Cancel For Work Reasons

Trip Cancellation and Interruption Covered Reasons

Coverage is provided for the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy if there is a change in plans by you, a Family Member traveling with you, or Traveling Companion:

  1. Sickness, Injury or death of you, your Family Member, Traveling Companion, or Business Partner. The Sickness must commence while coverage is in effect, require the examination of a Physician, in person, at the time of Trip Cancellation or Trip Interruption and, in the written option of the treating Physician, be so disabling as to prevent you from taking or continuing your Covered Trip.
  2. Common Carrier delays resulting from inclement weather, or mechanical breakdown or organized labor strikes that affect public transportation;
  3. arrangements canceled by an airline, cruise line, motor coach company, or tour operator, resulting from inclement weather, mechanical breakdown or organized labor strikes that affect public transportation.
  4. arrangements canceled by a tour operator, cruise line, airline, rental car company, hotel, condominium, railroad, motor coach company, or other supplier of travel services, resulting from Financial Insolvency;
  5. being directly involved in a documented traffic accident while en route to departure;
  6. being hijacked, quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, Family Member traveling with you or a Traveling Companion is not 1) a party to the legal action, or 2) appearing as a law enforcement officer;
  7. your Home made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;
  8. your destination made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;
  9. mandatory evacuation ordered by local authorities at your destination due to hurricane or other natural disaster;
  10. being called into active military service to provide aid or relief in the event of a natural disaster;
  11. a documented theft of passports or visas;
  12. a Terrorist Act which occurs in your departure city or in a city which is a scheduled destination for your Covered Trip provided the Terrorist Act occurs within 30 days of the Scheduled Departure Date for your Covered Trip;
  13. a cancellation of your Covered Trip if your arrival on the Covered Trip is delayed and causes you to lose 50% or more the scheduled Covered Trip duration due to the reasons covered under the Covered Trip Delay Benefit;
  14. a transfer of employment of 250 miles or more;
  15. your involuntary termination of employment or layoff and was not under your control. You must have been continuously employed with the same employer for 1 year prior to the termination or layoff. This provision is not applicable to temporary employment, independent contractors or self-employed persons;
  16. your host at destination is hospitalized or dies;
  17. you or your Traveling Companion is required to work during the Covered Trip. A notarized written statement by a company officer and/or the Human Resources department demonstrating revocation of previously approved time off will be required;
  18. you or your Traveling Companion's place of employment is rendered unsuitable for business due to burglary, fire, flood, volcano, earthquake, hurricane, or other natural disaster and the Insured or Traveling Companion is required to work as a result;
  19. you or your Traveling Companion is directly involved in the merger of his or her employer or the acquisition of his or her employer by another company;
  20. you or your Traveling Companion have a previously approved military leave revoked or experience a military re-assignment.

Items #17 through #20 are subject to the following condition: the protection plan must be purchased prior to or within 30 days of initial payment for the Covered Trip and at time of plan purchase.