Cancel For Any Reason Travel Insurance (2024)

6. CANCEL FOR ANY REASON BENEFIT

The Insured’s coverage under the Cancel For Any Reason Benefit will take effect as stated in SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE.

If the Insured cancels his/her Covered Trip for any reason not otherwise covered by this Policy, We will reimburse the Insured a Cancel For Any Reason Benefit, for the Payments and Deposits the Insured paid for his/her Covered Trip, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule, provided:

a. the Insured’s premium is received within one day of the initial deposit for his/her Covered Trip;

b. the Insured is not disabled from travel at the time the Insured pays his/her premium;

c. the Insured insures at least 100% of all prepaid Trip Costs that are subject to cancellation penalties or restrictions;

d. the Trip Cost per person is no more than $10,000; and

e. the Insured cancels his/her Covered Trip two days or more before his/her scheduled Covered Trip departure date and time.

6. CANCEL FOR ANY REASON BENEFIT

The Insured’s coverage under the Cancel For Any Reason Benefit will take effect as stated in SECTION II – EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. EFFECTIVE DATE.

If the Insured cancels his/her Covered Trip for any reason not otherwise covered by this Policy, We will reimburse the Insured a Cancel For Any Reason Benefit, for the Payments and Deposits the Insured paid for his/her Covered Trip, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule, provided:

a. the Insured’s premium is received within one day of the initial deposit for his/her Covered Trip;

b. the Insured is not disabled from travel at the time the Insured pays his/her premium;

c. the Insured insures at least 100% of all prepaid Trip Costs that are subject to cancellation penalties or restrictions;

d. the Trip Cost per person is no more than $10,000; and

e. the Insured cancels his/her Covered Trip two days or more before his/her scheduled Covered Trip departure date and time.

TRIP CANCELLATION FOR ANY REASON

This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits.

If You are prevented from taking the Covered Trip for any reason, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

TRIP CANCELLATION FOR ANY REASON

This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits.

If You are prevented from taking the Covered Trip for any reason, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

OPTIONAL TRIP CANCELLATION FOR ANY REASON

If You purchase this optional benefit, the following coverage is available to You. If You cancel Your Trip for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the pre-paid, forfeited, nonrefundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided:

a) Your premium is received within the Time Sensitive Period; and

b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure within fourteen (14) days the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and

c) You cancel Your entire Trip two (2) days or more before Your Scheduled Departure Date.

Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip.

OPTIONAL TRIP CANCELLATION FOR ANY REASON

If You purchase this optional benefit, the following coverage is available to You. If You cancel Your Trip for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the pre-paid, forfeited, nonrefundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided:

a) Your premium is received within the Time Sensitive Period; and

b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure within fourteen (14) days the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and

c) You cancel Your entire Trip two (2) days or more before Your Scheduled Departure Date.

Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip.

CANCEL FOR ANY REASON.

Coverage is provided for this benefit if purchased within fifteen (15) days of the date the initial trip payment is paid and insures the cost of any subsequent arrangement(s) added to the same covered trip within fifteen (15) days of the date of payments or deposits for any subsequent covered trip arrangement(s). You must cover the entire cost of your covered trip to be eligible for this benefit.

If you are prevented from taking the covered trip for any reason not otherwise covered by this policy, we will reimburse you or your designated representative for seventy-five percent (75%) of the prepaid, forfeited, non-refundable payments or deposits for the covered trip arrangement(s) up to the maximum amount shown in the schedule of benefits, provided the following conditions are met:

a. This insurance coverage is purchased for the full cost of all non-refundable prepaid covered trip arrangements that are subject to cancellation penalties and/or restrictions; and

b. You or your designated representative cancels the covered trip no less than forty-eight (48) hours prior to the scheduled departure date.

Single Occupancy: We will pay you, up to the maximum shown on the schedule of benefits, for the additional cost incurred during the covered trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with you has his or her covered trip delayed, canceled, or interrupted for a covered reason and you do not cancel your covered trip.

CANCEL FOR ANY REASON.

Coverage is provided for this benefit if purchased within fifteen (15) days of the date the initial trip payment is paid and insures the cost of any subsequent arrangement(s) added to the same covered trip within fifteen (15) days of the date of payments or deposits for any subsequent covered trip arrangement(s). You must cover the entire cost of your covered trip to be eligible for this benefit.

If you are prevented from taking the covered trip for any reason not otherwise covered by this policy, we will reimburse you or your designated representative for seventy-five percent (75%) of the prepaid, forfeited, non-refundable payments or deposits for the covered trip arrangement(s) up to the maximum amount shown in the schedule of benefits, provided the following conditions are met:

a. This insurance coverage is purchased for the full cost of all non-refundable prepaid covered trip arrangements that are subject to cancellation penalties and/or restrictions; and

b. You or your designated representative cancels the covered trip no less than forty-eight (48) hours prior to the scheduled departure date.

