Effective Date. The transfer must require Your Home to be relocated.

7. You or Your Traveling Companion have a previously approved military leave revoked or experience a military reassignment.

8. You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).

9. Weather that causes complete cessation of services for at least forty-eight (48) consecutive hours of the Common Carrier on which You are scheduled to travel and prevents You from reaching Your destination. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this coverage.

10. Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable.

11. A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary during Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.

12. You or Your Traveling Companion are a victim of a felonious assault.

13. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

14. You or Your Traveling Companion being directly involved in a traffic Ac cident while en route to departure (substantiated by a police report provided by You to the Company).

15. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date.

16. Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least forty-eight (48) consecutive hours.

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits , subject to any applicable sub-limits, for the following:

a) pre-paid unused, non-refundable land or sea expenses to the Travel Suppliers;
b) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets.

In no event will the Company reimburse You for the cash value of Your airline ticket(s) purchased with frequent flier miles.

The Company will pay for Reasonable Expenses incurred by You if Your Traveling Companion must remain Hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You or Your Traveling Companion cannot fly home due to an Accident or a Sickness but do not require Hospitalization.

In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.

SPECIAL CONDITIONS: You must advise the Company or its authorized representative as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Company, its authorized representative and Your Travel Supplier as soon as reasonable possible.

SINGLE OCCUPANCY COVERAGE

The Company will reimburse You for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for pre-paid Travel Arrangements if a person booked to share accommodations with You has his/her Trip delayed, canceled, or interrupted for a covered reason and You do not cancel. This benefit is subject to the same Maximum Benefit indicated above.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits , subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.)as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination during Your trip.

5. After one (1) year of continuous employment at the same company, You are terminated or laid-off during Your Trip, from full timeemployment by that company through no fault of Your own.

6. Your transfer of employment of two hundred fifty (250) miles or more that occurs during Your Trip. You must have been employed with the transferring employer on Your Effective Date. The transfer must require Your Home to be relocated.

7. Your or Your Traveling Companion’s company being made unsuitable for business by fire, flood, burglary, vandalism or other Natural Disaster and You or Your Traveling Companion is responsible for policy and decision making with the company and is directly involved as a member of the disaster recovery team.

8. You or Your Traveling Companion being required to work during the Trip. Proof of requirement to work, such as a notarized statement signed by an officer of Your or Your Traveling Companion’s employer must be presented. This benefit is not available to independent contractors, temporary employees or self-employed individuals, or if You or Your Traveling Companion are a company owner or partner.

9. Your or Your Traveling Companion’s company being directly involved in a merger, acquisition, government required product recall or Bankruptcy or Default proceedings. You or Your Traveling Companion must be an active employee of the company and must be directly involved in said event.

10. You or Your Traveling Companion have a previously approved military leave revoked or experience a military reassignment.

11. You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).

12. Weather that causes complete cessation of services for at least forty-eight (48) consecutive hours of the Common Carrier on which You are scheduled to travel and prevents You from reaching Your destination. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this coverage.

13. Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable.

14. A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary during Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.

15. You or Your Traveling Companion are a victim of a felonious assault.

16. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

17. You or Your Traveling Companion being directly involved in a traffic Accident while en route to departure (substantiated by a police report provided by You tothe Company).

18. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date.

19. Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least forty-eight (48) consecutive hours.

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits , subject to any applicable sub-limits, for the following:

a) pre-paid unused, non-refundable land or sea expenses to the Travel Suppliers;

b) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets.

In no event will the Company reimburse You for the cash value of Your airline ticket(s) purchased with frequent flier miles.

The Company will pay for Reasonable Expenses incurred by You if Your Traveling Companion must remain Hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You or Your Traveling Companion cannot fly home due to an Accident or a Sickness but do not require Hospitalization.

In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.

SPECIAL CONDITIONS: You must advise the Company or its authorized representative as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Company, its authorized representative and Your Travel Supplier as soon as reasonable possible.

SINGLE OCCUPANCY COVERAGE

The Company will reimburse You for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for pre-paid Travel Arrangements if a person booked to share accommodations with You has his/her Trip delayed, canceled, or interrupted for a covered reason and You do not cancel. This benefit is subject to the same Maximum Benefit indicated above.

TRIP INTERRUPTION

We will pay you up to the maximum amount shown in the schedule of benefits for loss(es) incurred by you or your traveling companion for a covered trip interrupted after the date and time of departure due to any of the following unforeseen events:

Health and Family

a. Any injury, death, or any unforeseen serious medical condition or sickness;

1. Occurring to you, your traveling companion, or an immediate family member traveling with you,that is so disabling as to cause a reasonable person to interrupt their covered trip which results in medically imposed restrictions as certified by a physician at the time of loss preventing your continued participation in the covered trip; or

2. Occurring to an immediate family member not traveling with you that is considered life-threatening, as certified by a physician or they require your immediate care. Such disability must be so disabling as to reasonably cause a covered trip to be interrupted and must be certified by a physician;

b You will be attending an immediate family member’s childbirth. The pregnancy must occur after the effective date and must be verified by medical records;

c You or your traveling companion have complications of pregnancy. The onset of these conditions must occur after your effective date and must be verified by medical records; or

d You are on a list as a donor or recipient for an organ transplant and, after the effective date, receive official notification that an organ match is available for immediate transplant. The transplant must be considered medically necessary, and a physician must confirm that the transplant and/or surgery isso disabling as to prevent travel

Transportation and Accommodation

a. You or your traveling companion are delayed due to a traffic accident while en route to your destination. The traffic accident must be substantiated by a police report;

b. Strike causing cancellation or delay during your covered trip of your pre-arranged travel services for at least twenty-four (24) consecutive hours; that causes complete cessation of services of your common carrier for at least forty-eight (48) consecutive hours;

c. Mechanical/Equipment failure of a common carrier which results in an interruption or delay of your covered trip for at least forty-eight (48) consecutive hours;

d. Your owned or rented vehicle is stolen during the covered trip. The theft must be reported to local authorities within forty-eight (48) hours; or

e. Complete or partial closure of the air traffic control tower or the airport from which you are scheduled to depart. Closure must be caused by fire or a power outage, and must result in a delay of your covered trip for at least forty-eight (48) consecutive hours. This does not apply to closures caused by a natural disaster or inclement weather.

Weather

a. A named hurricane making your primary residence uninhabitable or making the destination inaccessible or uninhabitable. Coverage for a hurricane applies only if insurance was purchased prior to the tropical storm first being upgraded to a hurricane. We will only pay the benefits for losses occurring within thirty (30) days after the named hurricane makes your destination uninhabitable or inaccessible; or

b. Weather at the departure site which causes complete cessation of services of your common carrier for at least forty-eight (48) consecutive hours and prevents you from reaching your destination.

Personal Safety and Security

a. You and/or your traveling companion being hijacked, quarantined in the location where you are intending to travel, required to serve on a jury, subpoenaed, or required to appear as a witness in a legal action, provided you or your traveling companion is not a party to the legal action or appearing as a law enforcement officer or the victim of felonious assault within ten (10) days of departure;

b. You or your traveling companion are the victim of a felonious assault during the covered trip;

c. Theft of passports, travel documents, or visas specifically required for your covered trip within fourteen (14) days of the return date. The theft must be substantiated by a police report;

d. The U.S. Department of State issues a travel warning for travel to a destination specifically listed on your itinerary. The travel warning must be issued after your effective date;

e. A politically motivated terrorist incident occurs within thirty (30) days of your scheduled departure date and within a fifty (50) mile radius of the territorial city limits of the foreign city to be visited as shown in your itinerary and if the United States government issues a travel advisory indicating that Americans should not travel to a city named on the itinerary; and

f. Interruption of a common carrier as a result of: riot, or civil disorder at the departure site for at least twenty-four (24) consecutive hours preventing you from reaching your destination.

Military

a. You, your traveling companion or immediate family member are called to active military duty as a reservist, firefighter, or police staff; to provide aid or relief in the event of a natural disaster, or military leave is revoked or reassigned within thirty (30) days of the scheduled departure date, except because of war, the War Powers Act, or disciplinary action.

The military leave for the dates of travel must have been approved prior to the effective date.

We will pay a benefit to reimburse you for any of the expenses listed below, up to the maximum limit shown in the schedule of benefits and subject to the deductible, for covered trips that are interrupted due to any of the unforeseen events listed above:

a. Prepaid, nonrefundable trip costs for unused travel arrangements, and

b. The average room rental rate at the destination resort, less any used portion, on a pro-rated basis; and

c. Additional transportation expenses incurred by you (not to exceed the same class as your original ticket or the cost of economy airfare, less any refunds paid or payable) for travel by the most direct route to:

1. The return destination; or

2. Your destination, or to a place where you can continue your covered trip.

SINGLE OCCUPANCY

We will reimburse you, up to the Trip Cancellation or Trip Interruption maximum amount shown in the schedule of benefits, for the additional cost incurred during the covered trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with you has his/her trip canceled, or interrupted due to any of the unforeseen events shown in the Trip Cancellation and Trip Interruption section and you do not cancel.

TRIP CANCELLATION AND INTERRUPTION

Benefit will be provided for loss(es) incurred by the Insured for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events:

Medical / Health

a) Any serious Injury, death, or Sickness;

(1) Occurring to You or a Traveling Companion, a Family Member traveling with You, that is so disabling as to cause a reasonable person to cancel or interrupt their Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip;

(2) Occurring to a Family Member not traveling with the You that is considered life‐threatening, as certified by a Physician or they require Your immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;

(3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician;

(4) Sickness, Injury, death or hospitalization occurring to Your Host at Your Destination. A Physician must certify the Sickness or Injury;

Transportation and Accommodation

a) Financial Default of an airline, Cruise line, Common Carrier or tour operator provided that:

(1) The insurance was purchased within 15 days of Initial Trip Payment; and

(2) Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits.
The Insurer will not cover Losses resulting from a Financial Default of any person, organization, agency, or firm that solicited Your travel arrangements to you.

b) mechanical/equipment failure of a Common Carrier that occurs on a scheduled Trip Departure Date and causes complete cessation of Your travel and results in a Loss of 50% of Your Trip length;

c) Strike resulting in complete interruption of travel services at the point of departure or Destination;

Environment

a)InclementWeather,if it causes delay or cancellation of travel.

b) You or a Traveling Companion’s Primary Residence being made Uninhabitable or inaccessible by Natural Disaster, vandalism, or burglary;

c) You or a Traveling Companion’s Destination being made Uninhabitable or Inaccessible by flood, tornado, earthquake, volcanic eruption, fire, wildfire, or blizzard that is due to natural causes;

d) a named hurricane causing cancellation or interruption of travel to Your Destination that is Inaccessible or Uninhabitable. Claims are not payable if a hurricane is foreseeable prior to Your effective date. A hurricane is foreseeable on the date it becomes a named storm. The Insurer will only pay the benefits for Losses occurring within 14 days after the named hurricane makes Your Destination Uninhabitable or Inaccessible.

Political/Violence

a) You or a Traveling Companion are hijacked, quarantined, subpoenaed, or required to serve on a jury;

b) You or a Traveling Companion is called to active military service or military leave is revoked or reassigned;

c) a Terrorist Incident in a City listed on Your itinerary within 30 days of Your scheduled arrival;

Work

a) You or a Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least 1 continuous year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self‐employed persons;

b) You or a Traveling Companion are required to work during his/her scheduled Trip. He/she must provide proof of requirement to work, such as a notarized statement signed by an officer of his/her employer. In the situation of self‐employment, proof of self‐employment and a notarized statement confirming that he/she is unable to travel due to his or her job obligations will be required.

c) You or a Traveling Companion are directly involved in a merger, acquisition, government required product recall, or bankruptcy proceedings and must be currently employed by the company that is involved in said event;

d) Your or a Traveling Companion’s company is deemed to be unsuitable for business due to burglary, or Natural Disaster and You or a Traveling Companion is directly involved as a Key Employee of the disaster recovery team.

SPECIAL NOTIFICATION OF CLAIM
You must notify the Berkshire Hathaway Specialty Concierge within 72 hours or as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the travel supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circumstance that prevented timely notification.

Trip Interruption Benefits: The Company will reimburse You up to the Maximum Limit shown in the Schedule for Trips that are interrupted due to the Unforeseen events shown above for:

a) Unused portion of non‐refundable pre‐paid insured Trip Cost; and

b) additional transportation expenses incurred by You, either to theReturn Destination; or from the place that You left the Trip to the place that You may rejoin the Trip; or

c) additional transportation expenses incurred by You to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date.

However, the benefit payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket, less any refunds paid or payable, by the most direct route.

Trip Interruption – Return Air Only: The Company will reimburse You up to the Maximum Limit shown on the Schedule for the additional transportation expenses incurred to reach the Return Destination due to one of the Unforeseen events listed in the Trip Cancellation/Trip Interruption section. However, the benefit payable will not exceed the cost of economy airfare (or the same class as the Insured’s original ticket) less any refunds paid or payable and taken by the most direct route.

Benefits paid for Trip Interruption – Return Air Only cannot be combined with Trip Interruption Benefits.

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:

Medical / Health

a) Injury or Sickness:

(1) Occurring to the Insured or a Traveling Companion that is so disabling as to cause a reasonable person to cancel or interrupt their Trip, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing continued participation in the Trip;

(2) Occurring to a Family Member not traveling that is considered life-threatening, as certified by a Physician or they require the Insured’s immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;

(3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician; or

(4) Occurring to the Insured’s Host At Destination. A Physician must certify the Sickness or Injury.

b) Death of the Insured, Traveling Companion, Family Member, Business Partner, or Host At Destination.

c) The Insured or Traveling Companion, or their Child, is Quarantined.

Environment

a) Inclement Weather which causes delay or cancellation of travel;

b) The Insured’s, or a Traveling Companion’s Primary Residence being made Uninhabitable by Natural Disaster, Named Storm, vandalism, or burglary;

c) The Destination being made Uninhabitable or Inaccessible by Natural Disaster, vandalism, or burglary;

d) A Named Storm causing cancellation or interruption of travel to the Insured’s Destination that is Inaccessible or Uninhabitable. A Named Storm becomes foreseeable on the date it is named by the National Oceanic and Atmospheric Administration (NOAA) or foreign equivalent. The Company will only pay benefits for Losses occurring more than 14 days from the Policy Effective Date and within 30 days after the Named Storm makes the Destination Uninhabitable or Inaccessible.

Other

a) The Insured or a Traveling Companion is directly involved in a traffic accident (not including a mechanical breakdown), while en route to the Insured’s Destination. The traffic accident must be substantiated by a police report;

b) Mechanical/equipment failure of a Common Carrier that occurs on the scheduled Trip Departure Date;

c) Strike of a Common Carrier the Insured is scheduled to travel on, resulting in complete interruption of travel services at the point of departure or Destination. If comparable Travel Suppliers are available, coverage will be limited to the additional expenses, change fees, and increase in fare (if any) to book with the new Travel Supplier;

d) The Insured or a Traveling Companion is a traveler on a hijacked aircraft, train, vehicle or vessel;

e) The Insured or a Traveling Companion is legally required to attend a legal proceeding during the Trip, provided the attendance is not in the course of their occupation;

f) The Insured or a Traveling Companion is called to active military service or as a reservist, or military leave is revoked or reassigned. The military leave for the dates of travel must have been approved prior to the Policy Effective Date;

g) The Insured’s Host at Destination is called to active military service or as a reservist, or military leave is revoked or reassigned. The military leave for the dates of travel must be approved prior to the Policy Effective Date;

h) The Insured or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to the Departure Date. No coverage is provided for Felonious Assault committed by another Insured, Family Member, Traveling Companion or Traveling Companion’s Family Member;

i) The Insured, a Traveling Companion, or parent or legal guardian if the Insured is a Child, through no fault of his or her own is involuntarily terminated or laid off for more than 30 days. To qualify he or she must have been an active employee for the employer for at least 1 continuous year. Termination must occur following the Policy Effective Date. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons;

j) The Insured, a Traveling Companion, or parent or legal guardian if the Insured is a Child, has an involuntary employer-initiated transfer of 100 or more miles which requires the Insured’s Primary Residence to be relocated; provided that he or she has been an active employee with the same employer for at least 1 continuous year. Notification of the transfer by the employer to the Insured must occur after the Policy Effective Date;

a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the scheduled arrival or during the Trip;

Cancel for Work Reasons coverage will be included for these additional Unforeseen events:

(1) the Insured or Traveling Companion is required to work during the scheduled Trip. They must provide proof of requirement to work, such as a notarized statement signed by an officer of their employer. This coverage is not available where the Insured or Traveling Companion is self-employed.
(2) the Insured or Traveling Companion’s company is the subject of a merger, acquisition, government required product recall, or bankruptcy proceedings, and the Insured or Traveling Companion is directly involved. This coverage is not available where the Insured or Traveling Companion is self employed.
(3) the Insured’s or Traveling Companion’s company’s disaster recovery plan is activated, and the Insured or Traveling Companion is directly involved in the response.

The Financial Default of a Travel Supplier, provided all of the following conditions are met:

(1) This policy is purchased within the Early Purchase Window; and
(2) The default occurs more than 14 days following the Policy Effective Date.

The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit for Financial Default shown in the Schedule. If the Insured books with a comparable Travel Supplier, the Company will pay for the additional expenses to book with the new Travel Supplier.

The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, Travel Supplier, or firm that directly procured travel arrangements for the Insured.

Single Occupancy Benefit: If the Insured prepaid for shared accommodations and their Traveling Companion cancels their Trip due to one or more of the Unforeseen Covered Events, the Company will reimburse any additional accommodation fees the Insured is required to pay.

SPECIAL NOTIFICATION OF CLAIM

The Insured must notify the Travel Supplier and the Travel Insurance Administrator or an agent of the company within 72 hours or as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, the Insured must provide proof of the circumstance that prevented timely notification.

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:

Medical / Health

a) Any serious Injury, death, or Sickness;

(1) Occurring to You or a Traveling Companion, a Family Member traveling with You, that is so disabling as to cause a reasonable person to cancel or interrupt their Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip;

(2) Occurring to a Family Member not traveling with the You that is considered life-threatening, as certified by a Physician or they require Your immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;

(3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician;

Transportation and Accommodation

a) Financial Default of an airline, Cruise line, Common Carrier or tour operator provided that:

(1) The insurance was purchased within 15 days of Initial Trip Payment; and

(2) Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits.

The Insurer will not cover Losses resulting from a Financial Default of any person, organization, agency, or firm that solicited Your travel arrangements to you.

b) Strike resulting in complete interruption of travel services at the point of departure or Destination;

Environment

a) Inclement Weather, if it causes delay or cancellation of travel for at least 24 consecutive hours;

b) You or a Traveling Companion’s Primary Residence being made Uninhabitable or inaccessible by Natural Disaster, vandalism, or burglary;

c) You or a Traveling Companion’s Destination being made Uninhabitable or Inaccessible by flood, tornado, earthquake, volcanic eruption, fire, wildfire, or blizzard that is due to natural causes;

d) a named hurricane causing cancellation or interruption of travel to Your Destination that is Inaccessible or Uninhabitable. Claims are not payable if a hurricane is foreseeable prior to Your effective date. A hurricane is foreseeable on the date it becomes a named storm. The Insurer will only pay the benefits for Losses occurring within 14 days after the named hurricane makes Your Destination Uninhabitable or Inaccessible.

Political / Violence

a) You, or a Traveling Companion are hijacked, quarantined, subpoenaed, or required to serve on a jury;

b) You or a Traveling Companion is called to active military service or military leave is revoked or reassigned;

c) a Terrorist Incident in a City listed on Your itinerary within 30 days of Your scheduled arrival;

Work

a) You or a Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least 1 continuous year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons.

SPECIAL NOTIFICATION OF CLAIM

You must notify Berkshire Hathaway Specialty Concierge within 72 hours or as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the travel supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circumstance that prevented timely notification.

Trip Interruption Benefits: The Company will reimburse You up to the Maximum Limit shown in the Schedule for Trips that are interrupted due to the Unforeseen events shown above for:

a) Unused portion of non-refundable pre-paid insured Trip Cost; and

b) additional transportation expenses incurred by You, either to the Return Destination; or from the place that You left the Trip to the place that You may rejoin the Trip; or

c) additional transportation expenses incurred by You to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date.

However, the benefit payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket, less any refunds paid or payable, by the most direct route.

Trip Interruption – Return Air Only: The Company will reimburse You up to the Maximum Limit shown on the Schedule for the additional transportation expenses incurred to reach the Return Destination due to one of the Unforeseen events listed in the Trip Cancellation/Trip Interruption section. However, the benefit payable will not exceed the cost of economy airfare (or the same class as the Insured’s original ticket) less any refunds paid or payable and taken by the most direct route.

Benefits paid for Trip Interruption – Return Air Only cannot be combined with Trip Interruption Benefits.

SINGLE OCCUPANCY BENEFIT

The Company will reimburse You, up to the Trip Cancellation and Trip Interruption Maximum Limit shown in the Schedule, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with You has his/her Trip canceled or interrupted due to any of the Unforeseen events shown in the Trip Cancellation and Trip Interruption section and You do not cancel.

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:

Medical / Health

a) Injury or Sickness:
(1) Occurring to the Insured or a Traveling Companion that is so disabling as to cause a reasonable person to cancel or interrupt their Trip, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing continued participation in the Trip;
(2) Occurring to a Family Member not traveling that is considered life-threatening, as certified by a Physician or they require the Insured’s immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;
(3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician.

b) Death of the Insured, Traveling Companion, Family Member, or Business Partner.

c) The Insured or Traveling Companion, or their Child, is Quarantined.

Environment

a) Inclement Weather which causes delay or cancellation of travel;

b) The Insured’s, or a Traveling Companion’s Primary Residence being made Uninhabitable by Natural Disaster, Named Storm, vandalism, or burglary;

The Destination being made Uninhabitable or Inaccessible by Natural Disaster, vandalism, or burglary;

A Named Storm causing cancellation or interruption of travel to the Insured’s Destination that is Inaccessible or Uninhabitable. A Named Storm becomes foreseeable on the date it is named by the National Oceanic and Atmospheric Administration (NOAA) or foreign equivalent. The Company will only pay benefits for Losses occurring more than 14 days from the Policy Effective Date and within 30 days after the Named Storm makes the Destination Uninhabitable or Inaccessible;

Other

a) The Insured or a Traveling Companion is directly involved in a traffic accident (not including a mechanical breakdown), while en route to the Insured’s Destination. The traffic accident must be substantiated by a police report;

b) The Insured or a Traveling Companion is a traveler on a hijacked aircraft, train, vehicle or vessel;

c) The Insured or a Traveling Companion is legally required to attend a legal proceeding during the Trip, provided the attendance is not in the course of their occupation;

d) The Insured or a Traveling Companion is called to active military service or as a reservist, or military leave is revoked or reassigned. The military leave for the dates of travel must have been approved prior to the Policy Effective Date;

e) The Insured, a Traveling Companion, or parent or legal guardian if the Insured is a Child, through no fault of his or her own is involuntarily terminated or laid off for more than 30 days. To qualify he or she must have been an active employee for the employer for at least 1 continuous year. Termination must occur following the Policy Effective Date. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons;

f) The Insured, a Traveling Companion, or parent or legal guardian if the Insured is a Child, has an involuntary employer-initiated transfer of 100 or more miles which requires the Insured’s Primary Residence to be relocated; provided that he or she has been an active employee with the same employer for at least 1 continuous year. Notification of the transfer by the employer to the Insured must occur after the Policy Effective Date;

g) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the scheduled arrival or during the Trip;

The Financial Default of a Travel Supplier, provided all of the following conditions are met:

(1) This policy is purchased within the Early Purchase Window; and
(2) The default occurs more than 14 days following the Policy Effective Date.

The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit for Financial Default shown in the Schedule. If the Insured books with a comparable Travel Supplier, the Company will pay for the additional expenses to book with the new Travel Supplier.

The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, Travel Supplier, or firm that directly procured travel arrangements for the Insured.

Single Occupancy Benefit:

If the Insured prepaid for shared accommodations and their Traveling Companion cancels their Trip due to one or more of the Unforeseen Covered Events, the Company will reimburse any additional accommodation fees the Insured is required to pay.

SPECIAL NOTIFICATION OF CLAIM

The Insured must notify the Travel Supplier and the Travel Insurance Administrator or an agent of the company within 72 hours or as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, the Insured must provide proof of the circumstance that prevented timely notification.

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:

Medical / Health

a) Any serious Injury, death, or Sickness;

1) Occurring to You or a Traveling Companion, a Family Member traveling with You, that is so disabling as to cause a reasonable person to cancel or interrupt their Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip;

2) Occurring to a Family Member not traveling with the You that is considered life-threatening, as certified by a Physician or they require Your immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;

3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician;

4) Sickness, Injury, death or hospitalization occurring to Your Host at Your Destination. A Physician must certify the Sickness or Injury;

b) You being medically unable to receive a required immunization for entry into a country of Destination, provided that such a requirement was not in place at the time of the effective date of coverage;

c) You, your spouse, or Domestic Partner must cancel Your Trip due to a Normal Pregnancy or Childbirth. Date of conception as calculated by a licensed OB-GYN must occur after Your effective date of coverage;

Transportation and Accommodation

a) Financial Default of an airline, Cruise line, Common Carrier or tour operator provided that:

1) The insurance was purchased with 15 days of Initial Trip Payment; and

2) Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits.

The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, or firm that solicited Your travel arrangements to you.

b) You or a Traveling Companion are directly involved in or delayed due to a traffic accident, while en route to the Insured’s Destination. Traffic accident must be substantiated by a police report;

c) mechanical/equipment failure of a Common Carrier that occurs on a scheduled Trip Departure Date and causes complete cessation of Your travel and results in a Loss of 50% of Your Trip length;

d) Strike resulting in complete interruption of travel services at the point of departure or Destination;

Environment

a) Inclement Weather, if it causes delay or cancellation of travel;

b) You or a Traveling Companion’s Primary Residence being made Uninhabitable or Inaccessible by Natural Disaster, vandalism, or burglary;

c) You or a Traveling Companion’s Destination being made Uninhabitable or Inaccessible by flood, tornado, earthquake, volcanic eruption, fire, wildfire, or blizzard that is due to natural causes;

d) a named hurricane causing cancellation or interruption of travel to Your Destination that is Inaccessible or Uninhabitable. Claims are not payable if a hurricane is foreseeable prior to Your effective date. A hurricane is foreseeable on the date it becomes a named storm.

The Company will only pay the benefits for Losses occurring within 14 days after the named hurricane makes Your Destination Uninhabitable or Inaccessible.

Political / Violence

a) You or a Traveling Companion are hijacked, quarantined, subpoenaed, or required to serve on a jury;

b) You or a Traveling Companion is called to active military service or military leave is revoked or reassigned;

c) a Terrorist Incident in a City listed on Your itinerary within 30 days of Your scheduled arrival;

d) You or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to the Departure Date. No coverage is provided for Felonious Assault committed by another Insured, Family Member, Traveling Companion or Traveling Companion’s Family Member;

Work

a) You or a Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least 1 continuous year.

Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons;

b) You or Traveling Companion is required to work during his/her scheduled Trip. He/she must provide proof of requirement to work, such as a notarized statement signed by an officer of his/her employer. In the situation of self-employment, proof of self-employment and a notarized statement confirming that the Insured is unable to travel due to his or her job obligations will be required.

c) You or Traveling Companion is directly involved in a merger, acquisition, government required product recall, or bankruptcy proceedings and must be currently employed by the company that is involved in said event;

d) Your or Traveling Companion’s company is deemed to be unsuitable for business due to burglary, or Natural Disaster and the Insured or Traveling Companion is directly involved as a Key Employee of the disaster recovery team.

Other

a) cancellation of a scheduled event due to Inclement Weather prior to departing on the Trip provided attendance at the event was the sole reason for the Trip and the duration of the Trip does not exceed 48 hours before or after such an event;

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.

d) You or a Traveling Companion, legally adopts a Child and the date of the placement or adoption falls during Your Trip;

e) Theft or loss of passports or visas specifically required for Your Trip, substantiated by a police report, resulting in a Loss of 50% of the Insured’s Trip length;

f) You or a Traveling Companion are a full time employee, a student, or parent of a student at a primary or secondary school and are required to complete an extended school year that falls on or beyond the Departure Date. School year extensions due to extra-curricular or athletic events are not covered;

SPECIAL NOTIFICATION OF CLAIM

You must notify The Travel Insurance Administrator within 72 hours or as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim.

The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the travel supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circumstance that prevented timely notification.

Trip Interruption Benefits: The Company will reimburse You up to the Maximum Limit shown in the Schedule for Trips that are interrupted due to the Unforeseen events shown above for:

a) Unused portion of non-refundable pre-paid insured Trip Cost; and

b) additional transportation expenses incurred by You, either to the Return Destination; or from the place that You left the Trip to the place that You may rejoin the Trip; or

c) additional transportation expenses incurred by You to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date.

However, the benefit payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket, less any refunds paid or payable, by the most direct route.

Trip Interruption – Return Air Only: The Company will reimburse You up to the Maximum Limit shown on the Schedule for the additional transportation expenses incurred to reach the Return Destination due to one of the Unforeseen events listed in the Trip Cancellation/Trip Interruption section. However, the benefit payable will not exceed the cost of economy airfare (or the same class as the Insured’s original ticket) less any refunds paid or payable and taken by the most direct route.

Benefits paid for Trip Interruption – Return Air Only cannot be combined with Trip Interruption Benefits.

SINGLE OCCUPANCY BENEFIT

The Company will reimburse You, up to the Trip Cancellation and Trip Interruption Maximum Limit shown in the Schedule, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with You has his/her Trip canceled or interrupted due to any of the Unforeseen events shown in the Trip Cancellation and Trip Interruption section and You do not cancel.

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 theInsured’s original ticket by the most direct route, less any refunds paid or payable.

UNFORESEEN COVERED EVENTS:

Medical / Health

a) Injury or Sickness:

(1) Occurring to the Insured or a Traveling Companion that is so disabling as to cause a reasonable person to cancel or interrupt their Trip, or which results in medically imposed restrictions as certified by aPhysician at the time of Loss preventing continued participation in the Trip;
(2) Occurring to a Family Member not traveling that is considered life-threatening, as certified by aPhysician or they require the Insured’s immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;
(3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician; or
(4) Occurring to the Insured’s Host At Destination. A Physician must certify the Sickness or Injury.

b) Death of the Insured, Traveling Companion, Family Member, Business Partner, or Host At Destination.

c) The Insured or Traveling Companion, or their Child, is Quarantined.

The Insured or Traveling Companion being medically unable to receive a required immunization for entry into a country of Destination, provided that such a requirement was not in place prior to the policy purchase date;

The Insured must cancel the Trip due to a Normal Pregnancy of the Insured or Traveling Companion or their spouse or Domestic Partner. The pregnancy must first be confirmed by a Physician after the Policy Effective Date. The Normal Pregnancy must fall within the scheduled Trip;

Environment

a) Inclement Weather which causes delay or cancellation of travel;

b) The Insured’s, or a Traveling Companion’s Primary Residence being made Uninhabitable by Natural Disaster, Named Storm, vandalism, or burglary;

c) The Destination being made Uninhabitable or Inaccessible by Natural Disaster, vandalism, or burglary;

d) A Named Storm causing cancellation or interruption of travel to the Insured’s Destination that is Inaccessible or Uninhabitable. A Named Storm becomes foreseeable on the date it is named by the National Oceanic andAtmospheric Administration (NOAA) or foreign equivalent. The Company will only pay benefits for Losses occurring more than 14 days from the Policy Effective Date and within 30 days after the Named Storm makes the Destination Uninhabitable or Inaccessible.

Other

a) The Insured or a Traveling Companion is directly involved in a traffic accident (not including a mechanical breakdown), while en route to the Insured’s Destination. The traffic accident must be substantiated by a police report;

b) Mechanical/equipment failure of a Common Carrier that occurs on the scheduled Trip Departure Date;

c) Strike of a Common Carrier the Insured is scheduled to travel on, resulting in complete interruption of travel services at the point of departure or Destination. If comparable Travel Suppliers are available, coverage will be limited to the additional expenses, change fees, and increase in fare (if any) to book with the new TravelSupplier;

d) The Insured or a Traveling Companion is a traveler on a hijacked aircraft, train, vehicle or vessel;

e) The Insured or a Traveling Companion is legally required to attend a legal proceeding during the Trip, provided the attendance is not in the course of their occupation;

f) The Insured or a Traveling Companion is called to active military service or as a reservist, or military leave is revoked or reassigned. The military leave for the dates of travel must have been approved prior to the Policy Effective Date;

g) The Insured’s Host at Destination is called to active military service or as a reservist, or military leave is revoked or reassigned. The military leave for the dates of travel must be approved prior to the Policy Effective Date;

h) The Insured or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to theDeparture Date. No coverage is provided for Felonious Assault committed by another Insured, Family Member,Traveling Companion or Traveling Companion’s Family Member;

i) The Insured, a Traveling Companion, or parent or legal guardian if the Insured is a Child, through no fault of his or her own is involuntarily terminated or laid off for more than 30 days. To qualify he or she must have been an active employee for the employer for at least 1 continuous year. Termination must occur following the Policy Effective Date. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons;

j) The Insured, a Traveling Companion, or parent or legal guardian if the Insured is a Child, has an involuntary employer-initiated transfer of 100 or more miles which requires the Insured’s Primary Residence to be relocated; provided that he or she has been an active employee with the same employer for at least 1 continuous year.Notification of the transfer by the employer to the Insured must occur after the Policy Effective Date;

The Insured or a Traveling Companion, legally adopts a Child and the date of the placement or adoption falls during the Trip;

The Insured or Traveling Companion is traveling for the purpose of adopting a Child, but the adoption is cancelled for reasons beyond the Insured’s control. The adoption must be approved prior to the Policy Effective Date;

Theft of passports or visas required for the Trip, substantiated by a police report:

Cancellation of a scheduled event due to Inclement Weather or Named Storm prior to departing on the Trip provided attendance at the event was the sole reason for the Trip and the duration of the Trip does not exceed 48 hours before or after such an event;

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.

