Vacation Renter Protector

TRIP CANCELLATION

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits subject to any applicable sub-limits, if You cancel Your Trip for any of the following reasons that are Unforeseen and takes place after Your Effective Date:

1. Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.

2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.

3. Sickness, Accidental Injury or death of a non-traveling Family Member.

4. After one (1) year of continuous employment at the same company, You are terminated or laid-off, from full time employment by that company through no fault of Your own;

5. Your or Your Traveling Companion’s transfer of employment of two hundred fifty (250) miles or more. You or Your Traveling Companion must have been employed with the transferring employer on Your Effective Date. The transfer must require Your Home to be relocated.

6. You or Your Traveling Companion have a previously approved military leave revoked or experience a military re-assignment.

7. You, Your Traveling Companion or Family Member, who are military personnel, are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war).

8. The primary or secondary school where You or Your Traveling Companion or Your or Your Traveling Companion’s minor child(ren) (under the age of eighteen (18)) attend(s) must extend operating session beyond the pre-defined school year and interferes with Your scheduled Trip dates.

9. You are required to take an academic examination on a date that was changed after Travel Arrangements were made, and the changed date falls on or after the Scheduled Departure Date and on or before the Scheduled Return Date.

10. Weather at the departure site that causes complete cessation of services for at least forty-eight (48) consecutive hours of the Common Carrier with whom You are scheduled to travel and prevents You from reaching Your destination. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this Policy.

11. Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable. This benefit will not apply if the Natural Disaster has been forecasted or a storm has been named prior to purchase of this Policy.

12. Your accommodations at Your destination made inaccessible due to fire, flood, volcano, earthquake, hurricane or other Natural Disaster. The Company will only pay benefits for losses occurring within fifteen (15) calendar days after the event renders the destination inaccessible. For the purpose of this coverage, inaccessible means Your accommodations can not be reached by Your original mode of transportation. In order to cancel Your trip, You must have four (4) days or fifty percent (50%) of Your total Trip length or less remaining at the time the destination is accessible. Benefits are not payable if the event occurs or if a storm is named prior to or on Your Effective Date.

13. Mandatory evacuation (or public official evacuation advisements where there is no mandatory evacuation) issued by local government authorities at Your Trip destination due to hurricane or other Natural Disaster. In order to cancel Your Trip, You must have four (4) days or fifty percent (50%) of Your total Trip length or less remaining on Your Trip at the time the mandatory evacuation ends.

14. You or a Traveling Companion is delayed or has arrangements cancelled by a Common Carrier due to delays resulting from Inclement Weather, mechanical breakdown, or organized labor Strikes that affect public transportation, provided:

(a) the scheduled carrier connecting times must be no less than ninety (90) minutes; and
(b) the scheduled time between arrival at the scheduled Trip departure city and the scheduled Trip departure is four (4) hours or longer;

15. An occurrence in a country or region that is part of the Trip that causes the U.S. Department of State to issue a Level 4 Travel Advisory and/or Travel Alert that You should not travel within that country or region for a period of time that would include the Trip. This does not include flight connections or other transportation arrangements to reach Your destination.

16. A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary and within thirty (30) days prior to Your Scheduled Departure Date. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach Your destination. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered.

17. You or Your Traveling Companion are a victim of a felonious assault.

18. Death or critical condition diagnosis of Your cat or dog that occurs within seven (7) days prior to Your Trip Scheduled Departure Date as certified by a Veterinarian at the time of Loss preventing Your participation in the Trip.

19. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury, or subpoenaed within ten (10) days of departure; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your Home within ten (10) days of departure.

20. You or Your Traveling Companion being directly involved in a traffic accident (substantiated by a police report provided by You to the Company) while en route to departure.

21. A closed roadway causing cessation of travel for You or Your Traveling Companion for at least six (6) consecutive hours to or from Your Trip destination (substantiated by the Department of Transportation, state police, etc.).

22. Bankruptcy or Default of a Travel Supplier causing a complete cessation of travel services, provided the Bankruptcy or Default occurs more than ten (10) days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This benefit only applies if Your Scheduled Departure Date is no more than fifteen (15) months beyond Your Effective Date.

23. Strike that causes complete cessation of services of the Common Carrier with whom You or Your Traveling Companion are scheduled to travel for at least forty-eight (48) consecutive hours.

The Company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, for the following:

(a) pre-paid, forfeited, non-refundable Payments or Deposits You paid for Your Trip.

If Your Travel Supplier cancels Your Trip, You are covered for the reissue fee charged by the airline for the tickets. You must have covered the entire cost of the Trip including the airfare.

In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.

SPECIAL CONDITIONS: You must advise the Company or its authorized representative within seventy-two (72) hours in the event of a claim. If the claim is not reported within seventy-two (72) hours, it should be reported as soon as possible. All other delays of reporting beyond seventy-two (72) hours will result in reduced benefit payments.

STATE MANDATED LANGUAGE

ALASKA AMENDATORY ENDORSEMENT
Under the Coverage entitled TRIP CANCELLATION, the paragraph entitled SPECIAL CONDITIONS is deleted in its entirety and replaced with the following:

SPECIAL CONDITIONS: You must advise the Company or its authorized representative as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had You notified the Company, its authorized representative and Your Travel Supplier as soon as reasonably possible.