Single Occupancy: We will pay you, up to the maximum shown on the schedule of benefits, for the additional cost incurred during the covered trip as a result of a change in the per person occupancy rate for prepaid travel arrangements if a person booked to share accommodations with you has his or her covered trip delayed, canceled, or interrupted for a covered reason and you do not cancel your covered trip.

CANCEL FOR ANY REASON COVERAGE

Can only be purchased with the base plan and within 15 days of Initial Trip Payment.

If You are prevented from taking the Trip for any reason not otherwise covered by this plan, the Company will reimburse You for up to 50% of the prepaid, Forfeited, non-refundable payments or deposits for insured Trip arrangements up to the Maximum Limit shown for this benefit in the Schedule provided the following conditions are met:

a) You purchase this Cancel for Any Reason Coverage with the base plan and within 15 days of the date of Your Initial Trip Payment or deposit is paid and insures the cost of any subsequent arrangements added to the same Trip within 15 days of the date of payment or deposit for any subsequent Trip arrangements; and

b) this insurance coverage is purchased for the full cost of all nonrefundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and

c) You cancel the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. Any plan cost paid for this Cancel for Any Reason Coverage will be refunded.

SPECIAL NOTIFICATION OF CLAIM

You must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a Trip Cancellation claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the Travel Supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circ*mstance that prevented timely notification.

CANCEL FOR ANY REASON COVERAGE

Can only be purchased with the base plan and within 15 days of Initial Trip Payment.

If You are prevented from taking the Trip for any reason not otherwise covered by this plan, the Company will reimburse You for up to 50% of the prepaid, Forfeited, non-refundable payments or deposits for insured Trip arrangements up to the Maximum Limit shown for this benefit in the Schedule provided the following conditions are met:

a) You purchase this Cancel for Any Reason Coverage with the base plan and within 15 days of the date of Your Initial Trip Payment or deposit is paid and insures the cost of any subsequent arrangements added to the same Trip within 15 days of the date of payment or deposit for any subsequent Trip arrangements; and

b) this insurance coverage is purchased for the full cost of all nonrefundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and

c) You cancel the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. Any plan cost paid for this Cancel for Any Reason Coverage will be refunded.

SPECIAL NOTIFICATION OF CLAIM

You must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a Trip Cancellation claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the Travel Supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circ*mstance that prevented timely notification.

CANCEL FOR ANY REASON

The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured cancels the Trip for any reason not otherwise covered by this policy provided all of the following conditions are met:

a) The Insured purchased this Cancel for Any Reason Coverage at the same time as the base policy and within the Early Purchase Window;

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions;

c) the cost of any subsequent arrangements added to the same Trip are insured within the number of days listed in the Early Purchase Window of the date of payment or deposit; and

d) the Insured cancels the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. In this event any policy cost paid for thisCancel for Any Reason Coverage will be refunded.

EARLY PURCHASE WINDOW: Within 15 days of Initial Trip Payment.

Maximum traveler Trip Cost of $10,000. MAXIMUM LIMIT: 50% of insured Trip Cost, up to a maximum of $5,000.

SPECIAL NOTIFICATION OF CLAIM

The Insured must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a claim. The Company will not be liable for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, they must provide proof of the circ*mstance that prevented timely notification.

CANCEL FOR ANY REASON

The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured cancels the Trip for any reason not otherwise covered by this policy provided all of the following conditions are met:

a) The Insured purchased this Cancel for Any Reason Coverage at the same time as the base policy and within the Early Purchase Window;

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions;

c) the cost of any subsequent arrangements added to the same Trip are insured within the number of days listed in the Early Purchase Window of the date of payment or deposit; and

d) the Insured cancels the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. In this event any policy cost paid for thisCancel for Any Reason Coverage will be refunded.

EARLY PURCHASE WINDOW: Within 15 days of Initial Trip Payment.

Maximum traveler Trip Cost of $10,000. MAXIMUM LIMIT: 50% of insured Trip Cost, up to a maximum of $5,000.

SPECIAL NOTIFICATION OF CLAIM

The Insured must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a claim. The Company will not be liable for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, they must provide proof of the circ*mstance that prevented timely notification.

TRIP CANCELLATION FOR ANY REASON

This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits.

If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

TRIP CANCELLATION FOR ANY REASON

This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits.

If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

OPTIONAL TRIP CANCELLATION FOR ANY REASON

If You purchase this optional benefit, the following coverage is available to You. If You cancel Your Trip for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the pre-paid, forfeited, nonrefundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided:

a) Your premium is received within the Time Sensitive Period; and

b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure within fifteen (15) days the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and

c) You cancel Your entire Trip two (2) days or more before Your Scheduled Departure Date.