The Insured or a Traveling Companion is employed as a full-time teacher or other full time employee, or is enrolled as a full time student, at a primary or secondary school and is required to complete an extended school year (including academic examinations) that falls on or beyond the Departure Date. School year extensions due to extra-curricular or athletic events are not covered;

A Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the scheduled arrival or during the Trip;

Cancel for Work Reasons coverage will be included for these additional Unforeseen events:

(1) the Insured or Traveling Companion is required to work during the scheduled Trip. They must provide proof of requirement to work, such as a notarized statement signed by an officer of their employer. This coverage is not available where the Insured or Traveling Companion is self-employed.

(2) the Insured or Traveling Companion’s company is the subject of a merger, acquisition, government required product recall, or bankruptcy proceedings, and the Insured or Traveling Companion is directly involved. This coverage is not available where the Insured or Traveling Companion is self-employed.

(3) the Insured’s or Traveling Companion’s company’s disaster recovery plan is activated, and the Insured or Traveling Companion is directly involved in the response.

The Financial Default of a Travel Supplier, provided all of the following conditions are met:

(1) This policy is purchased within the Early Purchase Window; and
(2) The default occurs more than 14 days following the Policy Effective Date.

The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit for Financial Default shown in the Schedule. If the Insured books with a comparable Travel Supplier, the Company will pay for the additional expenses to book with the new Travel Supplier.

The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, Travel Supplier, or firm that directly procured travel arrangements for the Insured.

Single Occupancy Benefit: If the Insured prepaid for shared accommodations and their Traveling Companion cancels their Trip due to one or more of the Unforeseen Covered Events, the Company will reimburse any additional accommodation fees the Insured is required to pay.

SPECIAL NOTIFICATION OF CLAIM
The Insured must notify the Travel Supplier and the Travel Insurance Administrator or an agent of the company within 72 hours or as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had theInsured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, the Insured must provide proof of the circumstance that prevented timely notification.

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:

Medical / Health

a) Any serious Injury, death, or Sickness;

(1) Occurring to You or a Traveling Companion, a Family Member traveling with You, that is so disabling as to cause a reasonable person to cancel or interrupt their Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip;

(2) Occurring to a Family Member not traveling with You that is considered life-threatening, as certified by a Physician or they require Your immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;

(3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician;

(4) Sickness, Injury, death or hospitalization occurring to Your Host at Your Destination. A Physician must certify the Sickness or Injury;

Transportation and Accommodation

a) You or a Traveling Companion are directly involved in or delayed due to a traffic accident, while en route to the Insured’s Destination. Traffic accident must be substantiated by a police report;

b) mechanical/equipment failure of a Common Carrier that occurs on a scheduled Trip Departure Date and causes complete cessation of Your travel and results in a Loss of 50% of Your Trip length;

c) Strike resulting in complete interruption of travel services at the point of departure or Destination;

Environment

a) Inclement Weather, if it causes delay or cancellation of travel;

b) You or a Traveling Companion’s Primary Residence being made Uninhabitable or inaccessible by Natural Disaster, vandalism, or burglary;

c) You or a Traveling Companion’s Destination being made Uninhabitable or Inaccessible by flood, tornado, earthquake, volcanic eruption, fire, wildfire, or blizzard that is due to natural causes;

d) a named hurricane causing cancellation or interruption of travel to Your Destination that is Inaccessible or Uninhabitable. Claims are not payable if a hurricane is foreseeable prior to Your effective date. A hurricane is foreseeable on the date it becomes a named storm. The Insurer will only pay the benefits for Losses occurring within 14 days after the named hurricane makes Your Destination Uninhabitable or Inaccessible.

Political / Violence

a) You, or a Traveling Companion are hijacked, quarantined, subpoenaed, or required to serve on a jury;

b) You or a Traveling Companion is called to active military service or military leave is revoked or reassigned;

Work

a) You or a Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least 1 continuous year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons;

b) Cancel for Work Reasons coverage will be included for these additional Unforeseen events:

(1) You or Traveling Companion is required to work during his/her scheduled Trip. He/she must provide proof of requirement to work, such as a notarized statement signed by an officer of his/her employer. In the situation of self-employment, proof of self employment and a notarized statement confirming that the Insured is unable to travel due to his or her job obligations will be required.

(2) You or Traveling Companion is directly involved in a merger, acquisition, government required product recall, or bankruptcy proceedings and must be currently employed by the company that is involved in said event;

(3) Your or Traveling Companion’s company is deemed to be unsuitable for business due to burglary, or Natural Disaster and the Insured or Traveling Companion is directly involved as a Key Employee of the disaster recovery team.

This coverage applies only if insurance was purchased within 15 days of Initial Trip Payment.

SPECIAL NOTIFICATION OF CLAIM

You must notify the Berkshire Hathaway Specialty Insurance within 72 hours or as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the Travel Supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circumstance that prevented timely notification.

Trip Interruption Benefits: The Company will reimburse You up to the Maximum Limit shown in the Schedule for Trips that are interrupted due to the Unforeseen events shown above for:

a) Unused portion of non-refundable pre-paid insured Trip Cost; and

b) additional transportation expenses incurred by You, either to the Return Destination; or from the place that You left the Trip to the place that You may rejoin the Trip; or

c) additional transportation expenses incurred by You to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date.

However, the benefit payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket, less any refunds paid or payable, by the most direct route.

SINGLE OCCUPANCY BENEFIT

The Company will reimburse You, up to the Trip Cancellation and Trip Interruption Maximum Limit shown in the Schedule, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, nonrefundable travel arrangements if a person booked to share accommodations with You has his/her Trip canceled or interrupted due to any of the Unforeseen events shown in the Trip Cancellation and Trip Interruption section and You do not cancel.

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 theInsured’s original ticket by the most direct route, less any refunds paid or payable.

Single Occupancy Benefit: If the Insured prepaid for shared accommodations and their Traveling Companion cancels their Trip due to one or more of the Unforeseen Covered Events, the Company will reimburse any additional accommodation fees the Insured is required to pay.

SPECIAL NOTIFICATION OF CLAIM
The Insured must notify the Travel Supplier and the Travel Insurance Administrator or an agent of the company within 72 hours or as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, the Insured must provide proof of the circumstance that prevented timely notification.

UNFORESEEN COVERED EVENTS:

Medical / Health

a) Injury or Sickness:
(1) Occurring to the Insured or a Traveling Companion that is so disabling as to cause a reasonable person to cancel or interrupt their Trip, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing continued participation in the Trip;
(2) Occurring to a Family Member not traveling that is considered life-threatening, as certified by a Physician or they require the Insured’s immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;
(3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician;

b) Death of the Insured, Traveling Companion, Family Member, or Business Partner.

c) The Insured or Traveling Companion, or their Child, is Quarantined.

Environment

a) Inclement Weather which causes delay or cancellation of travel;

b) The Insured’s, or a Traveling Companion’s Primary Residence being made Uninhabitable by Natural Disaster, Named Storm, vandalism, or burglary.

c) A Named Storm causing cancellation or interruption of travel to the Insured’s Destination that is Inaccessible or Uninhabitable. A Named Storm becomes foreseeable on the date it is named by the National Oceanic and Atmospheric Administration (NOAA) or foreign equivalent. The Company will only pay benefits for Losses occurring more than 14 days from the Policy Effective Date and within 30 days after the Named Storm makes the Destination Uninhabitable or Inaccessible;

Other

a) The Insured or a Traveling Companion is directly involved in a traffic accident (not including a mechanical breakdown), while en route to the Insured’s Destination. The traffic accident must be substantiated by a police report;

b) Mechanical/equipment failure of a Common Carrier that occurs on the scheduled Trip Departure Date;

c) Strike of a Common Carrier the Insured is scheduled to travel on, resulting in complete interruption of travel services at the point of departure or Destination. If comparable Travel Suppliers are available, coverage will be limited to the additional expenses, change fees, and increase in fare (if any) to book with the new TravelSupplier;

d) The Insured or a Traveling Companion is a traveler on a hijacked aircraft, train, vehicle or vessel;

e) The Insured or a Traveling Companion is legally required to attend a legal proceeding during the Trip, provided the attendance is not in the course of their occupation;

f) The Insured or a Traveling Companion is called to active military service or as a reservist, or military leave is revoked or reassigned. The military leave for the dates of travel must have been approved prior to the Policy Effective Date;

g) The Insured, a Traveling Companion, or parent or legal guardian if the Insured is a Child, through no fault of his or her own is involuntarily terminated or laid off for more than 30 days. To qualify he or she must have been an active employee for the employer for at least 1 continuous year. Termination must occur following the Policy Effective Date. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons;

h) The Insured, a Traveling Companion, or parent or legal guardian if the Insured is a Child, has an involuntary employer-initiated transfer of 100 or more miles which requires the Insured’s Primary Residence to be relocated; provided that he or she has been an active employee with the same employer for at least 1 continuous year. Notification of the transfer by the employer to the Insured must occur after the Policy Effective Date;

i) Cancel for Work Reasons coverage will be included for these additional Unforeseen events:
(1) the Insured or Traveling Companion is required to work during the scheduled Trip. They must provide proof of requirement to work, such as a notarized statement signed by an officer of their employer. This coverage is not available where the Insured or Traveling Companion is self-employed.
(2) the Insured or Traveling Companion’s company is the subject of a merger, acquisition, government required product recall, or bankruptcy proceedings, and the Insured or Traveling Companion is directly involved. This coverage is not available where the Insured or Traveling Companion is self-employed.
(3) the Insured’s or Traveling Companion’s company’s disaster recovery plan is activated, and the Insured or Traveling Companion is directly involved in the response.

TRIP INTERRUPTION

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

We will pay You:

a) for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s);

b) additional transportation expenses incurred by You; or

c) return air travel up to the lesser of the cost of an economy flight or the amount shown on the Schedule of Benefits.

In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

The Following are the Unforeseen Events for Trip Cancellation and Trip Interruption:

a) Your Accidental Injury, Covered Sickness or death or the Accidental Injury, Covered Sickness or death of Your Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; that results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) An Accidental Injury incurred by You that causes You to be medically unable to continue Your trip’s activity(ies). An actual examination by a Physician must take place and the Physician must advise You to discontinue the trip’s activity(ies).

c) Inclement weather, Natural Disasters, Terrorist Attacks or mechanical breakdown of the Common Carrier that results in the complete cessation of travel services at the point of departure or destination for at least 48 consecutive hours.

d) Mandatory evacuation ordered by local authorities at Your destination due to a Natural Disaster. You must have 50% or less of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.

e) Natural Disaster or documented man-made disaster at the point of departure or Your destination that renders Your primary residence or the accommodations at Your destination uninhabitable.

f) Adverse weather or Natural Disaster resulting in the obstruction of public roadways or curtailment of public transportation, that prevents Your ability to arrive at Your Land/Sea Arrangements.

g) A road closure causing a delay in reaching Your destination for at least 12 hours.

h) Strike that causes complete cessation of travel services of Your Common Carrier for at least 48 consecutive hours.

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

j) The airport terminal from which You are scheduled to fly, is closed due to a documented security breach within 12 hours of arrival at the terminal or while You are physically at the terminal.

k) A politically motivated Terrorist Attack that occurs within 30 days of Your departure and within 50 miles of a City listed on Your itinerary. The Terrorist Attack must occur on or after the Effective Date of Your Trip Cancellation Coverage.

l) A documented theft of passports or visas. Documented means that You have reported the theft to the local authorities.

m) You or Your Traveling Companion being directly involved in or delayed due to a traffic Accident substantiated by a police report, while en route to departure.

n) You and/or Your Traveling Companion are hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer; the victim of felonious assault; having Your principal place of residence made inaccessible and uninhabitable by a Natural Disaster; or burglary or vandalism of Your principal place of residence within 10 days of departure.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. Your or a Traveling Companion’s company being made unsuitable for business by fire, flood, burglary, vandalism or other Natural Disaster and You is responsible for policy and decision making with the company and is directly involved as a member of the disaster recovery team.

5. You or Your Traveling Companion being required to work during the Trip. Proof of requirement to work, such as a notarized statement signed by an officer of Your or Your Traveling Companion’s employer must be presented. This benefit is not available to independent contractors, temporary employees or self-employed individuals, or if You or Your Traveling Companion are a company owner or partner.

6. Your or Your Traveling Companion’s company being directly involved in a merger, acquisition, government required product recall or Bankruptcy or Default proceedings. You or Your Traveling Companion must be an active employee of the company and must be directly involved in said event.

7. You or Your Traveling Companion have a previously approved military leave revoked or experience a military re- assignment.

8. You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).

9. Weather that causes complete cessation of services for at least twenty-four (24) consecutive hours of the Common Carrier on which You are scheduled to travel and prevents You from reaching Your destination. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this coverage.

10. Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable.

11. A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary during Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.

12. You or Your Traveling Companion are a victim of a felonious assault.

13. Death or critical condition diagnosis of Your or Your Traveling Companion’s cat or dog during Your Trip as certified by a Veterinarian at the time of Loss preventing Your continued participation in the Trip.

14. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

15. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective.

16. Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least twenty-four (24) consecutive hours.
The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:

(a) pre-paid unused, non-refundable land or sea expenses to the Travel Suppliers;

(b) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original
Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets.

In no event will the Company reimburse You for the cash value of Your airline ticket(s) purchased with frequent flier miles.

The Company will pay for Reasonable Expenses incurred by You if Your Traveling Companion must remain Hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You or Your Traveling Companion cannot fly home due to an Accident or a Sickness but do not require Hospitalization.

In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.

SPECIAL CONDITIONS:
You must advise the Company or its authorized representative as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Company, its authorized representative and Your Travel Supplier as soon as reasonable possible.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. Your or a Traveling Companion’s company being made unsuitable for business by fire, flood, burglary, vandalism or other Natural Disaster and You is responsible for policy and decision making with the company and is directly involved as a member of the disaster recovery team.

5. You or Your Traveling Companion being required to work during the Trip. Proof of requirement to work, such as a notarized statement signed by an officer of Your or Your Traveling Companion’s employer must be presented. This benefit is not available to independent contractors, temporary employees or self-employed individuals, or if You or Your Traveling Companion are a company owner or partner.

6. Your or Your Traveling Companion’s company being directly involved in a merger, acquisition, government required product recall or Bankruptcy or Default proceedings. You or Your Traveling Companion must be an active employee of the company and must be directly involved in said event.

7. You or Your Traveling Companion have a previously approved military leave revoked or experience a military re- assignment.

8. You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).

9. Weather that causes complete cessation of services for at least twenty-four (24) consecutive hours of the Common Carrier on which You are scheduled to travel and prevents You from reaching Your destination. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this coverage.

10. Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable.

11. A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary during Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.

12. You or Your Traveling Companion are a victim of a felonious assault.

13. Death or critical condition diagnosis of Your or Your Traveling Companion’s cat or dog during Your Trip as certified by a Veterinarian at the time of Loss preventing Your continued participation in the Trip.

14. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

15. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective.

16. Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least twenty-four (24) consecutive hours.
The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:

(a) pre-paid unused, non-refundable land or sea expenses to the Travel Suppliers;

(b) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original
Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets.

In no event will the Company reimburse You for the cash value of Your airline ticket(s) purchased with frequent flier miles.

The Company will pay for Reasonable Expenses incurred by You if Your Traveling Companion must remain Hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You or Your Traveling Companion cannot fly home due to an Accident or a Sickness but do not require Hospitalization.

In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.

SPECIAL CONDITIONS:
You must advise the Company or its authorized representative as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Company, its authorized representative and Your Travel Supplier as soon as reasonable possible.

TRIP INTERRUPTION BENEFIT

If your arrival on your Trip is delayed beyond your Scheduled Departure Date, or if you are unable to continue the Trip due to one of the unforeseeable Covered Events listed below that occur during your Trip dates to you or your Traveling Companion, we will reimburse you for the unused, non-refundable land or water arrangements prepaid to the Travel Supplier prior to departing on your Trip, less any refunds paid or payable, plus one of the following:

a. Additional transportation expenses incurred to reach your scheduled destination if your departure is delayed and you leave after the Scheduled Departure Date and time; or

b.Additional transportation expenses incurred for you to reach the final return destination of your Trip; or

c. Additional transportation expenses incurred to rejoin the Trip in progress from the point where you interrupted your Trip.

We will also provide reimbursement for unused air arrangements, less any refunds paid or payable, provided that these are not flights scheduled to travel to your Trip destination or flights scheduled to your origin of departure on your Trip, and provided that these are not flights within 24 hours of your Scheduled Departure Date or Scheduled Return Date.

Covered Events:

1. The Sickness, Injury or death of you, your Family Member, your Service Animal or your Traveling Companion. The Sickness or Injury must first commence while your Trip Interruption coverage is in effect under the Policy, must require the in-person treatment by a Physician, and must be so disabling in the written opinion of a Physician as to prevent you from taking your Trip (either because your condition prevents your travel, or because your Family Member, Traveling Companion or your Service Animal requires your care);

2. Common Carrier delays and/or cancellations resulting from adverse weather, mechanical breakdown of the aircraft, ship, boat or motor coach that you were scheduled to travel on, or organized labor strikes that affect public transportation;

3. Being directly involved in a documented traffic accident while en route to departure on your Trip;

4. Being hijacked or Quarantined;

5. Being required to serve on a jury, or required by a court order to appear as a witness in a legal action provided you, a Family Member or a Traveling Companion is not a party to the legal action or appearing as a law enforcement officer;

6. Your Home made Uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;

7. Your Accommodations at your destination made Uninhabitable due to fire, flood, volcano, earthquake, hurricane or other natural disaster. We will only pay benefits for losses occurring within 30 calendar days after the event renders the destination Uninhabitable. For the purpose of this coverage, Uninhabitable means: (i) the building itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail or flood; or (iii) immediate safety hazards have yet to be cleared, such as debris on roofs or downed electrical lines. In order to receive benefits under this coverage to remain home or to return home when the destination is restored for use, you must have 4 days or 50% of your total Trip length or less remaining at the time the destination is restored for use. Benefits are not payable if the event occurs or if the hurricane is named prior to or on your Trip Cancellation Coverage Effective Date;

8. A documented theft of your passports or visas;

9. A mandatory evacuation (or public official evacuation advisement in geographic areas where no mandatory evacuation orders are issued by government authorities) at your destination due to adverse
weather or natural disasters. We will only pay benefits for losses occurring within 30 calendar days after the evacuation order is issued. In order to receive benefits under this coverage to remain home
or to return home when the mandatory evacuation ends, you must have 4 days or 50% of your total Trip length or less remaining on your Trip at the time the mandatory evacuation ends;

10. Being called into active military service to provide aid or relief in the event of a natural disaster;

11. Your previously granted military leave being revoked. The leave must be approved prior to your coverage becoming effective, and official written revocation notice from your commanding officer will be required;

12. Your involuntary termination of employment or layoff (or the involuntary termination or layoff of your parent or guardian if you are a minor traveling alone), after continuous employment with the same employer for 1 year(s) or more, provided the termination or layoff occurs 14 days or more after your coverage has taken effect. This benefit is not available to temporary employees, independent contractors, or self-employed persons;

13. A Terrorist Act which occurs in your departure city or in a city to which you are scheduled to travel while on your Trip, and which occurs within 30 days of your Scheduled Departure Date, provided the city has not experienced a Terrorist Act in the 30 days prior to the effective date of your coverage;

14. Your Host being unable to provide Accommodations due to a life-threatening Sickness or Injury, or due to death. Official documentation of the event will be required;

15. The school where you attend must extend its operating session beyond its predefined school year due to unforeseeable events commencing during the Policy effective period. The school year extension
dates must fall in your Trip dates in order for this coverage to be available. Extensions due to extracurricular or athletic events are not covered;

16. Being required to take an academic examination on a date that has been fixed while on your Trip, and the examination date falls within your Trip dates;

17. Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of destination while on your Trip. The vaccination or
inoculation must be unannounced and unpublished to the public at the time your coverage is purchased;

18. Receiving official notification of an organ match available to you for immediate transplant, provided the transplant is considered medically necessary, the notification is received while you are on your
Trip, and in the written opinion of the Physician the transplant surgery and/or recovery is so disabling as to prevent you from continuing on your Trip;

19. Receiving a court-issued notice to attend an Adoption Proceeding, provided you are not attending as a condition of your employment and provided the person being adopted is not you, your Traveling
Companion or your Family Member. The date of the scheduled Adoption Proceeding must be during your Trip dates;

20. Receiving notice that your Adoption Proceeding or adoption arrangements have been cancelled or terminated, provided your Trip was for the purpose of executing the adoption.

Limitations

Benefits payable for additional transportation expenses will not exceed the cost of airfare (the same class airfare on which you were originally booked) by the most direct route, less any refunds paid or payable.

This coverage is subject to the General Exclusions.

TRIP INTERRUPTION BENEFIT

If your arrival on your Trip is delayed beyond your Scheduled Departure Date, or if you are unable to continue the Trip due to one of the unforeseeable Covered Events listed below that occur during your Trip dates to you or your Traveling Companion, we will reimburse you for the unused, non-refundable land or water arrangements prepaid to the Travel Supplier prior to departing on your Trip, less any refunds paid or payable, plus one of the following:

a) Additional transportation expenses incurred to reach your scheduled destination if your departure is delayed and you leave after the Scheduled Departure Date and time; or

b) Additional transportation expenses incurred for you to reach the final return destination of your Trip; or

c) Additional transportation expenses incurred to rejoin the Trip in progress from the point where you interrupted your Trip.

We will also provide reimbursement for unused air arrangements, less any refunds paid or payable, provided that these are not flights scheduled to travel to your Trip destination or flights scheduled to your origin of departure on your Trip, and provided that these are not flights within 24 hours of your Scheduled Departure Date or Scheduled Return Date.

Covered Events:

1. The Sickness, Injury or death of you, your Family Member, your Traveling Companion or your Service Animal. The Sickness or Injury must first commence while your coverage is in effect under the Policy, must require the in-person treatment by a Physician, and must be so disabling in the written opinion of a Physician as to prevent you from taking your Trip (either because your condition prevents your travel, or because your Family Member, Traveling Companion or your Service Animal requires your care);

2. Common Carrier delays and/or cancellations resulting from adverse weather, mechanical breakdown of the aircraft, ship, boat or motor coach that you were scheduled to travel on, or organized labor strikes that affect public transportation;

3. Common Carrier delays and/or cancellations resulting from Financial Insolvency, provided you purchased this coverage prior to or within 24 hours of your final Payment for your Trip;

4. Being directly involved in a documented traffic accident while en route to departure on your Trip;

5. Being hijacked or Quarantined;

6. Being required to serve on a jury, or required by a court order to appear as a witness in a legal action provided you, a Family Member or a Traveling Companion is not a party to the legal action or appearing as a law enforcement officer;

7. Your Home made Uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;

8. Your Accommodations at your destination made Uninhabitable due to fire, flood, volcano, earthquake, hurricane or other natural disaster. We will only pay benefits for losses occurring within 30 calendar days after the event renders the destination Uninhabitable. For the purpose of this coverage, Uninhabitable means: i) the building itself is unstable and there is a risk of collapse in whole or in part; ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail or flood; or iii) immediate safety hazards have yet to be cleared, such as debris on roofs or downed electrical lines. In order to cancel your trip, you must have 4 days or 50% of your total Trip length or less remaining at the time the destination is restored for use. Benefits are not payable if the event occurs or if a hurricane is named prior to or on your Trip Cancellation Coverage Effective Date;

9. A documented theft of your passports or visas;

10. A mandatory evacuation (or public official evacuation advisement in geographic areas where no mandatory evacuation orders are issued by government authorities) at your destination due to adverse weather or natural disasters. We will only pay benefits for losses occurring within 30 calendar days after the evacuation order is issued. In order to cancel your Trip, you must have 4 days or 50% of your total Trip length or less remaining at the time the mandatory evacuation ends;

11. Being called into active military service to provide aid or relief in the event of a natural disaster;

12. Your previously granted military leave being revoked. The leave must be approved prior to your coverage becoming effective, and official written revocation notice from your commanding officer will be required;

13. Your involuntary termination of employment or layoff (or the involuntary termination or layoff of your parent or guardian if you are a minor traveling alone), after continuous employment with the same employer for 1 year or more, provided the termination or layoff occurs 14 days or more after your coverage has taken effect. This benefit is not available to temporary employees, independent contractors, or self-employed persons;

14. A Terrorist Act which occurs in your Scheduled Trip Departure City or in a city to which you are scheduled to travel while on your Trip, and which occurs within 30 days of your Scheduled Departure Date, provided the city has not experienced a Terrorist Act in the past 30 days prior to the effective date of your coverage;

15. Your Host being unable to provide Accommodations due to a life-threatening Sickness or Injury, or due to death. Official documentation of the event will be required;

16. The school where you attend must extend its operating session beyond its predefined school year due to unforeseeable events commencing during the coverage effective period. The school year extension dates must fall in your Trip dates in order for this coverage to be available. Extensions due to extra- curricular or athletic events are not covered;

17. Being required to take an academic examination on a date that has been fixed after your coverage was purchased, and the examination date falls within your Trip dates;

18. Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of destination after the effective date of your coverage. The vaccination or inoculation must be unannounced and unpublished to the public at the time your coverage is purchased;

19. Receiving official notification of an organ match available for immediate transplant, provided the transplant is considered medically necessary, the notification is received while coverage is in effect, and in the written opinion of the Physician the transplant surgery and/or recovery is so disabling as to prevent you from taking the Trip;

20. Receiving a court-issued notice to attend an Adoption Proceeding, provided you are not attending as a condition of your employment and provided the person being adopted is not you, your Traveling Companion or your Family Member. The date of the scheduled Adoption Proceeding must be announced while your coverage is in effect and must be during your Trip dates;

21. Receiving notice that your Adoption Proceeding or adoption arrangements have been cancelled or terminated, provided your Trip was for the purpose of executing the adoption and provided the Adoption Proceeding or adoption arrangement was confirmed prior to your effective date.

Limitations

Benefits payable for additional transportation expenses will not exceed the cost of airfare (the same class airfare on which you were originally booked) by the most direct route, less any refunds paid or payable.

This coverage is subject to the General Exclusions.

TRIP INTERRUPTION BENEFIT

If your arrival on your Trip is delayed beyond your Scheduled Departure Date, or if you are unable to continue the Trip due to one of the unforeseeable Covered Events listed below that occur during your Trip dates to you or your Traveling Companion, we will reimburse you for the unused, non-refundable land or water arrangements prepaid to the Travel Supplier prior to departing on your Trip, less any refunds paid or payable, plus one of the following:

a) Additional transportation expenses incurred to reach your scheduled destination if your departure is delayed and you leave after the Scheduled Departure Date and time; or

b) Additional transportation expenses incurred for you to reach the final return destination of your Trip; or

c) Additional transportation expenses incurred to rejoin the Trip in progress from the point where you interrupted your Trip.

We will also provide reimbursement for unused air arrangements, less any refunds paid or payable, provided that these are not flights scheduled to travel to your Trip destination or flights scheduled to your origin of departure on your Trip, and provided that these are not flights within 24 hours of your Scheduled Departure Date or Scheduled Return Date.

Covered Events:

1. The Sickness, Injury or death of you, your Family Member, your Traveling Companion or your Service Animal. The Sickness or Injury must first commence while your coverage is in effect under the Policy, must require the in-person treatment by a Physician, and must be so disabling in the written opinion of a Physician as to prevent you from taking your Trip (either because your condition prevents your travel, or because your Family Member, Traveling Companion or your Service Animal requires your care);

2. Common Carrier delays and/or cancellations resulting from adverse weather, mechanical breakdown of the aircraft, ship, boat or motor coach that you were scheduled to travel on, or organized labor strikes that affect public transportation;

3. Common Carrier delays and/or cancellations resulting from Financial Insolvency, provided you purchased this coverage prior to or within 24 hours of your final Payment for your Trip;

4. Being directly involved in a documented traffic accident while en route to departure on your Trip;

5. Being hijacked or Quarantined;

6. Being required to serve on a jury, or required by a court order to appear as a witness in a legal action provided you, a Family Member or a Traveling Companion is not a party to the legal action or appearing as a law enforcement officer;

7. Your Home made Uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;

8. Your Accommodations at your destination made Uninhabitable due to fire, flood, volcano, earthquake, hurricane or other natural disaster. We will only pay benefits for losses occurring within 30 calendar days after the event renders the destination Uninhabitable. For the purpose of this coverage, Uninhabitable means: i) the building itself is unstable and there is a risk of collapse in whole or in part; ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail or flood; or iii) immediate safety hazards have yet to be cleared, such as debris on roofs or downed electrical lines. In order to cancel your trip, you must have 4 days or 50% of your total Trip length or less remaining at the time the destination is restored for use. Benefits are not payable if the event occurs or if a hurricane is named prior to or on your Trip Cancellation Coverage Effective Date;

9. A documented theft of your passports or visas;

10. A mandatory evacuation (or public official evacuation advisement in geographic areas where no mandatory evacuation orders are issued by government authorities) at your destination due to adverse weather or natural disasters. We will only pay benefits for losses occurring within 30 calendar days after the evacuation order is issued. In order to cancel your Trip, you must have 4 days or 50% of your total Trip length or less remaining at the time the mandatory evacuation ends;

11. Being called into active military service to provide aid or relief in the event of a natural disaster;

12. Your previously granted military leave being revoked. The leave must be approved prior to your coverage becoming effective, and official written revocation notice from your commanding officer will be required;

13. Your involuntary termination of employment or layoff (or the involuntary termination or layoff of your parent or guardian if you are a minor traveling alone), after continuous employment with the same employer for 1 year or more, provided the termination or layoff occurs 14 days or more after your coverage has taken effect. This benefit is not available to temporary employees, independent contractors, or self-employed persons;

14. A Terrorist Act which occurs in your Scheduled Trip Departure City or in a city to which you are scheduled to travel while on your Trip, and which occurs within 30 days of your Scheduled Departure Date, provided the city has not experienced a Terrorist Act in the past 30 days prior to the effective date of your coverage;

15. Your Host being unable to provide Accommodations due to a life-threatening Sickness or Injury, or due to death. Official documentation of the event will be required;

16. The school where you attend must extend its operating session beyond its predefined school year due to unforeseeable events commencing during the coverage effective period. The school year extension dates must fall in your Trip dates in order for this coverage to be available. Extensions due to extra- curricular or athletic events are not covered;

17. Being required to take an academic examination on a date that has been fixed after your coverage was purchased, and the examination date falls within your Trip dates;

18. Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of destination after the effective date of your coverage. The vaccination or inoculation must be unannounced and unpublished to the public at the time your coverage is purchased;

19. Receiving official notification of an organ match available for immediate transplant, provided the transplant is considered medically necessary, the notification is received while coverage is in effect, and in the written opinion of the Physician the transplant surgery and/or recovery is so disabling as to prevent you from taking the Trip;

20. Receiving a court-issued notice to attend an Adoption Proceeding, provided you are not attending as a condition of your employment and provided the person being adopted is not you, your Traveling Companion or your Family Member. The date of the scheduled Adoption Proceeding must be announced while your coverage is in effect and must be during your Trip dates;

21. Receiving notice that your Adoption Proceeding or adoption arrangements have been cancelled or terminated, provided your Trip was for the purpose of executing the adoption and provided the Adoption Proceeding or adoption arrangement was confirmed prior to your effective date.

Limitations
Benefits payable for additional transportation expenses will not exceed the cost of airfare (the same class airfare on which you were originally booked) by the most direct route, less any refunds paid or payable.
This coverage is subject to the General Exclusions.

Post Departure Trip Interruption

a. Transportation Benefit- Deductible is not applicable. Maximum benefit of $1,000 per Trip Period
b. Lodging & Incidentals Benefit- Deductible is not applicable. Maximum Benefit up to $500 per Trip Period and limited to $50 per day for a Maximum of 10 calendar days

Post Departure Trip Interruption coverage provides a benefit up to the maximum amount shown on the Benefit Overview Matrix or Your Letter of Confirmation, if your trip is interrupted or must be discontinued for any of the following reasons:

• If, due to a covered Illness or Injury, which is so disabling as to cause a reasonable person to delay, cancel, or interrupt their Trip, We will pay for additional transportation expenses needed to reach the scheduled termination point of Your Trip or to travel from the place Your Trip was interrupted to the place where You can rejoin Your Trip. In the event You cannot continue your trip, We will pay for Your and Your Traveling Companion’s return home from Your current location outside of the United States.

• If You are diagnosed with or receive a positive test for an infectious disease that delays Your return to Your home destination due to restrictions placed on travel due to a possible exposure or Quarantine, and as a result, are unable to use Your previously booked return travel to Your home location, We will pay for Your return home from Your current location outside of the United States.

• If You are the victim of a Felonious Assault during Your Period of Coverage and You no longer can complete Your trip or program, We will pay for You to return home from Your current location outside of the United States.

