Trip Interruption

• What is Trip Interruption?
  Trip Interruption provides reimbursement for prepaid and non-refundable trip payments if a portion of a trip is missed, or the traveler must return home early due to unforeseen circumstances, including illness, injury, or death.

• What am I covered for?
  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 sickness, injury or death;

  1. Occurring to you or your traveling companion, a family member traveling with you or service animal. Sickness or injury must be 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. You or your traveling companion or the family member must be examined in person or via telemedicine technology by a physician during the covered trip and the physician must advise you or your traveling companion to interrupt the trip;

  2. Occurring to a family member not traveling with you that is considered life‐threatening, as certified by a physician, 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; via an in‐person examination or via telemedicine technology;

  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 your host at destination. A physician must certify the sickness or injury;

  5. Occurring to a childcare provider if there is no other substitute for the childcare provider. A physician must certify the sickness or injury;

  6. 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 via an in‐person examination or via telemedicine technology;

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

  c. 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;

  d. You or your traveling companion being quarantined during the covered trip at your destination or a city shown in your itinerary while on your covered trip. Benefits for loss due to quarantine are payable for a maximum of five (5) days.

  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 interruption 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. A strike is foreseeable on the date labor union members vote to approve a strike. Coverage is only valid if your policy is effective prior to when the strike is foreseeable;

  c. Mechanical/Equipment failure of a common carrier which results in an interruption or delay during 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. Your or your traveling companion’s primary residence being made uninhabitable by natural disaster; vandalism, or burglary. Coverage for a hurricane applies only if insurance was purchased prior to the storm being upgraded to a hurricane;

  b. Weather 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; or

  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 during the covered trip, 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;

  b. You or your traveling companion are the victim of a felonious assault during your 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 during the covered trip and within a fifty (50) mile radius of the territorial city limits of the city you are in or that will be visited to be visited as shown in your itinerary; and

  e. Interruption of a covered trip 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 during the covered trip to provide aid or relief in the event of a natural disaster, or military leave is revoked or reassigned during the covered trip, 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. 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 fare, 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 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.