Trip Cancellation:

Not applicable if $0 limit displayed on Your Confirmation of Benefits

The Company will pay a benefit, up to the maximum shown on Your Confirmation of Benefits, if You are prevented from taking or continuing Your Trip due to the following Unforeseen events:

1. Sickness, Accidental Injury or death of You, or Your Traveling Companion, or Family Member or Business Partner of You or Your Traveling Companion; which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip. A Physician must advise cancellation of Your Trip on or before the Scheduled Departure Date;
2. You or Your Traveling Companion being hijacked, quarantined, or required to serve on a jury, subpoenaed, required to appear as a witness in a legal action provided You or a Traveling Companion are not a party to the legal action or appearing as a law enforcement officer, the victim of felonious assault within 10 days of departure; or having Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster; or burglary of Your principal place of residence within 10 days of departure;
3. Bankruptcy or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Coverage is not provided for the Bankruptcy or Default of the travel agent or Travel Supplier that solicited Your policy and from whom You purchased Your Land/Sea Arrangements. Benefits will be paid due to Bankruptcy or 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. You must purchase Your policy within 30 days of Your initial Trip deposit`;
4. You or Your Traveling Companion are directly involved in a traffic accident substantiated by a police report while en route to departure;
5. The death or hospitalization of Your Host at Destination;
6. If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within the territorial limits of a City listed on Your itinerary. The Terrorist Attack must occur after the Effective Date of Your Trip Cancellation coverage;
7. You or Your Traveling Companion or Family Member who are military personnel, are called to emergency duty for a Natural Disaster or have their leave revoked or are reassigned;
8. Strike that causes complete cessation of services for at least 24 consecutive hours;
9. Weather which causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours;
10. You or Your Traveling Companion are terminated, or laid off from employment subject to one year of continuous employment at the place of employment where terminated ;
11. Natural Disaster at the site of Your destination which renders Your destination accommodations uninhabitable;
12. Mandatory evacuation ordered by local authorities at Your final destination due to hurricane or other Natural Disaster. You must have 50% of Your total Trip length or less remaining on the Trip, at the time the mandatory evacuation ends, in order to cancel the Trip;
13. Your or Your Traveling Companion’s normal pregnancy as long as the pregnancy occurs after Your or Your Traveling Companion’s Effective Date of coverage and can be verified by medical records;
14. You will be attending a Family Member’s childbirth as long as the pregnancy occurs after Your Effective Date of coverage and can be verified by medical records;
15. The primary or secondary school where You, Your Traveling Companion or Your Dependent Children attend(s) must extend its operating session beyond the pre-defined school year, due to Unforeseen events commencing during Your policy effective period, and the travel dates for the Trip fall within the period of the school year extension. Extensions due to extra-curricular or athletic events are not covered.