• If, due to an Act of Terrorism or an imminent threat to personal safety, which is documented by a U.S. State Department Travel Warning, or a pandemic disease warning, which is documented by the U.S. State Department or the Center for Disease Control, We will pay for additional transportation expenses needed to reach the scheduled termination point of Your Trip or to travel from the place Your Trip was interrupted to the place where You can rejoin Your Trip. In the event You cannot continue Your trip, We will pay for Your return home from Your current location outside of the United States.

For all instances named above, We will pay up to the amount shown on the Benefit Overview Matrix for the cost of a one-way economy class air fare ticket for You and Your Travel Companion to reach your destination. Amounts paid will not exceed the Maximum Benefit as stated in the Benefit Overview Matrix or the cost of economy airfare by the most direct route on the next available carrier, less any refunds or credits paid to You for unused tickets.

• If You must Quarantine while covered under this Certificate because You are diagnosed with or receive a positive test for an infectious disease, coverage for the reasonable expenses of lodging and meals necessarily incurred as a result of a Quarantine, will be covered up to the amount shown on the Schedule of Benefits under the Post Departure Trip Interruption/Lodging & Incidentals Benefit.

Alcohol and Tobacco products are not reimbursable expenses.

For the purposes of this benefit, Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of an infectious disease. An embargo preventing You from entering a country is not a Quarantine.

Post Departure Trip Interruption benefits do not cover loss(es) due to:

1. You or a Traveling Companion: a) making changes to personal plans; b) having a business or contractual obligation; c) being unable to obtain necessary travel documents; or d) being detained or having property confiscated by any Customs authority;

2. Carrier caused delays (including bad weather);

3. Prohibition or regulation by any government; or travel arrangements canceled by the airline, cruise line or tour operator. Please refer to the Benefit Overview Matrix for the maximum coverage amount available under Your plan.

For the purposes of this coverage, the following definitions apply:

Felonious Assault is an act of violence against You requiring medical treatment in a Hospital.

Traveling Companion is a person traveling with You and who shares the same accommodations and itinerary as You.

Post Departure Trip Interruption

a. Transportation Benefit- Deductible is not applicable. Maximum benefit of $1,000 per Trip Period
b. Lodging & Incidentals Benefit- Deductible is not applicable. Maximum Benefit up to $250 per Trip Period and limited to $25 per day for a Maximum of 10 calendar days

Post Departure Trip Interruption coverage provides a benefit up to the maximum amount shown on the Benefit Overview Matrix or Your Letter of Confirmation, if your trip is interrupted or must be discontinued for any of the following reasons:

• If, due to a covered Illness or Injury, which is so disabling as to cause a reasonable person to delay, cancel, or interrupt their Trip, We will pay for additional transportation expenses needed to reach the scheduled termination point of Your Trip or to travel from the place Your Trip was interrupted to the place where You can rejoin Your Trip. In the event You cannot continue your trip, We will pay for Your and Your Traveling Companion’s return home from Your current location outside of the United States.

• If You are diagnosed with or receive a positive test for an infectious disease that delays Your return to Your home destination due to restrictions placed on travel due to a possible exposure or Quarantine, and as a result, are unable to use Your previously booked return travel to Your home location, We will pay for Your return home from Your current location outside of the United States.

• If You are the victim of a Felonious Assault during Your Period of Coverage and You no longer can complete Your trip or program, We will pay for You to return home from Your current location outside of the United States.

• If, due to an Act of Terrorism or an imminent threat to personal safety, which is documented by a U.S. State Department Travel Warning, or a pandemic disease warning, which is documented by the U.S. State Department or the Center for Disease Control, We will pay for additional transportation expenses needed to reach the scheduled termination point of Your Trip or to travel from the place Your Trip was interrupted to the place where You can rejoin Your Trip. In the event You cannot continue Your trip, We will pay for Your return home from Your current location outside of the United States.

For all instances named above, We will pay up to the amount shown on the Benefit Overview Matrix for the cost of a one-way economy class air fare ticket for You and Your Travel Companion to reach your destination. Amounts paid will not exceed the Maximum Benefit as stated in the Benefit Overview Matrix or the cost of economy airfare by the most direct route on the next available carrier, less any refunds or credits paid to You for unused tickets.

• If You must Quarantine while covered under this Certificate because You are diagnosed with or receive a positive test for an infectious disease, coverage for the reasonable expenses of lodging and meals necessarily incurred as a result of a Quarantine, will be covered up to the amount shown on the Schedule of Benefits under the Post Departure Trip Interruption/Lodging & Incidentals Benefit.

Alcohol and Tobacco products are not reimbursable expenses.

For the purposes of this benefit, Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of an infectious disease. An embargo preventing You from entering a country is not a Quarantine.

Post Departure Trip Interruption benefits do not cover loss(es) due to:

1. You or a Traveling Companion: a) making changes to personal plans; b) having a business or contractual obligation; c) being unable to obtain necessary travel documents; or d) being detained or having property confiscated by any Customs authority;

2. Carrier caused delays (including bad weather);

3. Prohibition or regulation by any government; or travel arrangements canceled by the airline, cruise line or tour operator.

Please refer to the Benefit Overview Matrix for the maximum coverage amount available under Your plan.

For the purposes of this coverage, the following definitions apply:

Felonious Assault is an act of violence against You requiring medical treatment in a Hospital.

Traveling Companion is a person traveling with You and who shares the same accommodations and itinerary as You.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date;

2. A Terrorist Incident in a country that is part of the Trip that causes the U.S. Department of State to issue a Level 4 Travel Advisory that You should not travel within that country for a period of time that would include the Trip. This does not include flight connections or other transportation arrangements to reach Your destination.

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:

a) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets.

In no event shall the amount reimbursed exceed the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination during Your trip.

5. After one (1) year of continuous employment at the same company, You are terminated or laid-off during Your Trip, from full time employment by that company through no fault of Your own.

6. You or Your Traveling Companion have a previously approved military leave revoked or experience a military reassignment.

7. You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).

8. The primary or secondary school where You or Your minor child(ren) (under the age of eighteen (18)) attend(s) must extend operating session beyond the pre-defined school year and interferes with Your scheduled Trip dates.

9. Weather that causes complete cessation of services for at least six (6) consecutive hours of the Common Carrier on which You are scheduled to travel and prevents You from reaching Your destination. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this coverage.

10. Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable.

11. If National Oceanic and Atmospheric Administration (NOAA) issues a travel warning that travel should be avoided in/at Your destination during Your Trip. This does not include flight connections or other transportation arrangements to reach Your destination or Home.

12. If the Centers for Disease Control and Prevention (CDC) issues a Level 3 Travel Health Notice that travel should be avoided within Your destination during Your Trip. This does not include flight connections or other transportation arrangements to reach Your destination.

13. An occurrence in a country or region that is part of the Trip that causes the U.S. Department of State to issue a Level 4 Travel Advisory and/or Travel Alert that You should not travel within that country or region for a period of time that would include the Trip. This does not include flight connections or other transportation arrangements to reach Your destination.

14. A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary during Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.

15. You or Your Traveling Companion are a victim of a felonious assault.

16. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

17. You or Your Traveling Companion being directly involved in a traffic Accident while en route to departure (substantiated by a police report provided by You to the Company).

18. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date.

19. Mechanical breakdown of the Common Carrier’s aircraft on which You are scheduled to travel for at least twelve (12) consecutive hours.

20. Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least six (6) consecutive hours.

21. Your arrival on the Trip being delayed due to a Hazard that causes You to lose fifty percent (50%) or more of the scheduled Trip duration.

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:

a) pre-paid unused, non-refundable land or sea expenses to the Travel Suppliers;

b) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets.

In no event will the Company reimburse You for the cash value of Your airline ticket(s) purchased with frequent flier miles.

The Company will pay for Reasonable Expenses incurred by You if Your Traveling Companion must remain Hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You or Your Traveling Companion cannot fly home due to an Accident or a Sickness but do not require Hospitalization.

In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.

SPECIAL CONDITIONS: You must advise the Company or its authorized representative as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Company, its authorized representative and Your Travel Supplier as soon as reasonable possible.

SINGLE OCCUPANCY COVERAGE

The Company will reimburse You for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for pre-paid Travel Arrangements if a person booked to share accommodations with You has his/her Trip delayed, canceled, or interrupted for a covered reason and You do not cancel. This benefit is subject to the same Maximum Benefit indicated above.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date;

2. A Terrorist Incident in a country that is part of the Trip that causes the U.S. Department of State to issue a Level 4 Travel Advisory that You should not travel within that country for a period of time that would include the Trip. This does not include flight connections or other transportation arrangements to reach Your destination.

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:

a) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets.

In no event shall the amount reimbursed exceed the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination during Your trip.

5. After one (1) year of continuous employment at the same company, You are terminated or laid-off during Your Trip, from full time employment by that company through no fault of Your own.

6. You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).

7. You or Your Traveling Companion are a victim of a felonious assault.

8. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

9. You or Your Traveling Companion being directly involved in a traffic Accident while en route to departure (substantiated by a police report provided by You to the Company).

10. Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least twenty-four (24) consecutive hours.

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:

a) pre-paid unused, non-refundable land or sea expenses to the Travel Suppliers;

b) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets.

In no event will the Company reimburse You for the cash value of Your airline ticket(s) purchased with frequent flier miles.

The Company will pay for Reasonable Expenses incurred by You if Your Traveling Companion must remain Hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You or Your Traveling Companion cannot fly home due to an Accident or a Sickness but do not require Hospitalization.

In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.

SPECIAL CONDITIONS: You must advise the Company or its authorized representative as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Company, its authorized representative and Your Travel Supplier as soon as reasonable possible.

SINGLE OCCUPANCY COVERAGE

The Company will reimburse You for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for pre-paid Travel Arrangements if a person booked to share accommodations with You has his/her Trip delayed, canceled, or interrupted for a covered reason and You do not cancel. This benefit is subject to the same Maximum Benefit indicated above.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination during Your trip.

5. After one (1) year of continuous employment at the same company, You are terminated or laid-off during Your Trip, from full time employment by that company through no fault of Your own.

6. You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).

7. Weather that causes complete cessation of services for at least twenty-four (24) consecutive hours of the Common Carrier on which You are scheduled to travel and prevents You from reaching Your destination. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this coverage.

8. Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable.

9. A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary during Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.

10. You or Your Traveling Companion are a victim of a felonious assault.

11. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

12. You or Your Traveling Companion being directly involved in a traffic Accident while en route to departure (substantiated by a police report provided by You to the Company).

13. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date.

14. Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least twenty-four (24) consecutive hours.

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:

a) pre-paid unused, non-refundable land or sea expenses to the Travel Suppliers;
b) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets.

In no event will the Company reimburse You for the cash value of Your airline ticket(s) purchased with frequent flier miles.

The Company will pay for Reasonable Expenses incurred by You if Your Traveling Companion must remain Hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You or Your Traveling Companion cannot fly home due to an Accident or a Sickness but do not require Hospitalization.

In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.

SPECIAL CONDITIONS: You must advise the Company or its authorized representative as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Company, its authorized representative and Your Travel Supplier as soon as reasonable possible.

SINGLE OCCUPANCY COVERAGE

The Company will reimburse You for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for pre-paid Travel Arrangements if a person booked to share accommodations with You has his/her Trip delayed, canceled, or interrupted for a covered reason and You do not cancel. This benefit is subject to the same Maximum Benefit indicated above.

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:

1. Your, a Family Member’s, or a Traveling Companion’s, or a Traveling Companion’s Family Member’s, or a Business Partner’s death, which occurs while You are on Your Trip; or

2. Your, a Family Member’s, or a Traveling Companion’s, or a Traveling Companion’s Family Member’s, or a Business Partner’s Sickness or Injury, that:
a) occurs while You are on Your Trip;
b) is examined and treated by a Physician prior to the time of interruption; and
c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on Your Trip;
Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause You to interrupt Your Trip to assume daily management of the business;

3. Sickness, Injury, death or Hospitalization of Your Child Caregiver, which results in medically imposed restrictions as certified by a Physician at the time of loss preventing You continuing on Your Trip. A Physician must advise the Child Caregiver is unable to provide basic childcare services while You are on Your Trip;

4. You or Your Traveling Companion must interrupt Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect:

Other Covered Events means:

1. You or Your Traveling Companion have Complications of Pregnancy which is verified by medical records and occurs while You or Your Traveling Companion are on Your Trip;

2. a mechanical breakdown/equipment failure of a Common Carrier on which You or Your Traveling Companion are scheduled to travel that causes complete cessation or delay of You or Your Traveling Companion’s travel for at least six (6) consecutive hours;

3. a local government mandated shutdown of an airport or air traffic control system resulting in the complete cessation of services of Your Common Carrier;

4. shutdown of the air traffic control system or an airport due to fire or power outage from which You are scheduled to depart or to make a connection resulting in the complete cessation of services of Your Common Carrier;

5. mandatory evacuation ordered or recommended by local government authorities at Your Scheduled Destination or Return Destination due to a Natural Disaster or hurricane named after the Effective Date of Your Trip Interruption benefits which prevents You from traveling to/arriving at Your Scheduled Destination or Return Destination;

6. an unannounced Strike resulting in complete cessation of travel services for at least six (6) consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel which prevents You from reaching Your Scheduled Destination or Return Destination;

7. You or Your Traveling Companion are directly involved in a traffic accident, while en route to Your Scheduled Destination or Return Destination. The traffic accident must be documented by a police report;

8. Inclement Weather that causes a: delay, or cancellation by a Common Carrier for at least six (6) consecutive hours of a Common Carrier on which You or Your Traveling Companion are scheduled to travel which prevents You from reaching Scheduled Destination or Return Destination;

9. Your or Your Traveling Companion’s Primary Residence or Scheduled Destination Accommodations are made Uninhabitable and remains Uninhabitable during Your Trip or are inaccessible by the mode of transportation as shown on the travel documents or itinerary within thirty (30) days of Your Scheduled Departure Date by a Natural Disaster, vandalism or burglary; Claims are not payable if a hurricane is foreseeable prior Your Effective Date for Trip Interruption. A hurricane is foreseeable on the date it becomes a named storm. This benefit only applies if You purchased this policy within the Time Sensitive Period;

10. Your Scheduled Destination is under a hurricane warning or hurricane watch, as issued by the NOAA Hurricane Center, after Your Scheduled Departure Date;

11. You or Your Traveling Companion are hijacked or Quarantined;

12. You or Your Traveling Companion are subpoenaed, served with a court order, required to serve on a jury, or required to appear as a witness in a legal action, provided You or Your Traveling Companion are not: 1) a party to the legal action; except 2) appearing in a law enforcement capacity;

13. You or Your Traveling Companion or Family Member or Your Host at Scheduled Destination are called to active military duty or emergency service as a firefighter or police officer; either to serve or to provide aid or relief in the event of a Natural Disaster, a Civil Disorder, Terrorist Incident or due to war or an act of war;

14. Your or Your Traveling Companion’s previously granted military leave is revoked or reassigned while You or Your Traveling Companion are on the Trip and You or Your Traveling Companion have to interrupt the Trip. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required. The military leave for the dates of travel must have been approved prior to the Effective Date of Trip Interruption coverage and the leave revoked or reassigned after the Effective Date of Trip Interruption coverage;

15. Your Host at Your Scheduled Destination being unable to provide Accommodations due to a life-threating Sickness or Injury, or due to his/her death. Official documentation of the event must be provided;

16. a Terrorist Incident that occurs during Your Trip
a) in the Scheduled Trip Departure City or in a city listed on the scheduled itinerary of Your Trip; and/or
b) within thirty (30) miles of the Scheduled Trip Departure City or city listed on the scheduled itinerary of Your Trip; and
c) provided You were not offered a substitute itinerary.

Note: if an incident occurs in a city within thirty (30) days prior to Your insurance purchase, all other incidents in that same city are excluded; and losses resulting from interruption due to a potential Terrorist Incident are not covered, even if the interruption is due to the issuance of travel advisories, bulletins or alerts; the Terrorist Incident must be documented in a travel alert or travel warning for levels three (3) and higher issued by the United States Department of State advising Americans to avoid travel to that particular country.

17. Security Breach, Civil Disorder or Riot occurs during Your Trip for at least six (6) consecutive hours, which prevents You from arriving at or continuing onto Your Scheduled Destination as shown on Your itinerary;

18. a theft or loss of passports or travel documents or visas while on Your Trip, specifically required for Your Trip, which is substantiated by a police report;

19. You or Your Traveling Companion have an involuntary transfer of employment within the same organization of twohundred fifty (250) or more miles which requires Your or Your Traveling Companion’s Primary Residence to be relocated and You or Your Traveling Companion have to interrupt the Trip. Provided that You or Your Traveling Companion have been an active employee with the same employer for at least one (1) continuous year. Notification of the transfer must occur while You or Your Traveling Companion are on the Trip and the transfer must occur during the Trip;

20. You or Your Traveling Companion are involuntarily terminated or laid off by Your or Your Traveling Companion’s employer while You are on Your Trip, You or Your Traveling Companion must have been an active employee with the same employer for at least one (1) continuous year;

21. You or Your Traveling Companion are required to work during the Trip. Vacation leave must have been already approved by Your or Your Traveling Companion’s employer and cancellation of vacation leave must occur after the Trip Cancellation Effective Date. You or Your Traveling Companion must provide proof of requirement to work, such as a notarized statement signed by an officer of the employer. In the situation of self-employment, proof of self employment with proof of Your 1099 and a notarized statement confirming that You or Your Traveling Companion are unable to travel due to Your or Your Travel Companion’s job obligations is required;

22. You or Your Traveling Companion are required to work during Your Trip and directly involved in a merger or acquisition. The company that is involved in said event must currently employ You or Your Traveling Companion and the action requires You or Your Traveling Companion to work as a result. You or Your Traveling Companion must be an active, full-time employee and cannot be a company owner or partner;

23. Your or Your Traveling Companion’s place of employment is deemed to be unsuitable for business due to burglary, vandalism or a Natural Disaster and You or Your Traveling Companion are directly involved as a member or as an employee of the disaster recovery team who is responsible for policy and decision making and are required to work as a result;

24. This peril applies if You have purchased the policy within the Time Sensitive Period. Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including Travel Supplier, a Common Carrier, cruise line, tour operator, or other travel entity that cause a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than thirty (30) days following Your Effective Date for Trip Interruption. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your Scheduled Destination;

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

SINGLE SUPPLEMENT

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the additional cost incurred as a result of a change in the per person occupancy rate for prepaid non-refundable Travel Arrangements if a person booked to share Accommodations with You cancels his/her Trip due to any of the covered Unforeseen reasons or Other Covered Events shown in Your Trip Cancellation section(s) and You do not cancel or interrupt Your Trip. Proof of cancellation by a person booked to share Accommodations with You is required. These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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:

1. Your, a Family Member’s, or a Traveling Companion’s, or a Traveling Companion’s Family Member’s, or a Business Partner’s, or a Service Animal’s or Pet’s, death, which occurs while You are on Your Trip; or

2. Your, a Family Member’s, or a Traveling Companion’s, or a Traveling Companion’s Family Member’s, or a Business Partner’s, or a Service Animal’s or Pet’s, Sickness or Injury, that:
a) occurs while You are on Your Trip;
b) is examined and treated by a Physician or Veterinarian prior to the time of interruption; and
c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on Your Trip;

Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause You to interrupt Your Trip to assume daily management of the business;

3. Sickness, Injury, death or Hospitalization of Your Child Caregiver, which results in medically imposed restrictions as certified by a Physician at the time of loss preventing You continuing on Your Trip. A Physician must advise the Child Caregiver is unable to provide basic childcare services while You are on Your Trip;

4. You or Your Traveling Companion must interrupt Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect:

Other Covered Events means:

1. You or Your Traveling Companion have Complications of Pregnancy which is verified by medical records and occurs while You or Your Traveling Companion are on Your Trip;

2. You or Your Traveling Companion must interrupt Your Trip due to a normal pregnancy or childbirth. The date of conception as verified by medical records must occur after Your Effective Date for Trip Cancellation;

3. You or Your Traveling Companion are attending the childbirth of Your Family Member or surrogate mother, provided the conception occurs after Your Effective Date for Trip Cancellation and must be verified by medical records;

4. a mechanical breakdown/equipment failure of a Common Carrier on which You or Your Traveling Companion are scheduled to travel that causes complete cessation or delay of You or Your Traveling Companion’s travel for at least six (6) consecutive hours;

5. a local government mandated shutdown of an airport or air traffic control system resulting in the complete cessation of services of Your Common Carrier;

6. shutdown of the air traffic control system or an airport due to fire or power outage from which You are scheduled to depart or to make a connection resulting in the complete cessation of services of Your Common Carrier;

7. mandatory evacuation ordered or recommended by local government authorities at Your Scheduled Destination or Return Destination due to a Natural Disaster or hurricane named after the Effective Date of Your Trip Interruption benefits which prevents You from traveling to/arriving at Your Scheduled Destination or Return Destination;

8. an unannounced Strike resulting in complete cessation of travel services for at least six (6) consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel which prevents You from reaching Your Scheduled Destination or Return Destination;

9. You or Your Traveling Companion are directly involved in a traffic accident, while en route to Your Scheduled Destination or Return Destination. The traffic accident must be documented by a police report;

10. Inclement Weather that causes a: delay, or cancellation by a Common Carrier for at least six (6) consecutive hours of a Common Carrier on which You or Your Traveling Companion are scheduled to travel which prevents You from reaching Scheduled Destination or Return Destination;

11. Your or Your Traveling Companion’s Primary Residence or Scheduled Destination Accommodations are made Uninhabitable and remains Uninhabitable during Your Trip or are inaccessible by the mode of transportation as shown on the travel documents or itinerary within thirty (30) days of Your Scheduled Departure Date by a Natural Disaster, vandalism or burglary; Claims are not payable if a hurricane is foreseeable prior Your Effective Date for Trip Interruption. A hurricane is foreseeable on the date it becomes a named storm.

12. Your Scheduled Destination is under a hurricane warning or hurricane watch, as issued by the NOAA Hurricane Center, after Your Scheduled Departure Date;

13. a divorce or custody court hearing is scheduled after Your Effective Date of coverage for Trip Interruption that requires Your or Your Traveling Companion’s presence during Your scheduled Trip;

14. You or Your Traveling Companion and/or Your or Your Traveling Companion’s Pet or Service Animal are hijacked or Quarantined;

15. You or Your Traveling Companion are subpoenaed, served with a court order, required to serve on a jury, or required to appear as a witness in a legal action, provided You or Your Traveling Companion are not: 1) a party to the legal action; except 2) appearing in a law enforcement capacity;

16. You or Your Traveling Companion or Family Member or Your Host at Scheduled Destination are called to active military duty or emergency service as a firefighter or police officer; either to serve or to provide aid or relief in the event of a Natural Disaster, a Civil Disorder, Terrorist Incident or due to war or an act of war;

17. Your or Your Traveling Companion’s previously granted military leave is revoked or reassigned while You or Your Traveling Companion are on the Trip and You or Your Traveling Companion have to interrupt the Trip. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required. The military leave for the dates of travel must have been approved prior to the Effective Date of Trip Interruption coverage and the leave revoked or reassigned after the Effective Date of Trip Interruption coverage;

18. Your Host at Your Scheduled Destination being unable to provide Accommodations due to a life-threating Sickness or Injury, or due to his/her death. Official documentation of the event must be provided;

19. a Terrorist Incident that occurs during Your Trip

a) in the Scheduled Trip Departure City or in a city listed on the scheduled itinerary of Your Trip; and/or
b) within thirty (30) miles of the Scheduled Trip Departure City or city listed on the scheduled itinerary of Your Trip;
and
c) provided You were not offered a substitute itinerary.

Note: if an incident occurs in a city within thirty (30) days prior to Your insurance purchase, all other incidents in that same city are excluded; and losses resulting from interruption due to a potential Terrorist Incident are not covered, even if the interruption is due to the issuance of travel advisories, bulletins or alerts; the Terrorist Incident must be documented in a travel alert or travel warning for levels four (4) and higher issued by the United States Department of State advising Americans to avoid travel to that particular country.

20. Security Breach, Civil Disorder or Riot occurs during Your Trip for at least six (6) consecutive hours, which prevents You from arriving at or continuing onto Your Scheduled Destination as shown on Your itinerary;

21. a theft or loss of passports or travel documents or visas while on Your Trip, specifically required for Your Trip, which is substantiated by a police report;

22. A travel alert or travel warning for levels four (4) and higher or evacuation order or travel ban is issued, for cities listed on Your itinerary after Your Effective Date of Your Trip Interruption Coverage, to a Scheduled Destination specifically listed on Your Itinerary. The travel alert/warning, etc. must occur during Your scheduled Trip. For up-to-date information refer to the U.S. State Department website at: https://travel.state.gov/content/travel/en/traveladvisories/traveladvisories.html;

23. You or Your Traveling Companion have an involuntary transfer of employment within the same organization of twohundred fifty (250) or more miles which requires Your or Your Traveling Companion’s Primary Residence to be relocated and You or Your Traveling Companion have to interrupt the Trip. Provided that You or Your Traveling Companion have been an active employee with the same employer for at least one (1) continuous year. Notification of the transfer must occur while You or Your Traveling Companion are on the Trip and the transfer must occur during the Trip;

24. You or Your Traveling Companion are involuntarily terminated or laid off by Your or Your Traveling Companion’s employer while You are on Your Trip, You or Your Traveling Companion must have been an active employee with the same employer for at least one (1) continuous year;

25. You or Your Traveling Companion are required to take an academic examination on a date that has been scheduled after the Effective Date of Trip Cancellation coverage, and the date falls during Your Trip;

26. You or Your Traveling Companion are required to work during the Trip. Vacation leave must have been already approved by Your or Your Traveling Companion’s employer and cancellation of vacation leave must occur after the Trip Cancellation Effective Date. You or Your Traveling Companion must provide proof of requirement to work, such as a notarized statement signed by an officer of the employer. In the situation of self-employment, proof of self-employment with proof of Your 1099 and a notarized statement confirming that You or Your Traveling Companion are unable to travel due to Your or Your Travel Companion’s job obligations is required;

27. You or Your Traveling Companion are required to work during Your Trip and directly involved in a merger or acquisition. The company that is involved in said event must currently employ You or Your Traveling Companion and the action requires You or Your Traveling Companion to work as a result. You or Your Traveling Companion must be an active, full-time employee and cannot be a company owner or partner;

28. Your or Your Traveling Companion’s place of employment is deemed to be unsuitable for business due to burglary, vandalism or a Natural Disaster and You or Your Traveling Companion are directly involved as a member or as an employee of the disaster recovery team who is responsible for policy and decision making and are required to work as a result;

29. You or Your Traveling Companion legally adopt a Child and the date of the placement or adoption occurs during Your Trip;

30. Your or Your Traveling Companion’s Pet or Service Animal is sick, diagnosed with a terminal illness, injured or dies while You or Your Traveling Companion are on the Trip. You or Your Traveling Companion must provide veterinary records documenting the Illness, Injury or death of Your or Your Traveling Companion’s Pet or Service Animal;

31. This peril applies if You have purchased the policy within the Time Sensitive Period. Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including Travel Supplier, a Common Carrier, cruise line, tour operator, or other travel entity that cause a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than thirty (30) days following Your Effective Date for Trip Interruption. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your Scheduled Destination;

32. disruption of Your Trip if Your arrival on the Trip is delayed and causes You to lose fifty percent (50%) or more of the scheduled Trip duration due to the reasons 1-3 covered under the Missed Connection benefit;

33. If You cannot continue on Your Trip due to a covered Injury or Sickness not requiring Hospitalization and You must extend Your Trip due to medically imposed restrictions, as certified by a treating Physician, benefits will be paid for additional hotel nights, meal(s) and local transportation expenses until You are Medically Fit to Travel up to two hundred fifty dollars ($250) per day, limited to ten (10) days.

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

SINGLE SUPPLEMENT

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the additional cost incurred as a result of a change in the per person occupancy rate for prepaid non refundable Travel Arrangements if a person booked to share Accommodations with You cancels his/her Trip due to any of the covered Unforeseen reasons or Other Covered Events shown in Your Trip Cancellation section(s) and You do not cancel or interrupt Your Trip. Proof of cancellation by a person booked to share Accommodations with You is required.

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

AA. RETURN TRAVEL:

Subject to the Terms of this insurance and in the event of the Unexpected death of a Relative of the Insured Person, or in the event the Insured Person’s trip or travel plans must be cancelled or interrupted as a result of a break-in or substantial destruction due to a fire or Natural Disaster of the Insured Person’s principal residence in their Country of Residence, the Company will reimburse the Insured Person’s actual expense up to the amount shown in the BENEFIT SUMMARY for the costs of a one-way commercial airline or ground transportation ticket of the same class as the unused travel ticket to transport the Insured Person from the International airport nearest to where the Insured Person was located at the time of learning of such death or destruction to the International airport nearest to (1) the location of the Relative’s funeral or place of burial, or (2) the Insured Person’s destroyed principal residence; subject to the following conditions and limitations:

(1) the Insured Person must be outside of their Country of Residence at the time of the Unexpected death of the Relative or the substantial destruction of the principal residence

(2) the Unexpected death of the Relative or the substantial destruction of the residence must have occurred during the Period of Coverage and was not caused by, due to, or a result of negligence or willful misconduct by the Insured Person

(3) the Company will deduct from any Return Travel benefits payable hereunder the value of any unused, return tickets held by the Insured Person at the time of the event. The Insured Person must promptly undertake all necessary actions to apply for and receive credit for any unused tickets.

The Company will not provide any benefits, reimbursements or coverages for any of the costs or expenses incurred by the Insured Person for a return trip, if any, to the location of the Insured Person at the time of learning of such death or destruction.

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:

1. Your, a Family Member’s, or a Traveling Companion’s, or a Traveling Companion’s Family Member’s, or a Business Partner’s, or a Service Animal’s or Pet’s, death, which occurs while You are on Your Trip; or
2. Your, a Family Member’s, or a Traveling Companion’s, or a Traveling Companion’s Family Member’s, or a Business Partner’s, or a Service Animal’s or Pet’s, Sickness or Injury, that:
a) occurs while You are on Your Trip;
b) is examined and treated by a Physician or Veterinarian prior to the time of interruption; and
c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on Your Trip;
Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause You to interrupt Your Trip to assume daily management of the business;

3. Sickness, Injury, death or Hospitalization of the guide/outfitter assigned for Your Trip applies if the guide/outfitter is the only one available to lead Your Trip at the time of loss preventing You continuing on Your Trip. A Physician must certify Sickness or Injury;

4. Sickness, Injury, death or Hospitalization of Your Child Caregiver, which results in medically imposed restrictions as certified by a Physician at the time of loss preventing You continuing on Your Trip. A Physician must advise the Child Caregiver is unable to provide basic childcare services while You are on Your Trip;

5. You or Your Traveling Companion must interrupt Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect:

Other Covered Events means:

1. You or Your Traveling Companion have Complications of Pregnancy which is verified by medical records and occurs while You or Your Traveling Companion are on Your Trip;

2. You or Your Traveling Companion must interrupt Your Trip due to a normal pregnancy or childbirth. The date of conception as verified by medical records must occur after Your Effective Date for Trip Cancellation;

3. You or Your Traveling Companion are attending the childbirth of Your Family Member or surrogate mother, provided the conception occurs after Your Effective Date for Trip Cancellation and must be verified by medical records;

4. a mechanical breakdown/equipment failure of a Common Carrier on which You or Your Traveling Companion are scheduled to travel that causes complete cessation or delay of You or Your Traveling Companion’s travel for at least six (6) consecutive hours;

5. a local government mandated shutdown of an airport or air traffic control system resulting in the complete cessation of services of Your Common Carrier;

6. shutdown of the air traffic control system or an airport due to fire or power outage from which You are scheduled to depart or to make a connection resulting in the complete cessation of services of Your Common Carrier;

7. mandatory evacuation ordered or recommended by local government authorities at Your Scheduled Destination or Return Destination due to a Natural Disaster or hurricane named after the Effective Date of Your Trip Interruption benefits which prevents You from traveling to/arriving at Your Scheduled Destination or Return Destination;

8. an unannounced Strike resulting in complete cessation of travel services for at least six (6) consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel which prevents You from reaching Your Scheduled Destination or Return Destination;

9. You or Your Traveling Companion are directly involved in a traffic accident, while en route to Your Scheduled Destination or Return Destination. The traffic accident must be documented by a police report;

10. Inclement Weather that causes a: delay, or cancellation by a Common Carrier for at least six (6) consecutive hours of a Common Carrier on which You or Your Traveling Companion are scheduled to travel which prevents You from reaching Scheduled Destination or Return Destination;

11. Your or Your Traveling Companion’s Primary Residence or Scheduled Destination Accommodations are made Uninhabitable and remains Uninhabitable during Your Trip or are inaccessible by the mode of transportation as shown on the travel documents or itinerary within thirty (30) days of Your Scheduled Departure Date by a Natural Disaster, vandalism or burglary; Claims are not payable if a hurricane is foreseeable prior Your Effective Date for Trip Interruption. A hurricane is foreseeable on the date it becomes a named storm.

