TRAVEL ARRANGEMENT PROTECTION TRIP CANCELLATION. If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined: 1. Your or a Family Member’s death that occurs before departure on Your Trip;. 2. Your or a Family Member’s Sickness or Injury, that: a. occurs before departure on Your Trip; b. is examined and treated by a Physician prior to cancellation unless it is not reasonably possible to do so; and c. as certified by a Physician, results in medical restrictions so disabling as to cause You to cancel Your Trip; 3. Sickness, Injury, or death of Your Child Caregiver, which results in medically imposed restrictions as certified by a Physician at the time of loss preventing You from participating in the Trip. A Physician must advise the Child Caregiver is unable to provide basic childcare services while You are on Your Trip on or before the Scheduled Departure Date; or 4. You must cancel Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect: 1. You are suffering a Mental, Nervous or Psychological condition or disorders which require Hospitalization or Partial Hospitalization. Hospitalization or Partial Hospitalization must be for at least 2 or more days before Your Scheduled Trip. A Physician must certify the condition as preventing You from going on the Trip; 2. You 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; 3. Your Primary Residence or Scheduled Destination Accommodations are made Uninhabitable and remain Uninhabitable during Your Trip or are inaccessible by the mode of transportation as shown on the travel documents or itinerary within 30 days of Your Scheduled Departure Date by a Natural Disaster, or vandalism or burglary. Coverage for a hurricane applies only if You purchased insurance prior to the tropical storm first being upgraded to a hurricane. 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 applies only if You purchased the policy within the Time Sensitive Period; 4. You are hijacked or Quarantined; 5. You are subpoenaed, or served with a court order, or required to serve on a jury, or required to appear as a witness in a legal action, provided You are not: 1) a party to the legal action; or except 2) appearing in a law enforcement capacity; 6. You are called to active military duty either to serve or to provide aid or relief in the event of a Natural Disaster, an Epidemic, a Civil Disorder, or Terrorist Incident other than war; 7. a documented theft of Your passports or travel documents or visas specifically required for Your Trip. A police report must substantiate the theft or the copy of the request for a new passport, or travel documents, or visas; 8. You are involuntarily terminated or laid off from Your or their employment. The termination notice must occur at least 30 days after Your Trip Cancellation Effective Date. You must have been an active employee with the same employer for at least 1 continuous year.
Appears in 1 contract
Samples: Individual Travel Insurance Policy
TRAVEL ARRANGEMENT PROTECTION TRIP CANCELLATION. If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined:
1. Your or Your, a Family Member’s, or a Traveling Companion’s death that occurs before departure on Your Trip;.
2. Your or Your, a Family Member’s, or a Traveling Companion’s Sickness or Injury, that:
a. occurs before departure on Your Trip;
b. is examined and treated by a Physician prior to cancellation unless it is not reasonably possible to do so; and
c. as certified by a Physician, results in medical restrictions so disabling as to cause You to cancel Your Trip;
3. Sickness, Injury, or death of Your Child Caregiver, which results in medically imposed restrictions as certified by a Physician at the time of loss preventing You from participating in the Trip. A Physician must advise the Child Caregiver is unable to provide basic childcare services while You are on Your Trip on or before the Scheduled Departure Date; or
4. You or Your Traveling Companion must cancel Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect:
1. You or Your Traveling Companion are suffering a Mental, Nervous or Psychological condition or disorders which require Hospitalization or Partial Hospitalization. Hospitalization or Partial Hospitalization must be for at least 2 or more days before Your Scheduled Trip. A Physician must certify the condition as preventing You or Your Traveling Companion from going on the Trip;
2. 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;
3. Your or Your Traveling Companion’s Primary Residence or Scheduled Destination Accommodations are made Uninhabitable and remain Uninhabitable during Your Trip or are inaccessible by the mode of transportation as shown on the travel documents or itinerary within 30 days of Your Scheduled Departure Date by a Natural Disaster, or vandalism or burglary. Coverage for a hurricane applies only if You purchased insurance prior to the tropical storm first being upgraded to a hurricane. 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 applies only if You purchased the policy within the Time Sensitive Period;
4. You or Your Traveling Companion are hijacked or Quarantined;
5. You or Your Traveling Companion are subpoenaed, or served with a court order, or 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; or except 2) appearing in a law enforcement capacity;
6. You or Your Traveling Companion are called to active military duty either to serve or to provide aid or relief in the event of a Natural Disaster, an Epidemic, a Civil Disorder, or Terrorist Incident other than war;
7. Your or Your Traveling Companion’s previously granted military leave is revoked or reassigned for reasons due to war or an act of war. Official written revocation/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 Cancellation coverage and the leave revoked or reassigned after the Effective Date of Trip Cancellation coverage;
8. a documented theft of Your passports or travel documents or visas specifically required for Your Trip. A police report must substantiate the theft or the copy of the request for a new passport, or travel documents, or visas;
8. You are involuntarily terminated or laid off from Your or their employment. The termination notice must occur at least 30 days after Your Trip Cancellation Effective Date. You must have been an active employee with the same employer for at least 1 continuous year.
