Safe Travels Armor

Plan Definitions

• TRIP CANCELLATION

  The plan will reimburse you if you are prevented from taking your covered trip due to any of the unforeseen Events listed on your plan. The event must occur before you depart on your covered trip and while your coverage is in effect. Covered expenses include a. Forfeited, prepaid, non-refundable, and non-refunded published payments or deposits that you paid for Your unused trip. Should you elect to reschedule your trip instead of cancelling, in lieu of covering these expenses we will pay for change fees charged by your travel supplier.

• OPTIONAL CANCEL FOR ANY REASON - CFAR

  We will reimburse you for the percentage of the prepaid, forfeited, non-refundable Payments or Deposits you paid for your Trip shown on the Confirmation of Coverage If you cancel your Trip for any reason not otherwise covered by this Certificate. Must be purchased within 14 days of the trip deposit date, and the full, non-refundable trip cost is insured. Residents of MA & PA must purchase the plan at least 60 days prior to their Scheduled Departure Date. (Not available for residents of NY)

• TRIP INTERRUPTION

  If you or your traveling companion, booked to travel with you, are prevented from continuing or resuming your trip due to unforeseen circumstances such as sickness, injury, death, strike, bankruptcy, terrorist attack, called to military duty, subpoenaed for jury duty. Please see your state certificate for details.

• TRIP DELAY

  If you are delayed for 12 or more hours, while in route to or from your trip due to a defined unforeseen event such as delay of common carrier, traffic accident, weather, stolen passports or visas, quarantine, hijacking, unannounced strike, mandatory evacuation order due to a natural disaster, adverse weather or natural disaster resulting in the obstruction of public roadways or curtailment of public transportation. We will reimburse you, up to the plan maximum for covered additional expenses on a one-time basis.

• BAGGAGE DELAY 

  For the expense of replacing necessary personal effects if your checked baggage is delayed or misdirected by a Common Carrier for more than 12 hours while on your trip. Primary Coverage.

• BAGGAGE/PERSONAL EFFECTS 

  For the loss, theft or damage to baggage and personal effects while checked with a Common Carrier during your trip. Primary Coverage.

• FREQUENT TRAVEL LOYALTY

  If You used frequent traveler awards (frequent flyers miles or hotel rewards) for any part of a covered trip, for the fees incurred by you for re-depositing those awards in Your account if the covered trip is canceled due to any of the unforeseen events under trip cancellation and/or trip interruption coverage.

• MISSED CONNECTION 

  If you miss your cruise or tour departure, scheduled during your Trip, that results from cancellation or delay, for three (3) or more hours, of all regularly scheduled airline flights due to Inclement Weather. Coverage is secondary to any compensation provided by a Common Carrier.

• TRAVEL MEDICAL AND DENTAL EXPENSE-Primary

  For necessary covered expenses while on your covered trip and as a result of an accidental injury or emergency sickness that first manifests itself during the covered trip and the initial documented treatment is given by a physician during this trip.

• PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

  Exclusion is waived if coverage is purchased within 14 days of the initial
  trip deposit date, and the full, non-refundable trip cost is insured, and you are medically able to travel on the policy effective date.

• EMERGENCY EVACUATION & REPATRIATION OF REMAINS

  If You suffer an accidental injury or emergency sickness that warrants your emergency medical evacuation while you are on a covered trip. Covers medically necessary transportation, including reasonable and customary medical services and supplies incurred in connection with your emergency medical evacuation. Expenses for transportation must be: a. recommended by the attending physician; b. Required by the standard regulations of the conveyance transporting You; and c. Reviewed and pre-approved by our assistance company.

  If you die due to an accidental injury or covered sickness during the covered trip covers costs to return your body to your primary residence.

• OPTIONAL RENTAL CAR DAMAGE

  We will reimburse you for the cost of repairs and rental charges imposed by the rental company while the car is being repaired, the actual cash value of the car or the maximum benefit. You must be a licensed driver and listed on the rental agreement in order for coverage to apply.

• CANCELLATION FOR REFUND DURING FREE LOOK PERIOD 

  You may cancel this Policy for refund by giving Trawick International notice of cancellation during the free look period.

  FREE LOOK PERIOD~ is 14 days except in the following states: Arkansas 15 day Free Look, Texas 15 day Free Look, Virginia 15 day Free Look, Florida 21 day Free Look, Indiana 30 day Free Look, New York: After the14-day Free Look period has expired the insured may cancel their policy at any time with a pro-rata refund if the insured has not started their trip and a claim has not been filed or intended to be filed.