12. Your Scheduled Destination is under a hurricane warning or hurricane watch, as issued by the NOAA Hurricane Center, after Your Scheduled Departure Date;

13. a divorce or custody court hearing is scheduled after Your Effective Date of coverage for Trip Interruption that requires Your or Your Traveling Companion’s presence during Your scheduled Trip;

14. You or Your Traveling Companion and/or Your or Your Traveling Companion’s Pet or Service Animal are hijacked or Quarantined;

15. You or Your Traveling Companion are subpoenaed, served with a court order, required to serve on a jury, or required to appear as a witness in a legal action, provided You or Your Traveling Companion are not: 1) a party to the legal action; except 2) appearing in a law enforcement capacity;

16. You or Your Traveling Companion or Family Member or Your Host at Scheduled Destination are called to active military duty or emergency service as a firefighter or police officer; either to serve or to provide aid or relief in the event of a Natural Disaster, a Civil Disorder, Terrorist Incident or due to war or an act of war;

17. Your or Your Traveling Companion’s previously granted military leave is revoked or reassigned while You or Your Traveling Companion are on the Trip and You or Your Traveling Companion have to interrupt the Trip. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required. The military leave for the dates of travel must have been approved prior to the Effective Date of Trip Interruption coverage and the leave revoked or reassigned after the Effective Date of Trip Interruption coverage;

18. Your Host at Your Scheduled Destination being unable to provide Accommodations due to a life-threating Sickness or Injury, or due to his/her death. Official documentation of the event must be provided;

19. a Terrorist Incident that occurs during Your Trip
a) in the Scheduled Trip Departure City or in a city listed on the scheduled itinerary of Your Trip; and/or
b) within thirty (30) miles of the Scheduled Trip Departure City or city listed on the scheduled itinerary of Your Trip;
and
c) provided You were not offered a substitute itinerary.

Note: if an incident occurs in a city within thirty (30) days prior to Your insurance purchase, all other incidents in that same city are excluded; and losses resulting from interruption due to a potential Terrorist Incident are not covered, even if the interruption is due to the issuance of travel advisories, bulletins or alerts; the Terrorist Incident must be documented in a travel alert or travel warning for levels four (4) and higher issued by the United States Department of State advising Americans to avoid travel to that particular country.

20. Security Breach, Civil Disorder or Riot occurs during Your Trip for at least six (6) consecutive hours, which prevents You from arriving at or continuing onto Your Scheduled Destination as shown on Your itinerary;

21. a theft or loss of passports or travel documents or visas while on Your Trip, specifically required for Your Trip, which is substantiated by a police report;

22. A travel alert or travel warning for levels four (4) and higher or evacuation order or travel ban is issued, for cities listed on Your itinerary after Your Effective Date of Your Trip Interruption Coverage, to a Scheduled Destination specifically listed on Your Itinerary. The travel alert/warning, etc. must occur during Your scheduled Trip. For up-to-date information refer to the U.S. State Department website at: https://travel.state.gov/content/travel/en/traveladvisories/traveladvisories.html;

23. You or Your Traveling Companion have an involuntary transfer of employment within the same organization of twohundred fifty (250) or more miles which requires Your or Your Traveling Companion’s Primary Residence to be relocated and You or Your Traveling Companion have to interrupt the Trip. Provided that You or Your Traveling Companion have been an active employee with the same employer for at least one (1) continuous year. Notification of the transfer must occur while You or Your Traveling Companion are on the Trip and the transfer must occur during the Trip;

24. You or Your Traveling Companion are involuntarily terminated or laid off by Your or Your Traveling Companion’s employer while You are on Your Trip, You or Your Traveling Companion must have been an active employee with the same employer for at least one (1) continuous year;

25. You or Your Traveling Companion are required to take an academic examination on a date that has been scheduled after the Effective Date of Trip Cancellation coverage, and the date falls during Your Trip;

26. You or Your Traveling Companion are required to work during the Trip. Vacation leave must have been already approved by Your or Your Traveling Companion’s employer and cancellation of vacation leave must occur after the Trip Cancellation Effective Date. You or Your Traveling Companion must provide proof of requirement to work, such as a notarized statement signed by an officer of the employer. In the situation of self-employment, proof of self-employment with proof of Your 1099 and a notarized statement confirming that You or Your Traveling Companion are unable to travel due to Your or Your Travel Companion’s job obligations is required;

27. You or Your Traveling Companion are required to work during Your Trip and directly involved in a merger or acquisition. The company that is involved in said event must currently employ You or Your Traveling Companion and the action requires You or Your Traveling Companion to work as a result. You or Your Traveling Companion must be an active, full-time employee and cannot be a company owner or partner;

28. Your or Your Traveling Companion’s place of employment is deemed to be unsuitable for business due to burglary, vandalism or a Natural Disaster and You or Your Traveling Companion are directly involved as a member or as an employee of the disaster recovery team who is responsible for policy and decision making and are required to work as a result;

29. cancellation of a scheduled event due to Inclement Weather while You are on Your Trip provided attendance at the event was the primary reason for Your Trip and the duration of Your Trip does not exceed ninety-six (96) hours before or ninety-six (96) hours after such an event;

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;

31. You or Your Traveling Companion legally adopt a Child and the date of the placement or adoption occurs during Your Trip;

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.

33. Your or Your Traveling Companion’s Pet or Service Animal is sick, diagnosed with a terminal illness, injured or dies while You or Your Traveling Companion are on the Trip. You or Your Traveling Companion must provide veterinary records documenting the Illness, Injury or death of Your or Your Traveling Companion’s Pet or Service Animal;

34. Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including Travel Supplier, a Common Carrier, cruise line, tour operator, or other travel entity that cause a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than thirty (30) days following Your Effective Date for Trip Interruption. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your Scheduled Destination;

35. disruption of Your Trip if Your arrival on the Trip is delayed and causes You to lose fifty percent (50%) or more of the scheduled Trip duration due to the reasons 1-3 covered under the Missed Connection benefit;

36. If You cannot continue on Your Trip due to a covered Injury or Sickness not requiring Hospitalization and You must extend Your Trip due to medically imposed restrictions, as certified by a treating Physician, benefits will be paid for additional hotel nights, meal(s) and local transportation expenses until You are Medically Fit to Travel up to two hundred fifty dollars ($250) per day, limited to ten (10) days. These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

SINGLE SUPPLEMENT

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the additional cost incurred as a result of a change in the per person occupancy rate for prepaid non-refundable Travel Arrangements if a person booked to share Accommodations with You cancels his/her Trip due to any of the covered Unforeseen reasons or Other Covered Events shown in Your Trip Cancellation section(s) and You do not cancel or interrupt Your Trip. Proof of cancellation by a person booked to share Accommodations with You is required. These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

TRIP INTERRUPTION

If You must start Your Trip later than scheduled or are unable to complete Your Trip due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the following:

1. unused, prepaid, nonrefundable Payments or Deposits You paid for Your Travel Arrangements insured under this Policy;

2. plus one of the following transportation expenses:

a) the Additional Transportation Cost to reach Your scheduled destination if Your departure is delayed and You leave on Your Trip after Your Scheduled Departure Date and time; or

b) the Additional Transportation Cost for You to reach the final return destination of Your Trip; or

c) the Additional Transportation Cost for You to rejoin Your Trip in progress from the point where You interrupted Your Trip.

In no event shall the amount reimbursed for this benefit exceed the lesser of the prepaid Payments or Deposits made for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

Trip Interruption must be due to one of the following Unforeseen reasons that occurs while this coverage is in effect for You:

1. Your, a Family Member’s, or a Traveling Companion’s death that occurs after departure on Your Trip;

2. Your, a Family Member’s, or a Traveling Companion’s covered Sickness or Injury that: a) occurs while this coverage is in effect; b) requires the in-person Medical Treatment by a Physician at the time of interruption; and c) as certified by a Physician prior to interruption, results in medical restrictions so disabling as to prevent Your continued participation on the Trip;

3. the following other Unforeseen reasons which occur to You or Your Traveling Companion provided such circumstances occur while this coverage is in effect:

a) Complications of Pregnancy, as verified by medical records, provided the pregnancy begins after Your Effective Date of Your Policy;

b) the death or hospitalization of Your Host at Your Destination with whom You and/or Your Traveling Companion are staying with during Your Trip;

c) Strike that causes complete cessation of services for at least twelve (12) consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel preventing You or Your Traveling Companion from reaching Your destination;

d) Inclement Weather that causes complete cessation of services for at least twelve (12) consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel preventing You or Your Traveling Companion from reaching Your destination;

e) mechanical breakdown of the Common Carrier on which You or Your Traveling Companion are scheduled to travel that causes a cancellation or delay of Your or Your Traveling Companion’s flight for at least twelve (12) consecutive hours preventing You or Your Traveling Companion from reaching Your destination;

f) a government-mandated shutdown of an airport, air traffic control system, cruise port or train station during the Trip for at least twelve (12) consecutive hours due to a Natural Disaster or a Terrorist Incident that affects Your or Your Traveling Companion’s ability to continue travelling on the Trip. Benefits are not available if alternate arrangements or a substitute route is available;

g) Bankruptcy or Default of the airline, cruise line, tour operator or other travel provider The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur while on Your Trip and more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period;

h) You or Your Traveling Companion being called into emergency service to provide aid or relief for a Natural Disaster or a Terrorist Incident as part of military, police or fire personnel duties;

i) Your or Your Traveling Companion’s Home is made Uninhabitable by fire, flood, other Natural Disaster, vandalism, or burglary;

j) Trip destination accommodations are made Uninhabitable by a Natural Disaster occurring during Your Trip for the greater of: 1) four (4) days; or 2) fifty percent (50%) of Your scheduled Trip duration. We will only pay benefits for this coverage for losses occurring within fifteen (15) days of the event making Your destination accommodations Uninhabitable. Benefits are available only if Your Policy was purchased thirty (30) days or more prior to the event that caused the destination to be Uninhabitable. This coverage applies only if Your Policy was purchased within the Time Sensitive Period. No benefits are payable if a storm which triggers a weather warning was named and documented in the media prior to this coverage being in effect;

k) mandatory evacuation ordered by local government authorities, or public evacuation notices, recommendations or advertisements in geographic areas where government authorities will not under any circumstance issue a mandatory evacuation order to its residents, at Your Trip destination due to a Natural Disaster or Inclement Weather. You must have four (4) days or fifty percent (50%) or less of Your Trip length remaining at the time the mandatory evacuation ends to interrupt Your Trip. This coverage applies only if Your Policy was purchased within the Time Sensitive Period;

l) Your or Your Traveling Companion’s Trip departure city or destination city is issued a hurricane warning by the NOAA National Hurricane Center. Coverage for this reason is only available fourteen (14) days or more following the Policy purchase date;

m) the U.S. State Department issues a Level four (4) Travel Advisory for the Trip destination while on Your Trip. This does not include flight connections or other transportation arrangements to reach Your destination;

n) being hijacked, Quarantined, required to serve on a jury during the Trip dates, or served with a court order to appear as a witness in legal action during the Trip in which You or Your Traveling Companion is not a party (except law enforcement officers). Notice must be received while on Your Trip;

o) a documented theft of passports, visas or travel documents that are unable to be reissued by local agents (must be substantiated by a police report);

p) a Terrorist Incident that occurs in a city listed on the Trip’s itinerary. In order for benefits to be payable, there must not have been a Terrorist Incident in the city in the sixty (60) days prior to Your purchase of the Policy. No benefits are payable for Terrorist Incidents that occur in a layover city and/or a city on the Trip itinerary that shows a scheduled visit of six (6) hours or less. Benefits are not available if the Travel Supplier offers a substitute route/ itinerary. This coverage applies only if Your Policy was purchased within the Time Sensitive Period;

q) a transfer of employment of two hundred fifty (250) miles or more that requires the relocation of Your or Your Traveling Companion’s Home. Notification of the transfer must be issued during the Trip. Employment must have been with the same employer for at least one (1) continuous year, including the date this Policy was purchased;

r) revocation of previously granted military leave. Official written notice by a supervisor or commanding officer of the original approval and the revocation must be provided;

Time Sensitive Period means:

For initial Policy purchase: within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received.

For subsequent arrangements: within twenty-one (21) days of payment for any subsequent pre-paid, nonrefundable arrangements added to Your Trip.

BB. RETURN TRAVEL:

Subject to the Terms of this insurance and in the event of the Unexpected death of a Relative of the Insured Person, or in the event the Insured Person’s trip or travel plans must be cancelled or interrupted as a result of a break-in or substantial destruction due to a fire or Natural Disaster of the Insured Person’s principal residence in their Country of Residence, the Company will reimburse the Insured Person’s actual expense up to the amount shown in the BENEFIT SUMMARY for the costs of a one-way commercial airline or ground transportation ticket of the same class as the unused travel ticket to transport the Insured Person from the International airport nearest to where the Insured Person was located at the time of learning of such death or destruction to the International airport nearest to (1) the location of the Relative’s funeral or place of burial, or (2) the Insured Person’s destroyed principal residence; subject to the following conditions and limitations:

(1) the Insured Person must be outside of their Country of Residence at the time of the Unexpected death of the Relative or the substantial destruction of the principal residence

(2) the Unexpected death of the Relative or the substantial destruction of the residence must have occurred during the Period of Coverage and was not caused by, due to, or a result of negligence or willful misconduct by the Insured Person

(3) the Company will deduct from any Return Travel benefits payable hereunder the value of any unused, return tickets held by the Insured Person at the time of the event. The Insured Person must promptly undertake all necessary actions to apply for and receive credit for any unused tickets.

The Company will not provide any benefits, reimbursements or coverages for any of the costs or expenses incurred by the Insured Person for a return trip, if any, to the location of the Insured Person at the time of learning of such death or destruction.

Z. RETURN TRAVEL:

Subject to the Terms of this insurance and in the event of the Unexpected death of a Relative of the Insured Person, or in the event the Insured Person’s trip or travel plans must be cancelled or interrupted as a result of a break-in or substantial destruction due to a fire or Natural Disaster of the Insured Person’s principal residence in their Country of Residence, the Company will reimburse the Insured Person’s actual expense up to the amount shown in the BENEFIT SUMMARY for the costs of a one-way commercial airline or ground transportation ticket of the same class as the unused travel ticket to transport the Insured Person from the International airport nearest to where the Insured Person was located at the time of learning of such death or destruction to the International airport nearest to (1) the location of the Relative’s funeral or place of burial, or (2) the Insured Person’s destroyed principal residence; subject to the following conditions and limitations:

(1) the Insured Person must be outside of their Country of Residence at the time of the Unexpected death of the Relative or the substantial destruction of the principal residence

(2) the Unexpected death of the Relative or the substantial destruction of the residence must have occurred during the Period of Coverage and was not caused by, due to, or a result of negligence or willful misconduct by the Insured Person

(3) the Company will deduct from any Return Travel benefits payable hereunder the value of any unused, return tickets held by the Insured Person at the time of the event. The Insured Person must promptly undertake all necessary actions to apply for and receive credit for any unused tickets.

The Company will not provide any benefits, reimbursements or coverages for any of the costs or expenses incurred by the Insured Person for a return trip, if any, to the location of the Insured Person at the time of learning of such death or destruction.

CC. RETURN TRAVEL:

Subject to the Terms of this insurance and in the event of the Unexpected death of a Relative of the Insured Person, or in the event the Insured Person’s trip or travel plans must be cancelled or interrupted as a result of a break-in or substantial destruction due to a fire or Natural Disaster of the Insured Person’s principal residence in their Country of Residence, the Company will reimburse the Insured Person’s actual expense up to the amount shown in the BENEFIT SUMMARY for the costs of a one-way commercial airline or ground transportation ticket of the same class as the unused travel ticket to transport the Insured Person from the International airport nearest to where the Insured Person was located at the time of learning of such death or destruction to the International airport nearest to (1) the location of the Relative’s funeral or place of burial, or (2) the Insured Person’s destroyed principal residence; subject to the following conditions and limitations:

(1) the Insured Person must be outside of their Country of Residence at the time of the Unexpected death of the Relative or the substantial destruction of the principal residence

(2) the Unexpected death of the Relative or the substantial destruction of the residence must have occurred during the Period of Coverage and was not caused by, due to, or a result of negligence or willful misconduct by the Insured Person

(3) the Company will deduct from any Return Travel benefits payable hereunder the value of any unused, return tickets held by the Insured Person at the time of the event. The Insured Person must promptly undertake all necessary actions to apply
for and receive credit for any unused tickets.

The Company will not provide any benefits, reimbursements or coverages for any of the costs or expenses incurred by the Insured Person for a return trip, if any, to the location of the Insured Person at the time of learning of such death or
destruction.

DD. RETURN TRAVEL:

Subject to the Terms of this insurance and in the event of the Unexpected death of a Relative of the Insured Person, or in the event the Insured Person’s trip or travel plans must be cancelled or interrupted as a result of a break-in or substantial destruction due to a fire or Natural Disaster of the Insured Person’s principal residence in their Country of Residence, the Company will reimburse the Insured Person’s actual expense up to the amount shown in the BENEFIT SUMMARY for the costs of a one-way commercial airline or ground transportation ticket of the same class as the unused travel ticket to transport the Insured Person from the International airport nearest to where the Insured Person was located at the time of learning of such death or destruction to the International airport nearest to (1) the location of the Relative’s funeral or place of burial, or (2) the Insured Person’s destroyed principal residence; subject to the following conditions and limitations:

(1) the Insured Person must be outside of their Country of Residence at the time of the Unexpected death of the Relative or the substantial destruction of the principal residence

(2) the Unexpected death of the Relative or the substantial destruction of the residence must have occurred during the Period of Coverage and was not caused by, due to, or a result of negligence or willful misconduct by the Insured Person

(3) the Company will deduct from any Return Travel benefits payable hereunder the value of any unused, return tickets held by the Insured Person at the time of the event. The Insured Person must promptly undertake all necessary actions to apply for and receive credit for any unused tickets.

The Company will not provide any benefits, reimbursements or coverages for any of the costs or expenses incurred by the Insured Person for a return trip, if any, to the location of the Insured Person at the time of learning of such death or destruction.

TRIP INTERRUPTION

If You must start Your Trip later than scheduled or are unable to complete Your Trip due to one of the covered Unforeseen reasons listed below, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the following:

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

2. plus one of the following transportation expenses:

a) the Additional Transportation Cost to reach Your scheduled destination if Your departure is delayed and You leave on Your Trip after Your Scheduled Departure Date and time;
b) the Additional Transportation Cost for You to reach the final return destination of Your Trip; or
c) the Additional Transportation Cost for You to rejoin Your Trip in progress from the point where You interrupted Your Trip.

We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the additional single supplement cost You pay as the result of a change in the per person occupancy rate for Your Travel Arrangements if Your Traveling Companion’s Trip is interrupted for one of the covered Unforeseen reasons listed below and You do not interrupt Your Trip. In no event shall the amount reimbursed for this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

Trip Interruption must be due to one of the following Unforeseen reasons that occurs while this coverage is in effect for You:

1. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, a Business Partner’s Family Member or Service Animal’s death that occurs after departure on Your Trip;

2. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, a Business Partner’s Family Member or a Service Animal’s covered Sickness or Injury that: a) occurs while this coverage is in effect; b) requires the in person Medical Treatment by a Physician at the time of interruption; and c) as certified by a Physician prior to interruption, results in medical restrictions so disabling as to prevent Your continued participation on the Trip. The Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause You to assume daily management of the business;

3. the following other Unforeseen reasons which occur to You or Your Traveling Companion provided such circumstances occur while this coverage is in effect:

a) Complications of Pregnancy, as verified by medical records, provided the pregnancy begins after Your Effective Date of Your Policy;

b) the death or hospitalization of Your Host at Your Destination with whom You and/or Your Traveling Companion are staying with during Your Trip;

c) Strike that causes complete cessation of services for at least six (6) consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel preventing You or Your Traveling Companion from reaching Your destination;

d) Inclement Weather that causes complete cessation of services for at least six (6) consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel preventing You or Your Traveling Companion from reaching Your destination;

e) mechanical breakdown of the Common Carrier on which You or Your Traveling Companion are scheduled to travel that causes a cancellation or delay of Your or Your Traveling Companion’s flight for at least six (6) consecutive hours preventing You or Your Traveling Companion from reaching Your destination;

f) Bankruptcy or Default of the airline, cruise line, tour operator or other travel provider (other than the organization(s) or firm(s) from whom You or Your Traveling Companion purchased Travel Arrangements supplied by others). The Bankruptcy or Default must cause a complete cessation of travel services. The Bankruptcy or Default must occur while on Your Trip and more than fourteen (14) days following Your purchase of the Policy. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow transfer to another airline in order to get to the intended destination. This coverage applies only if Your Policy was purchased within the Time Sensitive Period;

g) being directly involved in a traffic accident while en route to the scheduled Trip point of departure (must be substantiated by a police report);

h) You, Your Traveling Companion or Your Host at Your Destination being called into emergency service to provide aid or relief for a Natural Disaster or Terrorist Incident as part of military, police or fire personnel duties;

i) Your or Your Traveling Companion’s Home is made Uninhabitable by fire, flood, other Natural Disaster, vandalism, or burglary;

j) Trip destination accommodations are made Uninhabitable by a hurricane named during Your Trip for the greater of: 1) two (2) days; or 2) twenty-five percent (25%) of Your scheduled Trip duration. This coverage applies only if Your Policy was purchased within the Time Sensitive Period. No benefits are payable if the storm which triggers a hurricane warning was named prior to this coverage being in effect;

k) Trip destination accommodations are made Uninhabitable by a Natural Disaster occurring during Your Trip for the greater of: 1) two (2) days; or 2) twenty-five (25%) of Your scheduled Trip duration. This coverage applies only if Your Policy was purchased within the Time Sensitive Period;

l) mandatory evacuation ordered by local government authorities at Your Trip destination due to a Natural Disaster or Inclement Weather;

m) Your or Your Traveling Companion’s Trip departure city or destination city is issued a hurricane warning by the NOAA National Hurricane Center. Coverage for this reason is only available fourteen (14) days or more following the Policy purchase date;

n) the U.S. Department of State issues a Level four (4) Travel Advisory and/or Travel Alert for the Trip destination during Your Trip;

o) being hijacked, Quarantined, required to serve on a jury during the Trip dates, or served with a court order to appear as a witness in legal action during the Trip in which You or Your Traveling Companion is not a party (except law enforcement officers). Notice must be received while on Your Trip;

p) a documented theft of passports, visas or travel documents that are unable to be reissued by local agents (must be substantiated by a police report);

q) a Terrorist Incident that occurs in a city listed on the Trip’s itinerary. In order for benefits to be payable, there must not have been a Terrorist Incident in the city in the thirty (30) days prior to Your purchase of the Policy. Benefits are not available if the Travel Supplier offers a substitute route/itinerary;

r) involuntary employment termination or layoff. Notification of the termination or layoff must occur during the Trip. Employment must have been with the same employer for at least one (1) continuous year, including the date this Policy was purchased;

s) revocation of previously granted military leave. Official written notice by a supervisor or commanding officer of the original approval and the revocation must be provided;

TRIP INTERRUPTION

The Following are the Unforeseen Events for Trip Cancellation and Trip Interruption:

(a) Your Accidental Injury, Covered Sickness or death or the Accidental Injury, Covered Sickness or death of Your Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; that results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

(b) An Accidental Injury incurred by You that causes You to be medically unable to continue Your trip’s activity(ies). An actual examination by a Physician must take place and the Physician must advise You to discontinue the trip’s activity(ies).

© Inclement weather, Natural Disasters, Terrorist Attacks or mechanical breakdown of the Common Carrier that results in the complete cessation of travel services at the point of departure or destination for at least 48 consecutive hours.

(d) Mandatory evacuation ordered by local authorities at Your destination due to a Natural Disaster. You must have 50% or less of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.

(e) Natural Disaster or documented man-made disaster at the point of departure or Your destination that renders Your primary residence or the accommodations at Your destination uninhabitable.

(f) Adverse weather or Natural Disaster resulting in the obstruction of public roadways or curtailment of public transportation, that prevents Your ability to arrive at Your Land/Sea Arrangements.

(g) A road closure causing a delay in reaching Your destination for at least 12 hours.

(h) Strike that causes complete cessation of travel services of Your Common Carrier for at least 48 consecutive hours.

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

(j) The airport terminal from which You are scheduled to fly, is closed due to a documented security breach within 12 hours of arrival at the terminal or while You are physically at the terminal.

(k) A politically motivated Terrorist Attack that occurs within 30 days of Your departure and within 50 miles of a City listed on Your itinerary. The Terrorist Attack must occur on or after the Effective Date of Your Trip Cancellation Coverage.

(l) A documented theft of passports or visas. Documented means that You have reported the theft to the local authorities.

(m) You or Your Traveling Companion being directly involved in or delayed due to a traffic Accident substantiated by a police report, while en route to departure.

(n) You and/or Your Traveling Companion are hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer; the victim of felonious assault; having Your principal place of residence made inaccessible and uninhabitable by a Natural Disaster; or burglary or vandalism of Your principal place of residence within 10 days of departure.

(o) You or Your Traveling Companion are called to active military duty after the Effective Date.

(p) You have, or Your Traveling Companion has, a previously approved military leave revoked or experience a military reassignment.

(q) Your transfer, within thirty (30) days of the date of Your Covered Trip, by the employer with which You are employed on the Effective Date that requires relocation of Your principal residence.

® Your Traveling Companion’s transfer, within thirty (30) days of the date of Your Covered Trip, by the employer with which Your Traveling Companion is employed on the Effective Date that requires relocation of Your Traveling Companion’s principal residence.

(s) After at least three (3) years of full time continuous employment at the same company, You are terminated or laid-off from full time employment at such company within thirty (30) days of the date of Your Covered Trip

(t) After at least three (3) years of full time continuous employment at the same company, Your Traveling Companion isterminated or laid-off from full time employment at such company within thirty (30) days of the date of Your Covered Trip

TRIP INTERRUPTION

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

We will pay You:

a) for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s);

b) additional transportation expenses incurred by You; or

c) return air travel up to the lesser of the cost of an economy flight or the amount shown on the Schedule of Benefits.

In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

The Following are the Unforeseen Events for Trip Cancellation and Trip Interruption:

a) Your Accidental Injury, Covered Sickness or death or the Accidental Injury, Covered Sickness or death of Your Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; that results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) An Accidental Injury incurred by You that causes You to be medically unable to continue Your trip’s activity(ies). An actual examination by a Physician must take place and the Physician must advise You to discontinue the trip’s activity(ies).

c) Inclement weather, Natural Disasters, Terrorist Attacks or mechanical breakdown of the Common Carrier that results in the complete cessation of travel services at the point of departure or destination for at least 48 consecutive hours.

d) Mandatory evacuation ordered by local authorities at Your destination due to a Natural Disaster. You must have 50% or less of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.

e) Natural Disaster or documented man-made disaster at the point of departure or Your destination that renders Your primary residence or the accommodations at Your destination uninhabitable.

f) Adverse weather or Natural Disaster resulting in the obstruction of public roadways or curtailment of public transportation, that prevents Your ability to arrive at Your Land/Sea Arrangements.

g) A road closure causing a delay in reaching Your destination for at least 12 hours.

h) Strike that causes complete cessation of travel services of Your Common Carrier for at least 48 consecutive hours.

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

j) The airport terminal from which You are scheduled to fly, is closed due to a documented security breach within 12 hours of arrival at the terminal or while You are physically at the terminal.

k) A politically motivated Terrorist Attack that occurs within 30 days of Your departure and within 50 miles of a City listed on Your itinerary. The Terrorist Attack must occur on or after the Effective Date of Your Trip Cancellation Coverage.

l) A documented theft of passports or visas. Documented means that You have reported the theft to the local authorities.

m) You or Your Traveling Companion being directly involved in or delayed due to a traffic Accident substantiated by a police report, while en route to departure.

n) You and/or Your Traveling Companion are hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer; the victim of felonious assault; having Your principal place of residence made inaccessible and uninhabitable by a Natural Disaster; or burglary or vandalism of Your principal place of residence within 10 days of departure.

o) You or Your Traveling Companion are called to active military duty after the Effective Date.

p) You have, or Your Traveling Companion has, a previously approved military leave revoked or experience a military reassignment.

q) Your transfer, within thirty (30) days of the date of Your Covered Trip, by the employer with which You are employed on the Effective Date that requires relocation of Your principal residence.

r) Your Traveling Companion’s transfer, within thirty (30) days of the date of Your Covered Trip, by the employer with which Your Traveling Companion is employed on the Effective Date that requires relocation of Your Traveling Companion’s principal residence.

s) After at least three (3) years of full time continuous employment at the same company, You are terminated or laid-off from full time employment at such company within thirty (30) days of the date of Your Covered Trip.

t) After at least three (3) years of full time continuous employment at the same company, Your Traveling Companion is terminated or laid-off from full time employment at such company within thirty (30) days of the date of Your Covered Trip.

TRIP INTERRUPTION

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

We will pay You:

a) for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s); or

b) additional transportation expenses incurred by You; or

c) return air travel up to the lesser of the cost of an economy flight or the amount shown on the Schedule of Benefits.

In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

The Following are Unforeseen Events For Trip Cancellation or Trip Interruption:

a) Your Accidental Injury, Sickness or death or the Accidental Injury, Sickness or death of Your Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) An Accidental Injury incurred by You that causes You to be medically unable to continue Your trip’s activity(ies). An actual examination by a Physician must take place and the Physician must advise You to discontinue the trip’s activity(ies).

c) Inclement weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the Common Carrier that results in the complete cessation of travel services at the point of departure or destination for at least 48 consecutive hours.

d) Mandatory evacuation ordered by local authorities at Your destination due a Natural Disaster. You must have 50% or less of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.

e) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable.

f) Adverse weather or Natural Disaster resulting in the obstruction of public roadways, or curtailment of public transportation, that prevents Your ability to arrive at Your Land/Sea Arrangements.

g) A road closure causing a delay in reaching Your destination for at least 12 hours.

h) Strike that causes complete cessation of travel services of Your Common Carrier for at least 48 consecutive hours.

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

j) The airport terminal from which You are scheduled to fly, is closed due to a documented security breach within 12 hours of arrival at the terminal or while You are physically at the terminal.

k) A politically motivated Terrorist Attack occurs within 30 days of Your departure and also 50 miles of a City listed on Your itinerary. The Terrorist Attack must occur on or after the Effective Date of Your Trip Cancellation Coverage.

l) A documented theft of passports or visas. Documented means that You have reported the theft to the local authorities.

m) You or Your Traveling Companion being directly involved in or delayed due to a traffic Accident substantiated by a police report, while en route to departure.

n) You and/or Your Traveling Companion are hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer; the victim of felonious assault; having Your principal place of residence made inaccessible and uninhabitable by a Natural Disaster; or burglary or vandalism of Your principal place of residence within 10 days of departure.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination during Your trip.

5. After three (3) years of continuous employment at the same company, You are terminated or laid-off during Your Trip, from full time employment by that company through no fault of Your own.

6. Your transfer of employment of two hundred fifty (250) miles or more that occurs during Your Trip. You must have been employed with the transferring employer on Your Effective Date. The transfer must require Your Home to be relocated.

7. You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).

8. Weather that causes complete cessation of services for at least twenty-four (24) consecutive hours of the Common Carrier on which You are scheduled to travel and prevents You from reaching Your destination. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this coverage.

9. Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable.

10. A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary during Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than twelve (12) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.

11. You or Your Traveling Companion are a victim of a felonious assault.

12. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

13. You or Your Traveling Companion being directly involved in a traffic Accident while en route to departure (substantiated by a police report provided by You to the Company).

14. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than twelve (12) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period.

15. Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least twenty-four (24) consecutive hours.

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:

a) pre-paid unused, non-refundable land or sea expenses to the Travel Suppliers;

b) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets.

In no event will the Company reimburse You for the cash value of Your airline ticket(s) purchased with frequent flier miles.

The Company will pay for Reasonable Expenses incurred by You if Your Traveling Companion must remain Hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You or Your Traveling Companion cannot fly home due to an Accident or a Sickness but do not require Hospitalization.

In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.

SPECIAL CONDITIONS: You must advise the Company or its authorized representative as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Company, its authorized representative and Your Travel Supplier as soon as reasonable possible.

SINGLE OCCUPANCY COVERAGE

The Company will reimburse You for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for pre-paid Travel Arrangements if a person booked to share accommodations with You has his/her Trip delayed, canceled, or interrupted for a covered reason and You do not cancel. This benefit is subject to the same Maximum Benefit indicated above.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. The death or Hospitalization of Your Host at Destination during Your trip.

5. After three (3) years of continuous employment at the same company, You are terminated or laid-off during Your Trip, from full time employment by that company through no fault of Your own.

6. Your transfer of employment of two hundred fifty (250) miles or more that occurs during Your Trip. You must have been employed with the transferring employer on Your Effective Date. The transfer must require Your Home to be relocated.

7. You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).

8. Weather that causes complete cessation of services for at least twenty-four (24) consecutive hours of the Common Carrier on which You are scheduled to travel and prevents You from reaching Your destination. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this coverage.

9. Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable.

10. If the Centers for Disease Control and Prevention (CDC) issues a Level 3 Travel Health Notice that travel should be avoided within Your destination during Your Trip.

11. A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary during Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than twelve (12) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.

12. You or Your Traveling Companion are a victim of a felonious assault.

13. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

14. You or Your Traveling Companion being directly involved in a traffic Accident while en route to departure (substantiated by a police report provided by You to the Company).

15. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than twelve (12) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period.

16. Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least twenty-four (24) consecutive hours. The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:

a) pre-paid unused, non-refundable land or sea expenses to the Travel Suppliers;
b) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets.

In no event will the Company reimburse You for the cash value of Your airline ticket(s) purchased with frequent flier miles.

