"City" means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas, or airspace.
"Financial Default" means the total cessation of operations due to insolvency, with or without the filing of a bankruptcy petition by a tour operator, cruise line, or airline provided the Financial Default occurs more than 14 days following your effective date for the Trip Cancellation Benefits. There is no coverage for the Financial Default of any person, organization, agency or firm from whom you purchased travel arrangements supplied by others.
"Family Member" means the Insured's, or Traveling Companion's spouse, Domestic Partner, Child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-child, step-brother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, legal guardian, Caregiver, legal ward or Domestic Partner of any of the above.
"Sickness" means an illness or disease diagnosed or treated by a physician.
$750 Trip Interruption — Return Air Only: Reimburses the additional airline transportation expenses up to the Maximum Benefit shown on the Schedule of Benefits incurred by you to reach the return destination for Trip Interruptions due to one of the Unforeseen events listed above. However, the benefit payable above will not exceed the cost of economy airfare (or same class of your original tickets) by the most direct route, less any refunds paid or payable.
$750 Trip Delay: Reimburses up to $150 a day to the Maximum Benefit shown on the Schedule of Benefits for Reasonable, Additional Expenses for meals, accommodations, taxi fares, and essential phone calls, if your Trip is delayed for more than 5 hours due to covered reasons.
$250 Missed Connection: Reimburses this benefit up to the Maximum Benefit shown on the Schedule of Benefits if Inclement Weather or Common Carrier causes cancellation or a delay of regularly scheduled airline flights for three or more hours to your point of departure.
|Baggage Insurance Coverage:|
$1,000 Baggage & Personal Effects Loss: Can reimburse you if your Baggage is lost, stolen, or damaged while on your Trip, subject to the Maximum Benefit. This coverage is in excess of any other coverage or indemnity.
$300 Baggage Delay: If your Baggage is delayed more than 12 hours, you can be reimbursed for the purchase of Necessary Personal Effects, subject to the Maxi-mum Benefit.
|Medical Expense & Emergency Transportation Coverage:|
$25,000 Medical Expense: Pays this benefit, up to the Maximum Benefit shown on the Schedule of Benefits. Pays for necessary medical expenses incurred while on a Trip.
$500,000 Emergency Evacuation & Repatriation of Remains: Covers evacuation and transportation as directed by a Physician to the nearest adequate medical facility (home in the event of death or if medically required). Pays for special medical escort if recommended in writing by the attending Physician.
$10,000 Accidental Death & Dismemberment: Pays for loss of life or limb if it occurs within 365 days of an accident during your Trip.
Amount Purchased (up to $500,000) Flight Guard®: Coverage for accidental death or dismemberment that occur when traveling on a regularly scheduled flight or charter, subject to the Maximum shown in the Schedule.
Car Rental Collision Coverage: $35,000 in primary coverage, subject to a $250 deductible. Covers collision damage to a rental car for which the car rental contract would hold you responsible.
Medical Coverage Upgrade: Valuable addition to increase your coverage limit. Your Medical and Emergency Evacuation Benefits will double. Emergency Evacuation to the adequate licensed medical facility of the Insured's choice. Available globally, anytime you are more than 100 miles from home.
Cancel for Any Reason: Provides reimbursement of 50% of nonrefundable expenses if you decide to cancel for any reason up to 48 hours prior to departure.
PRE-EXISTING MEDICAL CONDITIONS EXCLUSION:
The Insurer will not pay for any Loss or expense incurred as the result of an injury, Sickness, or other condition of you, a Traveling Companion, Business Partner, or Family Member which, within the 180-day period immediately preceding and including your coverage effective date: first manifested itself or had symptoms which would have prompted a reasonable person to seek diagnosis, care, or treat-ment; or, for which care or treatment was given or recommended by a physician; or required the taking of prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the prescription drugs or medicines.
The Insurer will waive this exclusion if you meet the following conditions:
- You purchase the plan within 15 days of making your initial trip payment;
- The amount of Trip Cancellation coverage purchased must equal the full cost of all pre-paid non-refundable Trip arrangements. The cost of any subsequent arrangement(s) added to the same Trip must be insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s). Failure to do so may affect the pre-existing medical condition waiver;
- You must be medically able to travel when you pay your plan cost.
- Applies to the first $30,000 of Trip cost per person.
This is a brief description of the insurance benefits provided under policy series T30337NUFIC-TG. Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania Insurance Company, NAIC #19445 with its principal place of business at 70 Pine Street, New York, NY, 10270 and currently authorized to transact business in all states and the District of Columbia. The Policy will contain reductions, limitations, exclusions, and termination provisions. All coverages may not be available in all states.
Any payments under the policy will only be made in full compliance with all United States of America economic or trade sanction laws or regulations, including, but not limited to, sanctions, laws and regulations administered and enforced by the U.S. Treasury Department's Office of Foreign Assets Control ("OFAC"). Therefore, any expenses incurred or claims made involving travel that is in violation of such sanctions, laws and regulations will not be covered under the policy. For more information, you may consult the OFAC internet website at www.treas.gov/offices/enforcement/ofac/ or a Travel Guard representative.