Safe Travels Journey

Plan Definitions

• Trip Cancellation & Interruption

  Provides reimbursement of insured, non-refundable, pre-paid trip costs if a trip is cancelled or interrupted for a covered reason*.

  * Refer to the Certificate of Insurance for a list of covered reasons.

• Cancel for Any Reason - Optional

  If You purchase this optional benefit, the following coverage is available to You. If You cancel Your Trip for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the pre-paid, forfeited, non-refundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided: (a) Your premium is received within the Time Sensitive Period and prior to Final Payment; and (b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure within twenty-one (21) days of the payment for those arrangements, the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and (c) You cancel Your entire Trip two (2) days or more before Your Scheduled Departure Date.

• Trip Delay

  Coverage if You are delayed, while coverage is in effect, en route to or from the Trip for six (6) or more hours due to a covered reason* Covered Trip Delay Expenses include: (a) Any pre-paid, unused, non-refundable land and water accommodations; (b) Any Reasonable Expenses incurred; (c) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip; (d) A one-way Economy Fare to return You to Your originally scheduled return destination trip is delayed for a covered reason*.

• Missed Connection

  Coverage if you miss your Cruise or tour departure, scheduled during your trip, that results from the cancellation or a delay for between three (3) and six (6) hours of all regularly scheduled airline flights due a Documented weather condition preventing You from getting to the point of departure for your trip. Benefits are provided for additional transportation expenses to join your departed cruise or tour; Reasonable expenses up to the per day limit; pre-paid nonrefundable payments or deposits for the unused portion of your cruise. Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departures but cancel their cruise or tour due to inclement weather.

• Baggage Coverage

  Provides reimbursement for lost and stolen personal items, as well as costs incurred due to baggage delay.

• Car Rental Damage Coverage - Optional

  Provides reimbursement for the cost of repairs, rental charges and/or actual cash value of the car rented by the insured while on the trip, and the car is damaged due to covered reasons* not within your control while in your possession.

• Emergency Medical Coverage

  Provides reimbursement for emergency medical treatment if sickness or injury occurs while traveling.

• Pre-existing Medical Condition Waiver

  Exclusion is waived if coverage is purchased within 21 days of initial trip deposit date, before the final trip payment, and the full, non-refundable trip cost is insured, and you are medically able to travel on the policy effective date.

• CANCELLATION FOR REFUND DURING FREE LOOK PERIOD

  You may cancel this plan for refund by giving notice of cancellation to us, during the free look period. Most states have a 10 day free look period beginning the date the policy was purchased, but the State Certificate ultimately determines the timeframe of the free look period, if any.