The Company will pay for Reasonable Expenses incurred by You if Your Traveling Companion must remain Hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You or Your Traveling Companion cannot fly home due to an Accident or a Sickness but do not require Hospitalization.

In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.

SPECIAL CONDITIONS: You must advise the Company or its authorized representative as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Company, its authorized representative and Your Travel Supplier as soon as reasonable possible.

SINGLE OCCUPANCY COVERAGE

The Company will reimburse You for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for pre-paid Travel Arrangements if a person booked to share accommodations with You has his/her Trip delayed, canceled, or interrupted for a covered reason and You do not cancel. This benefit is subject to the same Maximum Benefit indicated above.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. After three (3) years of continuous employment at the same company, You are terminated or laid-off during Your Trip, from full time employment by that company through no fault of Your own.

5. Your transfer of employment of two hundred fifty (250) miles or more that occurs during Your Trip. You must have been employed with the transferring employer on Your Effective Date. The transfer must require Your Home to be relocated.

6. Your or Your Traveling Companion’s company being made unsuitable for business by fire, flood, burglary, vandalism or other Natural Disaster and You or Your Traveling Companion is responsible for policy and decision making with the company and is directly involved as a member of the disaster recovery team.

7. You or Your Traveling Companion being required to work during the Trip. Proof of requirement to work, such as a notarized statement signed by an officer of Your or Your Traveling Companion’s employer must be presented. This benefit is not available to independent contractors, temporary employees or self-employed individuals, or if You or Your Traveling Companion are a company owner or partner.

8. You or Your Traveling Companion have a previously approved military leave revoked or experience a military reassignment.

9. You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).

10. The primary or secondary school where You or Your minor child(ren) (under the age of eighteen (18)) attend(s) must extend operating session beyond the pre-defined school year and interferes with Your scheduled Trip dates.

11. Weather at the departure site that causes complete cessation of services for at least twenty-four (24) consecutive hours of the Common Carrier on which You are scheduled to travel and prevents You from reaching Your destination. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this coverage.

12. Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable.

13. A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary during Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than eighteen 18 months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.

14. You or Your Traveling Companion are a victim of a felonious assault.

15. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

16. You or Your Traveling Companion being directly involved in a traffic Accident while en route to departure (substantiated by a police report provided by You to the Company).

17. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than eighteen (18) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period.

18. Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least twenty-four (24) consecutive hours.

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:

a) pre-paid unused, non-refundable land or sea expenses to the Travel Suppliers;
b) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets.

In no event will the Company reimburse You for the cash value of Your airline ticket(s) purchased with frequent flier miles.

In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.

SPECIAL CONDITIONS: You must advise the Company or its authorized representative as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Company, its authorized representative and Your Travel Supplier as soon as reasonable possible.

SINGLE OCCUPANCY COVERAGE

The Company will reimburse You for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for pre-paid Travel Arrangements if a person booked to share accommodations with You has his/her Trip delayed, canceled, or interrupted for a covered reason and You do not cancel. This benefit is subject to the same Maximum Benefit indicated above.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. After three (3) years of continuous employment at the same company, You are terminated or laid-off during Your Trip, from full time employment by that company through no fault of Your own.

5. Your transfer of employment of two hundred fifty (250) miles or more that occurs during Your Trip. You must have been employed with the transferring employer on Your Effective Date. The transfer must require Your Home to be relocated.

6. Your or Your Traveling Companion’s company being made unsuitable for business by fire, flood, burglary, vandalism or other Natural Disaster and You or Your Traveling Companion is responsible for policy and decision making with the company and is directly involved as a member of the disaster recovery team.

7. You or Your Traveling Companion being required to work during the Trip. Proof of requirement to work, such as a notarized statement signed by an officer of Your or Your Traveling Companion’s employer must be presented. This benefit is not available to independent contractors, temporary employees or self-employed individuals, or if You or Your Traveling Companion are a company owner or partner.

8. You or Your Traveling Companion have a previously approved military leave revoked or experience a military reassignment.

9. You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).

10. The primary or secondary school where You or Your minor child(ren) (under the age of eighteen (18)) attend(s) must extend operating session beyond the pre-defined school year and interferes with Your scheduled Trip dates.

11. Weather at the departure site that causes complete cessation of services for at least twenty-four (24) consecutive hours of the Common Carrier on which You are scheduled to travel and prevents You from reaching Your destination.

This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this coverage.

12. Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable.

13. A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary during Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than twenty-four (24) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.

14. You or Your Traveling Companion are a victim of a felonious assault.

15. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

16. You or Your Traveling Companion being directly involved in a traffic Accident while en route to departure (substantiated by a police report provided by You to the Company).

17. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than twenty-four (24) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period.

18. Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least twenty-four (24) consecutive hours.

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:

a) pre-paid unused, non-refundable land or sea expenses to the Travel Suppliers;

b) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets.

In no event will the Company reimburse You for the cash value of Your airline ticket(s) purchased with frequent flier miles.

In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.

SPECIAL CONDITIONS: You must advise the Company or its authorized representative as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Company, its authorized representative and Your Travel Supplier as soon as reasonable possible.

SINGLE OCCUPANCY COVERAGE

The Company will reimburse You for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for pre-paid Travel Arrangements if a person booked to share accommodations with You has his/her Trip delayed, canceled, or interrupted for a covered reason and You do not cancel. This benefit is subject to the same Maximum Benefit indicated above.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. After three (3) years of continuous employment at the same company, You are terminated or laid-off during Your Trip, from full time employment by that company through no fault of Your own.

5. Your transfer of employment of two hundred fifty (250) miles or more that occurs during Your Trip. You must have been employed with the transferring employer on Your Effective Date. The transfer must require Your Home to be relocated.

6. Your or Your Traveling Companion’s company being made unsuitable for business by fire, flood, burglary, vandalism or other Natural Disaster and You or Your Traveling Companion is responsible for policy and decision making with the company and is directly involved as a member of the disaster recovery team.

7. You or Your Traveling Companion being required to work during the Trip. Proof of requirement to work, such as a notarized statement signed by an officer of Your or Your Traveling Companion’s employer must be presented. This benefit is not available to independent contractors, temporary employees or self-employed individuals, or if You or Your Traveling Companion are a company owner or partner.

8. You or Your Traveling Companion have a previously approved military leave revoked or experience a military reassignment.

9. You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).

10. The primary or secondary school where You or Your minor child(ren) (under the age of eighteen (18)) attend(s) must extend operating session beyond the pre-defined school year and interferes with Your scheduled Trip dates.

11. Weather at the departure site that causes complete cessation of services for at least twenty-four (24) consecutive hours of the Common Carrier on which You are scheduled to travel and prevents You from reaching Your destination. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this coverage.

12. Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable.

13. A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary during Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than twenty-four (24) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.

14. You or Your Traveling Companion are a victim of a felonious assault.

15. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

16. You or Your Traveling Companion being directly involved in a traffic Accident while en route to departure (substantiated by a police report provided by You to the Company).

17. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than twenty-four (24) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period.

18. Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least twenty-four (24) consecutive hours.

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:

a) pre-paid unused, non-refundable land or sea expenses to the Travel Suppliers;
b) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets.

In no event will the Company reimburse You for the cash value of Your airline ticket(s) purchased with frequent flier miles.

In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.

SPECIAL CONDITIONS: You must advise the Company or its authorized representative as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Company, its authorized representative and Your Travel Supplier as soon as reasonable possible.

SINGLE OCCUPANCY COVERAGE

The Company will reimburse You for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for pre-paid Travel Arrangements if a person booked to share accommodations with You has his/her Trip delayed, canceled, or interrupted for a covered reason and You do not cancel. This benefit is subject to the same Maximum Benefit indicated above.

TRIP INTERRUPTION

If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid, non-refundable Payments or Deposits paid to the Travel Supplier for the Travel Arrangements You purchased for Your Trip, plus the Additional Transportation Cost paid to:

a. join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or
b. rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or
c. transport You to Your originally scheduled Return Destination of Your Trip.

The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets. Note that reimbursement of non-refundable Payments or Deposits will be calculated/pro-rated on a daily basis less the cost of Your original airfare booked by You.

Trip Interruption must occur while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined:

1. Your, a Family Member’s, a Traveling Companion’s, or a Business Partner’s death, which occurs while You are on Your Trip.

2. Your, a Family Member’s, a Traveling Companion’s, or a Business Partner’s Sickness or Injury, that:
a. occurs while You are on Your Trip;
b. is examined and treated by a Physician prior to the time of interruption; and
c. as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on Your Trip.

Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause You to interrupt Your Trip to assume daily management of the business.

3. You or Your Traveling Companion must interrupt Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect.

Other Covered Events means:

1. You or Your Traveling Companion have Complications of Pregnancy, which is verified by medical records and occurs while You or Your Traveling Companion are on Your Trip;

2. mechanical breakdown/equipment failure of a Common Carrier on which You or Your Traveling Companion are scheduled to travel, that causes complete cessation or delay of You or Your Traveling Companion’s travel for at least 48 consecutive hours, provided no alternative Travel Arrangements were available;

3. local government mandated shutdown of travel services of an airport or air traffic control system, resulting in the complete cessation of services other than terrorism or act of war for at least 48 consecutive hours of Your Common Carrier;

4. shutdown of the air traffic control system or an airport due to fire or power outage from which You are scheduled to depart or to make a connection, resulting in the complete cessation of services other than terrorism or act of war for at least 48 consecutive hours of Your Common Carrier;

5. mandatory evacuation ordered by local government authorities at Your Scheduled Trip Departure City or Scheduled Destination due to a Natural Disaster or hurricane named after the Effective Date of Your Trip Interruption benefits, which prevents You from traveling to/arriving at Your Scheduled Trip Departure City or Scheduled Destination;

6. an unannounced Strike resulting in complete cessation of travel services for at least 48 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

7. You or Your Traveling Companion are directly involved in and are delayed due to a traffic accident, while en route to Your Scheduled Destination or Return Destination. The traffic accident must be documented by a police report;

8. Inclement Weather that causes a complete cessation of services, or closure of public roadways by local government authorities, for at least 48 consecutive hours of a Common Carrier on which You or Your Traveling Companion are scheduled to travel;

9. Your or Your Traveling Companion’s Primary Residence or Scheduled Destination Accommodations are made Uninhabitable and remains Uninhabitable during Your Trip or are inaccessible by the mode of transportation as shown on the travel documents or itinerary by a Natural Disaster, vandalism, or burglary.

Coverage for a hurricane only applies if You purchased insurance prior to the tropical storm first being upgraded to a hurricane. Claims are not payable if a hurricane is foreseeable prior to Your Effective Date for Trip Interruption. A hurricane is foreseeable on the date it becomes a named storm. We will only pay the benefits for losses occurring within 30 days after the named hurricane renders Your Scheduled Destination Uninhabitable or inaccessible. This coverage only applies if You purchased the policy within the Time Sensitive Period;

10. Your Scheduled Destination is under a hurricane warning or hurricane watch, as issued by the NOAA Hurricane Center, after Your Scheduled Departure Date;

11. You or Your Traveling Companion are hijacked or Quarantined;

12. You or Your Traveling Companion are subpoenaed, served with a court order, required to serve on a jury, or required to appear as a witness in a legal action, provided You or Your Traveling Companion are not: 1) a party to the legal action; except 2) appearing in a law enforcement capacity;

13. You or Your Traveling Companion are called to active military duty or emergency service as a reservist, either to serve or to provide aid or relief in the event of a Natural Disaster;

14. Your or Your Traveling Companion’s previously granted military leave is revoked or reassigned for reasons due to war or an act of war, or for reasons other than war, while You or Your Traveling Companion are on the Trip and You or Your Traveling Companion have to interrupt the Trip. Official written notice of the revocation or reassignment by a supervisor or commanding officer of the appropriate branch of service will be required. The military leave for the dates of travel must have been approved prior to the Effective Date of Trip Interruption coverage and the leave revoked or reassigned after the Effective Date of Trip Interruption coverage;

15. Your Host at Your Scheduled Destination being unable to provide Accommodations due to a life-threatening Sickness or Injury, or due to his/her death. Official documentation of the event must be provided;

16. a Terrorist Incident that occurs during Your Trip:

a. in a city listed on the scheduled itinerary of Your Trip; or
b. provided Your Travel Supplier (if applicable) did not offer a substitute itinerary.

Losses resulting from interruption due to a potential Terrorist Incident are not covered, even if the interruption is due to the issuance of travel advisories, bulletins, or alerts;

17. a theft or loss of passports, travel documents, or visas while on Your Trip, specifically required for Your Trip, which is substantiated by a police report;

18. You or Your Traveling Companion are the victim of a Felonious Assault while on Your Trip;

19. a travel alert or travel warning for levels 4 and higher or an evacuation order is issued after Your Effective Date of Your Trip Interruption coverage, to a Scheduled Destination specifically listed on Your itinerary. The travel alert, warning, etc. must occur during Your scheduled Trip.

For up-to-date information, refer to the U.S. State Department website at travel.state.gov/content/travel/en/traveladvisories/traveladvisories.html;

20. You or Your Traveling Companion have an involuntary transfer of employment within the same organization of 100 or more miles, which requires Your or Your Traveling Companion’s Primary Residence to be relocated and You or Your Traveling Companion have to interrupt the Trip. Provided that You or Your Traveling Companion have been an active employee with the same employer for at least 1 continuous year. Notification of the transfer must occur while You or Your Traveling Companion are on the Trip, and the transfer must occur during the Trip. This provision is not applicable to temporary employment, seasonal employment, independent contractors, freelancers, or self-employed persons;

21. You or Your Traveling Companion are involuntarily terminated or laid off by Your or Your Traveling Companion’s employer while You are on Your Trip. You or Your Traveling Companion must have been an active employee with the same employer for at least 1 continuous year. This provision is not applicable to temporary employment, seasonal employment, independent contractors, freelancers, or self-employed persons;

22. Financial Default or Financial Insolvency of an entity that directly provides Travel Arrangements, including a Travel Supplier, Common Carrier, or other travel entity that causes a complete cessation of travel services if the Financial Default or Financial Insolvency occurs more than 14 days following Your Effective Date for Trip Interruption. Benefits will be paid due to Financial Default or Financial Insolvency of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your Scheduled Destination;

23. if You cannot continue on Your Trip due to a covered Injury or Sickness not requiring Hospitalization and You must extend Your Trip due to medically imposed restrictions, as certified by a treating Physician, benefits will be paid for additional hotel nights, meal(s), and local transportation expenses until You are Medically Fit to Travel up to $100 per day, limited to 10 days and a maximum of $1,000.

In no event shall the amount reimbursed for Trip Interruption exceed the lesser of the amount You prepaid for Your Trip, or the Maximum Benefit Amount shown in the Schedule of Benefits.

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

Additional Trip Interruption

1. If You must interrupt Your Trip because Your Traveling Companion is Hospitalized and must remain Hospitalized due to a covered Injury or Sickness for at least 3 days during Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the Reasonable Expenses incurred by You to remain with Your Traveling Companion after Your Scheduled Return Date.

2. If You have $0 insured Trip Cost, and You interrupt Your Trip for a covered Unforeseen reason, We will reimburse You for the additional cost, as shown in the Schedule of Benefits, for expenses incurred for one-way airfare (using the same class of fare as the original travel ticket) to return You to Your originally scheduled Return Destination.

TRIP INTERRUPTION

If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits paid to the Travel Supplier for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to:

a. join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or
b. rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or
c. transport You to Your originally scheduled Return Destination of Your Trip.

The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets. Note that reimbursement of non-refundable Payments or Deposits will be calculated/prorated on a daily basis less the cost of Your original airfare booked by You.

Trip Interruption must occur while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined:

1. Your, a Family Member’s, a Traveling Companion’s, or a Business Partner’s death, which occurs while You are on Your Trip.

2. Your, a Family Member’s, a Traveling Companion’s, or a Business Partner’s Sickness or Injury, that:

a. occurs while You are on Your Trip;
b. is examined and treated by a Physician prior to the time of interruption; and
c. as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on Your Trip.

Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause You to interrupt Your Trip to assume daily management of the business.

3. You or Your Traveling Companion must interrupt Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect.

Other Covered Events means:

1. You or Your Traveling Companion have Complications of Pregnancy which is verified by medical records and occurs while You or Your Traveling Companion are on Your Trip;

2. a mechanical breakdown/equipment failure of a Common Carrier on which You or Your Traveling Companion are scheduled to travel that causes complete cessation or delay of You or Your Traveling Companion’s travel for at least 48 consecutive hours provided no alternative Travel Arrangements were available;

3. a local government mandated shutdown of travel services of an airport or air traffic control system resulting in the complete cessation of services other than terrorism or act of war for at least 48 consecutive hours of Your Common Carrier;

4. shutdown of the air traffic control system or an airport due to fire or power outage from which You are scheduled to depart or to make a connection resulting in the complete cessation of services other than terrorism or act of war for at least 48 consecutive hours of Your Common Carrier;

5. mandatory evacuation ordered by local government authorities at Your Scheduled Trip Departure City or Scheduled Destination due to a Natural Disaster or hurricane named after the Effective Date of Your Trip Interruption benefits which prevents You from traveling to/arriving at Your Scheduled Trip Departure City or Scheduled Destination;

6. an unannounced Strike resulting in complete cessation of travel services for at least 48 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

7. You or Your Traveling Companion are directly involved in and are delayed due to a traffic accident, while en route to Your Scheduled Destination or Return Destination. The traffic accident must be documented by a police report;

8. Inclement Weather that causes a complete cessation of services, or closure of public roadways by local government authorities, for at least 48 consecutive hours of a Common Carrier on which You or Your Traveling Companion are scheduled to travel;

9. Your or Your Traveling Companion’s Primary Residence or Scheduled Destination Accommodations are madeUninhabitable and remains Uninhabitable during Your Trip or are inaccessible by the mode of transportation as shown on the travel documents or itinerary by a Natural Disaster, vandalism or burglary

Coverage for a hurricane only applies if You purchased insurance prior to the tropical storm first being upgraded to a hurricane. Claims are not payable if a hurricane is foreseeable prior to Your Effective Date for TripInterruption. A hurricane is foreseeable on the date it becomes a named storm. We will only pay the benefits for losses occurring within 30 days after the named hurricane renders Your Scheduled Destination Uninhabitable or inaccessible. This coverage only applies if You purchased the policy within the Time Sensitive Period;

10. Your Scheduled Destination is under a hurricane warning or hurricane watch, as issued by the NOAA Hurricane Center, after Your Scheduled Departure Date;

11. You or You Traveling Companion are hijacked or Quarantined;

12. You or Your Traveling Companion are subpoenaed, served with a court order, required to serve on a jury or required to appear as a witness in a legal action, provided You or Your Traveling Companion are not: 1) a party to the legal action; except 2) appearing in a law enforcement capacity;

13. You or Your Traveling Companion are called to active military duty or emergency service as a reservist, either to serve or to provide aid or relief in the event of a Natural Disaster;

14. Your or Your Traveling Companion’s previously granted military leave is revoked or reassigned for reasons due to war or an act of war or for reasons other than war while You or Your Traveling Companion are on the Trip and You or Your Traveling Companion have to interrupt the Trip. Official written notice of the revocation or reassignment by a supervisor or commanding officer of the appropriate branch of service will be required. The military leave for the dates of travel must have been approved prior to the Effective Date of Trip Interruption coverage and the leave revoked or reassigned after the Effective Date of Trip Interruption coverage;

15. Your Host at Your Scheduled Destination being unable to provide Accommodations due to a life-threating Sickness or Injury, or due to his/her death. Official documentation of the event must be provided;

16. a Terrorist Incident that occurs during Your Trip:

a. in a city listed on the scheduled itinerary of Your Trip; or
b. provided Your Travel Supplier (if applicable) did not offer a substitute itinerary.

Losses resulting from interruption due to a potential Terrorist Incident are not covered, even if the interruption is due to the issuance of travel advisories, bulletins or alerts.

17. a theft or loss of passports or travel documents or visas while on Your Trip, specifically required for Your Trip, which is substantiated by a police report;

18. You or Your Traveling Companion are the victim of a Felonious Assault while on Your Trip;

19. a travel alert or travel warning for levels 4 and higher or an evacuation order is issued after Your Effective Date of Your Trip Interruption Coverage, to a Scheduled Destination specifically listed on Your Itinerary. The travel alert/warning, etc. must occur during Your scheduled Trip. For up-to-date information refer to the U.S. State Department website at travel.state.gov/content/travel/en/traveladvisories/traveladvisories.html;

20. You or Your Traveling Companion have an involuntary transfer of employment within the same organization of 100 or more miles which requires Your or Your Traveling Companion’s Primary Residence to be relocated and You or Your Traveling Companion have to interrupt the Trip. Provided that You or Your Traveling Companion have been an active employee with the same employer for at least 1 continuous year. Notification of the transfer must occur while You or Your Traveling Companion are on the Trip and the transfer must occur during the Trip.

This provision is not applicable to temporary employment, seasonal employment, independent contractors, freelancer or self-employed persons;

21. You or Your Traveling Companion are involuntarily terminated or laid off by Your or Your Traveling Companion’s employer while You are on Your Trip. You or Your Traveling Companion must have been an active employee with the same employer for at least 1 continuous year. This provision is not applicable to temporary employment, seasonal employment, independent contractors, freelancer or self-employed persons;

22. Financial Default or Financial Insolvency of an entity that directly provides Travel Arrangements, including a Travel Supplier, Common Carrier, or other travel entity that causes a complete cessation of travel services if theFinancial Default or Financial Insolvency occurs more than 14 days following Your Effective Date for Trip Interruption. Benefits will be paid due to Financial Default or Financial Insolvency of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your Scheduled Destination;

23. if You cannot continue on Your Trip due to a covered Injury or Sickness not requiring Hospitalization and You must extend Your Trip due to medically imposed restrictions, as certified by a treating Physician, benefits will be paid for additional hotel nights, meal(s), and local transportation expenses until You are Medically Fit to Travel up to $100 per day, limited to 10 days and a maximum of $1,000.

In no event shall the amount reimbursed for Trip Interruption exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

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

Additional Trip Interruption

1. If You must interrupt Your Trip because Your Traveling Companion is Hospitalized and must remain Hospitalized due to a covered Injury or Sickness for at least 3 days during Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the Reasonable Expenses incurred by You to remain with Your Traveling Companion after Your Scheduled Return Date.

2. If You have $0 insured Trip Cost, and You interrupt Your Trip for a covered Unforeseen reason, We will reimburse You for the additional cost, as shown in the Schedule of Benefits, for expenses incurred for one-way airfare (using the same class of fare as the original travel ticket) to return You to Your originally scheduled Return Destination.

SINGLE SUPPLEMENT

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the additional cost incurred as a result of a change in the per person occupancy rate for prepaid non-refundable Travel Arrangements if a person booked to share Accommodations with You cancels or interrupts his/her Trip due to any of the covered Unforeseen reasons or Other Covered Events shown in Your Trip Cancellation or Trip Interruption section(s) and You do not cancel or interrupt Your Trip. Proof of cancellation or interruption by a person booked to share Accommodations with You is required.

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

6.4 Trip Interruption.

The Company will reimburse You up to the amount in the Schedule of Benefits for the cost of economy travel less the value of applied credit from an unused return travel ticket to return home to Your area of Primary Residence if You are unable to continue the Trip due to the death of a parent, Spouse, sibling, Your child(ren), grandparent, grandchild(ren), or in-laws (parent, son, daughter, brother, and sister), or due to serious damage to Your Primary Residence from fire or Natural Disaster.

The exclusions in Section 8 apply to the coverage provided under this section.

6.4 Trip Interruption.

The Company will reimburse You up to the amount in the Schedule of Benefits for the cost of economy travel less the value of applied credit from an unused return travel ticket to return home to Your area of Primary Residence if You are unable to continue the Trip due to the death of a parent, Spouse, sibling, Your child(ren), grandparent, grandchild(ren), or in-laws (parent, son, daughter, brother, and sister), or due to serious damage to Your Primary Residence from fire or Natural Disaster.

The exclusions in Section 8 apply to the coverage provided under this section.

TRIP INTERRUPTION

If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid, non-refundable Payments or Deposits paid to the Travel Supplier for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to:

a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or

b) rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or

c) transport You to Your originally scheduled Return Destination of Your Trip

The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets. Note that reimbursement of non-refundable Payments or Deposits will be calculated/prorated on a daily basis less the cost of Your original airfare booked by You

Trip Interruption must occur while coverage is in effect for You due to any of the following covered Unforeseen reasons,as defined:

1. Your, a Family Member’s, a Traveling Companion’s, or a Business Partner’s death, which occurs while You areon Your Trip.

2. Your, a Family Member’s, a Traveling Companion’s, or a Business Partner’s Sickness or Injury, that:

a) occurs while You are on Your Trip;
b) is examined and treated by a Physician prior to the time of interruption; and
c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on Your Trip.

Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause You to interrupt YourTrip to assume daily management of the business.

3. You or Your Traveling Companion must interrupt Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect.

Other Covered Events means:

1. You or Your Traveling Companion have Complications of Pregnancy which is verified by medical records and occurs while You or Your Traveling Companion are on Your Trip;

2. a mechanical breakdown/equipment failure of a Common Carrier or cruise boat on which You or Your Traveling Companion are scheduled to travel that causes complete cessation or delay of You or Your Traveling Companion’s travel for at least 48 consecutive hours provided no alternative Travel Arrangements were available;

3. mandatory evacuation ordered by local government authorities at Your Scheduled Trip Departure City or Scheduled Destination due to a Natural Disaster or hurricane named after the Effective Date of Your Trip Interruption benefits which prevents You from traveling to/arriving at Your Scheduled Trip Departure City or Scheduled Destination;

4. You or Your Traveling Companion are directly involved in and are delayed due to a traffic accident, while enroute to Your Scheduled Destination or Return Destination. The traffic accident must be documented by a police report;

5. Inclement Weather that causes a delay or cancellation by a Common Carrier for at least 6 consecutive hours;

6. Your or Your Traveling Companion’s Primary Residence or Scheduled Destination is made Uninhabitable and remains Uninhabitable during Your Trip by a Natural Disaster, vandalism, or burglary.Claims are not payable if a hurricane is foreseeable prior to Your Effective Date for Trip Interruption. A hurricane is foreseeable on the date it becomes a named storm

7. Your Scheduled Destination is under a hurricane warning as issued by the NOAA Hurricane Center, after Your Scheduled Departure Date;

8. You or Your Traveling Companion are hijacked or Quarantined;

9. You or Your Traveling Companion are subpoenaed, served with a court order, required to serve on a jury, or required to appear as a witness in a legal action, provided You or Your Traveling Companion are not: 1) a party to the legal action; except 2) appearing in a law enforcement capacity;

10. You or Your Traveling Companion or Family Member are called to active military duty or emergency service as a reservist, firefighter, or police officer either to serve or to provide aid or relief in the event of a Natural Disaster,a Civil Disorder, or Terrorist Incident other than war;

11. Your or Your Traveling Companion’s previously granted military leave is revoked or reassigned for reasons dueto war or an act of war, or for reasons other than for war, while You or Your Traveling Companion are on the Trip and You or Your Traveling Companion have to interrupt the Trip. Official written notice of the revocation orre-assignment by a supervisor or commanding officer of the appropriate branch of service will be required. The military leave for the dates of travel must have been approved prior to the Effective Date of Trip Interruption coverage and the leave revoked or reassigned after the Effective Date of Trip Interruption coverage;

12. a theft or loss of passports or travel documents or visas while on Your Trip, specifically required for Your Trip,which is substantiated by a police report;

13. You or Your Traveling Companion are the victim of a Felonious Assault while on Your Trip;

14. You or Your Traveling Companion are involuntarily terminated or laid off by Your or Your Traveling Companion’s employer while You are on Your Trip, You or Your Traveling Companion must have been an active employee with the same employer for at least 1 continuous year. This provision is not applicable to temporary employment,seasonal employment, independent contractors, freelancers, or self-employed persons

In no event shall the amount reimbursed for Trip Interruption exceed the lesser of the amount You prepaid for Your Trip,or the Maximum Benefit Amount shown in the Schedule of Benefits

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

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:

Medical / Health

a) Any serious Injury, death, or Sickness;

1) Occurring to You or a Traveling Companion that is so disabling as to cause a reasonable person to cancel or interrupt their Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip;

Transportation and Accommodation

a) Strike resulting in complete interruption of travel services at the point of departure or Destination;

Environment

a) Inclement Weather, if it causes delay or cancellation of travel for at least 24 consecutive hours;

b) You or a Traveling Companion’s Primary Residence being made Uninhabitable or inaccessible by Natural Disaster, vandalism, or burglary;

Political / Violence

a) You, or a Traveling Companion are hijacked, quarantined, subpoenaed, or required to serve on a jury;

SPECIAL NOTIFICATION OF CLAIM

You must notify Tin Leg within 72 hours or as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the travel supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circumstance that prevented timely notification.

Trip Interruption Benefits: The Company will reimburse You up to the Maximum Limit shown in the Schedule for Trips that are interrupted due to the Unforeseen events shown above for:

a) Unused portion of non-refundable pre-paid insured Trip Cost; and

b) additional transportation expenses incurred by You, either to the Return Destination; or from the place that You left the Trip to the place that You may rejoin the Trip; or

c) additional transportation expenses incurred by You to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date.

However, the benefit payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket, less any refunds paid or payable, by the most direct route.

SINGLE OCCUPANCY BENEFIT

The Company will reimburse You, up to the Trip Cancellation and Trip Interruption Maximum Limit shown in the Schedule, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with You has his/her Trip canceled or interrupted due to any of the Unforeseen events shown in the Trip Cancellation and Trip Interruption section and You do not cancel.

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.

Single Occupancy Benefit: If the Insured prepaid for shared accommodations and their Traveling Companion cancels their Trip due to one or more of the Unforeseen Covered Events, the Company will reimburse any additional accommodation fees the Insured is required to pay.

SPECIAL NOTIFICATION OF CLAIM

The Insured must notify the Travel Supplier and the Travel Insurance Administrator or an agent of the company within 72 hours or as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, the Insured must provide proof of the circumstance that prevented timely notification.

UNFORESEEN COVERED EVENTS:

Medical / Health

a) Injury or Sickness:
(1) Occurring to the Insured or a Traveling Companion that is so disabling as to cause a reasonable person to cancel or interrupt their Trip, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing continued participation in the Trip;

b) Death of the Insured or Traveling Companion.

c) The Insured or Traveling Companion, or their Child, is Quarantined.

Environment

a) Inclement Weather which causes delay or cancellation of travel;

b) The Insured’s, or a Traveling Companion’s Primary Residence being made Uninhabitable by Natural Disaster, Named Storm, vandalism, or burglary;

Other

a) The Insured or a Traveling Companion is directly involved in a traffic accident (not including a mechanical breakdown), while en route to the Insured’s Destination. The traffic accident must be substantiated by a police report;

b) Strike of a Common Carrier the Insured is scheduled to travel on, resulting in complete interruption of travel services at the point of departure or Destination. If comparable Travel Suppliers are available, coverage will be limited to the additional expenses, change fees, and increase in fare (if any) to book with the new Travel Supplier;

c) The Insured or a Traveling Companion is a traveler on a hijacked aircraft, train, vehicle or vessel;

d) The Insured or a Traveling Companion is legally required to attend a legal proceeding during the Trip, provided the attendance is not in the course of their occupation;

e) The Insured or a Traveling Companion is called to active military service or as a reservist, or military leave is revoked or reassigned. The military leave for the dates of travel must have been approved prior to the Policy Effective Date;

f) The Insured, a Traveling Companion, or parent or legal guardian if the Insured is a Child, through no fault of his or her own is involuntarily terminated or laid off for more than 30 days. To qualify he or she must have been an active employee for the employer for at least 1 continuous year. Termination must occur following the Policy Effective Date. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons;

g) The Insured, a Traveling Companion, or parent or legal guardian if the Insured is a Child, has an involuntary employer-initiated transfer of 100 or more miles which requires the Insured’s Primary Residence to be relocated; provided that he or she has been an active employee with the same employer for at least 1 continuous year. Notification of the transfer by the employer to the Insured must occur after the Policy Effective Date;

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:

Medical / Health

a) Any serious Injury, death, or Sickness;

(1) Occurring to You or a Traveling Companion, a Family Member traveling with You, that is so disabling as to cause a reasonable person to cancel or interrupt their Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip;

(2) Occurring to a Family Member not traveling with the You that is considered life-threatening, as certified by a Physician or they require Your immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;

(3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician;

Transportation and Accommodation

a) Financial Default of an airline, Cruise line, Common Carrier or tour operator provided that:

(1) The insurance was purchased within 15 days of Initial Trip Payment; and

(2) Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits.

The Insurer will not cover Losses resulting from a Financial Default of any person, organization, agency, or firm that solicited Your travel arrangements to you.

b) Strike resulting in complete interruption of travel services at the point of departure or Destination;

Environment

a) Inclement Weather, if it causes delay or cancellation of travel for at least 24 consecutive hours;

b) You or a Traveling Companion’s Primary Residence being made Uninhabitable or inaccessible by Natural Disaster, vandalism, or burglary;

c) You or a Traveling Companion’s Destination being made Uninhabitable or Inaccessible by flood, tornado, earthquake, volcanic eruption, fire, wildfire, or blizzard that is due to natural causes;

d) a named hurricane causing cancellation or interruption of travel to Your Destination that is Inaccessible or Uninhabitable. Claims are not payable if a hurricane is foreseeable prior to Your effective date. A hurricane is foreseeable on the date it becomes a named storm. The Insurer will only pay the benefits for Losses occurring within 14 days after the named hurricane makes Your Destination Uninhabitable or Inaccessible.

