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Worldwide Trip Protector Gold
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Worldwide Trip Protector
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Trip Protector Lite Expanded
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Trip Protector Lite
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Sickness
(you or family)
Sickness affecting you, your traveling companion (insured or uninsured), a member of either of your families (spouse, parent, child, domestic partner, or other family relation, insured or uninsured), or either of your business partners. | | | | |
Pre-existing Medical Condition*
(you or family)
If you purchase your policy no longer than 30 days (for Worldwide Trip Protector Gold), 21 days (for Worldwide Trip Protector), or 14 days (for Trip Protector Lite Expanded) after your initial trip deposit, you are eligible for Trip/Flight Cancellation or Trip Interruption coverage due to the recurrence of a pre-existing medical condition affecting you, your traveling companion (insured or uninsured), or a member of either of your families (spouse, parent, child, domestic partner, or other family relation, insured or uninsured). | | | | |
Injury
(you or family)
Injury affecting you, your traveling companion (insured or uninsured), a member of either of your families (spouse, parent, child, domestic partner, or other family relation, insured or uninsured), or either of your business partners. | | | | |
Death
(you or family)
Death of yourself, your traveling companion (insured or uninsured), a member of either of your families (spouse, parent, child, domestic partner, or other family relation, insured or uninsured), or either of your business partners | | | | |
Bankruptcy / Default Bankruptcy or default of your travel supplier that occurs more than 14 days after you purchase your policy. (If you purchase your policy no longer than 30 days (for Worldwide Trip Protector Gold), 21 days (for Worldwide Trip Protector), or 14 days (for Trip Protector Lite Expanded) after your initial trip deposit.) | | | | |
Weather
Weather causes complete stoppage of your common carrier (such as airline or train) for at least 24 consecutive hours. | | | | |
Traffic Accident en Route to
Airport
You or your traveling companion are directly involved in a traffic accident en route to departure. | | | | |
Natural Disaster at Destination Natural disaster makes your destination accommodations uninhabitable. | | | | |
Evacuation at Destination
Mandatory evacuation at your destination due to hurricane or other natural disaster. (To cancel, you must have 50% or less of your trip remaining when evacuation ends.) | | | | |
Host Death / Hospitalization
The death or hospitalization of your destination host. | | | | |
Strike
Strike causes complete stoppage of services (such as airlines) for at least 24 consecutive hours. | | | | |
Felonious Assault
You or your traveling companion are victim of a felonious assault no more than 10 days before departure. | | | | |
Terrorist Attack
Politically motivated terrorist attack within a city on your itinerary that occurs after your purchase date and no more than 30 days before your trip. | | | | |
Hijacking / Quarantine
You or your traveling companion is involved in a hijacking or quarantine. | | | | |
School Year Extension
School year is extended beyond normal session for you, your traveling companion, or your children. | | | | |
Home Uninhabitable
Your or your traveling companion’s home is made uninhabitable by fire, flood, or other natural disaster. | | | | |
Burglary
Your or your traveling companion’s home is burglarized no more than 10 days before departure. | | | | |
Military Duty for Natural
Disaster
(you or family)
You, your traveling companion (insured or uninsured), or a member of either of your families (spouse, parent, child, domestic partner, or other family relation, insured or uninsured) are called to military duty, have your leave revoked, or are reassigned due to natural disaster. | | | | |
Jury Duty
You or your traveling companion must appear in court to fulfill jury duty, a subpoena, or a witness requirement. | | | | |
Pregnancy
You or your traveling companion becomes pregnant after policy purchase date. | | | | |
Attending Childbirth
You will be attending a family member’s childbirth, if pregnancy occurred after your purchase date. | | | | |
50% of Trip Missed Due to Trip
Delay
You lose 50% or more of trip duration due to reasons covered under your Trip Delay benefit. | | | | |
Job Loss
You or your traveling companion is laid off or terminated after one year employment where layoff/termination occurs. | | | | |
Cancel for Work Reasons
Work-related reasons for you or your traveling companion such as requirement to work during planned vacation transfer to other city, merger/acquisition, or interruption of company operations due to disaster or bankruptcy. You can purchase the Cancel for Work Reasons option for Worldwide Trip Protector Gold up to 30 days after your initial trip deposit and for Worldwide Trip Protector and Trip Protector Lite up to 21 days. Job Loss is already a covered reason for Trip/Flight Cancellation or Trip Interruption without the purchase of the Cancel for Work Reasons option. | Option | Option | Option | Option |
Cancel for Any Reason
Cancel for any reason up to 48 hours prior to scheduled departure. The Cancel for Any Reason option covers 75% of non-refundable trip costs. You can purchase this option up to 30 or 21 days after your initial trip deposit for the Worldwide Trip Protector Gold and Worldwide Trip Protector plans respectively. | Option | Option | | |
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