Trip Cancellation

• What is Trip Cancellation?
  Trip Cancellation provides reimbursement for prepaid and non-refundable trip payments if a trip is canceled due to unforeseen circumstances, including illness, injury, or death.

• What am I covered for?
  TRIP CANCELLATION

  We will pay you up to the maximum amount shown in the schedule of benefits for cancellation penalties incurred by you or your traveling companion for a covered trip cancelled up to the date and time of the scheduled departure date due to any of the following unforeseen events:

  Health and Family

  a. Any sickness, injury or death;
  1. Occurring to you, your traveling companion or a family member traveling with you. Sickness or injury must be so disabling as to cause a reasonable person to cancel their covered trip which results in medically imposed restrictions as certified by a physician at the time of loss preventing your participation in the covered trip. You, your traveling companion, or the family member must be examined in person or via telemedicine technology by a physician within seventy‐two (72) hours of the cancellation, and the physician must advise you or your traveling companion to cancel 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, or which results in the family member’s death. Such injury or sickness must be so disabling as to reasonably cause a covered trip to be canceled and must be certified by a physician via an in‐person examination or via telemedicine technology;

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

  c. You or your traveling companion being quarantined at your or your traveling companion’s home.

  Transportation and Accommodation

  a. You and/or your traveling companion are directly involved in a traffic accident, while en route to your destination or point of departure for your covered trip. Traffic accident must be substantiated by a police report;

  b. Mechanical or equipment failure of a common carrier that occurs on or within one (1) day of a covered trip scheduled departure date and causes complete cessation of your travel for at least forty‐eight (48) consecutive hours;

  c. Strike, resulting in the complete cessation of travel services for twenty‐four (24) hours at the point of departure and/or destination. Coverage is only valid if your Trip Cancellation coverage is effective prior to when the strike is foreseeable;

  d. A road closure causing a delay in reaching your destination for at least twelve (12) 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. 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.

  Legal

  a. You or your traveling companion legally adopt a child and the date of the placement or adoption falls during your covered trip; you or your traveling companion are traveling for the purpose of adopting a child, but the adoption is cancelled for reasons beyond your control. The adoption must be approved prior to the effective date.

  Personal Safety and Security

  a. You and/or your traveling companion being hijacked, quarantined, required to serve on a jury, subpoenaed, or 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, within ten (10) days of scheduled departure date;

  b. You and/or your traveling companion are the victim of felonious assault within ten (10) days of departure;

  c. You, your traveling companion or family member are kidnapped or disappear after the effective date of your Trip Cancellation coverage as substantiated by a police report;

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

  e. Cancellation of a covered trip as a result of riot or civil disorder for at least twenty‐four (24) 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.

  SINGLE OCCUPANCY
  We will reimburse you, up to the Trip Cancellation and 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.