$500–$10,000 Trip Cancellation and Curtailment Benefit (See Exclusions)
This coverage is available only if purchased at least 10 days before the Departure Date.
The Company will pay up to the benefit limit selected on the Application, for the loss of unrecoverable deposits or charges paid in advance, due to the necessary cancellation of the entire trip prior to the scheduled departure; provided that the covered injury, sickness or death giving rise to the cancellation begins within the Period of Insurance.
The Company will pay up to the benefit limit selected on the Application for either: (a) any additional reasonable transportation and/or lodging expenses for the emergency return trip home; or (b) the balance of unrecoverable trip costs; whichever is lesser, provided that the covered injury, sickness or death giving rise to the curtailment occurs after your trip commenced and prior to the termination of the coverage as specified on the Application.
The Trip Cancellation and Curtailment Benefit may also be applicable if a covered injury, sickness or death is sustained by your traveling companion (named on the Application), immediate family (spouse, children, mother, father, sister, brother), and immediate family in-laws. See Exclusion A.
Period of Insurance
Coverage for the Trip Cancellation and Curtailment Benefit begins at 12:01 a.m. local time 30 days prior to your scheduled departure, but no sooner than the date your Application and premium are received by the Administrator. Coverage ends at: (a) the completion of your trip or; (b) 11:59 p.m. local time on the last day of coverage specified on your Application, whichever occurs earlier.
$100,000 Additional Accidental Death & Dismemberment Benefit
The Accidental Death & Dismemberment Benefit (as previously defined) may be optionally increased from the included $25,000 benefit to a total benefit of $125,000. This benefit is not available to persons age 71 or older.