The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You: 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 continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date. 2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions so disabling as to prevent that person’s continued participation on the Trip. 3. Sickness, Accidental Injury or death of a non-traveling Family Member. 4. The death or Hospitalization of Your Host at Destination during Your trip. 5. After five (5) years of continuous employment at the same company, You are terminated or laid-off during Your Trip, from full time employment by that company through no fault of Your own. 6. Your or Your Traveling Companion’s transfer of employment of two hundred fifty (250) miles or more that occurs during Your Trip. You or Your Traveling Companion must have been employed with the transferring employer on Your Effective Date. The transfer must require Your or Your Traveling Companion’s Home to be relocated. 7. You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war). 8. Weather that causes complete cessation of services for at least forty-eight (48) consecutive hours of the Common Carrier on which 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 coverage. 9. Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable. 10. A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary during Your Trip. 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. This benefit only applies if the Policy has been purchased within the Time Sensitive Period and for the full cost of the Trip. 11. You or Your Traveling Companion are a victim of a felonious assault. 12. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip. 13. You or Your Traveling Companion being directly involved in a traffic Accident while en route to departure (substantiated by a police report provided by You to the Company). 14. Bankruptcy or Default of an airline, cruise line, Travel Supplier (other than an organization or firm from whom You purchased Travel Arrangements supplied by others) causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. 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 twelve (12) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period and You have insured the full cost of Your Trip. 15. Strike that causes complete cessation of services of the Common Carrier with whom You 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 unused, non-refundable land or sea expenses paid to the Travel Suppliers; (b) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets; In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You: 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 continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date. 2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions so disabling as to prevent that person’s continued participation on the Trip. 3. Sickness, Accidental Injury or death of a non-traveling Family Member. 4. The death or Hospitalization of Your Host at Destination during Your trip. 5. After five (5) years of continuous employment at the same company, You are terminated or laid-off during Your Trip, from full time employment by that company through no fault of Your own. 6. Your or Your Traveling Companion’s transfer of employment of two hundred fifty (250) miles or more that occurs during Your Trip. You or Your Traveling Companion must have been employed with the transferring employer on Your Effective Date. The transfer must require Your or Your Traveling Companion’s Home to be relocated. 7. You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war). 8. Weather that causes complete cessation of services for at least forty-eight (48) consecutive hours of the Common Carrier on which 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 coverage. 9. Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable. 10. A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary during Your Trip. 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. This benefit only applies if the Policy has been purchased within the Time Sensitive Period and for the full cost of the Trip. 11. You or Your Traveling Companion are a victim of a felonious assault. 12. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip. 13. You or Your Traveling Companion being directly involved in a traffic Accident while en route to departure (substantiated by a police report provided by You to the Company). 14. Bankruptcy or Default of an airline, cruise line, Travel Supplier (other than an organization or firm from whom You purchased Travel Arrangements supplied by others) causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. 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 twelve (12) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period and You have insured the full cost of Your Trip. 15. Strike that causes complete cessation of services of the Common Carrier with whom You 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 unused, non-refundable land or sea expenses paid to the Travel Suppliers; (b) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets; In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.

The Company will reimburse You, up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You interrupt Your Trip after Your departure or if You join Your Trip after Your Scheduled Departure Date due to any of the following Unforeseen reasons that occur while this coverage is in effect for You: 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 continued participation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date. 2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You that a.) occurs while You are on Your Trip; b.) requires Necessary Treatment at the time of interruption; and c.) as certified by a Physician, results in medically imposed restrictions so disabling as to prevent that person’s continued participation on the Trip. 3. Sickness, Accidental Injury or death of a non-traveling Family Member. 4. The death or Hospitalization of Your Host at Destination during Your trip. 5. After five (5) years of continuous employment at the same company, You are terminated or laid-off during Your Trip, from full time employment by that company through no fault of Your own. 6. Your or Your Traveling Companion’s transfer of employment of two hundred fifty (250) miles or more that occurs during Your Trip. You or Your Traveling Companion must have been employed with the transferring employer on Your Effective Date. The transfer must require Your or Your Traveling Companion’s Home to be relocated. 7. You, Your Traveling Companion or Family Member, who are military personnel, and are called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war). 8. Weather that causes complete cessation of services for at least forty-eight (48) consecutive hours of the Common Carrier on which 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 coverage. 9. Natural Disaster at the site of Your destination that renders Your destination accommodations Uninhabitable. 10. A Terrorist Incident that occurs in Your departure city or in a city listed on Your Trip itinerary during Your Trip. 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. This benefit only applies if the Policy has been purchased within the Time Sensitive Period and for the full cost of the Trip. 11. You or Your Traveling Companion are a victim of a felonious assault. 12. You or Your Traveling Companion being hijacked, Quarantined, required to serve on a jury or subpoenaed during the Trip; having Your Home made Uninhabitable by Natural Disaster; or burglary of Your principal place of residence during the Trip. 13. You or Your Traveling Companion being directly involved in a traffic Accident while en route to departure (substantiated by a police report provided by You to the Company). 14. Bankruptcy or Default of an airline, cruise line, Travel Supplier (other than an organization or firm from whom You purchased Travel Arrangements supplied by others) causing a complete cessation of travel services provided the Bankruptcy or Default occurs during Your Trip. 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 twelve (12) months beyond Your Effective Date and Your payment for this Policy is received within the Time Sensitive Period and You have insured the full cost of Your Trip. 15. Strike that causes complete cessation of services of the Common Carrier with whom You 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 unused, non-refundable land or sea expenses paid to the Travel Suppliers; (b) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Travel Arrangements limited to the cost of one-way economy airfare or similar quality as originally issued ticket by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets; In no event shall the amount reimbursed exceed the amount You pre-paid for the Trip.