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Can I cancel my trip for work-related reasons?

Yes, Trip Cancellation due to work reasons is included in the base plan. You are covered in the event you must cancel due to specific work-related reasons. For a complete list of covered work-related reasons, please refer to the Description of Coverage (DOC).

If I do not enroll within the 15 days, how far do you look back for pre-existing medical conditions?

180 days preceding and including the coverage effective date.

What does this plan cover due to trip cancellation?

The insurer will reimburse the non-refundable, pre-paid payments or deposits if you must cancel your trip for an unforeseen sickness, accidental injury or death of you, your traveling companion, family member or business partner, strike, financial default of the travel supplier, your primary residence or destination being made uninhabitable by vandalism, burglary, or natural disaster, your being subpoenaed, required to serve on a jury, hijacked or quarantined, military duty, involuntary termination or layoff of employment, a terrorist incident, and covered business reasons. Optional Cancel for Any Reason coverage can be purchased. For a complete list of covered reasons and details for Trip Cancellation, please refer to the Description of Coverage (DOC).

Will I be covered if I cancel my trip for any reason?

Yes, you can be reimbursed up to 50% of trip cost if you purchase the optional Cancel For Any Reason coverage all at the time you purchase your base plan and within 15 days of your initial trip payment. See the Description of Coverage (DOC) for complete details.

What happens if a family member not traveling becomes ill or passes away? Is this covered?

An illness or death of a family member not traveling with you may be considered a covered reason for Trip Cancellation or Trip Interruption (conditions apply). The definition of family member is included in the Description of Coverage (DOC).

What is the pre-existing condition waiver and how can I qualify?

The pre-existing medical condition exclusion will be waived if: 1. You purchase the plan within 15 days of making your initial trip payment; 2. The amount of Trip Cancellation coverage purchased must equal the full cost of all prepaid non-refundable trip arrangements. The cost of any subsequent arrangement(s) added to the same trip must be insured within 15 days of the date of payment or deposit for any subsequent trip arrangement(s). Failure to do so may affect the pre-existing medical condition waiver; 3. All insured’s must be medically able to travel when you pay your plan cost. 4. Applies to the first $30,000 of trip cost per person.