Travel Select

TRIP CANCELLATION

The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured’s Trip is cancelled prior to the scheduled Departure Date and time for an Unforeseen Covered Event listed below. If the Insured has part of their trip cancelled or changed, prior to the scheduled departure date and time, the Company will reimburse for:

(a) Additional transportation expenses to reach the original Trip Destination; and
(b) Unused portion of the non-refundable pre-paid insured Trip Costs.

The benefit payable under (a) above will not exceed the cost of economy airfare or the same class as the Insured’s original ticket by the most direct route, less any refunds paid or payable.

UNFORESEEN COVERED EVENTS:
Medical / Health

(a) Injury or Sickness:

(1) Occurring to the Insured or a Traveling Companion that is so disabling as to cause a reasonable person to cancel or interrupt their Trip, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing continued participation in the Trip;

(2) Occurring to a Family Member not traveling that is considered life-threatening, as certified by a Physician or they require the Insured’s immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;

(3) Occurring to a Business Partner that is so disabling as to cause a reasonable person to cancel or interrupt their Trip to assume daily management of the business. Such disability must be certified by a Physician; or

(4) Occurring to the Insured’s Host At Destination. A Physician must certify the Sickness or Injury.

(b) Death of the Insured, Traveling Companion, Family Member, Business Partner, or Host At Destination.

(c) The Insured or Traveling Companion, or their Child, is Quarantined.

PREGNANCY RIDER
The following is added to Description of Benefits, Unforeseen Covered Events; Medical/Health

The Insured must cancel the Trip due to a Normal Pregnancy of the Insured or Traveling Companion or their spouse or Domestic Partner. The pregnancy must first be confirmed by a Physician after the Policy Effective Date. The Normal Pregnancy must fall within the scheduled Trip;

ORGAN DONATION RIDER
The following is added to Description of Benefits, Unforeseen Covered Events; Medical/Health

The Insured or Traveling Companion is on a list as a donor or recipient for an organ transplant and, after the Policy Effective Date, receives official notification that an organ match is available for immediate transplant. The transplant must be considered Medically Necessary, and a Physician must confirm that the transplant and/or surgery is so disabling as to prevent travel.

Environment

(a) Inclement Weather which causes delay or cancellation of travel;

(b) The Insured’s, or a Traveling Companion’s Primary Residence being made Uninhabitable by Natural Disaster, Named Storm, vandalism, or burglary;

(c) The Destination being made Uninhabitable or Inaccessible by Natural Disaster, vandalism, or burglary;

(d) A Named Storm causing cancellation or interruption of travel to the Insured’s Destination that is Inaccessible or Uninhabitable. A Named Storm becomes foreseeable on the date it is named by the National Oceanic and Atmospheric Administration (NOAA) or foreign equivalent. The Company will only pay benefits for Losses occurring more than 14 days from the Policy Effective Date and within 30 days after the Named Storm makes the Destination Uninhabitable or Inaccessible.

Other

(a) The Insured or a Traveling Companion is directly involved in a traffic accident (not including a mechanical breakdown), while en route to the Insured’s Destination. The traffic accident must be substantiated by a police report;

(b) Mechanical/equipment failure of a Common Carrier that occurs on the scheduled Trip Departure Date;

(c) Strike of a Common Carrier the Insured is scheduled to travel on, resulting in complete interruption of travel services at the point of departure or Destination. If comparable Travel Suppliers are available, coverage will be limited to the additional expenses, change fees, and increase in fare (if any) to book with the new Travel Supplier;

(d) The Insured or a Traveling Companion is a traveler on a hijacked aircraft, train, vehicle or vessel;

(e) The Insured or a Traveling Companion is legally required to attend a legal proceeding during the Trip, provided the attendance is not in the course of their occupation;

(f) The Insured or a Traveling Companion is called to active military service or as a reservist, or military leave is revoked or reassigned. The military leave for the dates of travel must have been approved prior to the Policy Effective Date;

(g) The Insured’s Host at Destination is called to active military service or as a reservist, or military leave is revoked or reassigned. The military leave for the dates of travel must be approved prior to the Policy Effective Date;

(h) The Insured or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to the Departure Date. No coverage is provided for Felonious Assault committed by another Insured, Family Member, Traveling Companion or Traveling Companion’s Family Member;

(i) The Insured, a Traveling Companion, or parent or legal guardian if the Insured is a Child, through no fault of his or her own is involuntarily terminated or laid off for more than 30 days. To qualify he or she must have been an active employee for the employer for at least 1 continuous year. Termination must occur following the Policy Effective Date. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons;

