Insurance

Schedule of Insurance Coverage and Other Non-Insurance Services

* Up to the lesser of the Trip Cost paid or the limit of coverage on your confirmation of coverage.
** For $0 Trip Cost, there is no Trip Cancellation, and only $500 return air ticket cost for Trip Interruption.
*** CFAR coverage is up to 75% of the prepaid, nonrefundable trip cost. CFAR is optional and available for purchase
at the individual level. Trip cancellation must be 48 hours or more prior to scheduled departure. CFAR is available if
purchased within 21 days of the date your initial deposit for your trip is received, and insure the full cost of any
subsequent arrangements added to your trip within 21 days of the date of your payment. For $0 Trip Cost there is no
CFAR. This benefit is not available to residents of New York State. This Cancel for Any Reason Benefit does not
cover penalties associated with any Travel Arrangements not provided by Retail Travel Supplier or the failure of Retail
Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.

Per Person Rates

Per Person Rates With Optional CFAR

 

Optional Travel Inconvenience:

$15.70 per person

These rates are for trips up to 30 days – for each day over 30 add $6.60 per person, per day.
All of the above rates are for the plan which includes insurance and non-insurance services.

General Limitations and Exclusions

Unless otherwise shown below, these exclusions apply to You, Your Traveling Companion, Family Member, or Service Animal scheduled and booked to travel with You.

The following exclusion applies to the Trip Cancellation and Trip Interruption:

We will not pay for any loss or expense caused due to, arising or resulting from a Pre-Existing Medical Condition, as defined in the plan.

The following exclusions apply to the Medical Expense benefits:

We will not pay for any loss or expense caused due to, arising or resulting from:

1. routine physical examinations or routine dental care;

2. traveling for the purpose or intent of securing medical treatment or advice;

3. Elective Treatment and Procedures;

4. Normal pregnancy (except Complications of Pregnancy) or childbirth, except as specifically covered under Trip Cancellation or Trip Interruption or elective abortion;

5. a Mental, Nervous or Psychological Condition or Disorder unless Hospitalized or Partially Hospitalized while the plan is in effect;

6. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator;

7. Your participation in an organized athletic or sporting competition, contest, or stunt under contract in exchange for an agreedupon salary or compensation. This does not include athletes participating in exchange for a scholarship or tuition.

In addition to any applicable benefit-specific exclusion, the following general exclusions apply to all losses and all benefits:

We will not pay for any loss or expense caused due to, arising or resulting from:

1. suicide, attempted suicide or any intentionally self-inflicted injury of You, a Traveling Companion, Family Member or Business Partner booked and scheduled to travel with You, while sane or insane;

2. being under the influence of drugs or narcotics, unless administered upon the advice of a Physician as prescribed;

3. activities, losses, or claims involving or resulting from possession, production, processing, sale, or use of marijuana, illegal drugs, alcohol or substances are excluded from coverage;

4. war or act of war, including invasion, acts of foreign enemies, hostilities between nations (whether declared or undeclared), or civil war, except as the policy specifically provides otherwise;

5. the commission of or attempt to commit a felony or being engaged in an illegal occupation by You, a Traveling Companion, Family Member, or Business Partner;

6. directly or indirectly, the actual, alleged or threatened use, discharge, dispersal, seepage, migration, escape, release or exposure to any hazardous biological, chemical, nuclear radioactive weapon, device, material, gas, matter or contamination;

7. piloting or learning to pilot or acting as a member of the crew of any aircraft;

8. a loss or damage caused by detention, confiscation or destruction by customs.

Pre-Existing Medical Condition Exclusion Waiver

The Pre-Existing Condition Exclusion will be waived if the protection plan is purchased within 21 days of the date your initial payments or deposits for your trip is received, and you are medically able and not disabled from travel at the time you pay for the plan, based on assessment of a physician.

This plan is not available to residents of MO, MT, NY, PA, or WA.

PLEASE REFER TO THE PLAN DOCUMENTS FOR A COMPLETE DESCRIPTION OF COVERAGE