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Common use of Expenses covered Clause in Contracts

Expenses covered. The following expenses are covered, provided they are incurred by the insured. a) In the event of cancellation prior to departure: • The non-refundable portion of prepaid travel expenses. • Additional expenses incurred by the insured if the insured’s travel companion must cancel due to one of the eligible reasons for cancellation provided hereunder and the insured decides to proceed with the trip as initially planned; expenses are eligible up to the amount of the cancellation penalty applicable at the time the travel companion has to cancel. • The non-refundable portion of prepaid travel expenses, up to 70% of such expenses, if the insured’s departure is delayed due to atmospheric conditions and the insured decides not to proceed with the trip. b) In the event of missed departure, at the beginning of or during the trip, due to one of the reasons provided hereunder, the additional cost charged by a scheduled public carrier for economy class travel, via the most direct route, to the initially planned trip destination. c) If the return is earlier or later than planned: • The additional cost of a one-way economy class ticket, by the most direct route to the point of departure, by the means of transportation initially planned, or if the initially planned means of transportation cannot be used, the fees charged by a scheduled public carrier for economy class travel, by the most economical means of transportation, via the most direct route, for the insured to return to the initial point of departure; these expenses must be pre-approved by the Insurer. • However, if the insured’s return is delayed by more than seven days due to an accident or illness suffered by the insured or travel companion, expenses incurred are eligible, provided the person in question was admitted to hospital as an inpatient for more than 48 hours within the seven-day period. • The unused and non-refundable portion of the ground portion of prepaid travel expenses. d) If the return is earlier or later than planned due to the issuance of a Canadian government travel advisory or if the risk level of an existing advisory is upgraded, as indicated in the eligible cancellation or interruption causes section under this benefit: The cost of accommodation and meals in a commercial establishment incurred by the insured, as well as essential telephone communication and additional travel expenses, subject to a daily maximum allowance of $300, per insured and an overall maximum of $3,000 per insured for the duration of the stay: i) During transit to the destination when the insured must change travel plans, or; ii) During transit to return to the point of departure when the insured is unable to return by the initially planned means of transportation, or; iii) In the event of a trip extension. e) In the event of default by a travel services provider: Subject to the following provisions and subrogation in favour of the Insurer for any amount reimbursed, the Insurer will cover the financial loss incurred due to default by the service provider up to the amount eligible for reimbursement under this benefit: • If the default occurs before departure, the Insurer will reimburse the non- refundable portion of prepaid travel expenses. • If the default occurs after departure, the Insurer will reimburse the unused and non-refundable portion of prepaid travel expenses. For the purposes of this contract, the Insurer’s liability is limited to $500,000 for all claims due to the same travel services provider’s default, and to an overall maximum of $1,000,000 per calendar year for all claims submitted with regard to defaults by travel services providers.

Appears in 3 contracts

Samples: Group Insurance Contract, Group Insurance Contract, Group Insurance Contract

Expenses covered. The following expenses are covered, provided they are incurred by the insured. a) In the event of trip cancellation prior to departure: • The non-refundable portion of prepaid travel expenses. • Additional expenses incurred by the insured if the insured’s travel companion must cancel due to one of the eligible reasons for cancellation provided hereunder and the insured decides to proceed with the trip as initially planned; expenses are eligible up to the amount of the cancellation penalty applicable at the time the travel companion has to cancel. • The non-refundable portion of prepaid travel expenses, up to 70% of such expenses, if the insured’s departure is delayed due to atmospheric conditions and the insured decides not to proceed with the trip. b) In the event of missed departure, at the beginning of or during the trip, due to one of the reasons provided hereunder, the additional cost charged by a scheduled public carrier for economy class travel, via the most direct route, to the initially planned trip destination. c) If the return is earlier or later than planned: • The additional cost of a one-way economy class ticket, by the most direct route to the point of departure, by the means of transportation initially planned, or if the initially planned means of transportation cannot be used, the fees charged by a scheduled public carrier for economy class travel, by the most economical means of transportation, via the most direct route, for the insured to return to the initial point of departure; these expenses must be pre-approved by the Insurer. • However, if the insured’s return is delayed by more than seven days due to an accident or illness suffered by the insured or travel companion, expenses incurred are eligible, provided the person in question was admitted to hospital as an inpatient for more than 48 hours within the seven-day period. • The unused and non-refundable portion of the ground portion of prepaid travel expenses. d) If the return is earlier or later than planned due to the issuance of a Canadian government travel advisory or if the risk level of an existing advisory is upgraded, as indicated in the eligible cancellation or interruption causes section under this benefit: The cost of accommodation and meals in a commercial establishment incurred by the insured, as well as essential telephone communication and additional travel expenses, subject to a daily maximum allowance of $300, per insured and an overall maximum of $3,000 per insured for the duration of the stay: i) During transit to the destination when the insured must change travel plans, or; ii) During transit to return to the point of departure when the insured is unable to return by the initially planned means of transportation, or; iii) In the event of a trip extension. e) In the event of default by a travel services provider: Subject to the following provisions and subrogation in favour of the Insurer for any amount reimbursed, the Insurer will cover the financial loss incurred due to default by the service provider up to the amount eligible for reimbursement under this benefit: • If the default occurs before departure, the Insurer will reimburse the non- refundable portion of prepaid travel expenses. • If the default occurs after departure, the Insurer will reimburse the unused and non-refundable portion of prepaid travel expenses. For the purposes of this contract, the Insurer’s liability is limited to $500,000 for all claims due to the same travel services provider’s default, and to an overall maximum of $1,000,000 per calendar year for all claims submitted with regard to defaults by travel services providers.

Appears in 1 contract

Samples: Group Insurance Contract