Worldwide Trip Protector

OPTIONAL TRAVEL INCONVENIENCE

We will pay You, the amount shown in the Schedule of Benefits, if while on a Trip, any of the following covered Unforeseen reasons occur:

1. Closed Attractions

 a. ski resort at Your Scheduled Destination closes all or part of its facilities for at least 2 days due to lack of snow, Inclement Weather, or Natural Disaster causing cessation of services during operating hours;
b. golf course at Your Scheduled Destination closes all or part of its facilities for at least 2 days due to Inclement Weather or Natural Disaster causing cessation of services during operating hours;
c. amusement park at Your Scheduled Destination closes all or part of its facilities for at least 2 days due to park equipment breaks down, Inclement Weather, or Natural Disaster causing cessation of services during operating hours;

2. Beach Closure: the beach at Your Scheduled Destination is closed for at least 24 consecutive hours by government authorities and there are no alternate beaches open within a 5 mile radius of the Scheduled Destination;

3. Missing work: Your arrival at the Return Destination is delayed by 2 or more days due to a Common Carrier caused delay. Documentation that You are scheduled to work, such as a written statement from the employer, will be required. In the situation of self-employment, proof of self-employment and a notarized statement confirming that You are required to work;

4. Flight Delay: Your flight at the Scheduled Destination or Return Destination is delayed by 6 or more hours by an Air Common Carrier, based on the arrival time at the ticketed arrival airport. In the event of a dispute regarding the length of the delay, information from the U.S. Department of Transportation or other similar governmental sources will be considered the final authority;

5. Flight Cancellation: the complete cancellation of a Air Common Carrier flight on which You had a confirmed ticket;

6. Flight Diversion: Your Air Common Carrier flight arrives at a different airport than Your originally ticketed destination;

7. Tarmac Delay: Your Air Common Carrier flight is delayed on the runway for 3 or more consecutive hours. In the event of a dispute regarding the length of the delay, information from the U.S. Department of Transportation or other similar governmental sources will be considered the final authority;

8. Cruise Diversion: Your cruise does not stop at a scheduled port of call due to Inclement Weather, a Natural Disaster, a hijacking, an unannounced strike, a Civil Disorder or Riot, a Terrorist Incident, a mechanical breakdown, or a medical incident involving another passenger on the ship;

9. River Cruise Diversion: Your river cruise is unable to sail or to complete its scheduled itinerary due to insufficient or excessive water levels in the body of water where the cruise is scheduled to sail, and the Travel Supplier provides only land-based alternative accommodations; proof of the river cruise diversion must be documented by the river cruise;

10. Rainy Vacation: the beach area at Your Scheduled Destination experiences rainfall during 50% or more of Your stay at that location; weather reports at Your Scheduled Destination will be required;

11. Rental Car Breakdown: Your Rental Car breaks down, causing You to arrive at least 12 hours late at the Scheduled Destination or Return Destination; proof of Rental Car breakdown will be required;

12. Hotel Infestation: You are required to stay at a different hotel than the one originally booked due to a Vermin infestation; proof of the hotel Infestation must be provided at time of claim;

13. Hotel or Vacation Rental Property Construction: the hotel or vacation Rental Property that You were booked to stay in is undergoing construction or renovation, which prevents You from accessing the pool, fitness room, water park, or restaurants, which You would otherwise have access to. Proof must be provided by the hotel or vacation Rental Property;

14. Rental Property Lockout: if the key(s) to Your vacation Rental Property are lost, stolen or damaged, preventing access to the property for 3 or more hours. It must be substantiated by a report from the Rental Property owner;

15. Credit/Debit Card Cancelled: Your credit or debit card is cancelled while on Your Trip for reasons outside of Your control;

16. Hotel Late Arrival Benefit: if You are delayed due to a covered flight delay, flight cancellation, or Tarmac Delay while on a Trip, and as a result of the delay You also miss at least one night’s accommodation with pre-paid lodging;

17. Theft of Business Money: for theft of business money which is the property of You (if self-employed) or Your employer for the purpose of the business Trip. Coverage applies while the business money is in Your possession or while it is held in locked safety deposit facilities. Business money includes cash and traveler's checks. The theft must be substantiated by a police report and a confirmation from Your employer that You were in possession or were responsible for business money during Your Trip;

18. Delay at Security Check-in: if there is a delay at the security check in that causes You to miss the Flight. You must show proof that You arrived to the airport at least 2 hours before the covered flight;

19. Security Breach Delay: Security Breach while at an airport or other port occurring during Your Trip for at least 6 consecutive hours preventing You from reaching Your Scheduled Destination;

20. Terminal Evacuation: if You are evacuated from the terminal where a scheduled Departure or landing is delayed due to a security breach. The airport must be closed for 5 hours;

21. Vacation Rental Distributors Inconvenience: the lodging is not what was advertised and You decided not to stay. This needs to be verified by the advertisement, invoice and request for cancellation;

22. Cruise Disablement: if You are confined for more than 6 hours on the cruise ship operating without one or more of the following essential provisions: power, food, water or restroom facilities or due to a crime that occurs on the cruise while on a Trip.

The maximum limit payable between all events will not exceed the Travel Inconvenience Benefit limit shown in the Schedule of Benefits.
This benefit may not be combined with Trip Cancellation, Trip Interruption, Trip Delay, Bag Delay, or Emergency Evacuation benefits.
These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.