TRIP INTERRUPTION

The Company will pay a benefit, up to the maximum shown on the Confirmation of Coverage, if You are unable to continue on 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 continued participation in the Trip;

(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 the Insured by the employer with whom the Insured is employed on their Effective Date which requires his/her 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 during Your scheduled Trip. 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 the 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 their Land/Sea Arrangements. The Insured’s Scheduled Departure Date must be no more than twelve (12) months beyond the Your 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 the Insured 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 the destination accommodations uninhabitable.

The Company will pay for the following:

a) unused, non-refundable land or sea expenses prepaid to the Participating Organization and/or Travel Suppliers;
b) the airfare paid less the value of applied credit from an unused return travel ticket, to return home or rejoin the original Land/Sea 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.

The Company will pay for reasonable additional accommodation and transportation expenses incurred by Insured (up to $100 a day) if a Traveling Companion must remain Hospitalized or if You must extend the Trip with additional hotel nights due to a Physician certifying that You cannot fly home due to an Accident or a Sickness but does not require Hospitalization.

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