The Insurer will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition of an Insured, Traveling Companion, Business Partner or Family Member booked to travel with you which, within the 180 day period immediately preceding the Insured's coverage effective date:

• Received or received a recommendation for a diagnostic test, examination or medical treatment
• Took or received prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change

Even the best-planned travel can be impacted by unforeseen sickness, or medical emergency, delayed flights, passport theft or baggage delays. Troubles can occur when you least anticipate them forcing you to cancel or interrupt your trip, lose your ticket investment, and incur unplanned expenses. By purchasing a travel protection plan, you are protecting your trip investment against the unknown and will find the peace of mind your trip deserves.

You can cancel or interrupt your trip for covered reasons only. Examples of covered reasons for trip cancellation/interruption include illness, injury or death of you, a family member or traveling companion; supplier cancellations due to a strike; traffic accident en route to departure; a documented theft of passports or visas; a Terrorist Act; and your home made uninhabitable by fire, flood, hurricane or natural disaster. See Description of Coverage for more information. The Description of Coverage will outline all named reasons for trip cancellation and interruption. A claim should not be filed in the event the trip is cancelled or changed outside of the named reasons.

First, notify the airline that you are canceling. Then, if cancelling for a covered reason, call the travel protection claims department to request a claim form. To report your claim or to check the status of your claim, the Claims Administrator at 1-855-876-3447 use Plan Code - 201A 0112, Base Plan / 201B 0112 Base Plan Upgrade / 201C 0112 Rental Car Plan.

The Insurer will reimburse up to $100 per day for reasonable additional expenses such as hotel accommodations, meals, telephone calls, and local transportation until travel becomes possible in case the trip is delayed 12 or more consecutive hours from the original departure time as a result of a delay of a regularly scheduled airline flight for one of the Unforeseen events listed below:

• any Common Carrier delay
• lost or theft of your passport(s)
• travel documents, or money due to a reason not within your control;
• quarantine or natural disaster

If your baggage is delayed for more than 24 hours upon your arrival at your vacation destination, this plan will provide coverage for the purchase of emergency essential items up to $100. If the Optional Upgrade is purchased, the insurer will reimburse for the lost or stolen baggage items up to $250 - subject to a $50 deductible.

The value associated with Frequent Flyer Miles are not reimbursable under the plan if you must cancel or interrupt your trip. If you cancel your trip for a covered reason, you will only be reimbursed the money actually paid for the trip.

Yes, the insurance plan includes coverage for a Terrorist Act occurring in your departure city or a city in your scheduled destination within 30 days of scheduled arrival. Please refer to the Description of Coverage for more details.

If you are not satisfied for any reason, you may return your Description of Coverage within 10 days. Your plan payment will be refunded, provided you haven’t already left on your Covered Trip and/or provided there has been no covered expense.

Eligible reimbursements are for travel arrangements booked through this website and do not include arrangements made outside or independently of this website.