Appears in 1 contract
Samples: Individual Travel Insurance Policy
TRAVEL ARRANGEMENT PROTECTION TRIP CANCELLATION. If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined:
1. Your or Your, a Family Member’s, or a Traveling Companion’s death that occurs before departure on Your Trip;.; or
2. Your or Your, a Family Member’s, or a Traveling Companion’s Sickness or Injury, that:
a. occurs before departure on Your Trip;
b. is examined and treated by a Physician or Veterinarian prior to cancellation unless it is not reasonably possible to do socancellation; and
c. as certified by a Physician, results in medical restrictions so disabling as to cause You to cancel Your Trip;.
3. Sickness, Injury, You or death of Your Child Caregiver, which results in medically imposed restrictions as certified by a Physician at the time of loss preventing You from participating in the Trip. A Physician must advise the Child Caregiver is unable to provide basic childcare services while You are on Your Trip on or before the Scheduled Departure Date; or
4. You Traveling Companion must cancel Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect:
1. You or Your Traveling Companion are suffering a Mental, Nervous or Psychological condition or disorders which require Hospitalization or Partial Hospitalization. Hospitalization or Partial Hospitalization must be for at least 2 or more days before Your Scheduled Trip. A Physician must certify the condition as preventing You from going on the Trip;
2. You are directly involved in delayed due to a traffic accident, while en route to Your Scheduled Trip Departure CityDestination. The traffic accident must be documented by a police report or news report;
2. mechanical breakdown/equipment failure of a Common Carrier on which You are scheduled to travel that causes a cancellation or delay of Your or Your Traveling Companion’s travel for at least 48 consecutive hours;
3. Due to a Natural Disaster, a mandatory evacuation is ordered or recommended by local government authorities at Your Scheduled Destination which prevents You from traveling to/arriving at Your Scheduled Destination;
4. an unannounced Strike results in a complete cessation of services for at least 48 consecutive hours of a Common Carrier on which You or Your Traveling Companion are scheduled to travel which prevents You from reaching Your Scheduled Destination;
5. 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 travel on Your Trip route, or of a Common Carrier on which You or Your Traveling Companion are scheduled to travel which prevents You from reaching Your Scheduled Destination or Scheduled Trip Departure City;
6. Your or Your Traveling Companion’s Primary Residence or Scheduled Destination Accommodations are made Uninhabitable and remain remains Uninhabitable during Your Trip or are inaccessible by the mode of transportation as shown on the travel documents or itinerary within 30 10 days of Your Scheduled Departure Date by a Natural Disaster, Disaster or vandalism or burglary. Coverage for ; Claims are not payable if a hurricane applies only if You purchased insurance is foreseeable prior to Your Effective Date for Trip Cancellation. A hurricane is foreseeable on the tropical storm first being upgraded to date it becomes a hurricane. We will only pay the benefits for losses occurring within 30 days after the named hurricane renders Your Scheduled Destination Uninhabitable or inaccessiblestorm. This coverage applies only if You purchased the policy within the Time Sensitive Period;
47. You or Your Traveling Companion are hijacked or Quarantined;
58. You or Your Traveling Companion are subpoenaed, or served with a court order, or 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; or except 2) appearing in a law enforcement capacity;
69. You or Your Traveling Companion are called to active military duty either to serve or to provide aid or relief in the event victim of a Natural DisasterFelonious Assault within 10 days prior to the Scheduled Departure Date;
