Reimburses forfeited, non-refundable, unused payments or deposits up to the maximum shown on the Schedule of Benefits or trips that are canceled or interrupted due to covered reasons such as:
(a) accidental injury, sickness or death of you, your traveling companion, your family member or your business partner;
(b) death or hospitalization of your host at destination; inclement weather, natural disaster, or terrorist attack at point of departure or destination which renders accommodations uninhabitable;
(c) mandatory evacuation at final destination due to hurricane or other natural disaster;
(d) named hurricane causing cancellation of travel at destination;
(e) natural disaster or man-made disaster at destination which renders accommodations at destination uninhabitable;
(f) common carrier strike for at least 24 hours;
(g) common carrier mechanical breakdown which results in cancellation or suspension of travel;
(h) employment transfer causing principal residence relocation;
(i) termination or laid off from employment from a place of employment which you have been employed for past 3 consecutive years;
(j) company is directly involved in a merger or acquisition;
(k) your business operations interrupted by fire, flood, burglary, vandalism, product recall, bankruptcy, natural disaster, or financial default;
(l) within 30 days of departure, a politically motivated terrorist attack occurs within a 100 mile radius of the city to be visited, and if the United States government issues a travel advisory indicating that Americans should not travel to a city named on the itinerary;
(m) bankruptcy and/or default of travel supplier which occurs more than 14 days following effective date;
(n) documented theft of passports or visas;
(o) unable to participate in a scheduled hunting, fishing, or sport expedition due to a delay of personal necessary sports equipment by customs or common carrier;
(p) hijacked; quarantined;
(q) required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided you are or your traveling companion are not a party to the legal action or appearing as a law enforcement officer, the victim of felonious assault, having principal place of residence made uninhabitable by fire, flood or other natural disaster, or burglary of principal place of residence within 10 days of departure;
(r) directly involved in or delayed due to a traffic accident substantiated by a police report, while en route to departure;
(s) called to emergency duty due to a natural disaster other than war, military duty within 30 days of departure, or your leave revoked or are redeployed;
(ts) United States government or government authorities at destination prohibit the kind of activities you planned to do, prohibitions include: closing a reserve, banning all hunting, declaring the kind of hunting you were planning to do illegal, any other prohibitions we approve;
(u) cancellation of your covered trip if your arrival on the covered trip is delayed and causes the loss of 50% or more of the scheduled covered trip duration due to the reasons covered under the trip delay benefit.
For a complete list of covered reasons, refer to the Certificate of Insurance or Policy.

If You are prevented from taking the Covered Trip for any reason not listed as an Unforeseen reason or otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

(a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and
(b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and
(c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

Reimburses up to $200 per day/per person up to the maximum shown in the schedule of benefits for additional expenses if delayed en route to or from the covered trip for 3 or more hours due to defined hazard.

Reimburses up to the benefit shown in the schedule of benefits for missed departure due to cancellation or delay for 3 or more hours of all regularly scheduled airline flights due to inclement weather or any delay caused by common carrier. Benefits are provided to cover additional transportation expenses needed to join the trip, reasonable accommodations and meal expenses and non-refundable trip payments for the unused portion of trip.

We will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Covered Trip, sustain a loss shown in the Table below. The loss must occur within 365 days after the date of the Accident causing the loss. The Principal Sum is shown on the Schedule of Benefits.

If more than one loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained loss shown in the Table of Losses.

We will pay benefits for Accidental Injuries resulting in a Loss as described in the Table of Losses below, that occurs while You are riding as a passenger in or on, boarding or alighting from, any air, sea or land conveyance operated under a license for the transportation of passengers for hire during the Covered Trip. The Loss must occur within 365 days after the date of the Accident causing the Loss. The Principal Sum is shown on the Schedule of Benefits.

If more than 1 Loss is sustained as the result of an Accident, the amount payable shall be the largest amount shown.

We will pay Reasonable and Customary Charges up to the limit shown on the Schedule of Benefits, if You incur necessary Covered Medical Expenses as a result of an Accidental Injury or Sickness which occurs during the Covered Trip. You must receive initial treatment for Accidental Injuries or Sickness while on the Covered Trip.

Covered Medical Expenses include but are not limited to:
(a) the services of a Physician;
(b) charges for Hospital confinement and use of operating rooms, Hospital or ambulatory medical-surgical center services (this will also include expenses for a Cruise ship cabin or Hotel room, not already included in the cost of Your Covered Trip, if recommended as a substitute for a Hospital room for recovery from an Accidental Injury);
(c) charge for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests;
(d) ambulance service;
(e) drugs, medicines, prosthetics and therapeutic services and supplies;
(f) emergency dental treatment for the relief of pain.

We will not pay benefits in excess of the Reasonable and Customary Charges. We will not cover any expenses incurred by another party at no cost to You or already included within the cost of the Covered Trip.

We will pay benefits, up to $750.00, for emergency dental treatment for Accidental Injury to sound natural teeth.

We will advance payment to a Hospital, up to the maximum shown on the Schedule of Benefits, if needed to secure Your admission to a Hospital because of Accidental Injury or Sickness.

 

We will waive the pre-existing medical condition exclusion up to the Trip Cost per person if the following conditions are met: 1. The Eligible Person purchases the travel protection insurance within 14 days of making the Initial Trip Payment; 2. The amount of insurance coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the Trip at the time of purchase and the cost of any subsequent arrangement(s) added to the same Trip are insured within 14 days of the date of payment or deposit for any subsequent Trip arrangement(s); and 3. An Insured is medically able to travel when premium is paid.

Will pay up to the maximum shown on the schedule of benefits, for loss, theft or damage to Baggage and personal effects, provided all reasonable measures to protect, save and/or recover the property has been taken. There is a per article limit of $300.  The Baggage and personal effects must be owned by and accompany you during the trip. If you have checked your baggage with a common carrier and delivery is delayed, coverage for baggage will be extended until common carrier delivers it.

Will pay up to the maximum shown on the schedule of benefits, if your checked baggage is delayed or misdirected by common carrier for more than 12 hours.

If Your Checked Baggage is delayed after You have reached Your destination and the Common Carrier makes a charge for delivery, We will pay the reasonable cost up to the Baggage Delivery Maximum Benefit shown on the Schedule of Benefits to deliver Your Checked Baggage to Your Destination. A copy of the delivery invoice and verification of the delay or misdirection by the Common Carrier must be submitted with the claim.

If your sports equipment is lost by common carrier, or damaged, or stolen, we will pay up to the amount in the schedule of benefits provided all reasonable measures to protect, save and recover property has been taken.

Covers evacuation and transportation services to your home country hospital of choice when you’re (i) hospitalized, (ii) require hospitalization or (iii) have a medical condition which requires emergency medical care to avoid death or serious and permanent impairment to your health.  Covers deployment of medical professionals to your bedside as case managers.

Covers extraction to your home country due to political, military, unpredictable natural disasters or other security events.

Critical medical advice from paramedics, nurses and physicians, combined with expert security consulting services from military and intelligence veterans.

Travel assistance services to include passport assistance, prescription refill, payment guarantees, cash advance and more.