Travel Delay

• What is Travel Delay?
  Travel Delay reimburses the costs of meals and accommodations when a trip is unexpectedly delayed.

• What am I covered for?
  TRIP DELAY

  If Your Trip is delayed at least the number of consecutive hours shown in the Schedule from the original departure time that prevents You from reaching Your intended Destination the Company will reimburse you for only one delay per Insured, per Trip, up to the Maximum Limit shown in the Schedule. The Trip Delay benefit will cover Reasonable Additional Expenses until travel becomes possible to the originally scheduled Destination, as a result of a cancellation or delay Your Trip for one of the following Unforeseen events:

  a) You are involved in or delayed due to a traffic accident while en route to a departure. Traffic accident must be substantiated by a police report;

  b) You or a Traveling Companion have lost or had stolen, your passports, travel documents, or money;

  c) You or a Traveling Companion are quarantined;

  d) Strike;

  e) Natural Disaster;

  Reasonable Additional Expenses incurred over $25 must be accompanied by receipts.

  If You incur more than one delay in the same Trip the Company will reimburse You for the delay with the largest benefit up to the Maximum Limit shown in the Schedule.

  AIRLINE DELAY

  You will receive reimbursement up to the Maximum Limit shown in the Schedule for Reasonable Additional Expenses until travel becomes possible if Your Trip is delayed the number shown in the Schedule or more consecutive hours as a result of a cancellation or delay of a regularly scheduled airline flight for one of the Unforeseen events listed below:

  a) Common Carrier delay;

  b) Inclement Weather which prohibits Insured’s departure. Incurred expenses must be accompanied by receipts.

  This benefit is payable for only one delay per Insured, per Trip.

  If You incur more than one delay in the same Trip the Company will reimburse You for the delay with the largest benefit up to the Maximum Limit shown in the Schedule.

  “Reasonable Additional Expenses” means expenses for meals, taxi fares, essential telephone calls, local transportation, and lodging which are necessarily incurred as the result of Trip Delay and which are not provided by the Common Carrier or any other party free of charge.