Trip Cancellation

Trip cancellation coverage can reimburse you up to the covered limit for prepaid, non-refundable travel related costs. What kind of prepaid costs? Basically, any prepaid travel related costs that wouldn't be refunded if you canceled your trip before your scheduled departure date. Some common prepaid, non-refundable costs might include:

• 1. Deposits for hotels, cruises, or tours.

• 2. Pre-arranged expenses like theme park tickets or other attraction fees.

• 3. Rent for vacation homes or similar properties.

Covered events

Trip cancellation benefits will kick in if you cancel your trip before your scheduled departure date and if you cancel due to a covered event as explained in the policy. Some of the events may include (this is not an exhaustive list):

• 1. Sickness, injury, or death of a family member which prevents the trip from starting.

• 2. Natural disasters like hurricanes or vandalism and burglaries which makes the destination uninhabitable.

• 3. You or a traveling companion is laid off or terminated.

• 4. Your passport is lost or stolen within 30 days of trip departure and you need the passport to reach your destination.

Trip Interruption

This coverage is similar to trip cancellation since the same events are possibly covered. The difference is this benefit kicks in after your departure date and during your trip. Unused portions of non-refundable pre-paid costs and additional transportation costs may be reimbursed.

Trip Delay

Traffic jams, airport delays, inclement weather, and more can prevent you from starting a trip on time. These delays could prevent you from reaching your destination and you might end up paying extra charges due to a delay. This coverage can pay for these incurred expenses up to a certain limit.

Baggage and Personal Effects

Some policies offer coverage from loss, theft or damage to baggage, personal effects, passports, travel documents, credit cards, and visas during a trip. A typical limitation for this type of coverage includes a reimbursement maximum for the first item and then an aggregate amount for all remaining items covered in a loss.

Car Rental Collision Coverage

If your rental vehicle is damaged while on a trip due to collision, vandalism, theft, windstorm, fire, hail or flood, while in your possession, this coverage could pay for repairs and rental charges or in some cases the actual cash value of the vehicle.

Pet Medical Expense

If your cat or dog who is traveling with you suffers an injury or sickness that requires treatment by a veterinarian, this coverage could pay for the costs up to a certain limit.

Accident and Sickness Medical Expense

If you or a traveling companion suffers an injury or sickness that requires treatment by a physician, some or all of the medical expenses could be covered with this benefit. Here are some common covered expenses you might see on your policy:

• 1. Services of a physician or registered nurse (R.N.).

• 2. Hospital charges.

• 3. Hospital ancillary services (including, but not limited to, use of the operating room or emergency room).

• 4. Use of an Ambulatory Medical Center.

• 5. X-rays.

• 6. Artificial limbs, artificial eyes, artificial teeth, or other prosthetic devices.

• 7. Rental of durable medical equipment (such as a wheelchair or a hospital bed).

• 8. Anesthetics (including administration), treatments, transfusions and laboratory tests ordered by the attending physician.

• 9. Medicines or drugs administered by a physician or that can be obtained only with a Physician’s written prescription.

• 10. The cost of emergency dental treatment only during a trip limited to the maximum limit shown in the schedule of benefits.

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