10. You have an involuntary transfer of employment within the same organization of 250 or more miles which requires Your Primary Residence to be relocated. Provided that You have been an active employee for the same employer for at least 2 continuous years. Notification of the transfer must occur after the Effective Date of Your Trip Cancellation Coverage and the transfer must occur within 30 days of the Scheduled Departure Date. This provision is not applicable to temporary or seasonal employment, independent contractors, freelancer or self- employed persons;
11. Your or Your Traveling Companion’s previously granted military leave is revoked or reassigned for reasons due to war or an Epidemic, a Civil Disorder, act of war or Terrorist Incident for reasons other than warfor war within 30 days of the Scheduled Departure Date. Official written revocation/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 Cancellation coverage and the leave revoked or reassigned after the Effective Date of Trip Cancellation coverage;
7. a documented theft of Your passports or travel documents or visas specifically required for Your Trip. A police report must substantiate the theft or the copy of the request for a new passport, or travel documents, or visas;
812. You are involuntarily terminated or laid off from Your or their employment. The termination notice must occur at least 30 10 days after Your Trip Cancellation Effective Date. You must have been an active employee with the same employer for at least 1 2 continuous yearyears. This provision is not applicable to temporary or seasonal employment, independent contractors, freelancer or self-employed persons;
13. You or Your Traveling Companion are a student (or are a parent of a student) or are employed either as a full- time teacher or other full-time employee at an elementary, middle or high school and are required to attend/cover an extended school year that falls during or beyond the Scheduled Departure Date. Notice of the extended school year must be provided after the Trip Cancellation Effective Date. School extensions due to extra-curricular, athletic events or failing grades are not covered;
14. You are required to work during Your Trip and directly involved in a merger, acquisition, bankruptcy proceedings or voluntary or government required product recall. The company that is involved in said event must currently employ You and the action requires You to work as a result. You must be an active, full-time employee and cannot be a company owner or partner;
15. Your or Your Traveling Companion’s place of business 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.
16. closure of at least 50% of trails or slopes at the Scheduled Destination before the Scheduled Departure Date, due to insufficient snow, Natural Disaster, or adverse weather. This coverage is available from December 24th through April 1sth for ski resorts in the northern hemisphere, and May 30th through September 1st for ski resorts in the southern hemisphere;
17. Your Pet or Service Animal is sick, diagnosed with a terminal illness, injured or dies within 10 days prior to the Scheduled Departure Date. You must provide veterinary records documenting the illness, injury or death of Your Pet or Service Animal;
18. a cancellation of Your Trip if Your arrival on Your 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.
Appears in 1 contract
Samples: Individual Travel Insurance Policy
TRAVEL ARRANGEMENT PROTECTION TRIP CANCELLATION. If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined:
1. Your Your, or a Family Member’s, or a Traveling Companion’s, or a Business Partner’s death that occurs before departure on Your Trip;.
2. Your Your, or a Family Member’s, or a Traveling Companion’s, or a Business Partner’s Sickness or Injury, that:
a. occurs before departure on Your Trip;
b. is examined and treated by a Physician prior to cancellation unless it is not reasonably possible to do so; and
c. as certified by a Physician, results in medical restrictions so disabling as to cause You to cancel Your Trip;.
