TRIP CANCELLATION

The Company will pay a benefit, up to the maximum shown on the Confirmation of Coverage, if You are prevented from taking Your Covered Trip due to:

(a) Sickness, Accidental Injury or death of You, a Traveling Companion or Family Member; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing your participation in the Trip. A Physician must advise cancellation of the Trip on or before the Scheduled Departure Date;

(b) You or a Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of felonious assault within ten (10) days of departure; or having his/her principal place of residence made uninhabitable by fire, flood or other natural disaster; or burglary of his/her principal place of residence within ten (10) days of departure;

(c) You or a Traveling Companion being directly involved in a traffic accident substantiated by a police report, while en route to departure;

(d) A transfer of You by the employer with whom You are employed on the Effective Date that requires Your principal residence to be relocated;

(e) The death or Hospitalization of Your Host at Destination;

(f) A Terrorist Incident that occurs in a city listed on Your Trip itinerary and within thirty (30) days prior to your Scheduled Departure Date. Benefits are not provided if the Travel Supplier offers a substitute itinerary. Your Scheduled Departure Date must be no more than twelve (12) months beyond Your Effective Date;

(g) The Insured's Traveling Companion or Family Member, who are military personnel, and are called to emergency duty for a natural disaster other than war;

(h) Strike that causes complete cessation of services for at least twenty-four (24) consecutive hours;

(i) Weather that causes complete cessation of services of the Common Carrier for at least twenty-four (24) consecutive hours;

(j) Bankruptcy and/or Default of Your Travel Supplier which occurs more than ten (10) days following Your Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom the Insured purchased the Land/Sea Arrangements. The Insured’s Scheduled Departure Date must be no more than twelve (12) months beyond the Insured’s Effective Date. 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 the policy has been purchased within twenty-one (21) days of Your initial payment for the Covered Trip and the full cost of the Covered Trip;

(k) An Insured is terminated, or laid off from employment subject to three (3) years of continuous employment at the place of employment where terminated;

(l) Natural disaster at the site of Your destination that renders their destination accommodations uninhabitable.

The Company will reimburse the Insured for the following:

 a) non-refundable cancellation charges imposed by the Participating Organization and/or Travel Suppliers;
b) airfare cancellation charges for flights commencing within one day of the Land/Sea Arrangements;
c) if the Travel Supplier cancels the Your Covered Trip, the You are covered up to $100.00 for the reissue fee charged by the airline for the tickets. The Insured must have covered the entire cost of the Covered Trip including the airfare;
d) the amount of prepaid, forfeited, non-refundable Payments or Deposits that the Insured paid for his/her Covered Trip.

In no event shall the amount reimbursed exceed the amount the Insured prepaid for the Covered Trip.

SPECIAL CONDITIONS: You must advise the Participating Organization and the Company as soon as possible in the event of a claim. The Company will not pay benefits for any additional charges incurred that would not have been charged had the Insured notified the Participating Organization as soon as reasonable possible.

SINGLE OCCUPANCY COVERAGE
The Company will reimburse You, up to the maximum shown on the Confirmation of Coverage, for the additional cost incurred during the Covered Trip as a result of a change in the per person occupancy rate for prepaid Travel Arrangements if a person booked to share accommodations with You has his/her Trip delayed, canceled, or interrupted for a covered reason and You do not cancel.