(j) The Insured, a Traveling Companion, or parent or legal guardian if the Insured is a Child, has an involuntary employer-initiated transfer of 100 or more miles which requires the Insured’s Primary Residence to be relocated; provided that he or she has been an active employee with the same employer for at least 1 continuous year. Notification of the transfer by the employer to the Insured must occur after the Policy Effective Date; 

ADOPTION RIDER
The following is added to Description of Benefits, Unforeseen Covered Events; Other

The Insured or a Traveling Companion, legally adopts a Child and the date of the placement or adoption falls during the Trip;

the Insured or Traveling Companion is traveling for the purpose of adopting a Child, but the adoption is cancelled for reasons beyond the Insured’s control. The adoption must be approved prior to the Policy Effective Date;

EXPEDITIONS RIDER
The following is added to Description of Benefits, Unforeseen Covered Events; Other

Cancellation of a scheduled event due to Inclement Weather or Named Storm prior to departing on the Trip provided attendance at the event was the sole reason for the Trip and the duration of the Trip does not exceed 48 hours before or after such an event;

The Insured is unable to participate in a scheduled hunting/fishing expedition due to a delay of the necessary personal sporting equipment by the Common Carrier;

The United States government or local government issues a hunting/fishing activity restriction at the Destination after the Policy Effective Date, which prohibits the hunting/fishing activity for which the Insured has booked the Trip. Such restrictions include but are not limited to: a government closure of the reserve, a ban on hunting/fishing, or the hunting/fishing activity being declared illegal.

CHILDBIRTH RIDER
The following is added to Description of Benefits, Unforeseen Covered Events; Other

The Insured must cancel their Trip due to a Family Member giving birth, or being expected to give birth, during the scheduled Trip. The pregnancy must first be confirmed by a Physician after the Policy Effective Date;

EXTENDED SCHOOL YEAR RIDER
The following is added to Description of Benefits, Unforeseen Covered Events; Other

The Insured or a Traveling Companion is employed as a full-time teacher or other full time employee, or is enrolled as a full time student, at a primary or secondary school and is required to complete an extended school year (including academic examinations) that falls on or beyond the Departure Date. School year extensions due to extra-curricular or athletic events are not covered;

TERRORIST INCIDENT RIDER
The following is added to Description of Benefits, Unforeseen Covered Events; Other

a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the scheduled arrival or during the Trip;

THEFT OF DOCUMENTS RIDER
The following is added to Description of Benefits, Unforeseen Covered Events; Other

Theft of passports or visas required for the Trip, substantiated by a police report:

FINANCIAL DEFAULT EARLY PURCHASE RIDER
The following is added to Description of Benefits, Unforeseen Covered Events; Other

The Financial Default of a Travel Supplier, provided all of the following conditions are met:

(1) This policy is purchased within the Early Purchase Window; and
(2) The default occurs more than 14 days following the Policy Effective Date.

The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit for Financial Default shown in the Schedule. If the Insured books with a comparable Travel Supplier, the Company will pay for the additional expenses to book with the new Travel Supplier.

The Company will not cover Losses resulting from a Financial Default of any person, organization, agency, Travel Supplier, or firm that directly procured travel arrangements for the Insured.

WORK REASONS EARLY PURCHASE RIDER
The following is added to Description of Benefits, Unforeseen Covered Events; Other

Cancel for Work Reasons coverage will be included for these additional Unforeseen events:

(1) the Insured or Traveling Companion is required to work during the scheduled Trip. They must provide proof of requirement to work, such as a notarized statement signed by an officer of their employer. This coverage is not available where the Insured or Traveling Companion is self-employed.

(2) the Insured or Traveling Companion’s company is the subject of a merger, acquisition, government required product recall, or bankruptcy proceedings, and the Insured or Traveling Companion is directly involved. This coverage is not available where the Insured or Traveling Companion is self-employed.

(3) the Insured’s or Traveling Companion’s company’s disaster recovery plan is activated, and the Insured or Traveling Companion is directly involved in the response.

Single Occupancy Benefit: If the Insured prepaid for shared accommodations and their Traveling Companion cancels their Trip due to one or more of the Unforeseen Covered Events, the Company will reimburse any additional accommodation fees the Insured is required to pay.

SPECIAL NOTIFICATION OF CLAIM
The Insured must notify the Travel Supplier and the Travel Insurance Administrator or an agent of the company within 72 hours or as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, the Insured must provide proof of the circumstance that prevented timely notification.