Political / Violence

a) You, or a Traveling Companion are hijacked, quarantined, subpoenaed, or required to serve on a jury;

b) You or a Traveling Companion is called to active military service or military leave is revoked or reassigned;

c) a Terrorist Incident in a City listed on Your itinerary within 30 days of Your scheduled arrival;

Work

d) You or a Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least 1 continuous year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons.

SPECIAL NOTIFICATION OF CLAIM

You must notify Tin Leg within 72 hours or as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the travel supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circumstance that prevented timely notification.

Trip Interruption Benefits: The Company will reimburse You up to the Maximum Limit shown in the Schedule for Trips that are interrupted due to the Unforeseen events shown above for:

a) Unused portion of non-refundable pre-paid insured Trip Cost; and

b) additional transportation expenses incurred by You, either to the Return Destination; or from the place that You left the Trip to the place that You may rejoin the Trip; or

c) additional transportation expenses incurred by You to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date.

However, the benefit payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket, less any refunds paid or payable, by the most direct route.

Trip Interruption – Return Air Only: The Company will reimburse You up to the Maximum Limit shown on the Schedule for the additional transportation expenses incurred to reach the Return Destination due to one of the Unforeseen events listed in the Trip Cancellation/Trip Interruption section. However, the benefit payable will not exceed the cost of economy airfare (or the same class as the Insured’s original ticket) less any refunds paid or payable and taken by the most direct route.

Benefits paid for Trip Interruption – Return Air Only cannot be combined with Trip Interruption Benefits.

SINGLE OCCUPANCY BENEFIT

The Company will reimburse You, up to the Trip Cancellation and Trip Interruption Maximum Limit shown in the Schedule, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with You has his/her Trip canceled or interrupted due to any of the Unforeseen events shown in the Trip Cancellation and Trip Interruption section and You do not cancel.

TRIP INTERRUPTION

The Company will reimburse up to the Maximum Limit shown in the Schedule if the Insured’s Trip is interrupted after the scheduled Departure Date and time for an Unforeseen Covered Event listed below. The benefit will be limited to the:

a) Unused portion of non-refundable pre-paid insured Trip Cost; and

b) Additional transportation expenses to either the Return Destination; or from the place that the Insured left the Trip to the place that they may rejoin the Trip; or

c) Additional transportation expenses to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date.

The benefits payable under (b) and © above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable.

Single Occupancy Benefit: If the Insured prepaid for shared accommodations and their Traveling Companion cancels their Trip due to one or more of the Unforeseen Covered Events, the Company will reimburse any additional accommodation fees the Insured is required to pay.

SPECIAL NOTIFICATION OF CLAIM
The Insured must notify the Travel Supplier and the Travel Insurance Administrator or an agent of the company within 72 hours or as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, the Insured must provide proof of the circumstance that prevented timely notification.

UNFORESEEN COVERED EVENTS:

Medical / Health

a) Injury or Sickness:
1) Occurring to the Insured or a Traveling Companion that is so disabling as to cause a reasonable person to cancel or interrupt their Trip, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing continued participation in the Trip;
2) Occurring to a Family Member not traveling that is considered life-threatening, as certified by a Physician or they require the Insured’s immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;
3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician.

b) Death of the Insured, Traveling Companion, Family Member, or Business Partner.

c) The Insured or Traveling Companion, or their Child, is Quarantined.

Environment

a) Inclement Weather which causes delay or cancellation of travel;

b) The Insured’s, or a Traveling Companion’s Primary Residence being made Uninhabitable by Natural Disaster, Named Storm, vandalism, or burglary;

Other

a) The Insured or a Traveling Companion is directly involved in a traffic accident (not including a mechanical breakdown), while en route to the Insured’s Destination. The traffic accident must be substantiated by a police report;

b) The Insured or a Traveling Companion is a traveler on a hijacked aircraft, train, vehicle or vessel;

c) The Insured or a Traveling Companion is legally required to attend a legal proceeding during the Trip, provided the attendance is not in the course of their occupation;

d) The Insured or a Traveling Companion is called to active military service or as a reservist, or military leave is revoked or reassigned. The military leave for the dates of travel must have been approved prior to the Policy Effective Date;

e) The Insured, a Traveling Companion, or parent or legal guardian if the Insured is a Child, through no fault of his or her own is involuntarily terminated or laid off for more than 30 days. To qualify he or she must have been an active employee for the employer for at least 1 continuous year. Termination must occur following the Policy Effective Date. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons;

f) The Insured, a Traveling Companion, or parent or legal guardian if the Insured is a Child, has an involuntary employer-initiated transfer of 100 or more miles which requires the Insured’s Primary Residence to be relocated; provided that he or she has been an active employee with the same employer for at least 1 continuous year. Notification of the transfer by the employer to the Insured must occur after the Policy Effective Date;

g) A Named Storm causing cancellation or interruption of travel to the Insured’s Destination that is Inaccessible or Uninhabitable. A Named Storm becomes foreseeable on the date it is named by the National Oceanic and Atmospheric Administration (NOAA) or foreign equivalent. The Company will only pay benefits for Losses occurring more than 14 days from the Policy Effective Date and within 30 days after the Named Storm makes the Destination Uninhabitable or Inaccessible;

h) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the scheduled arrival or during the Trip;

i) The Financial Default of a Travel Supplier, provided all of the following conditions are met:
1) This policy is purchased within the Early Purchase Window; and
2) The default occurs more than 14 days following the Policy Effective Date.

The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit for FinancialDefault shown in the Schedule. If the Insured books with a comparable Travel Supplier, the Company will ay for the additional expenses to book with the new Travel Supplier.

The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, Travel Supplier, or firm that directly procured travel arrangements for the Insured.

TRIP CANCELLATION AND INTERRUPTION

Benefit will be provided for loss(es) incurred by the Insured for a covered Trip cancelled up to the date and time of departure or interrupted or delayed after the time and date of departure. A maximum benefit of up to the amount indicated in the Schedule of Benefits to cover certain expenses as listed below which result in the cancellation or interruption of Your Trip due to any of the following Unforeseen events:

Medical / Health

a) Any serious Injury, death, or Sickness;

(1) Occurring to You or a Traveling Companion, a Family Member traveling with You, that is so disabling as to cause a reasonable person to cancel or interrupt their Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip;

(2) Occurring to a Family Member not traveling with the You that is considered life-threatening, as certified by a Physician or they require Your immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;

(3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician;

(4) Sickness, Injury, death or hospitalization occurring to Your Host at Your Destination. A Physician must certify the Sickness or Injury;

Transportation and Accommodation

a) Financial Default of an airline, Cruise line, Common Carrier or tour operator provided that:

(1) The insurance was purchased within 15 days of Initial Trip Payment; and

(2) Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits.

The Insurer will not cover Losses resulting from a Financial Default of any person, organization, agency, or firm that solicited Your travel arrangements to you.

b) mechanical/equipment failure of a Common Carrier that occurs on a scheduled Trip Departure Date and causes complete cessation of Your travel and results in a Loss of 50% of Your Trip length;

c) Strike resulting in complete interruption of travel services at the point of departure or Destination;

Environment

a) Inclement Weather, if it causes delay or cancellation of travel.

b) You or a Traveling Companion’s Primary Residence being made Uninhabitable or inaccessible by Natural Disaster, vandalism, or burglary;

c) You or a Traveling Companion’s Destination being made Uninhabitable or Inaccessible by flood, tornado, earthquake, volcanic eruption, fire, wildfire, or blizzard that is due to natural causes;

d) a named hurricane causing cancellation or interruption of travel to Your Destination that is Inaccessible or Uninhabitable. Claims are not payable if a hurricane is foreseeable prior to Your effective date. A hurricane is foreseeable on the date it becomes a named storm. The Insurer will only pay the benefits for Losses occurring within 14 days after the named hurricane makes Your Destination Uninhabitable or Inaccessible.

Political / Violence

a) You or a Traveling Companion are hijacked, quarantined, subpoenaed, or required to serve on a jury;

b) You or a Traveling Companion is called to active military service or military leave is revoked or reassigned;

c) a Terrorist Incident in a City listed on Your itinerary within 30 days of Your scheduled arrival;

Work

a) You or a Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least 1 continuous year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons;

b) Cancel for Work Reasons coverage will be included for these additional Unforeseen events:

(1) You or Traveling Companion is required to work during his/her scheduled Trip. He/she must provide proof of requirement to work, such as a notarized statement signed by an officer of his/her employer. In the situation of self-employment, proof of self-employment and a notarized statement confirming that the Insured is unable to travel due to his or her job obligations will be required.

(2) You or Traveling Companion is directly involved in a merger, acquisition, government required product recall, or bankruptcy proceedings and must be currently employed by
the company that is involved in said event;

(3) Your or Traveling Companion’s company is deemed to be unsuitable for business due to burglary, or Natural Disaster and the Insured or Traveling Companion is directly involved as a Key Employee of the disaster recovery team.

This coverage applies only if insurance was purchased within 15 days of Initial Trip Payment.

SPECIAL NOTIFICATION OF CLAIM

You must notify Tin Leg within 72 hours or as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the travel supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circumstance that prevented timely notification.

Trip Interruption Benefits: The Company will reimburse You up to the Maximum Limit shown in the Schedule for Trips that are interrupted due to the Unforeseen events shown above for:

a) Unused portion of non-refundable pre-paid insured Trip Cost; and

b) additional transportation expenses incurred by You, either to the Return Destination; or from the place that You left the Trip to the place that You may rejoin the Trip; or

c) additional transportation expenses incurred by You to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date.

However, the benefit payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket, less any refunds paid or payable, by the most direct route.

Trip Interruption – Return Air Only: The Company will reimburse You up to the Maximum Limit shown on the Schedule for the additional transportation expenses incurred to reach the Return Destination due to one of the Unforeseen events listed in the Trip Cancellation/Trip Interruption section. However, the benefit payable will not exceed the cost of economy airfare (or the same class as the Insured’s original ticket) less any refunds paid or payable and taken by the most direct route.

Benefits paid for Trip Interruption – Return Air Only cannot be combined with Trip Interruption Benefits.

SINGLE OCCUPANCY BENEFIT

The Company will reimburse You, up to the Trip Cancellation and Trip Interruption Maximum Limit shown in the Schedule, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with You has his/her Trip canceled or interrupted due to any of the Unforeseen events shown in the Trip Cancellation and Trip Interruption section and You do not cancel.

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.

Single Occupancy Benefit: If the Insured prepaid for shared accommodations and their Traveling Companion cancels their Trip due to one or more of the Unforeseen Covered Events, the Company will reimburse any additional accommodation fees the Insured is required to pay.

SPECIAL NOTIFICATION OF CLAIM
The Insured must notify the Travel Supplier and the Travel Insurance Administrator or an agent of the company within 72 hours or as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, the Insured must provide proof of the circumstance that prevented timely notification.

UNFORESEEN COVERED EVENTS

Medical / Health

a) Injury or Sickness:
1) Occurring to the Insured or a Traveling Companion that is so disabling as to cause a reasonable person to cancel or interrupt their Trip, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing continued participation in the Trip;
2) Occurring to a Family Member not traveling that is considered life-threatening, as certified by a Physician or they require the Insured’s immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;
3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician; or
4) Occurring to the Insured’s Host At Destination. A Physician must certify the Sickness or Injury.

b) Death of the Insured, Traveling Companion, Family Member, Business Partner, or Host At Destination.

c) The Insured or Traveling Companion, or their Child, is Quarantined.

Environment

a) Inclement Weather which causes delay or cancellation of travel;

b) The Insured’s, or a Traveling Companion’s Primary Residence being made Uninhabitable by Natural Disaster, Named Storm, vandalism, or burglary;

c) The Destination being made Uninhabitable or Inaccessible by Natural Disaster, vandalism, or burglary;

d) A Named Storm causing cancellation or interruption of travel to the Insured’s Destination that is Inaccessible or Uninhabitable. A Named Storm becomes foreseeable on the date it is named by the National Oceanic and Atmospheric Administration (NOAA) or foreign equivalent. The Company will only pay benefits for Losses occurring more than 14 days from the Policy Effective Date and within 30 days after the Named Storm makes the Destination Uninhabitable or Inaccessible.

Other

a) The Insured or a Traveling Companion is directly involved in a traffic accident (not including a mechanical breakdown), while en route to the Insured’s Destination. The traffic accident must be substantiated by a police report;

b) Mechanical/equipment failure of a Common Carrier that occurs on the scheduled Trip Departure Date;

c) Strike of a Common Carrier the Insured is scheduled to travel on, resulting in complete interruption of travel services at the point of departure or Destination. If comparable Travel Suppliers are available, coverage will be limited to the additional expenses, change fees, and increase in fare (if any) to book with the new Travel Supplier;

d) The Insured or a Traveling Companion is a traveler on a hijacked aircraft, train, vehicle or vessel;

e) The Insured or a Traveling Companion is legally required to attend a legal proceeding during the Trip, provided the attendance is not in the course of their occupation;

f) The Insured or a Traveling Companion is called to active military service or as a reservist, or military leave is revoked or reassigned. The military leave for the dates of travel must have been approved prior to the Policy Effective Date;

g) The Insured’s Host at Destination is called to active military service or as a reservist, or military leave is revoked or reassigned. The military leave for the dates of travel must be approved prior to the Policy Effective Date;

h) The Insured or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to the Departure Date. No coverage is provided for Felonious Assault committed by another Insured, Family Member, Traveling Companion or Traveling Companion’s Family Member;

i) The Insured, a Traveling Companion, or parent or legal guardian if the Insured is a Child, through no fault of his or her own is involuntarily terminated or laid off for more than 30 days. To qualify he or she must have been an active employee for the employer for at least 1 continuous year. Termination must occur following the Policy Effective Date. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons;

j) The Insured, a Traveling Companion, or parent or legal guardian if the Insured is a Child, has an involuntary employer-initiated transfer of 100 or more miles which requires the Insured’s Primary Residence to be relocated; provided that he or she has been an active employee with the same employer for at least 1 continuous year. Notification of the transfer by the employer to the Insured must occur after the Policy Effective Date;

k) A Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the scheduled arrival or during the Trip;

l) The Financial Default of a Travel Supplier, provided all of the following conditions are met:
1) This policy is purchased within the Early Purchase Window; and
2) The default occurs more than 14 days following the Policy Effective Date.

m) This rider applies only if this policy is purchased within the Early Purchase Window as listed on the Schedule.
Cancel for Work Reasons coverage will be included for these additional Unforeseen events:
1) the Insured or Traveling Companion is required to work during the scheduled Trip. They must provide proof of requirement to work, such as a notarized statement signed by an officer of their employer. This coverage is not available where the Insured or Traveling Companion is self-employed.
2) the Insured or Traveling Companion’s company is the subject of a merger, acquisition, government required product recall, or bankruptcy proceedings, and the Insured or Traveling Companion is directly involved. This coverage is not available where the Insured or Traveling Companion is self-employed.
3) the Insured’s or Traveling Companion’s company’s disaster recovery plan is activated, and the Insured or Traveling Companion is directly involved in the response.

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:

Medical / Health

a) Any serious Injury, death, or Sickness;

(1) Occurring to You or a Traveling Companion, a Family Member traveling with You, that isso disabling as to cause a reasonable person to cancel or interrupt their Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip;

(2) Occurring to a Family Member not traveling with You that is considered life-threatening, as certified by a Physician or they require Your immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;

(3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician;

(4) Sickness, Injury, death or hospitalization occurring to Your Host at Your Destination. A Physician must certify the Sickness or Injury;

Transportation and Accommodation

a) Financial Default of an airline, Cruise line, Common Carrier or tour operator provided that:

(1) The insurance was purchased within 15 days of Initial Trip Payment; and

(2) Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits.

The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, or firm that solicited Your travel arrangements to you.

b) You or a Traveling Companion are directly involved in or delayed due to a traffic accident, while en route to the Insured’s Destination. Traffic accident must be substantiated by a police report;

c) mechanical/equipment failure of a Common Carrier that occurs on a scheduled Trip Departure Date and causes complete cessation of Your travel and results in a Loss of 50% of Your Trip length;

d) Strike resulting in complete interruption of travel services at the point of departure or Destination;

Environment

a) Inclement Weather, if it causes delay or cancellation of travel;

b) You or a Traveling Companion’s Primary Residence being made Uninhabitable or Inaccessible by Natural Disaster, vandalism, or burglary;

c) You or a Traveling Companion’s Destination being made Uninhabitable or Inaccessible by flood, tornado, earthquake, volcanic eruption, fire, wildfire, or blizzard that is due to natural causes;

d) a named hurricane causing cancellation or interruption of travel to Your Destination that is Inaccessible or Uninhabitable. Claims are not payable if a hurricane is foreseeable prior to Your effective date. A hurricane is foreseeable on the date it becomes a named storm. The Company will only pay the benefits for Losses occurring within 14 days after the named hurricane makes Your Destination Uninhabitable or Inaccessible.

Political / Violence

a) You or a Traveling Companion are hijacked, quarantined, subpoenaed, or required to serve on a jury;

b) You or a Traveling Companion is called to active military service or military leave is revoked or reassigned;

c) a Terrorist Incident in a City listed on Your itinerary within 30 days of Your scheduled arrival. This coverage applies only if this plan was purchased with 15 days of Initial Trip Payment;

d) You or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to the Departure Date. No coverage is provided for Felonious Assault committed by a Traveling Companion or Traveling Companion’s Family Member;

Work

a) You or a Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least 1 continuous year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons;

b) Cancel for Work Reasons coverage will be included for these additional Unforeseen events:

1) You or Traveling Companion is required to work during his/her scheduled Trip. He/she must provide proof of requirement to work, such as a notarized statement signed by an officer of his/her employer. In the situation of self-employment, proof of self-employment and a notarized statement confirming that the Insured is unable to travel due to his or her job obligations will be required.

2) You or Traveling Companion is directly involved in a merger, acquisition, government required product recall, or bankruptcy proceedings and must be currently employed by the company that is involved in said event;

3) Your or Traveling Companion’s company is deemed to be unsuitable for business due to burglary, or Natural Disaster and the Insured or Traveling Companion is directly involved as a Key Employee of the disaster recovery team.

This coverage applies only if insurance was purchased within 15 days of Initial Trip Payment.

Other

a) cancellation of a scheduled event due to Inclement Weather prior to departing on the Trip provided attendance at the event was the sole reason for the Trip and the duration of the Trip does not exceed 48 hours before or after such an event;

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.

SPECIAL NOTIFICATION OF CLAIM

You must notify The Travel Insurance Administrator within 72 hours or as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim.

The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the travel supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circumstance that prevented timely notification.

Trip Interruption Benefits: The Company will reimburse You up to the Maximum Limit shown in the Schedule for Trips that are interrupted due to the Unforeseen events shown above for:

a) Unused portion of non-refundable pre-paid insured Trip Cost; and

b) additional transportation expenses incurred by You, either to the Return Destination; or from the place that You left the Trip to the place that You may rejoin the Trip; or

c) additional transportation expenses incurred by You to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date.

However, the benefit payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket, less any refunds paid or payable, by the most direct route.

Trip Interruption – Return Air Only: The Company will reimburse You up to the Maximum Limit shown on the Schedule for the additional transportation expenses incurred to reach the Return Destination due to one of the Unforeseen events listed in the Trip Cancellation/Trip Interruption section. However, the benefit payable will not exceed the cost of economy airfare (or the same class as the Insured’s original ticket) less any refunds paid or payable and taken by the most direct route.

Benefits paid for Trip Interruption – Return Air Only cannot be combined with Trip Interruption Benefits.

SINGLE OCCUPANCY BENEFIT

The Company will reimburse You, up to the Trip Cancellation and Trip Interruption Maximum Limit shown in the Schedule, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with You has his/her Trip canceled or interrupted due to any of the Unforeseen events shown in the Trip Cancellation and Trip Interruption section and You do not cancel.

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.

Single Occupancy Benefit: If the Insured prepaid for shared accommodations and their Traveling Companion cancels their Trip due to one or more of the Unforeseen Covered Events, the Company will reimburse any additional accommodation fees the Insured is required to pay.

SPECIAL NOTIFICATION OF CLAIM

The Insured must notify the Travel Supplier and the Travel Insurance Administrator or an agent of the company within 72 hours or as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, the Insured must provide proof of the circumstance that prevented timely notification.

UNFORESEEN COVERED EVENTS:

Medical / Health

a) Injury or Sickness:
(1) Occurring to the Insured or a Traveling Companion that is so disabling as to cause a reasonable person to cancel or interrupt their Trip, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing continued participation in the Trip;
(2) Occurring to a Family Member not traveling that is considered life-threatening, as certified by a Physician or they require the Insured’s immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;
(3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician; or
(4) Occurring to the Insured’s Host At Destination. A Physician must certify the Sickness or Injury.

b) Death of the Insured, Traveling Companion, Family Member, Business Partner, or Host At Destination.

c) The Insured or Traveling Companion, or their Child, is Quarantined.

Environment

a) Inclement Weather which causes delay or cancellation of travel;

b) The Insured’s, or a Traveling Companion’s Primary Residence being made Uninhabitable by Natural Disaster, Named Storm, vandalism, or burglary;

c) The Destination being made Uninhabitable or Inaccessible by Natural Disaster, vandalism, or burglary;

d) A Named Storm causing cancellation or interruption of travel to the Insured’s Destination that is Inaccessible or Uninhabitable. A Named Storm becomes foreseeable on the date it is named by the National Oceanic and Atmospheric Administration (NOAA) or foreign equivalent. The Company will only pay benefits for Losses occurring more than 14 days from the Policy Effective Date and within 30 days after the Named Storm makes the Destination Uninhabitable or Inaccessible.

Other

a) The Insured or a Traveling Companion is directly involved in a traffic accident (not including a mechanical breakdown), while en route to the Insured’s Destination. The traffic accident must be substantiated by a police report;

b) Mechanical/equipment failure of a Common Carrier that occurs on the scheduled Trip Departure Date;

c) Strike of a Common Carrier the Insured is scheduled to travel on, resulting in complete interruption of travel services at the point of departure or Destination. If comparable Travel Suppliers are available, coverage will be limited to the additional expenses, change fees, and increase in fare (if any) to book with the new Travel Supplier;

d) The Insured or a Traveling Companion is a traveler on a hijacked aircraft, train, vehicle or vessel;

e) The Insured or a Traveling Companion is legally required to attend a legal proceeding during the Trip, provided the attendance is not in the course of their occupation;

f) The Insured or a Traveling Companion is called to active military service or as a reservist, or military leave is revoked or reassigned. The military leave for the dates of travel must have been approved prior to the Policy Effective Date;

g) The Insured’s Host at Destination is called to active military service or as a reservist, or military leave is revoked or reassigned. The military leave for the dates of travel must be approved prior to the Policy Effective Date;

h) The Insured or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to the Departure Date. No coverage is provided for Felonious Assault committed by another Insured, Family Member, Traveling Companion or Traveling Companion’s Family Member;

i) The Insured, a Traveling Companion, or parent or legal guardian if the Insured is a Child, through no fault of his or her own is involuntarily terminated or laid off for more than 30 days. To qualify he or she must have been an active employee for the employer for at least 1 continuous year. Termination must occur following the Policy Effective Date. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons;

j) The Insured, a Traveling Companion, or parent or legal guardian if the Insured is a Child, has an involuntary employer-initiated transfer of 100 or more miles which requires the Insured’s Primary Residence to be relocated; provided that he or she has been an active employee with the same employer for at least 1 continuous year. Notification of the transfer by the employer to the Insured must occur after the Policy Effective Date;

k) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the scheduled arrival or during the Trip;

l)This rider applies only if this policy is purchased within the Early Purchase Window as listed on the Schedule.
The Financial Default of a Travel Supplier, provided all of the following conditions are met:
(1) This policy is purchased within the Early Purchase Window; and
(2) The default occurs more than 14 days following the Policy Effective Date.

The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit for Financial Default shown in the Schedule. If the Insured books with a comparable Travel Supplier, the Company will pay for the additional expenses to book with the new Travel Supplier. The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, Travel Supplier, or firm that directly procured travel arrangements for the Insured.

m) This rider applies only if this policy is purchased within the Early Purchase Window as listed on the Schedule.
Cancel for Work Reasons coverage will be included for these additional Unforeseen events:

(1) the Insured or Traveling Companion is required to work during the scheduled Trip. They must provide proof of requirement to work, such as a notarized statement signed by an officer of their employer. This coverage is not available where the Insured or Traveling Companion is self-employed.
(2) the Insured or Traveling Companion’s company is the subject of a merger, acquisition, government required product recall, or bankruptcy proceedings, and the Insured or Traveling Companion is directly involved. This coverage is not available where the Insured or Traveling Companion is self employed.
(3) the Insured’s or Traveling Companion’s company’s disaster recovery plan is activated, and the Insured or Traveling Companion is directly involved in the response.

TRIP INTERRUPTION

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

We will pay You:

a) for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s);

b) additional transportation expenses incurred by You; or

c) return air travel up to the lesser of the cost of an economy flight or the amount shown on the Schedule of Benefits.

In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

The Following are the Unforeseen Events for Trip Cancellation and Trip Interruption:

a) Your Accidental Injury, Covered Sickness or death or the Accidental Injury, Covered Sickness or death of Your Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; that results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) An Accidental Injury incurred by You that causes You to be medically unable to continue Your trip’s activity(ies). An actual examination by a Physician must take place and the Physician must advise You to discontinue the trip’s activity(ies).

c) Inclement weather, Natural Disasters, Terrorist Attacks or mechanical breakdown of the Common Carrier that results in the complete cessation of travel services at the point of departure or destination for at least 48 consecutive hours.

d) Mandatory evacuation ordered by local authorities at Your destination due to a Natural Disaster. You must have 50% or less of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.

e) Natural Disaster or documented man-made disaster at the point of departure or Your destination that renders Your primary residence or the accommodations at Your destination uninhabitable.

f) Adverse weather or Natural Disaster resulting in the obstruction of public roadways or curtailment of public transportation, that prevents Your ability to arrive at Your Land/Sea Arrangements.

g) A road closure causing a delay in reaching Your destination for at least 12 hours.

h) Strike that causes complete cessation of travel services of Your Common Carrier for at least 48 consecutive hours.

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

j) The airport terminal from which You are scheduled to fly, is closed due to a documented security breach within 12 hours of arrival at the terminal or while You are physically at the terminal.

k) A politically motivated Terrorist Attack that occurs within 30 days of Your departure and within 50 miles of a City listed on Your itinerary. The Terrorist Attack must occur on or after the Effective Date of Your Trip Cancellation Coverage.

l) A documented theft of passports or visas. Documented means that You have reported the theft to the local authorities.

m) You or Your Traveling Companion being directly involved in or delayed due to a traffic Accident substantiated by a police report, while en route to departure.

n) You and/or Your Traveling Companion are hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer; the victim of felonious assault; having Your principal place of residence made inaccessible and uninhabitable by a Natural Disaster; or burglary or vandalism of Your principal place of residence within 10 days of departure.

o) You or Your Traveling Companion are called to active military duty after the Effective Date.

p) You have, or Your Traveling Companion has, a previously approved military leave revoked or experience a military reassignment.

q) Your transfer, within thirty (30) days of the date of Your Covered Trip, by the employer with which You are employed on the Effective Date that requires relocation of Your principal residence.

r) Your Traveling Companion’s transfer, within thirty (30) days of the date of Your Covered Trip, by the employer with which Your Traveling Companion is employed on the Effective Date that requires relocation of Your Traveling Companion’s principal residence.

s) After at least three (3) years of full time continuous employment at the same company, You are terminated or laid-off from full time employment at such company within thirty (30) days of the date of Your Covered Trip.

t) After at least three (3) years of full time continuous employment at the same company, Your Traveling Companion is terminated or laid-off from full time employment at such company within thirty (30) days of the date of Your Covered Trip.

TRIP INTERRUPTION

We will pay you up to the maximum amount shown in the schedule of benefits for loss(es) incurred by you or your traveling companion for a covered trip interrupted after the date and time of departure due to any of the following unforeseen events:

Health and Family

a. Any injury, death, or any unforeseen serious medical condition or sickness;

1. Occurring to you, your traveling companion, or a family member traveling with you, that is so disabling as to cause a reasonable person to interrupt their covered trip which results in medically imposed restrictions as certified by a physician at the time of loss preventing your continued use of the covered trip;

2. Occurring to a family member not traveling with you that is considered life-threatening, as certified by a physician or they require your immediate care. Such disability must be so disabling as to reasonably cause a covered trip to be interrupted and must be certified by a physician;

b. You or your traveling companion have complications of pregnancy. The onset of these conditions must occur after your effective date and must be verified by medical records.

Transportation and Accommodation

a. You or your traveling companion are delayed due to a traffic accident while en route to your destination. The traffic accident must be substantiated by a police report;

b. Strike causing cancellation or delay of your pre-arranged travel services for at least twenty-four (24) consecutive hours; that causes complete cessation of services of your common carrier for at least forty-eight (48) consecutive hours;

c. Your owned or rented vehicle is stolen during the covered trip. The theft must be reported to local authorities within forty-eight (48) hours; and

d. Complete or partial closure of the air traffic control tower or the airport from which you are scheduled to depart. Closure must be caused by fire or a power outage, and must result in a delay of your covered trip for at least forty-eight (48) consecutive hours. This does not apply to closures caused by a natural disaster or inclement weather.

Weather

a. Weather at the departure site which causes complete cessation of services of your common carrier for at least forty-eight (48) consecutive hours and prevents you from reaching your destination.

Personal Safety and Security

a. You and/or your traveling companion being hijacked, quarantined in the location where you are intending to travel, required to serve on a jury, subpoenaed, or required to appear as a witness in a legal action, provided you are or your traveling companion is not a party to the legal action or appearing as a law enforcement officer or the victim of felonious assault within ten (10) days of departure;

b. You or your traveling companion are the victim of a felonious assault during the covered trip;

c. Theft of passports, travel documents, or visas specifically required for your covered trip within fourteen (14) days of the return date. The theft must be substantiated by a police report;

d. Interruption of a covered trip as a result of: riot or civil disorder for at least forty-eight (48) consecutive hours preventing you from reaching your destination.

Military

a. You or your traveling companion are called to active military duty to provide aid or relief in the event of a natural disaster, or military leave is revoked or reassigned within thirty (30) days of the scheduled departure date, except because of war, the War Powers Act, or disciplinary action. The military leave for the dates of travel must have been approved prior to the effective date.

We will pay a benefit to reimburse you for any of the expenses listed below, up to the maximum limit shown in the schedule of benefits, for covered trips that are interrupted due to any of the unforeseen events listed above:

a. Cancellation penalties, prepaid, nonrefundable trip costs for unused travel arrangements, and

b. Additional transportation expenses incurred by you (not to exceed the same class as your original ticket or the cost of economy airfare, less any refunds paid or payable) for travel by the most direct route to:

1. The return destination; or

2. Your destination, or to a place where you can continue your covered trip.

Trip Interruption Exclusions:

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

a. Travel arrangements canceled by an airline, charter, cruise line, or tour operator, except as provided elsewhere in the plan;

b. Changes in plans by you, a family member, or your traveling companion, for any reason;

c. Financial circumstances of you, a family member, or your traveling companion;

d. Any business or contractual obligations of you, a family member, or your traveling companion, for any reason;

e. Any government regulation or prohibition;

f. An event which occurs prior to your coverage effective date;

g. Failure of any tour operator, common carrier, person or agency to provide the bargained-for travel arrangements or to refund money due you;

h. Financial default; and

i. Traveling for the purpose of securing medical treatment.

SINGLE OCCUPANCY

We will reimburse you, up to the Trip Cancellation or Trip Interruption maximum amount shown in the schedule of benefits, for the additional cost incurred during the covered trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with you has his/her trip canceled, or interrupted due to any of the unforeseen events shown in the Trip Cancellation and Trip Interruption section and you do not cancel.

TRIP INTERRUPTION

We will pay you up to the maximum amount shown in the schedule of benefits for loss(es) incurred by you or your traveling companion for a covered trip interrupted after the date and time of departure due to any of the following unforeseen events:

Health and Family

a. Any injury, death, or any unforeseen serious medical condition or sickness;

1. Occurring to you, your traveling companion, a family member traveling with you or service animal, that is so disabling as to cause a reasonable person to interrupt their covered trip which results in medically imposed restrictions as certified by a physician at the time of loss preventing your continued use of the covered trip;

2. Occurring to a family member not traveling with you that is considered life-threatening, as certified by a physician or they require your immediate care. Such disability must be so disabling as to reasonably cause a covered trip to be interrupted and must be certified by a physician;

3. Occurring to a business partner that is so disabling as to cause a reasonable person to interrupt their covered trip to assume daily management of the business. Such disability must be certified by a physician;

4. Occurring to the guide/outfitter for your covered trip. The benefit applies if the guide/outfitter is the only one available for the covered trip; and the sickness or injury must be certified by a physician;

5. Sickness, injury, death or hospitalization occurring to your host at destination. A physician must certify the sickness or injury; or

6. Occurring to a childcare provider if there is no other substitute for the childcare provider. A physician must certify the sickness or injury;

b. You will be attending a family member’s or surrogate mother’s childbirth. The pregnancy must occur after the effective date and must be verified by medical records;

c. You or your traveling companion have complications of pregnancy. The onset of these conditions must occur after your effective date and must be verified by medical records; and

d. You are on a list as a donor or recipient for an organ transplant and, after the effective date, receive official notification that an organ match is available for immediate transplant. The transplant must be considered medically necessary, and a physician must confirm that the transplant and/or surgery is so disabling as to prevent travel.

