Trip Protector includes Global Intelligence tools assisting in trip preparation via security and health information, in your travel destination. HTH operates its own "best of class" physician community in 170 countries ensuring access to the top 2% of doctors, worldwide.

Trip Cancellation coverage provides benefits for losses you incur for "trips" cancelled up to the time and date of departure. Trip Interruption coverage provides benefits for losses you incur for "trips" that are interrupted after the time and date of departure. We will pay this benefit if your "trip" is cancelled or interrupted due to any of these events or if your "traveling companion's" "trip" is cancelled or interrupted and your "traveling companion" has a valid claim on a Commercial Union travel insurance policy. Losses are payable only for those events which could not have been reasonably foreseen by you, are outside your control and substantially impair your ability to travel.

• Unforeseeable "sickness" or "injury" (requiring examination or treatment by a "doctor" prior to the cancellation or interruption of your "trip") or death of you or a "family member". "Sickness" or "injury" must be so disabling, in the written opinion of a "doctor", as to reasonably cause you to interrupt or cancel your "trip". If you must cancel or interrupt your "trip" due to "injury" or "sickness" of a "family member," it must be because their condition is life-threatening, or because the "family member" requires your care. Cancellations due to the death of a non-traveling "family member" are covered only if the death occurs within 60 days of your scheduled "trip departure date."
• Unforeseeable "financial default" or bankruptcy of any tour operator, hotel, resort, rental car company, other travel supplier or "common carrier" whose services or products constitute all or part of your "trip". "Financial default" occurring on or before the "certificate effective date", or less than seven (7) days after the "certificate effective date", is not covered.
• A "terrorist incident" in a foreign city to which you were scheduled to arrive within 30 days following the incident.
• Adverse weather or natural disasters resulting in the complete cessation of travel services.
• Your "home" being made uninhabitable by fire, flood, vandalism, burglary or natural disaster.
• You being subpoenaed, required to serve on a jury, hijacked or quarantined.
• A covered Travel Delay which results in the loss of more than 50% of your scheduled "trip" length.
• Carrier caused delays due to adverse weather that affect public transportation.
• Travel arrangements cancelled by a tour operator or "common carrier" due to adverse weather that affect public transportation.