If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons: 1. Your, a Family Member’s, a Traveling Companion’s, a Service Animal’s, a Pet’s, or a Traveling Companion’s Family Member’s death that occurs before departure on Your Trip; or 2. Your, a Family Member’s, a Traveling Companion’s, a Service Animal’s, a Pet’s, or a Traveling Companion’s Family Member’s Sickness or Injury, that: a. occurs before departure on Your Trip; b. is examined and treated by a Physician or Veterinarian prior to cancellation; and c. as certified by a Physician, results in medical restrictions so disabling as to cause You to cancel Your Trip. 3. You or Your Traveling Companion must cancel Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect.(see the Description of Coverage for a full description of Other Covered Events). The maximum payable under this Trip Cancellation Benefit is the lesser of the total amount of coverage You purchased or the Maximum Benefit Amount shown in the Schedule of Benefits. You must report all cancellations to the Travel Supplier within 72 hours of the event causing the need to cancel. If the event delays the reporting of the cancellation beyond the 72 hours, You should report the event as soon as possible. We do not cover increased amounts of unused, non-refundable prepaid Payments or Deposits that result from all other delays or reporting beyond 72 hours. These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

If You cancel Your Trip prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons: 1. Your, a Family Member’s, a Traveling Companion’s, a Service Animal’s, a Pet’s, or a Traveling Companion’s Family Member’s death that occurs before departure on Your Trip; or 2. Your, a Family Member’s, a Traveling Companion’s, a Service Animal’s, a Pet’s, or a Traveling Companion’s Family Member’s Sickness or Injury, that: a. occurs before departure on Your Trip; b. is examined and treated by a Physician or Veterinarian prior to cancellation; and c. as certified by a Physician, results in medical restrictions so disabling as to cause You to cancel Your Trip. 3. You or Your Traveling Companion must cancel Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect.(see the Description of Coverage for a full description of Other Covered Events). The maximum payable under this Trip Cancellation Benefit is the lesser of the total amount of coverage You purchased or the Maximum Benefit Amount shown in the Schedule of Benefits. You must report all cancellations to the Travel Supplier within 72 hours of the event causing the need to cancel. If the event delays the reporting of the cancellation beyond the 72 hours, You should report the event as soon as possible. We do not cover increased amounts of unused, non-refundable prepaid Payments or Deposits that result from all other delays or reporting beyond 72 hours. These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.