Transportation and Accommodation

a. You or your traveling companion are delayed due to a traffic accident while en route to your destination. The traffic accident must be substantiated by a police report;

b. Strike causing cancellation or delay of your pre-arranged travel services for at least twenty-four (24) consecutive hours; that causes complete cessation of services of your common carrier for at least forty-eight (48) consecutive hours;

c. Mechanical/Equipment failure of a common carrier which results in a delay of your covered trip for at least forty-eight (48) consecutive hours;

d. Your owned or rented vehicle is stolen during the covered trip. The theft must be reported to local authorities within forty-eight (48) hours; and

e. Complete or partial closure of the air traffic control tower or the airport from which you are scheduled to depart. Closure must be caused by fire or a power outage, and must result in a delay of your covered trip for at least forty-eight (48) consecutive hours. This does not apply to closures caused by a natural disaster or inclement weather.

Weather

a. A named hurricane making your primary residence uninhabitable or making the destination inaccessible or uninhabitable. Coverage for a hurricane applies only if insurance was purchased prior to the tropical storm first being upgraded to a hurricane. We will only pay the benefits for losses occurring within thirty (30) days after the named hurricane makes your destination uninhabitable or inaccessible;

b. Weather at the departure site which causes complete cessation of services of your common carrier for at least forty-eight (48) consecutive hours and prevents you from reaching your destination; and

c. The destination is placed under a hurricane warning, as issued by the NOAA hurricane center, after the departure date.

Personal Safety and Security

a. You and/or your traveling companion being hijacked, quarantined in the location where you are intending to travel, required to serve on a jury, subpoenaed, or required to appear as a witness in a legal action, provided you are or your traveling companion is not a party to the legal action or appearing as a law enforcement officer or the victim of felonious assault within ten (10) days of departure;

b. You or your traveling companion are the victim of a felonious assault during the covered trip;

c. Theft of passports, travel documents, or visas specifically required for your covered trip within fourteen (14) days of the return date. The theft must be substantiated by a police report;

d. A politically motivated terrorist incident occurs within thirty (30) days of your scheduled departure date and within a fifty (50) mile radius of the territorial city limits of the foreign city to be visited as shown in your itinerary; and

e. Interruption of a covered trip as a result of: riot or civil disorder for at least forty-eight (48) consecutive hours preventing you from reaching your destination.

Military

a. You or your traveling companion are called to active military duty to provide aid or relief in the event of a natural disaster, or military leave is revoked or reassigned within thirty (30) days of the scheduled departure date, except because of war, the War Powers Act, or disciplinary action. The military leave for the dates of travel must have been approved prior to the effective date.

We will pay a benefit to reimburse you for any of the expenses listed below, up to the maximum limit shown in the schedule of benefits, for covered trips that are interrupted due to any of the unforeseen events listed above:

a. Cancellation penalties, prepaid, nonrefundable trip costs for unused travel arrangements, and

b. Additional transportation expenses incurred by you (not to exceed the same class as your original ticket or the cost of economy airfare, less any refunds paid or payable) for travel by the most direct route to:

1. The return destination; or

2. Your destination, or to a place where you can continue your covered trip.

SINGLE OCCUPANCY

We will reimburse you, up to the Trip Cancellation or Trip Interruption maximum amount shown in the schedule of benefits, for the additional cost incurred during the covered trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with you has his/her trip canceled, or interrupted due to any of the unforeseen events shown in the Trip Cancellation and Trip Interruption section and you do not cancel.

TRIP INTERRUPTION

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

Trip Interruption Covered Expenses

a. Forfeited, prepaid, non-refundable, and non-refunded published Payments that You paid for Your unused Land/Sea/Air Arrangements;
b. Airfare cancellation charges for flights in connection with Your Trip;
c. Additional transportation expenses incurred to reach the Return Destination. Benefits will not exceed the cost of airfare (the same class airfare on which You were originally booked) less any refunds paid or payable;
d. Additional transportation expenses incurred by You, for travel by the most direct route to:

i Your scheduled Destination if Your departure is delayed and You leave after the Scheduled Departure Date and time;
ii Rejoin Your Trip in progress from the point where You interrupted Your Trip;
iii The Return Destination of Your Trip.

Benefits payable for additional transportation expenses will not exceed the cost of airfare (the same class airfare on which You were originally booked) less any refunds paid or payable.

The following are the Unforeseen Events for Trip Interruption:

Health and Family

1. Any Injury or Sickness:

Suffered by You, Your Traveling Companion or Your or Your Traveling Companion’s Immediate Family Member, that is so disabling as to cause a reasonable person to interrupt the Covered Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Covered Trip;

2. Your Death or the Death of Your Traveling Companion or Your Immediate Family Member.

3. An Accidental Injury incurred by You that causes You to be medically unable to continue Your Covered Trip’s activity(ies). An actual examination by a Physician must take place and the Physician must advise You to discontinue the Trip’s activity(ies).

Transportation and Accommodation

4. A road closure causing a delay in reaching Your Destination for at least 24 hours. In order to receive benefits for the unused arrangements after the Destination is restored for use, You must have 50% of Your total Trip length or less remaining at the time the Destination becomes accessible. We will only pay benefits for losses occurring within 30 calendar days of the delaying event.

5. Strike that causes complete cessation of travel services of Your Common Carrier for at least 48 consecutive hours.

6. Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended Destination. This coverage only applies if the Policy was purchased within 14 calendar days of the Initial Trip Payment.

Weather

7. Inclement Weather, Natural Disasters, Terrorist Incident or the Common Carrier’s mechanical breakdown that results in the complete cessation of travel services at the point of departure or Destination for at least 24 consecutive hours.

8. Mandatory evacuation ordered by local authorities at Your Destination due to a Natural Disaster. You must have 50% or less of Your Covered Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable. We will only pay benefits for losses occurring within 30 calendar days after the evacuation order goes into effect.

9. Natural Disaster or documented man-made disaster at the point of departure or Your Destination that renders Your Primary Residence or the accommodations at Your Destination Uninhabitable. We will only pay benefits for losses occurring within 30 calendar days after the Natural Disaster.

10. Adverse weather or Natural Disaster resulting in the obstruction of public roadways or curtailment of public transportation, that prevents Your ability to arrive at Your Land/Sea/Air Arrangements.

Legal

11. You and/or Your Traveling Companion are required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer.

Personal Safety and Security

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

13. A documented theft of passports or visas. Documented means that You have reported the theft to the local authorities.

14. You and/or Your Traveling Companion are hijacked.

15. You and/or Your Traveling Companion are Quarantined.

TRIP INTERRUPTION

Benefits will be paid, up to the lesser of a) the Maximum Benefit Amount shown in the Confirmation of Benefits; or b) 150% of the total amount of coverage You purchased, to reimburse You for the Prepaid Payments for unused non-refundable Travel Arrangements plus the Additional Transportation Cost paid:

a) to join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements by the most direct route possible to reach Your Trip destination (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket); or

b) to rejoin Your Trip or transport You to Your originally scheduled return destination, if You must interrupt Your Trip after departure, each by the most direct route possible. (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket)

Trip Interruption must be due to:

1. Your, Your Family Member’s, Your Traveling Companion’s, Your Traveling Companion’s Family Member, Your Business Partner’s or Your Business Partners Family Member’s death, which occurs while You are on Your Trip;

2. Your, Your Family Member’s, Your Traveling Companion’s, Your Traveling Companion’s Family Member, Your Business Partner’s or Your Business Partners Family Member’s covered Sickness or Injury which: a) occurs while You are on Your Trip, b) requires Medical Treatment at the time of interruption resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and c) prevents Your continued participation on Your Trip;

3. For the Other Covered reasons listed below;

provided such circumstances occur while coverage is in effect.

Additional Trip Interruption Benefits:

If Your Traveling Companion must remain hospitalized, benefits will also be paid for reasonable accommodation, telephone call and local transportation expenses incurred by You to remain with Your Traveling Companion up to $200 per day, limited to 10 days.

If You cannot continue travel due to a covered Injury or Sickness not requiring hospitalization and You must extend Your Trip due to medically imposed restrictions, as certified by a Legally Qualified Physician, benefits will be paid for additional hotel nights, meal(s), telephone call and local transportation expenses.

If You interrupt Your Trip for a Covered reason, We will also reimburse You, up to $500, for the amount of unused, forfeited, non-refundable payments for shore excursions; theater, concert or event tickets or fees; or sightseeing if such arrangements are made during Your Trip and are to be used prior to the Scheduled return Date of Your Trip.

The maximum payable under this Trip Interruption Benefit is the lesser of 150% of the total amount of coverage You purchased or 150% of the Maximum Benefit Amount shown in the Confirmation of Benefits.

Single Supplement

Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for Prepaid Travel Arrangements if a Traveling Companion’s or Family Member’s Trip is interrupted for a Covered reason and You do not interrupt Your Trip.

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

“Other Covered Reasons” means:

a) You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);

b) Your or Your Traveling Companion’s primary place of residence or destination being rendered uninhabitable and remaining uninhabitable during Your scheduled Trip by fire, flood, burglary or other Natural Disaster. Your destination is uninhabitable if: (i) the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail, or flood; (iii) immediate safety hazards have yet to be cleared such as debris on roofs or downed electrical lines; or (iv) the rental property is without electricity or water. Benefits are not payable if a storm, snow storm, blizzard or hurricane is named on or before the Effective Date of Your Trip Cancellation coverage;

c) Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire, flood, burglary or other Natural Disaster and You and/or Your Traveling Companion are required to work as a result.

d) a documented theft of passports or visas;

e) a permanent transfer of employment of 250 miles or more by You or Your Traveling Companion by the employer from whom You or Your Traveling Companion are employed on Your Effective Date which requires Your or Your Traveling Companion’s principal residence to be relocated;

f) You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;

g) unannounced Strike that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You are scheduled to travel;

h) Inclement Weather that causes complete cessation of services for at least 24 consecutive hours of the Common Carrier on which You are scheduled to travel;

i) You or Your Traveling Companion or Your Family Member is in the military and called to emergency duty for a national disaster other than war;

j) involuntary employer termination or layoff of You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year;

k) a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip;

l) revocation of Your or Your Traveling Companion’s previously granted military leave or re-assignment. Official written revocation/re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required;

m) Bankruptcy or Default of an airline, cruise line, tour operator or other travel provider (other than the Travel Supplier, tour operator, travel agency, organization or firm from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if the Policy has been purchased within 21 days of the date Your initial deposit/payment for Your Trip is received;

n) Your family or friends living abroad with whom You are planning to stay are unable to provide accommodations due to life threatening illness, life threatening injury or death of one of them;

o) You, Your Traveling Companion or a Family Member traveling with You is required to work during the Trip. A written statement by an unrelated company official and/or the human resources department demonstrating revocation of previously approved time off will be required. This provision is not applicable to temporary employment, independent contractors or self-employed persons;

p) Mandatory evacuation ordered by local government authorities at Your Trip destination (or official public evacuation notices or recommendations without a mandatory evacuation order issued) due to adverse weather or Natural Disaster;

q) felonious assault of You or Your Traveling Companion within 10 days of the Scheduled Departure Date;

r) You or Your Traveling Companion are directly involved in the merger of Your employer or the acquisition of Your employer by another company. You , Your Traveling Companion or Family Member cannot be a company owner or partner;

s) a cancellation of Your Trip within 48 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 14 days following Your Effective Date of coverage for the Trip Cancellation Benefits;

t) the primary or secondary school that You , Your Family Member or Traveling Companion attends extends its operating session beyond the predefined school year to fall within the period of the travel dates of Your Trip due to unforeseeable events which commence while Your coverage is in effect. Extensions due to extra-curricular or athletic events are not covered;

u) a cancellation of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.

v) Your or Your Traveling Companion’s normal pregnancy or attending the childbirth of Your Family Member. The pregnancy must occur after the Policy Effective Date and be verified by medical records;

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

TRIP INTERRUPTION

If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to:

a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements;

b) rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or

c) transport You to Your originally scheduled Return Destination of Your Trip;

The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets.

Trip Interruption must occur while coverage is in effect for You due to any of the following covered Unforeseen reasons, as defined:

1. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, a Business Partner’s Family Member’s, or a Service Animal’s death, which occurs while You are on Your Trip; or

2. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, a Business Partner’s Family Member’s, or a Service Animal’s Sickness or Injury, that:

a) occurs while You are on Your Trip;

b) is examined and treated by a Physician or Veterinarian prior to the time of interruption unless it is not reasonably possible to do so; and

c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on Your Trip;

3. You or Your Traveling Companion must interrupt Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect:

Other Covered Events means:

1. You or Your Traveling Companion must interrupt Your Trip due to a normal pregnancy or childbirth. The date of conception as verified by medical records must occur after Your Effective Date for Trip Cancellation;

2. You or Your Traveling Companion are attending the childbirth of Your Family Member or surrogate mother, provided the conception occurs after Your Effective Date for Trip Cancellation and must be verified by medical records;

3. mandatory evacuation ordered or recommended by local government authorities at Your Scheduled Destination due to a Natural Disaster which prevents You from traveling to/arriving at Your Scheduled Destination;

4. an unannounced Strike resulting in complete cessation of travel services for at least 24 consecutive hours of the Common Carrier on which You are scheduled to travel which prevents You from reaching Your Scheduled Destination;

5. You or Your Traveling Companion are directly involved in a traffic accident, while en route to Your Scheduled Trip Departure City. The traffic accident must be documented by a police report;

6. Inclement Weather that causes a delay or cancellation by a Common Carrier for at least 6 consecutive hours;

7. Your or Your Traveling Companion’s Primary Residence or Scheduled Destination are made Uninhabitable and remains Uninhabitable during Your Trip by a Natural Disaster or burglary; Claims are not payable if a hurricane is foreseeable prior Your Effective Date for Trip Interruption. A hurricane is foreseeable on the date it becomes a named storm.

8. Your Scheduled Destination is under a hurricane warning, as issued by the NOAA Hurricane Center, after Your Scheduled Departure Date;

9. You or You Traveling Companion are hijacked or Quarantined;

10. You or Your Traveling Companion are subpoenaed, served with a court order, required to serve on a jury, or required to appear as a witness in a legal action, provided You or Your Traveling Companion are not: 1) a party to the legal action; except 2) appearing in a law enforcement capacity;

11. You or Your Traveling Companion or Family Member are called to active military duty or emergency service as a reservist, firefighter or police officer either to serve or to provide aid or relief in the event of a Natural Disaster, a Civil Disorder, or Terrorist Incident other than war;

12. Your or Your Traveling Companion’s previously granted military leave is revoked or reassigned while You or Your Traveling Companion are on the Trip and You or Your Traveling Companion have to interrupt the Trip. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required. The military leave for the dates of travel must have been approved prior to the Effective Date of Trip Interruption coverage and the leave revoked or reassigned after the Effective Date of Trip Interruption coverage;

13. Your Host at Your Scheduled Destination being unable to provide Accommodations due to a life-threating Sickness or Injury, or due to his/her death;

14. a Terrorist Incident that occurs during Your Trip:

a. within 30 miles of the city listed on the scheduled itinerary of Your Trip;

b. provided Your Travel Supplier (if applicable) did not offer a substitute itinerary.

15. a theft or loss of passports or travel documents or visas while on Your Trip, specifically required for Your Trip, which is substantiated by a police report;

16. You or Your Traveling Companion are the victim of a Felonious Assault while on Your Trip;

17. A travel alert or travel warning for levels 4 and higher is issued, for cities listed on Your itinerary after Your Effective Date of Your Trip Interruption Coverage, to a Scheduled Destination specifically listed on Your Itinerary. The travel alert/warning, etc. must occur during Your scheduled Trip;

18. You or Your Traveling Companion have a transfer of employment within the same organization of 250 or more miles which requires Your or Your Traveling Companion’s Primary Residence to be relocated and You or Your Traveling Companion’s have to interrupt the Trip. Notification of the transfer must occur while You or Your Traveling Companion are on the Trip and the transfer must occur during the Trip. This provision is not applicable to temporary or seasonal employment, independent contractors, freelancer or self-employed persons;

19. You or Your Traveling Companion are involuntarily terminated or laid off by Your or Your Traveling Companion’s employer while You are on Your Trip, You or Your Traveling Companion must have been an active employee with the same employer for at least 1 year. This provision is not applicable to temporary or seasonal employment, independent contractors, freelancer or self-employed persons;

20. You or Your Traveling Companion are required to work during the Trip. Vacation leave must have been already approved by Your or Your Traveling Companion’s employer and cancellation of vacation leave must occur after the Trip Cancellation Effective Date. You or Your Traveling Companion must provide proof of requirement to work, such as a notarized statement signed by an officer of the employer. In the situation of self-employment, proof of self-employment with proof of Your or Your Traveling Companion’s 1099 and a notarized statement confirming You or Your Traveling Companion are unable to travel due to Your or Your Traveling Companion’s job obligations is required;

21. You or Your Traveling Companion are required to work during Your Trip and directly involved in a merger or acquisition. The company that is involved in said event must currently employ You or Your Traveling Companion and the action requires You or Your Traveling Companion to work as a result. You or Your Traveling Companion must be an active, full-time employee and cannot be a company owner or partner;

22. Your or Your Traveling Companion’s place of employment is deemed to be unsuitable for business due to burglary, vandalism or a Natural Disaster and You or Your Traveling Companion are directly involved as a member or as an employee of the disaster recovery team who is responsible for policy and decision making and are required to work as a result;

23. You or Your Traveling Companion legally adopt a Child and the date of the placement or adoption occurs during Your Trip;

24. a cancellation of a wedding which requires You to travel to attend the wedding that is 250 miles or more away from Your Primary residence and the cancellation occurs during Your Trip. Coverage does not apply if You are the bride or groom in the wedding. Benefits are limited to the individual Travel Arrangements, excluding all wedding related expenses;

25. Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including an Air Common Carrier, cruise line, tour operator, or other travel entity that cause a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than 14 days following Your Effective Date for Trip Interruption. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your Scheduled Destination;

26. disruption of Your Trip if Your arrival on the Trip is delayed and causes You to lose 50% or more of the scheduled Trip duration due to reasons covered under the Missed Connection benefit;

27. If You cannot continue on Your Trip due to a covered Injury or Sickness not requiring Hospitalization and You must extend Your Trip due to medically imposed restrictions, as certified by a treating Physician, benefits will be paid for additional hotel nights, meal(s), telephone call(s) and local transportation expenses until You are Medically Fit to Travel;

In no event shall the amount reimbursed for Trip Interruption exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

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

Additional Trip Interruption

1. If You must interrupt Your Trip because Your Traveling Companion is Hospitalized and must remain Hospitalized due to a covered Injury or Sickness for at least 1 days during Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the Reasonable Expenses incurred by You to remain with Your Traveling Companion after Your Scheduled Return Date.

2. If You interrupt Your Trip for a covered Unforeseen reason(s), We will also reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused non-refundable Payments or Deposits for shore excursions, theater, concert or Event Tickets or processing fees; or sightseeing if such arrangements are made during Your Trip and are to be used prior to the Scheduled Return Date of Your Trip.

Additional Trip Interruption Benefits are supplemental to benefits provided under Trip Interruption and Your total Trip Interruption coverage may not exceed the amount shown in the Schedule of Benefits.

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

SINGLE SUPPLEMENT

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the additional cost incurred as a result of a change in the per person occupancy rate for prepaid non-refundable Travel Arrangements if a person booked to share Accommodations with You cancels or interrupts his/her Trip due to any of the covered Unforeseen reasons or Other Covered Events shown in Your Trip Cancellation or Trip Interruption section(s) and You do not cancel or interrupt Your Trip.

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

TRIP INTERRUPTION

If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to:

a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; b) rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or c) transport You to Your originally scheduled Return Destination of Your Trip;

The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets.

Trip Interruption must occur while coverage is in effect for You due to any of the following covered Unforeseen reasons, as defined:

1. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Business Partner’s Family Member’s death, which occurs while You are on Your Trip; or

2. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Business Partner’s Family Member’s Sickness or Injury, that:
a) occurs while You are on Your Trip;
b) is examined and treated by a Physician prior to the time of interruption unless it is not reasonably possible to do so; and
c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on YourTrip;

3. You or Your Traveling Companion must interrupt Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect:

Other Covered Events means:

1. You or Your Traveling Companion must interrupt Your Trip due to a normal pregnancy or childbirth. The date of conception as verified by medical records must occur after Your Effective Date for Trip Cancellation;

2. an unannounced Strike resulting in complete cessation of travel services for at least 24 consecutive hours of the Common Carrier on which You are scheduled to travel which prevents You from reaching Your Scheduled Destination;

3. You or Your Traveling Companion are directly involved in a traffic accident, while en route to Your Scheduled Trip Departure City. The traffic accident must be documented by a police report;

4. Inclement Weather that causes a delay or cancellation by a Common Carrier for at least 6 consecutive hours;

5. Your or Your Traveling Companion’s Primary Residence or Scheduled Destination are made Uninhabitable and remains Uninhabitable during Your Trip by a Natural Disaster or burglary; Claims are not payable if a hurricane is foreseeable prior Your Effective Date for Trip Interruption. A hurricane is foreseeable on the date it becomes a named storm.

6. You or You Traveling Companion are hijacked or Quarantined;

7. You or Your Traveling Companion are subpoenaed, served with a court order, required to serve on a jury, or required to appear as a witness in a legal action, provided You or Your Traveling Companion are not: 1) a party to the legal action; except 2) appearing in a law enforcement capacity;

8. You or Your Traveling Companion or Family Member are called to active military duty or emergency service as a reservist, firefighter, or police officer either to serve or to provide aid or relief in the event of a Natural Disaster, a Civil Disorder, or Terrorist Incident other than war;

9. Your or Your Traveling Companion’s previously granted military leave is revoked or reassigned while You or Your Traveling Companion are on the Trip and You or Your Traveling Companion have to interrupt the Trip. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required. The military leave for the dates of travel must have been approved prior to the Effective Date of Trip Interruption coverage and the leave revoked or reassigned after the Effective Date of Trip Interruption coverage;

10. Your Host at Your Scheduled Destination being unable to provide Accommodations due to a life-threating Sickness or Injury, or due to his/her death;

11. a Terrorist Incident that occurs during Your Trip:
a. within 30 miles of the city listed on the scheduled itinerary of Your Trip;
b. provided Your Travel Supplier (if applicable) did not offer a substitute itinerary.

12. a theft or loss of passports or travel documents or visas while on Your Trip, specifically required for Your Trip, which is substantiated by a police report;

13. You or Your Traveling Companion are the victim of a Felonious Assault while on Your Trip;

14. You or Your Traveling Companion are involuntarily terminated or laid off by Your or Your Traveling Companion’s employer while You are on Your Trip, You or Your Traveling Companion must have been an active employee with the same employer for at least 1 year. This provision is not applicable to temporary employment, seasonal employment, independent contractors, freelancer or self employed persons;

In no event shall the amount reimbursed for Trip Interruption exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

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

SINGLE SUPPLEMENT

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the additional cost incurred as a result of a change in the per person occupancy rate for prepaid non-refundable Travel Arrangements if a
person booked to share Accommodations with You cancels or interrupts his/her Trip due to any of the covered Unforeseen reasons or Other Covered Events shown in Your Trip Cancellation or Trip Interruption section(s) and You do not cancel or interrupt Your Trip.

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

TRIP INTERRUPTION

If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to:

a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements;

b) rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or

c) transport You to Your originally scheduled Return Destination of Your Trip;

The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets.

Trip Interruption must occur while coverage is in effect for You due to any of the following covered Unforeseen reasons, as defined:

1. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, a Business Partner’s Family Member’s, or a Service Animal’s death, which occurs while You are on Your Trip; or

2. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, a Business Partner’s Family Member’s, or a Service Animal’s Sickness or Injury, that:

a) occurs while You are on Your Trip;

b) is examined and treated by a Physician or Veterinarian prior to the time of interruption unless it is not reasonably possible to do so; and

c) as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on Your Trip;

3. You or Your Traveling Companion must interrupt Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect:

Other Covered Events means:

1. You or Your Traveling Companion have Complications of Pregnancy which is verified by medical records and occurs while You or Your Traveling Companion are on Your Trip;

2. a mechanical breakdown/equipment failure of a Common Carrier on which You or Your Traveling Companion are scheduled to travel that causes complete cessation or delay of You or Your Traveling Companion’s travel for at least 48 consecutive hours;

3. mandatory evacuation ordered or recommended by local government authorities at Your Scheduled Destination due to a Natural Disaster which prevents You from traveling to/arriving at Your Scheduled Destination;

4. an unannounced Strike resulting in complete cessation of travel services for at least 24 consecutive hours of the Common Carrier on which You are scheduled to travel which prevents You from reaching Your Scheduled Destination;

5. You or Your Traveling Companion are directly involved in a traffic accident, while en route to Your Scheduled Trip Departure City. The traffic accident must be documented by a police report;

6. Inclement Weather that causes a delay or cancellation by a Common Carrier for at least 12 consecutive hours;

7. Your or Your Traveling Companion’s Primary Residence or Scheduled Destination are made Uninhabitable and remains Uninhabitable during Your Trip by a Natural Disaster or burglary; Claims are not payable if a hurricane is foreseeable prior Your Effective Date for Trip Interruption. A hurricane is foreseeable on the date it becomes a named storm.

8. Your Scheduled Destination is under a hurricane warning, as issued by the NOAA Hurricane Center, after Your Scheduled Departure Date;

9. You or You Traveling Companion are hijacked or Quarantined;

10. You or Your Traveling Companion are subpoenaed, served with a court order, required to serve on a jury, or required to appear as a witness in a legal action, provided You or Your Traveling Companion are not: 1) a party to the legal action; except 2) appearing in a law enforcement capacity;

11. You or Your Traveling Companion or Family Member are called to active military duty or emergency service as a reservist, firefighter or police officer either to serve or to provide aid or relief in the event of a Natural Disaster, a Civil Disorder, or Terrorist Incident other than war;

12. Your or Your Traveling Companion’s previously granted military leave is revoked or reassigned while You or Your Traveling Companion are on the Trip and You or Your Traveling Companion have to interrupt the Trip. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required. The military leave for the dates of travel must have been approved prior to the Effective Date of Trip Interruption coverage and the leave revoked or reassigned after the Effective Date of Trip Interruption coverage;

13. Your Host at Your Scheduled Destination being unable to provide Accommodations due to a life-threatening Sickness or Injury, or due to his/her death;

14. a Terrorist Incident that occurs during Your Trip:

a. within 30 miles of the city listed on the scheduled itinerary of Your Trip;

b. provided Your Travel Supplier (if applicable) did not offer a substitute itinerary.

15. a theft or loss of passports or travel documents or visas while on Your Trip, specifically required for Your Trip, which is substantiated by a police report;

16. A travel alert or travel warning for levels 4 and higher is issued, for cities listed on Your itinerary after Your Effective Date of Your Trip Interruption Coverage, to a Scheduled Destination specifically listed on Your Itinerary. The travel alert/warning, etc. must occur during Your scheduled Trip;

17. You or Your Traveling Companion are involuntarily terminated or laid off by Your or Your Traveling Companion’s employer while You are on Your Trip, You or Your Traveling Companion must have been an active employee with the same employer for at least 1 continuous year. This provision is not applicable to temporary or seasonal employment, independent contractors, freelancer or self-employed persons;

18. Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including an Air Common Carrier, cruise line, tour operator, or other travel entity that cause a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than 14 days following Your Effective Date for Trip Interruption. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your Scheduled Destination.

In no event shall the amount reimbursed for Trip Interruption exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

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

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:

Medical / Health

a) Any serious Injury, death, or Sickness;

1) Occurring to You or a Traveling Companion, a Family Member traveling with You, that is so disabling as to cause a reasonable person to cancel or interrupt their Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip;

2) Occurring to a Family Member not traveling with the You that is considered life-threatening, as certified by a Physician or they require Your immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;

3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician;

Transportation and Accommodation

a) Financial Default of an airline, Cruise line, Common Carrier or tour operator provided that:

1) The insurance was purchased with 15 days of Initial Trip Payment; and

2) Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits.

The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, or firm that solicited Your travel arrangements to you.

b) You and/or a Traveling Companion are directly involved in or delayed due to a traffic accident, while en route to the Insured’s Destination. Traffic accident must be substantiated by a police report.

c) Strike resulting in complete interruption of travel services at the point of departure or Destination;

Environment

a) Inclement Weather, if it causes delay or cancellation of travel;

b) You or a Traveling Companion’s Primary Residence being made Uninhabitable or Inaccessible by Natural Disaster, vandalism, or burglary;

Political / Violence

a) You, or a Traveling Companion are hijacked, quarantined, subpoenaed, or required to serve on a jury;

b) You or a Traveling Companion is called to active military service, or military leave is revoked or reassigned;

Work

a) You or a Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least 1 continuous year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons.

b) Cancel for Work Reasons coverage will be included for these additional Unforeseen events:

a) You or a Traveling Companion are required to work during Your scheduled Trip. You must provide proof of requirement to work, such as a notarized statement signed by an officer of Your employer. In the situation of self-employment, proof of self-employment and a notarized statement confirming that the Insured is unable to travel due to his or her job obligations will be required.

b) You or a Traveling Companion are directly involved in a merger, acquisition, government required product recall, or bankruptcy proceedings and must be currently employed by the company that is involved in said event;

c) You or a Traveling Companion’s company is deemed to be unsuitable for business due to burglary, or Natural Disaster and the You or a Traveling Companion are directly involved as a Key Employee of the disaster recovery team.

This coverage applies only if insurance was purchased within 15 days of Initial Trip Payment.

SPECIAL NOTIFICATION OF CLAIM

You must notify the Travel Insurance Administrator within 72 hours or as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circumstance that prevented timely notification.

Trip Interruption Benefits: The Company will reimburse You up to the Maximum Limit shown in the Schedule for Trips that are interrupted due to the Unforeseen events shown above for:

a) Unused portion of non-refundable pre-paid insured Trip Cost; and

b) additional transportation expenses incurred by You, either to the Return Destination; or from the place that You left the Trip to the place that You may rejoin the Trip; or

c) additional transportation expenses incurred by You to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date.

However, the benefit payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket, less any refunds paid or payable, by the most direct route.

SINGLE OCCUPANCY BENEFIT

The Company will reimburse You, up to the Trip Cancellation and Trip Interruption Maximum Limit shown in the Schedule, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with You has his/her Trip canceled or interrupted due to any of the Unforeseen events shown in the Trip Cancellation and Trip Interruption section and You do not cancel.

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 theInsured’s original ticket by the most direct route, less any refunds paid or payable.

Single Occupancy Benefit:

If the Insured prepaid for shared accommodations and their Traveling Companion cancels their Trip due to one or more of the Unforeseen Covered Events, the Company will reimburse any additional accommodation fees the Insured is required to pay.

SPECIAL NOTIFICATION OF CLAIM

The Insured must notify the Travel Supplier and the Travel Insurance Administrator or an agent of the company within 72 hours or as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, the Insured must provide proof of the circumstance that prevented timely notification.

UNFORESEEN COVERED EVENTS:

Medical / Health

a) Injury or Sickness: (1) Occurring to the Insured or a Traveling Companion that is so disabling as to cause a reasonable person to cancel or interrupt their Trip, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing continued participation in the Trip; (2) Occurring to a Family Member not traveling that is considered life-threatening, as certified by a Physician or they require the Insured’s immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician; (3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician.

b) Death of the Insured, Traveling Companion, Family Member, or Business Partner.

c) The Insured or Traveling Companion, or their Child, is Quarantined.

Environment

a) Inclement Weather which causes delay or cancellation of travel;

b) The Insured’s, or a Traveling Companion’s Primary Residence being made Uninhabitable by Natural Disaster, Named Storm, vandalism, or burglary;

Other

a) The Insured or a Traveling Companion is directly involved in a traffic accident (not including a mechanical breakdown), while en route to the Insured’s Destination. The traffic accident must be substantiated by a police report;

b) Strike of a Common Carrier the Insured is scheduled to travel on, resulting in complete interruption of travel services at the point of departure or Destination. If comparable Travel Suppliers are available, coverage will be limited to the additional expenses, change fees, and increase in fare (if any) to book with the new Travel Supplier;

c) The Insured or a Traveling Companion is a traveler on a hijacked aircraft, train, vehicle or vessel;

d) The Insured or a Traveling Companion is legally required to attend a legal proceeding during the Trip, provided the attendance is not in the course of their occupation;

e) The Insured or a Traveling Companion is called to active military service or as a reservist, or military leave is revoked or reassigned. The military leave for the dates of travel must have been approved prior to the Policy Effective Date;

f) The Insured, a Traveling Companion, or parent or legal guardian if the Insured is a Child, through no fault of his or her own is involuntarily terminated or laid off for more than 30 days. To qualify he or she must have been an active employee for the employer for at least 1 continuous year. Termination must occur following the Policy Effective Date. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons;

g) The Insured, a Traveling Companion, or parent or legal guardian if the Insured is a Child, has an involuntary employer-initiated transfer of 100 or more miles which requires the Insured’s Primary Residence to be relocated; provided that he or she has been an active employee with the same employer for at least 1 continuous year. Notification of the transfer by the employer to the Insured must occur after the Policy Effective Date.