3. Sickness, Injury, You or death of Your Child Caregiver, which results in medically imposed restrictions as certified by a Physician at the time of loss preventing You from participating in the Trip. A Physician must advise the Child Caregiver is unable to provide basic childcare services while You are on Your Trip on or before the Scheduled Departure Date; or
4. You Traveling Companion must cancel Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect:
1. The Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including a Travel Supplier, that causes a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than 14 days following Your Effective Date for Your Trip Cancellation benefit. 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 are suffering a Mental, Nervous or Psychological condition or disorders which require Hospitalization or Partial Hospitalization. Hospitalization or Partial Hospitalization must be for at least 2 or more days before to transfer to another airline in order to get to Your Scheduled Trip. A Physician must certify the condition as preventing You from going on the Tripintended destination;
2. 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 or news report;
3. mechanical breakdown/equipment failure of a Common Carrier on which You are scheduled to travel that causes a cancellation or delay of Your travel for at least 24 consecutive hours provided no alternative Travel Arrangements were available;
4. an unannounced Strike results in a complete cessation of services for at least 24 consecutive hours of a Common Carrier on which You are scheduled to travel which prevents You from reaching Your Scheduled Destination;
5. Inclement Weather that causes a: complete cessation of services for at least 24 consecutive hours of a Common Carrier on which You are scheduled to travel which prevents You from reaching Your Scheduled Destination;
6. Your or Your Traveling Companion’s Primary Residence or Scheduled Destination Accommodations are made Uninhabitable and remain Uninhabitable during Your Trip or are is inaccessible by the mode of transportation as shown on the travel documents or itinerary within 30 days of Your Scheduled Departure Date by a Natural Disaster, Disaster or vandalism or burglary. Coverage for ; Claims are not payable if a hurricane applies only if You purchased insurance is foreseeable prior to Your Effective Date for Trip Cancellation. A hurricane is foreseeable on the tropical storm first being upgraded to date it becomes a hurricanenamed storm. We will only pay the benefits for losses occurring within 30 days after the named hurricane event renders Your Scheduled Destination Uninhabitable or inaccessible. This coverage applies only if You purchased the policy within the Time Sensitive Period;.
47. You or Your Traveling Companion are hijacked or Quarantined;
58. You or Your Traveling Companion are subpoenaed, or served with a court order, or required to serve on a jury, 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; or except 2) appearing in a law enforcement capacity.
9. You or Your Traveling Companion are the victim of a Felonious Assault within 10 days prior to the Scheduled Departure Date;
6. You are called to active military duty either to serve or to provide aid or relief in the event of a Natural Disaster, an Epidemic, a Civil Disorder, or Terrorist Incident other than war;
710. a documented theft of Your passports travel alert or travel documents warning for levels 4 and higher for cities listed on Your itinerary or visas if Your Scheduled Destination officially prohibits incoming US resident travel after Your Effective Date for Trip Cancellation, to a destination specifically required for listed on Your TripItinerary. A police report The travel alert/warning, etc. must substantiate the theft or the copy occur within 30 days of the request for a new passport, or travel documents, or visas;
8. You are involuntarily terminated or laid off from Your or their employment. The termination notice must occur at least 30 days after Your Trip Cancellation Effective scheduled Departure Date. You must have been an active employee with For up-to-date information refer to the same employer for at least 1 continuous year.U.S. State Department website at: xxxxx://xxxxxx.xxxxx.xxx/content/travel/en/traveladvisories/traveladvisories.html
Appears in 1 contract
Samples: Individual Travel Insurance Policy
TRAVEL ARRANGEMENT PROTECTION TRIP CANCELLATION. If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined:
1. Your Your, or a Family Member’s, or a Traveling Companion’s, or a Business Partner’s death that occurs before departure on Your Trip;.
2. Your Your, or a Family Member’s, or a Traveling Companion’s, or a Business Partner’s Sickness or Injury, that:
a. occurs before departure on Your Trip;
b. is examined and treated by a Physician prior to cancellation unless it is not reasonably possible to do so; and
c. as certified by a Physician, results in medical restrictions so disabling as to cause You to cancel Your Trip;.
