Trip Cancellation and Interruption pays for forfeited, non-refundable, unused payments or deposits if due to:
- Unforeseen sickness, injury, or death of the Insured, a Traveling Companion, Immediate Family Member, or Business Partner. (Certain exclusions apply.)
- Inclement weather conditions causing delay or cancellation of travel.
- The Insured’s principal residence being made uninhabitable by fire, flood or similar natural disaster, vandalism, or burglary.
- The Insured(s) being subpoenaed, required to serve on jury duty, hijacked, or quarantined.
- Being involved in or delayed due to an automobile accident en route to departure.
- A terrorist incident in a City listed on your itinerary within 30 days of the Insured’s scheduled arrival. “City” means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas, or airspace;
- Strike, resulting in the complete cessation of travel services at the point of departure and/or destination;
- Primary Coverage.

Reasons not covered:
- Carrier-caused delays such as mechanical difficulties (covered under Travel Delay).
- Travel arrangements cancelled by the tour operator, airline, or cruise line.
- Change in plans (“I just don’t want to go.”).
- Normal pregnancy or childbirth.
- Financial circumstances (“I can’t afford to go.”).
- Business or contractual obligations (“My boss changed my vacation.”).
- Any government regulation or prohibition, war, civil disorder.

Reimburses up to $100 a day for reasonable additional expenses if delayed for 12 hours or more due to:
- Carrier delay such as mechanical difficulties.
- Lost passport, money, or travel documents.
- Natural disaster.
- Injury or sickness of the Insured or Traveling Companion.

The Insurer will reimburse this benefit up to the Maximum Limit shown on the Schedule of Benefits if Inclement Weather or Carrier causes cancellation or a delay of all regularly scheduled airline flights for three to less than twelve hours to your point of departure. You can collect up to $250 for additional transportation costs to join the Trip (must be same class of original tickets purchased). Reasonable accommodations and meals (up to $150 per day), and/or the non-refundable, unused portion of the prepaid expenses as long as the expense is supported by a proof of purchase and is not reimbursable by another source. Common Carrier must certify the delay of the regularly scheduled airline flight.

- Reimburses for loss, theft, damage, and mysterious disappearance of baggage and personal effects.
- Primary coverage — no need to present a claim to another carrier such as Homeowner’s.
- Covers loss due to unauthorized use of credit cards if the Insured has complied with credit card conditions.
- Pays for administrative fees to reissue lost or stolen tickets.

Reimburses for the purchase of essential items if baggage is delayed or misdirected for more than 24 hours.

- No daily limits or deductibles.
- Pays for physician, hospital, ambulance services, and prosthetic devices. Initial treatment must be received during trip. We will pay for covered expenses for up to one year from date of injury/sickness.
- Pays for emergency dental expenses during the trip.

- Evacuation to nearest adequate medical facility.
- Up to $5,000 for medical escort.
- Transportation of remains upon death.

Covers death and loss of limb or eyesight within 180 days of an accident.

- Advancement of funds to cover on-site medical expenses.
- Telephone interpretation services in major languages.
- Replacement of lost passport and other incidentals as may be required.
- Assistance to locate local physicians, dentists, or medical facilities.
- Professionals will monitor the Insured’s condition and contact their personal physician.
- Evacuation to a hospital, treatment facility, or back home.
- 24-hour emergency hotline.

LiveTravel – 24-hour hotline to make emergency travel changes once travel has commenced, such as rebooking flights, hotel reservations, tracking lost luggage and more! Call 1.800.826.8597 for assistance.
Live Messaging – relay of e-mail or phone message to family, friends, or business associates.
Pre-trip Travel Advice – around-the-clock access to passport, visa, inoculation, and vaccine requirements; travel advisories; embassy and consulate contacts; travel health advisories; weather and currency information – all for your planned destination.
Emergency Cash Transfer – assistance in coordinating an emergency cash advanc

The Insurer will not pay for loss or expense incurred as the result of an Injury, Sickness or other condition of the Insured, a Traveling Companion, or an Immediate Family Member of the Insured or Traveling Companion which, within the 60 day period before the Insured's coverage began: (a) first manifested itself, worsened, became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; (b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or (c) required treatment by a Physician or treatment had been
recommended by a Physician.

The policy covers trips up to 180 days in length. Effective Date: Trip Cancellation benefit will be effective at 12:01 a.m. on the day after the plan cost is paid to the travel agent. All other coverage will take effect on the date the insured leaves for their trip. Termination Date: All coverage ends on the earlier of: (a) the date the trip is completed;(b) the scheduled trip completion date; (c) the Insured’s arrival at the return destination on a round trip, or the destination on a one-way trip; or (d) cancellation of the trip covered by the policy.

You must be medically able to travel when you pay your plan cost. In the event that a claim is filed, the injury or illness must be substantiated to the Travel Guard (AIG Insurance) Claims Department.

CLICK HERE to see a full coverage description.