The Financial Default of a Travel Supplier, provided all of the following conditions are met:

(1) This policy is purchased within the Early Purchase Window; and
(2) The default occurs more than 14 days following the Policy Effective Date.

The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit for Financial Default shown in the Schedule. If the Insured books with a comparable Travel Supplier, the Company will pay for the additional expenses to book with the new Travel Supplier.

The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, Travel Supplier, or firm that directly procured travel arrangements for the Insured.

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:

Medical / Health

a) Any serious Injury, death, or Sickness;

(1) Occurring to You or a Traveling Companion, a Family Member traveling with You, that is so disabling as to cause a reasonable person to cancel or interrupt their Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing your continued participation in the Trip;

(2) Occurring to a Family Member not traveling with the You that is considered life-threatening, as certified by a Physician or they require Your immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;

(3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician;

(4) Sickness, Injury, death or hospitalization occurring to Your Host at Your Destination. A Physician must certify the Sickness or Injury;

b) You, your spouse, or Domestic Partner must cancel Your Trip due to a Normal Pregnancy or Childbirth. Date of conception as calculated by a licensed OB-GYN must occur after Your effective date of coverage;

Transportation and Accommodation

a) Financial Default of an airline, Cruise line, Common Carrier or tour operator provided that:

(1) The insurance was purchased with 15 days of Initial Trip Payment; and

(2) Financial Default occurs more than 14 days following an Insured’s effective date for the Trip Cancellation or Trip Interruption Benefits.

The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, or firm that solicited Your travel arrangements to you.

b) You or a Traveling Companion are directly involved in or delayed due to a traffic accident, while en route to the Insured’s Destination. Traffic accident must be substantiated by a police report;

c) mechanical/equipment failure of a Common Carrier that occurs on a scheduled Trip Departure Date and causes complete cessation of Your travel and results in a Loss of 50% of Your Trip length;

d) Strike resulting in complete interruption of travel services at the point of departure or Destination;

Environment

a) Inclement Weather, if it causes delay or cancellation of travel;

b) You or a Traveling Companion’s Primary Residence being made Uninhabitable or Inaccessible by Natural Disaster, vandalism, or burglary;

c) You or a Traveling Companion’s Destination being made Uninhabitable or Inaccessible by flood, tornado, earthquake, volcanic eruption, fire, wildfire, or blizzard that is due to natural causes;

d) a named hurricane causing cancellation or interruption of travel to Your Destination that is Inaccessible or Uninhabitable. Claims are not payable if a hurricane is foreseeable prior to Your effective date. A hurricane is foreseeable on the date it becomes a named storm. The Company will only pay the benefits for Losses occurring within 14 days after the named hurricane makes Your Destination Uninhabitable or Inaccessible.

Political / Violence

a) You or a Traveling Companion are hijacked, quarantined, subpoenaed, or required to serve on a jury;

b) You or a Traveling Companion is called to active military service or military leave is revoked or reassigned;

c) a Terrorist Incident in a City listed on Your itinerary within 30 days of Your scheduled arrival;

d) You or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to the Departure Date. No coverage is provided for Felonious Assault committed by another Insured, Family Member, Traveling Companion or Traveling Companion’s Family Member;

Work

a) You or a Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least 1 continuous year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons;

b) You or Traveling Companion is required to work during his/her scheduled Trip. He/she must provide proof of requirement to work, such as a notarized statement signed by an officer of his/her employer. In the situation of self-employment, proof of self-employment and a notarized statement confirming that the Insured is unable to travel due to his or her job obligations will be required.

c) You or Traveling Companion is directly involved in a merger, acquisition, government required product recall, or bankruptcy proceedings and must be currently employed by the company that is involved in said event;

d) Your or Traveling Companion’s company is deemed to be unsuitable for business due to burglary, or Natural Disaster and the Insured or Traveling Companion is directly involved as a Key Employee of the disaster recovery team.

Other

a) cancellation of a scheduled event due to Inclement Weather prior to departing on the Trip provided attendance at the event was the sole reason for the Trip and the duration of the Trip does not exceed 48 hours before or after such an event;

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.

SPECIAL NOTIFICATION OF CLAIM

You must notify The Travel Insurance Administrator within 72 hours or as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the travel supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circumstance that prevented timely notification.

Trip Interruption Benefits: The Company will reimburse You up to the Maximum Limit shown in the Schedule for Trips that are interrupted due to the Unforeseen events shown above for:

a) Unused portion of non-refundable pre-paid insured Trip Cost; and

b) additional transportation expenses incurred by You, either to the Return Destination; or from the place that You left the Trip to the place that You may rejoin the Trip; or

c) additional transportation expenses incurred by You to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date.

However, the benefit payable under b) and c) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket, less any refunds paid or payable, by the most direct route.

Trip Interruption – Return Air Only: The Company will reimburse You up to the Maximum Limit shown on the Schedule for the additional transportation expenses incurred to reach the Return Destination due to one of the Unforeseen events listed in the Trip Cancellation/Trip Interruption section. However, the benefit payable will not exceed the cost of economy airfare (or the same class as the Insured’s original ticket) less any refunds paid or payable and taken by the most direct route.

Benefits paid for Trip Interruption – Return Air Only cannot be combined with Trip Interruption Benefits.

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.

Single Occupancy Benefit: If the Insured prepaid for shared accommodations and their Traveling Companion cancels their Trip due to one or more of the Unforeseen Covered Events, the Company will reimburse any additional accommodation fees the Insured is required to pay.

SPECIAL NOTIFICATION OF CLAIM
The Insured must notify the Travel Supplier and the Travel Insurance Administrator or an agent of the company within 72 hours or as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, the Insured must provide proof of the circumstance that prevented timely notification.

UNFORESEEN COVERED EVENTS:

Medical / Health

a) Injury or Sickness:
1) Occurring to the Insured or a Traveling Companion that is so disabling as to cause a reasonable person to cancel or interrupt their Trip, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing continued participation in the Trip;
2) Occurring to a Family Member not traveling that is considered life-threatening, as certified by a Physician or they require the Insured’s immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;
3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician; or
4) Occurring to the Insured’s Host At Destination. A Physician must certify the Sickness or Injury.

b) Death of the Insured, Traveling Companion, Family Member, Business Partner, or Host At Destination.

c) The Insured or Traveling Companion, or their Child, is Quarantined.

d) The Insured must cancel the Trip due to a Normal Pregnancy of the Insured or Traveling Companion or their spouse or Domestic Partner. The pregnancy must first be confirmed by a Physician after the Policy Effective Date. The Normal Pregnancy must fall within the scheduled Trip;

e) The Insured must cancel their Trip due to a Family Member giving birth, or being expected to give birth, during the scheduled Trip. The pregnancy must first be confirmed by a Physician after the Policy Effective Date;

f) The Insured or Traveling Companion is on a list as a donor or recipient for an organ transplant and, after the Policy Effective Date, receives official notification that an organ match is available for immediate transplant. The transplant must be considered Medically Necessary, and a Physician must confirm that the transplant and/or surgery is so disabling as to prevent travel.

Environment

a) Inclement Weather which causes delay or cancellation of travel;

b) The Insured’s, or a Traveling Companion’s Primary Residence being made Uninhabitable by Natural Disaster,Named Storm, vandalism, or burglary;

c) The Destination being made Uninhabitable or Inaccessible by Natural Disaster, vandalism, or burglary;

d) A Named Storm causing cancellation or interruption of travel to the Insured’s Destination that is Inaccessible or Uninhabitable. A Named Storm becomes foreseeable on the date it is named by the National Oceanic and Atmospheric Administration (NOAA) or foreign equivalent. The Company will only pay benefits for Losses occurring more than 14 days from the Policy Effective Date and within 30 days after the Named Storm makes the Destination Uninhabitable or Inaccessible.

Other

a) The Insured or a Traveling Companion is directly involved in a traffic accident (not including a mechanical breakdown), while en route to the Insured’s Destination. The traffic accident must be substantiated by a police report;

b) Mechanical/equipment failure of a Common Carrier that occurs on the scheduled Trip Departure Date;

c) Strike of a Common Carrier the Insured is scheduled to travel on, resulting in complete interruption of travel services at the point of departure or Destination. If comparable Travel Suppliers are available, coverage will be limited to the additional expenses, change fees, and increase in fare (if any) to book with the new Travel Supplier;

d) The Insured or a Traveling Companion is a traveler on a hijacked aircraft, train, vehicle or vessel;

e) The Insured or a Traveling Companion is legally required to attend a legal proceeding during the Trip, provided the attendance is not in the course of their occupation;

f) The Insured or a Traveling Companion is called to active military service or as a reservist, or military leave is revoked or reassigned. The military leave for the dates of travel must have been approved prior to the Policy Effective Date;

g) The Insured’s Host at Destination is called to active military service or as a reservist, or military leave is revoked or reassigned. The military leave for the dates of travel must be approved prior to the Policy Effective Date;

h) The Insured or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to the Departure Date. No coverage is provided for Felonious Assault committed by another Insured, Family Member,Traveling Companion or Traveling Companion’s Family Member;

i) The Insured, a Traveling Companion, or parent or legal guardian if the Insured is a Child, through no fault of his or her own is involuntarily terminated or laid off for more than 30 days. To qualify he or she must have been an active employee for the employer for at least 1 continuous year. Termination must occur following the Policy Effective Date. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons;

j) The Insured, a Traveling Companion, or parent or legal guardian if the Insured is a Child, has an involuntary employer-initiated transfer of 100 or more miles which requires the Insured’s Primary Residence to be relocated; provided that he or she has been an active employee with the same employer for at least 1 continuous year. Notification of the transfer by the employer to the Insured must occur after the Policy Effective Date

k) The Insured or a Traveling Companion, legally adopts a Child and the date of the placement or adoption falls during the Trip

l) the Insured or Traveling Companion is traveling for the purpose of adopting a Child, but the adoption is cancelled for reasons beyond the Insured’s control. The adoption must be approved prior to the PolicyEffective Date;

m) Theft of passports or visas required for the Trip, substantiated by a police report;

n) Cancellation of a scheduled event due to Inclement Weather or Named Storm prior to departing on the Trip provided attendance at the event was the sole reason for the Trip and the duration of the Trip does not exceed 48 hours before or after such an event;

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 theInsured 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.

q) The Insured or a Traveling Companion is employed as a full-time teacher or other full time employee, or is enrolled as a full time student, at a primary or secondary school and is required to complete an extended school year (including academic examinations) that falls on or beyond the Departure Date. School year extensions due to extra-curricular or athletic events are not covered;

r) a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the scheduled arrival or during the Trip;

s) The Financial Default of a Travel Supplier, provided all of the following conditions are met:
(1) This policy is purchased within the Early Purchase Window; and
(2) The default occurs more than 14 days following the Policy Effective Date.

The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit for Financial Default shown in the Schedule. If the Insured books with a comparable Travel Supplier, the Company will pay for the additional expenses to book with the new Travel Supplier.

The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, Travel Supplier, or firm that directly procured travel arrangements for the Insured.

t) Cancel for Work Reasons coverage will be included for these additional Unforeseen events:
1) the Insured or Traveling Companion is required to work during the scheduled Trip. They must provide proof of requirement to work, such as a notarized statement signed by an officer of their employer. This coverage is not available where the Insured or Traveling Companion is self-employed.
2) the Insured or Traveling Companion’s company is the subject of a merger, acquisition, government required product recall, or bankruptcy proceedings, and the Insured or Traveling Companion is directly involved. This coverage is not available where the Insured or Traveling Companion is self-employed.
3) the Insured’s or Traveling Companion’s company’s disaster recovery plan is activated, and the Insured or Traveling Companion is directly involved in the response.

This rider applies only if this policy is purchased within the Early Purchase Window as listed on the Schedule.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. You or Your Traveling Companion have a previously approved military leave revoked or experience a military re-assignment.

5. You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).

6. Weather at the departure site that causes complete cessation of services for at least twelve (12) consecutive hours of the Common Carrier on which You a re scheduled to travel and prevents You from reaching Your destination. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this coverage.

7. Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable.

8. A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary during Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.

9. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:

(a) unused portion of the pre-paid, forfeited, non-refundable Payments or Deposits You paid for Your Travel Arrangements;

(b) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets. In no event will the Company reimburse You for the cash value of Your airline ticket(s) purchased with frequent flier miles.

The Company will pay for Reasonable Expenses incurred by You if Your Traveling Companion must remain Hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You or Your Traveling Companion cannot fly home due to an Accident or a Sickness but do not require Hospitalization.

SPECIAL CONDITIONS: You must advise the Company or its authorized representative as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Company, its authorized representative and Your Travel Supplier as soon as reasonable possible.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip

3. Sickness, Accidental Injury or death of a non-traveling Family Member

4. You or Your Traveling Companion have a previously approved military leave revoked or experience a military reassignment

5. You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war)

6. Weather at the departure site that causes complete cessation of services for at least twelve (12) consecutive hours of the Common Carrier on which You are scheduled to travel and prevents You from reaching Your destination. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this coverage

7. Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable

8. A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary during Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.

9. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip

10. Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least twelve (12) consecutive hours

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following

a) unused portion of the pre-paid, forfeited, non-refundable Payments or Deposits You paid for Your Travel Arrangements;

b) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets. In no event will the Company reimburse You for the cash value of Your airline ticket(s) purchased with frequent flier miles

The Company will pay for Reasonable Expenses incurred by You if Your Traveling Companion must remain Hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You or Your Traveling Companion cannot fly home due to an Accident or a Sickness but do not require Hospitalization

SPECIAL CONDITIONS: You must advise the Company or its authorized representative as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Company, its authorized representative and Your Travel Supplier as soon as reasonable possible.

TRIP INTERRUPTION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions as to prevent that person’s continued participation on the Trip.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. You or Your Traveling Companion have a previously approved military leave revoked or experience a military reassignment.

5. You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).

6. Weather at the departure site that causes complete cessation of services for at least twelve (12) consecutive hours of the Common Carrier on which You are scheduled to travel and prevents You from reaching Your destination. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this coverage.

7. Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable.

8. Mandatory evacuation, or public official evacuation advisements where there is no mandatory evacuation, issued by local government authorities at Your Trip destination due to hurricane or other Natural Disaster. In order to interrupt Your Trip, You must have four (4) days or fifty percent (50%) of Your total Trip length or less remaining on Your Trip at the time the mandatory evacuation ends.

9. A weather delay at the sporting competition to which You are specifically traveling more than one hundred (100) miles from Your Home causing the sporting competition to be rescheduled to a date when You are not scheduled to be at the location, or to be cancelled.

10. A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary during Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. Your Scheduled Departure Date must be no more than fifteen (15) months beyond Your Effective Date. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.

11. You being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip.

12. A closed roadway causing cessation of travel for You or Your Traveling Companion for at least six (6) consecutive hours to or from Your Trip destination (substantiated by the Department of Transportation, state police, etc.).

13. Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least twelve (12) consecutive hours.

14. Your arrival on the Trip being delayed due to a Hazard that causes You to lose fifty percent (50%) or more of the scheduled Trip duration.

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:

a) unused portion of the pre-paid, forfeited, non-refundable Payments or Deposits You paid for Your Travel Arrangements;

b) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets.

The Company will pay for Reasonable Expenses incurred by You if Your Traveling Companion must remain Hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying You or Your Traveling Companion cannot fly home due to an Accident or a Sickness but do not require Hospitalization.

SPECIAL CONDITIONS: You must advise the Company or its authorized representative as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Company, its authorized representative and Your Travel Supplier as soon as reasonable possible.

TRIP INTERRUPTION

We will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from continuing or resuming Your Covered Trip due to any of the Unforeseen Events listed below occurring on or after the Effective Date of the Policy

Trip Interruption Covered Expenses

a) Forfeited, prepaid, non-refundable, and non-refunded published Payments that You paid for Your unused Land/Sea/Air Arrangements;

b) Additional transportation expenses incurred by You, for travel by the most direct route to:

i) Your scheduled Destination if Your departure is delayed and You leave after the Scheduled Departure Date and time;
ii) Rejoin Your Trip in progress from the point where You interrupted Your Trip;
iii) The Return Destination of Your Trip.

Benefits payable for additional transportation expenses will not exceed the cost of airfare (the same class airfare on which You were originally booked) less any refunds paid or payable.

Health and Family

1. Any Injury or Sickness:
a. Suffered by You, Your Traveling Companion or Your or Your Traveling Companion’s Immediate Family Member, that is so disabling as to cause a reasonable person to interrupt the Covered Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Covered Trip;

2. Your Death or the Death of Your Traveling Companion or Your Immediate Family Member. Transportation and Accommodation

3. Strike that causes complete cessation of travel services of Your Common Carrier for at least 48 consecutive hours.

4. Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended Destination. This coverage only applies if the Policy was purchased within 14 calendar days of the Initial Trip Payment.

5. Your Host being unable to provide overnight lodging due to their death or a life-threatening Sickness or Injury.

Weather

6. Inclement Weather, Natural Disasters, Terrorist Incident or the Common Carrier’s mechanical breakdown that results in the complete cessation of travel services at the point of departure or Destination for at least 12 consecutive
hours.

7. Natural Disaster or documented man-made disaster at the point of departure or Your Destination that renders Your Primary Residence or the accommodations at Your Destination Uninhabitable. We will only pay benefits for losses occurring within 30 calendar days after the Natural Disaster.

8. Adverse weather or Natural Disaster resulting in the obstruction of public roadways or curtailment of public transportation, that prevents Your ability to arrive at Your Land/Sea/Air Arrangements.

Legal

9. You and/or Your Traveling Companion are required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You or Your Traveling Companion are not a party to the legal action or appearing as a
law enforcement officer.

Personal Safety and Security

10. You or Your Traveling Companion being directly involved in or delayed due to a traffic Accident substantiated by a police report, while en route to departure.

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

12. You and/or Your Traveling Companion are hijacked.

13. You and/or Your Traveling Companion are Quarantined.

14. You and/or Your Traveling Companion are the victim of felonious assault

Work/Military/School

15. You, or Your Traveling Companion, Your Spouse or Your Traveling Companion’s Spouse are called to active and mandatory duty as a first responder to provide aid or relief in the event of a Natural Disaster.

TRIP INTERRUPTION

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

Trip Interruption Covered Expenses
a. Forfeited, prepaid, non-refundable, and non-refunded published Payments that You paid for Your unused Land/Sea/Air Arrangements;
b. Additional transportation expenses incurred by You, for travel by the most direct route to:
i. Your scheduled Destination if Your departure is delayed and You leave after the Scheduled Departure Date and time;
ii. Rejoin Your Trip in progress from the point where You interrupted Your Trip;
iii. The Return Destination of Your Trip.

Benefits payable for additional transportation expenses will not exceed the cost of airfare (the same class airfare on which You were originally booked) less any refunds paid or payable.

The following are the Unforeseen Events for Trip Interruption:

Health and Family

1. Any Injury or Sickness:

a. Suffered by You, Your Traveling Companion or Your or Your Traveling Companion’s Immediate Family Member, that is so disabling as to cause a reasonable person to interrupt the Covered Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Covered Trip;

2. Your Death or the Death of Your Traveling Companion or Your Immediate Family Member.

Transportation and Accommodation

3. Strike that causes complete cessation of travel services of Your Common Carrier for at least 48 consecutive hours.

4. Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended Destination. This coverage only applies if the Policy was purchased within 14 calendar days of the Initial Trip Payment.

5. Your Host being unable to provide overnight lodging due to their death or a life-threatening Sickness or Injury.

Weather

6. Inclement Weather, Natural Disasters, Terrorist Incident or the Common Carrier’s mechanical breakdown that results in the complete cessation of travel services at the point of departure or Destination for at least 12 consecutive hours.

7. Natural Disaster or documented man-made disaster at the point of departure or Your Destination that renders Your Primary Residence or the accommodations at Your Destination Uninhabitable. We will only pay benefits for losses occurring within 30 calendar days after the Natural Disaster.

8. Adverse weather or Natural Disaster resulting in the obstruction of public roadways or curtailment of public transportation, that prevents Your ability to arrive at Your Land/Sea/Air Arrangements.

Legal

9. You and/or Your Traveling Companion are required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer.

Personal Safety and Security

10. You or Your Traveling Companion being directly involved in or delayed due to a traffic Accident substantiated by a police report, while en route to departure.

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

12. You and/or Your Traveling Companion are hijacked.

13. You and/or Your Traveling Companion are Quarantined.

14. You and/or Your Traveling Companion are the victim of felonious assault.

Work/Military/School

15. You, or Your Traveling Companion, Your Spouse or Your Traveling Companion’s Spouse are called to active and mandatory duty as a first responder to provide aid or relief in the event of a Natural Disaster.

TRIP INTERRUPTION

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

Trip Interruption Covered Expenses

a) Forfeited, prepaid, non-refundable, and non-refunded published Payments that You paid for Your unused Land/Sea/Air Arrangements;

b) Additional transportation expenses incurred by You, for travel by the most direct route to:
i. Your scheduled Destination if Your departure is delayed and You leave after the Scheduled Departure Date and time;
ii. Rejoin Your Trip in progress from the point where You interrupted Your Trip;
iii. The Return Destination of Your Trip.

Benefits payable for additional transportation expenses will not exceed the cost of airfare (the same class airfare on which You were originally booked) less any refunds paid or payable.

The following are the Unforeseen Events for Trip Interruption:

Health and Family

1. Any Injury or Sickness:
a) Suffered by You, Your Traveling Companion or Your or Your Traveling Companion’s Immediate Family Member, that is so disabling as to cause a reasonable person to interrupt the Covered Trip or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Covered Trip;

2. Your Death or the Death of Your Traveling Companion or Your Immediate Family Member.

Transportation and Accommodation

3. Strike that causes complete cessation of travel services of Your Common Carrier for at least 48 consecutive hours.

4. Bankruptcy and/or Default of Your Travel Supplier that occurs more than 14 days following the Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. Your Scheduled Departure Date must be no more than 12 months beyond the Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended Destination. This coverage only applies if the Policy was purchased within 14 calendar days of the Initial Trip Payment.

5. Your Host being unable to provide overnight lodging due to their death or a life-threatening Sickness or Injury.

Weather

6. Inclement Weather, Natural Disasters, Terrorist Incident or the Common Carrier’s mechanical breakdown that results in the complete cessation of travel services at the point of departure or Destination for at least 12 consecutive hours.

7. Natural Disaster or documented man-made disaster at the point of departure or Your Destination that renders Your Primary Residence or the accommodations at Your Destination Uninhabitable. We will only pay benefits for losses occurring within 30 calendar days after the Natural Disaster.

8. Adverse weather or Natural Disaster resulting in the obstruction of public roadways or curtailment of public transportation, that prevents Your ability to arrive at Your Land/Sea/Air Arrangements.

Legal

9. You and/or Your Traveling Companion are required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer.

Personal Safety and Security

10. You or Your Traveling Companion being directly involved in or delayed due to a traffic Accident substantiated by a police report, while en route to departure.

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

12. You and/or Your Traveling Companion are hijacked.

13. You and/or Your Traveling Companion are Quarantined.

14. You and/or Your Traveling Companion are the victim of felonious assault.

Work/Military/School

15. You, or Your Traveling Companion, Your Spouse or Your Traveling Companion’s Spouse are called to active and mandatory duty as a first responder to provide aid or relief in the event of a Natural Disaster.

TRIP INTERRUPTION

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

We will pay You:

a) for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s); or

b) additional transportation expenses incurred by You; or

c) return air travel up to the lesser of the cost of an economy flight or the amount shown on the Schedule of Benefits.

In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

The Following are the Unforeseen Events for Trip Cancellation and Trip Interruption:

a) Your Accidental Injury, Covered Sickness or death or the Accidental Injury, Covered Sickness or death of Your Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; that results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) An Accidental Injury incurred by You that causes You to be medically unable to continue Your trip’s activity(ies). An actual examination by a Physician must take place and the Physician must advise You to discontinue the trip’s activity(ies).

c) Inclement weather, Natural Disasters, Terrorist Attacks or mechanical breakdown of the Common Carrier that results in the complete cessation of travel services at the point of departure or destination for at least 48 consecutive hours.

d) Mandatory evacuation ordered by local authorities at Your destination due to a Natural Disaster. You must have 50% or less of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.

e) Natural Disaster or documented man-made disaster at the point of departure or Your destination that renders Your primary residence or the accommodations at Your destination uninhabitable.

f) Adverse weather or Natural Disaster resulting in the obstruction of public roadways or curtailment of public transportation, that prevents Your ability to arrive at Your Land/Sea Arrangements.

g) A road closure causing a delay in reaching Your destination for at least 12 hours.

h) Strike that causes complete cessation of travel services of Your Common Carrier for at least 48 consecutive hours.

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

j) The airport terminal from which You are scheduled to fly, is closed due to a documented security breach within 12 hours of arrival at the terminal or while You are physically at the terminal.

k) A politically motivated Terrorist Attack that occurs within 30 days of Your departure and within 50 miles of a City listed on Your itinerary. The Terrorist Attack must occur on or after the Effective Date of Your Trip Cancellation Coverage.

l) A documented theft of passports or visas. Documented means that You have reported the theft to the local authorities.

m) You or Your Traveling Companion being directly involved in or delayed due to a traffic Accident substantiated by a police report, while en route to departure.

n) You and/or Your Traveling Companion are hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer; the victim of felonious assault; having Your principal place of residence made inaccessible and uninhabitable by a Natural Disaster; or burglary or vandalism of Your principal place of residence within 10 days of departure.

o) You or Your Traveling Companion are called to active military duty after the Effective Date.

p) You have, or Your Traveling Companion has, a previously approved military leave revoked or experience a military reassignment.

q) Your transfer, within thirty (30) days of the date of Your Covered Trip, by the employer with which You are employed on the Effective Date that requires relocation of Your principal residence.

r) Your Traveling Companion’s transfer, within thirty (30) days of the date of Your Covered Trip, by the employer with which Your Traveling Companion is employed on the Effective Date that requires relocation of Your Traveling Companion’s principal residence.

s) After at least three (3) years of full time continuous employment at the same company, You are terminated or laid-off from full time employment at such company within thirty (30) days of the date of Your Covered Trip.

t) After at least three (3) years of full time continuous employment at the same company, Your Traveling Companion is terminated or laid-off from full time employment at such company within thirty (30) days of the date of Your Covered Trip.

TRIP INTERRUPTION

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

We will pay You:

a) for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s); or

b) additional transportation expenses incurred by You; or

c) return air travel up to the lesser of the cost of an economy flight or the amount shown on the Schedule of Benefits.

In no event shall the amount We pay exceed the lesser of the amount You prepaid for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.

The Following are the Unforeseen Events For Trip Cancellation and Trip Interruption:

a) Your Accidental Injury, Covered Sickness or death or the Accidental Injury, Covered Sickness or death of Your Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; that results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.

b) An Accidental Injury incurred by You that causes You to be medically unable to continue Your trip’s activity(ies). An actual examination by a Physician must take place and the Physician must advise You to discontinue the trip’s activity(ies).

c) Inclement weather, Natural Disasters, Terrorist Attacks or mechanical breakdown of the Common Carrier that results in the complete cessation of travel services at the point of departure or destination for at least 48 consecutive hours.

d) Mandatory evacuation ordered by local authorities at Your destination due to a Natural Disaster. You must have 50% or less of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.

e) Natural Disaster or documented man-made disaster at the point of departure or Your destination that renders Your primary residence or the accommodations at Your destination uninhabitable.

f) Adverse weather or Natural Disaster resulting in the obstruction of public roadways or curtailment of public transportation, that prevents Your ability to arrive at Your Land/Sea Arrangements.

g) A road closure causing a delay in reaching Your destination for at least 12 hours.

h) Strike that causes complete cessation of travel services of Your Common Carrier for at least 48 consecutive hours.

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

j) The airport terminal from which You are scheduled to fly, is closed due to a documented security breach within 12 hours of arrival at the terminal or while You are physically at the terminal.

k) A politically motivated Terrorist Attack that occurs within 30 days of Your departure and within 50 miles of a City listed on Your itinerary. The Terrorist Attack must occur on or after the Effective Date of Your Trip Cancellation Coverage.

l) A documented theft of passports or visas. Documented means that You have reported the theft to the local authorities.

m) You or Your Traveling Companion being directly involved in or delayed due to a traffic Accident substantiated by a police report, while en route to departure.

n) You and/or Your Traveling Companion are hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer; the victim of felonious assault; having Your principal place of residence made inaccessible and uninhabitable by a Natural Disaster; or burglary or vandalism of Your principal place of residence within 10 days of departure.

o) You or Your Traveling Companion are called to active military duty after the Effective Date.

p) You have, or Your Traveling Companion has, a previously approved military leave revoked or experience a military reassignment.

q) Your transfer, within thirty (30) days of the date of Your Covered Trip, by the employer with which You are employed on the Effective Date that requires relocation of Your principal residence.

r) Your Traveling Companion’s transfer, within thirty (30) days of the date of Your Covered Trip, by the employer with which Your Traveling Companion is employed on the Effective Date that requires relocation of Your Traveling Companion’s principal residence.

s) After at least three (3) years of full time continuous employment at the same company, You are terminated or laid-off from full time employment at such company within thirty (30) days of the date of Your Covered Trip.

t) After at least three (3) years of full time continuous employment at the same company, Your Traveling Companion is terminated or laid-off from full time employment at such company within thirty (30) days of the date of Your Covered 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:

1. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Service Animal’s death that occurs after departure on Your Trip;

2. Your, a Family Member’s, a Traveling Companion’s, a Traveling Companion’s Family Member’s, a Business Partner’s, or a Service Animal’s covered Sickness or Injury that: a) occurs while this coverage is in effect; b) requires Medical Treatment by a Physician at the time of interruption; and c) as certified by a Physician prior to interruption, results in medical restrictions so disabling as to prevent Your continued participation on the Trip. The Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause you to assume daily management of the business;

3. the following other Unforeseen reasons which occur to You or Your Traveling Companion provided such circumstances occur while this coverage is in effect:

a. being unable to continue on Your Trip due to You or Your Traveling Companion being Quarantined;

b. Complications of Pregnancy, as verified by medical records, provided they begin after Your Effective Date of Your Policy;

c. the death, hospitalization or Quarantine of Your Host at Your Destination with whom You and/or Your Traveling Companion are staying with during Your Trip;

d. hospitalization due to mental, nervous or psychological disorders. The hospitalization must be for more than seventy-two (72) hours, must occur during Your Trip;

e. Strike that causes complete cessation of services for at least twelve (12) consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel preventing You or Your Traveling Companion from reaching Your destination;

f. Inclement Weather that causes complete cessation of services for at least twelve (12) consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel preventing You or Your Traveling Companion from reaching Your destination;

g. mechanical breakdown of the Common Carrier on which You or Your Traveling Companion are scheduled to travel that causes a cancellation or delay of at least three (3) consecutive hours preventing You or Your Traveling Companion from reaching Your destination;

h. a government-mandated shutdown of an airport, air traffic control system, cruise port or train station during the Trip for at least three (3) consecutive hours due to a Terrorist Incident, fire, power outage or Natural Disaster that affects Your or Your Traveling Companion’s ability to continue travelling on the Trip. Benefits are not available if alternate arrangements or a substitute route is available;

i. being directly involved in a traffic accident while en route to the scheduled Trip point of departure (must be substantiated by a police report);

j. mechanical breakdown or theft of Your or Your Traveling Companion’s Covered Vehicle twentyfour (24) hours prior to Your Scheduled Departure Date;

k. You, Your Traveling Companion or Your Host at Your Destination being called into emergency service to provide aid or relief for a Natural Disaster or a Terrorist Incident as part of military, police, first responder, medical personnel or fire personnel duties;

l. Your or Your Traveling Companion’s Home or destination accommodations made Uninhabitable by fire, flood, other Natural Disaster, vandalism, or burglary;

m. Trip destination accommodations are made Uninhabitable by a Natural Disaster occurring during Your Trip;

n. being hijacked, required to serve on a jury during the Trip dates, or served with a court order to appear as a witness in legal action during the Trip in which You or Your Traveling Companion is not a party (except law enforcement officers). Notice must be received while on Your Trip;

o. being the victim of a Verified Physical Assault (must be substantiated by a police report);

p. a Terrorist Incident that occurs in a city listed on the Trip’s itinerary. In order for benefits to be payable, there must not have been a Terrorist Incident in the city in the thirty (30) days prior to Your purchase of the Policy. No benefits are payable for Terrorist Incidents that occur in a layover city and/or a city on the Trip itinerary that shows a scheduled visit of six (6) hours or less. Benefits are not available if the Travel Supplier offers a substitute route/ itinerary;

q. involuntary employment termination or layoff. Notification of the termination or layoff must occur during the Trip. Employment must have been with the same employer for at least one (1) continuous year, including the date this Policy was purchased. This benefit is not available to independent contractors, temporary employees or self-employed individuals, or if You or Your Traveling Companion are a company owner or partner;

r. a transfer of employment of two hundred fifty (250) miles or more that requires the relocation of Your or Your Traveling Companion’s Home. Notification of the transfer must be issued during the Trip. Employment must have been with the same employer for at least one (1) continuous year, including the date this Policy was purchased;

s. revocation of previously granted military leave or reassignment of station. For revocation, official written notice by a supervisor or commanding officer of the original approval and the revocation must be provided. For reassignment, orders of relocation must be provided;

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 inperson Medical Treatment of a Physician, and in the written opinion of that Physician, prevents continued participation in such activities.