Plan Details

The plan can reimburse you if cancellation occurs before your scheduled departure because of unforeseen circumstances covered by the plan, such as Injury, Sickness, death, Strike, weather, employment termination or a Terrorist Act.

The plan can reimburse you when your Trip is interrupted after departure because of unforeseen circumstances covered by the plan. Coverage includes reimbursement for additional transportation expenses to join or rejoin the Trip or to return home.

The plan can reimburse you up to a maximum of $1,500 for additional transportation costs and reasonable accommodations to catch up to your cruise or tour if you miss your group departure as a result of the cancellation or delay of your flight for 3 hours or more due to adverse weather, traffic accident or common carrier mechanical failure.

If your Trip is delayed 6 hours or more due to a covered reason, you can be reimbursed up to the plan maximum for reasonable additional expenses. Covered reasons include quarantine, civil disorder, carrier-caused delays, lost or stolen passport/travel documents and weather.

The plan can reimburse up to the Baggage Coverage maximum for lost, damaged, or stolen baggage, passports, or visas while on your Trip.

Travel Protection Plan We will reimburse you, up to the amount shown in the Schedule, for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 24 hours or more during your Trip. We will reimburse you up to the amount shown in the Schedule for expenses incurred during your Trip to locate/track your delayed Baggage, and to retrieve your delayed Baggage or to have your delayed Baggage delivered to you. This coverage terminates when your Baggage is retrieved or returned to you, or upon your arrival at the return destination of your Trip, whichever occurs first.

In the unlikely event you are injured in an accident on the Trip that results in your death or dismemberment, the plan will pay up to the maximum limit on the Schedule of Benefits.

The plan can reimburse up to the maximum limit of coverage for reasonable and customary medical and surgical services of a Physician, nurse and/or Hospital as a result of an Injury or Sickness first occurring on your Trip. Covered expenditures include related medication expenses and emergency dental treatment while on the Trip. ($50 deductible applies for the Medical & Dental for residents of CT, IN, KS, MO, MT, VT, and WA.)

Can reimburse for emergency medical evacuation, return air fare for your dependent children, round trip air fare for someone from home to visit while you recover (if you are traveling alone and are hospitalized for more than 3 days), and the cost of returning remains home (in the event of death). All evacuations require advance authorization by our service provider, Zurich Travel Assist.
For the FULL list of covered expenses and complete information, see the Policy.

In the event you used frequent flyer miles to arrange air transportation for this Trip, and you cancel due to a Covered Event, we will reimburse you for the cost to reinstate your miles to your account, up to the limit.

We will reimburse the Insured a Reissue Fee Benefit for the reissue fee charged by the airline for the tickets, up to the limit. Any expense under this Reissue Fee Benefit must be incurred within 180 days of the date of cancellation.

The Trip Cancellation benefit covers a number of reasons—most commonly your or a family member's illness. But what if something other than the covered reasons happens, like:
-   You simply change your mind
-   An unexpected event for your child or grandchild
-   A work-related obligation
-   Weather concerns (example: not enough snow for the ski trip)
-   Fear of traveling to an area
-   A personal family issue
-   A pet’s illness
-   Etc.
The Cancel for Any Reason benefit will reimburse up to 75% of your trip costs not covered under the regular Plan benefits. To qualify, coverage must be purchased within 21 days of initial trip deposit (For residents of NY, a Cancel for Any Fortuitous Reason benefit is available as an optional upgrade and must be purchased within 30 days from your initial deposit and individuals must insure 90% of their travel arrangements.); you must insure 100% of trip costs that are subject to cancellation penalties; and the trip must be cancelled at least 2 days prior to the scheduled departure.

The optional Cancel for Any Reason (CFAR) benefit covers you when you cancel for any reason not covered by the Trip Cancellation benefit.

For complete information, see the Policy.