Travel Insurance
Details of Coverage

Pre-Existing Medical Conditions Exclusion waived if insurance is purchased within 7 days of initial trip payment.

Maximum Trip Cancellation and Interruption
Trip Cancellation and interruption pays for forfeited, non-refundable, unused payments or deposits if due to:
• Unforeseen sickness, injury or death of the Insured, a Traveling Companion, Immediate Family Member or Business Partner.
• Inclement weather conditions causing delay or cancellation of travel.
• The Insured’s principal residence being made uninhabitable by fire, flood, vandalism, burglary, or natural disaster.
• The Insured(s) being subpoenaed, required to serve on jury duty, hijacked, or quarantined.
• Being involved in or delayed due to a traffic accident en route to departure.

Reasons not covered:
• Carrier caused delays, such as mechanical difficulties (covered under Travel Delay).
• Travel arrangements cancelled by the tour operator, airline, or cruise line.
• Change in plans ("I just don't want to go").
• Normal pregnancy or childbirth.
• Financial circumstances ("I can't afford to go").
• Business or contractual obligations ("My boss changed my vacation").
• Default by the airline, tour operator, or supplier of travel-related services or lodging.
• Any government regulation or prohibition, war, civil disorder, nuclear reaction or contamination.
• Intentionally self-inflicted injury, suicide, or attempted suicide while sane or insane.
• Participation in professional athletic events, motor sport or motor racing including training or practice for the same.
• Mountain climbing.
• Military duty or service.
• Operating or learning to operate any aircraft, as student, pilot or crew.
• Any unlawful acts, committed by the Insured, a Traveling Companion or immediate Family Member, whether insured or not.
• Civil disorder or riot.
• Mental, psychological or nervous disorders including, but not limited to, anxiety, depression, neurosis or psychosis.
• If the Insured’s tickets do not contain specific travel dates (open tickets).
• Alcohol or substance abuse.

$200 TRAVEL DELAY
Reimburses up to $100 a day for additional accommodations and traveling expenses if due to:
• Carrier delay such as mechanical difficulties.
• Lost passport, money, or travel documents.
• Natural disasters.
• Injury or sickness of insured or Traveling Companion.

$800 BAGGAGE AND PERSONAL EFFECTS
• Reimburses for loss, theft, damage, and mysterious disappearance of baggage and personal effects.
• Primary coverage - no need to present a claim to another carrier such as Homeowner's.
• Covers loss due to unauthorized use of credit cards if Insured has complied with credit card conditions.
• Coverage for cameras, musical instruments, breakage of brittle or fragile articles, golf and scuba equipment.

$200 BAGGAGE DELAY
• Reimburses for the purchase of essential items if your baggage is delayed or misdirected for more than 24 hours.

$5,000 MEDICAL EXPENSE
• No daily limits or deductibles.
• Pays for physician, hospital, ambulance services, and prosthetic devices. Initial treatment must be received during the trip and the insurer will pay for covered expenses for up to one year from date of injury/sickness.
• Pays for emergency dental expenses during the trip.

$15,000 EMERGENCY ASSISTANCE
• Evacuation to nearest adequate medical facility.
• Up to $5,000 for medical escort.
• Transportation of remains upon death.

TRAVEL GUARD ASSISTANCE
This is a service benefit
• Advancement of funds to cover on-site medical expenses.
• Telephone interpretation services in major languages.
• Replacement of lost passport and other incidentals as may be required.
• Assistance to locate local physicians, dentists, or medical facilities.
• Professionals will monitor your condition and contact your personal physician.
• Evacuation to a hospital, treatment facility or back home.
• 24-hour emergency hotline.Termination Date: All coverage ends on the earlier of (a) the date the trip is completed; (b) the scheduled Trip Completion Date; (c) the Insured's arrival at the Return Destination on a round trip, or the destination on a one-way trip; (d) cancellation of the trip covered by the policy. The effective Date is the date the premium is paid.