If You miss Your cruise or tour departure because Your arrival at Your Trip destination is delayed for 3 or more hours, benefits will be paid, on a one-time basis, up to the Maximum Benefit Amount, for

1. the Additional Transportation Cost to join the Trip and
2. the unused portion of the prepaid expenses for land or water Travel Arrangements, due to:
   1. any delay of a Common Carrier (the delay must be certified by the Common Carrier);
   2. a documented weather condition preventing You from getting to the point of departure; c) quarantine, hijacking, Strike, natural disaster, terrorism or riot.

These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.