3. Sickness, Injury, You or death of Your Child Caregiver, which results in medically imposed restrictions as certified by a Physician at the time of loss preventing You from participating in the Trip. A Physician must advise the Child Caregiver is unable to provide basic childcare services while You are on Your Trip on or before the Scheduled Departure Date; or
4. You Traveling Companion must cancel Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect:
1. You or Your Traveling Companion are suffering a Mentalattending the childbirth of Your Family Member or surrogate mother, Nervous or Psychological condition or disorders which require Hospitalization or Partial Hospitalization. Hospitalization or Partial Hospitalization provided the conception occurs after Your Effective Date for Trip Cancellation and must be for at least 2 or more days before Your Scheduled Trip. A Physician must certify the condition as preventing You from going on the Tripverified by medical records;
2. The Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including a Travel Supplier, that causes a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than 14 days following Your Effective Date for Your Trip Cancellation benefit. 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 intended 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 or news report;
34. mechanical breakdown/equipment failure of a Common Carrier on which You are scheduled to travel that causes a cancellation or delay of Your travel for at least 24 consecutive hours provided no alternative Travel Arrangements were available;
5. mandated shutdown by local government authorities of an airport or air traffic control system resulting in the complete cessation of services for at least 24 consecutive hours of Your Common Carrier;
6. an unannounced Strike results in a complete cessation of services for at least 24 consecutive hours of a Common Carrier on which You are scheduled to travel which prevents You from reaching Your Scheduled Destination;
7. Inclement Weather that causes a: complete cessation of services for at least 24 consecutive hours of a Common Carrier on which You are scheduled to travel which prevents You from reaching Your Scheduled Destination;
8. Your or Your Traveling Companion’s Primary Residence or Scheduled Destination Accommodations are made Uninhabitable and remain Uninhabitable during Your Trip or are is inaccessible by the mode of transportation as shown on the travel documents or itinerary within 30 days of Your Scheduled Departure Date by a Natural Disaster, Disaster or vandalism or burglary. Coverage for ; Claims are not payable if a hurricane applies only if You purchased insurance is foreseeable prior to Your Effective Date for Trip Cancellation. A hurricane is foreseeable on the tropical storm first being upgraded to date it becomes a hurricanenamed storm. We will only pay the benefits for losses occurring within 30 days after the named hurricane event renders Your Scheduled Destination Uninhabitable or inaccessible. This coverage applies only if You purchased the policy within the Time Sensitive Period;.
49. You or Your Traveling Companion are hijacked or Quarantined;
510. You or Your Traveling Companion are subpoenaed, or served with a court order, or required to serve on a jury, 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; or except 2) appearing in a law enforcement capacity.
11. You or Your Traveling Companion are the victim of a Felonious Assault within 10 days prior to the Scheduled Departure Date;
6. You are called to active military duty either to serve or to provide aid or relief in the event of a Natural Disaster, an Epidemic, a Civil Disorder, or Terrorist Incident other than war;
712. a documented theft of Your passports travel alert or travel documents warning for levels 4 and higher for cities listed on Your itinerary or visas if Your Scheduled Destination officially prohibits incoming US resident travel after Your Effective Date for Trip Cancellation, to a destination specifically required for listed on Your TripItinerary. A police report The travel alert/warning, etc. must substantiate the theft or the copy occur within 30 days of the request for a new passport, or travel documents, or visas;
8. You are involuntarily terminated or laid off from Your or their employment. The termination notice must occur at least 30 days after Your Trip Cancellation Effective scheduled Departure Date. You must have been an active employee with For up-to-date information refer to the same employer for at least 1 continuous year.U.S. State Department website at: xxxxx://xxxxxx.xxxxx.xxx/content/travel/en/traveladvisories/traveladvisories.html
Appears in 1 contract
Samples: Individual Travel Insurance Policy
