If You purchase this optional benefit, the following coverage is available to You. If You cancel Your Trip for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the pre-paid, forfeited, nonrefundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided: (a) Your premium is received within the Time Sensitive Period; and (b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure within twenty-one (21) days of the payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and (c) You cancel Your entire Trip two (2) days or more before Your Scheduled Departure Date.