Time Sensitive Period means within twenty-one (21) days of the Initial Deposit Date and within twenty-one (21) days of payment for any subsequent Travel Arrangements added to Your Trip.

OPTIONAL TRIP CANCELLATION FOR ANY REASON

If You purchase this optional benefit, the following coverage is available to You. If You cancel Your Trip for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the pre-paid, forfeited, nonrefundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided:

a) Your premium is received within the Time Sensitive Period; and

b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure within fifteen (15) days the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and

c) You cancel Your entire Trip two (2) days or more before Your Scheduled Departure Date.

Time Sensitive Period means within twenty-one (21) days of the Initial Deposit Date and within twenty-one (21) days of payment for any subsequent Travel Arrangements added to Your Trip.

TRIP CANCELLATION FOR ANY REASON

This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits.

If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

TRIP CANCELLATION FOR ANY REASON

This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits.

If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

TRIP CANCELLATION FOR ANY REASON

This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits.

If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

TRIP CANCELLATION FOR ANY REASON

This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits.

If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

TRIP CANCELLATION FOR ANY REASON

This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits.

If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

TRIP CANCELLATION FOR ANY REASON

This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits.

If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

OPTIONAL TRIP CANCELLATION FOR ANY REASON

If You purchase this optional benefit, the following coverage is available to You. If You cancel Your Trip for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the pre-paid, forfeited, nonrefundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided:

a) Your premium is received within the Time Sensitive Period; and

b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure within twenty-one (21) days of the payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and

c) You cancel Your entire Trip two (2) days or more before Your Scheduled Departure Date.

Time Sensitive Period means within twenty-one (21) days of the Initial Deposit Date and within twenty-one (21) days of payment for any subsequent Travel Arrangements added to Your Trip.

OPTIONAL TRIP CANCELLATION FOR ANY REASON

If You purchase this optional benefit, the following coverage is available to You. If You cancel Your Trip for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the pre-paid, forfeited, nonrefundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided:

a) Your premium is received within the Time Sensitive Period; and

b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure within twenty-one (21) days of the payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and

c) You cancel Your entire Trip two (2) days or more before Your Scheduled Departure Date.

Time Sensitive Period means within twenty-one (21) days of the Initial Deposit Date and within twenty-one (21) days of payment for any subsequent Travel Arrangements added to Your Trip.

OPTIONAL TRIP CANCELLATION FOR ANY REASON

If You purchase this optional benefit, the following coverage is available to You. If You cancel Your Trip for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the pre-paid, forfeited, nonrefundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided:

a) Your premium is received within the Time Sensitive Period; and
b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure within fourteen (14) days of the payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and
c) You cancel Your entire Trip two (2) days or more before Your Scheduled Departure Date.

Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip.

OPTIONAL TRIP CANCELLATION FOR ANY REASON

If You purchase this optional benefit, the following coverage is available to You. If You cancel Your Trip for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the pre-paid, forfeited, nonrefundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided:

a) Your premium is received within the Time Sensitive Period; and
b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure within fourteen (14) days of the payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and
c) You cancel Your entire Trip two (2) days or more before Your Scheduled Departure Date.

Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip.

OPTIONAL CANCEL FOR ANY REASON

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to Your Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:

1. You purchase the Cancel for Any Reason Benefit within the Time Sensitive Period; and

2. You cancel Your Trip no later than 2 days prior to the Scheduled Departure Date of Your Trip.

This Cancel for Any Reason Benefit does not cover penalties associated with any Travel Arrangements not provided by the Travel Supplier or the failure of the Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

Time Sensitive Period means insurance must be purchased within 20 days of the date Your initial Payments or Deposits for Your Trip is received and within 15 days of payment for any subsequent Travel Arrangements added to Your Trip.

OPTIONAL CANCEL FOR ANY REASON

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to Your Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:

1. You purchase the Cancel for Any Reason Benefit within the Time Sensitive Period; and

2. You cancel Your Trip no later than 2 days prior to the Scheduled Departure Date of Your Trip.

This Cancel for Any Reason Benefit does not cover penalties associated with any Travel Arrangements not provided by the Travel Supplier or the failure of the Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

Time Sensitive Period means insurance must be purchased within 20 days of the date Your initial Payments or Deposits for Your Trip is received and within 15 days of payment for any subsequent Travel Arrangements added to Your Trip.

OPTIONAL CANCEL FOR ANY REASON BENEFIT

Optional Coverage: Applicable only when purchased within 20 days at the time of original plan purchase and if the appropriate additional premium has been paid.

If You cancel Your Trip for any reason not otherwise covered by this Policy, benefits will be paid for 75% of the Prepaid, forfeited, non-refundable Payments or Deposits You paid for Your Trip provided:

a) Your Payment or Deposit for this Policy and enrollment form are received within 20 days of the date Your initial Payment or Deposit for Your Trip is received;

b) You insure 100% of the Prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 15 days of the Payment or Deposit for those Travel Arrangements the cost of any subsequent Travel Arrangements (or any other Travel Arrangements not made through Your travel agent) added to Your Trip; and

c) You cancel Your Trip two (2) days or more before Your Scheduled Departure Date.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

OPTIONAL CANCEL FOR ANY REASON BENEFIT

Optional Coverage: Applicable only when purchased within 20 days at the time of original plan purchase and if the appropriate additional premium has been paid.

If You cancel Your Trip for any reason not otherwise covered by this Policy, benefits will be paid for 75% of the Prepaid, forfeited, non-refundable Payments or Deposits You paid for Your Trip provided:

a) Your Payment or Deposit for this Policy and enrollment form are received within 20 days of the date Your initial Payment or Deposit for Your Trip is received;

b) You insure 100% of the Prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 15 days of the Payment or Deposit for those Travel Arrangements the cost of any subsequent Travel Arrangements (or any other Travel Arrangements not made through Your travel agent) added to Your Trip; and

c) You cancel Your Trip two (2) days or more before Your Scheduled Departure Date.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

OPTIONAL CANCEL FOR ANY REASON

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to Your Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:

1. You purchase the Cancel for Any Reason Benefit within the Time Sensitive Period; and

2. You cancel Your Trip no later than 2 days prior to the Scheduled Departure Date of Your Trip.

This Cancel for Any Reason Benefit does not cover penalties associated with any Travel Arrangements not provided by the Travel Supplier or the failure of the Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

Time Sensitive Period means insurance must be purchased within 20 days of the date Your initial Payments or Deposits for Your Trip is received and within 15 days of payment for any subsequent Travel Arrangements added to Your Trip.

OPTIONAL CANCEL FOR ANY REASON

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits for the Travel Arrangements You purchased for Your Trip, when You cancel Your Trip prior to Your Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:

1. You purchase the Cancel for Any Reason Benefit within the Time Sensitive Period; and

2. You cancel Your Trip no later than 2 days prior to the Scheduled Departure Date of Your Trip.

This Cancel for Any Reason Benefit does not cover penalties associated with any Travel Arrangements not provided by the Travel Supplier or the failure of the Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

Time Sensitive Period means insurance must be purchased within 20 days of the date Your initial Payments or Deposits for Your Trip is received and within 15 days of payment for any subsequent Travel Arrangements added to Your Trip.

CANCEL FOR ANY REASON COVERAGE

Can only be purchased with the base plan and within 15 days of Initial Trip Payment.

If You are prevented from taking the Trip for any reason not otherwise covered by this plan, the Company will reimburse You for up to 50% of the prepaid, Forfeited, non-refundable payments or deposits for insured Trip arrangements up to the Maximum Limit shown for this benefit in the Schedule provided the following conditions are met:

a) You purchase this Cancel for Any Reason Coverage with the base plan and within 15 days of the date of Your Initial Trip Payment or deposit is paid and insures the cost of any subsequent arrangements added to the same Trip within 15 days of the date of payment or deposit for any subsequent Trip arrangements; and

b) this insurance coverage is purchased for the full cost of all nonrefundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and

c) You cancel the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. Any plan cost paid for this Cancel for Any Reason Coverage will be refunded.

SPECIAL NOTIFICATION OF CLAIM

You must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a Trip Cancellation claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the Travel Supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circ*mstance that prevented timely notification.

CANCEL FOR ANY REASON COVERAGE

Can only be purchased with the base plan and within 15 days of Initial Trip Payment.

If You are prevented from taking the Trip for any reason not otherwise covered by this plan, the Company will reimburse You for up to 50% of the prepaid, Forfeited, non-refundable payments or deposits for insured Trip arrangements up to the Maximum Limit shown for this benefit in the Schedule provided the following conditions are met:

a) You purchase this Cancel for Any Reason Coverage with the base plan and within 15 days of the date of Your Initial Trip Payment or deposit is paid and insures the cost of any subsequent arrangements added to the same Trip within 15 days of the date of payment or deposit for any subsequent Trip arrangements; and

b) this insurance coverage is purchased for the full cost of all nonrefundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and

c) You cancel the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. Any plan cost paid for this Cancel for Any Reason Coverage will be refunded.

SPECIAL NOTIFICATION OF CLAIM

You must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a Trip Cancellation claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the Travel Supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circ*mstance that prevented timely notification.

CANCEL FOR ANY REASON

The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured cancels the Trip for any reason not otherwise covered by this policy provided all of the following conditions are met:

a) The Insured purchased this Cancel for Any Reason Coverage at the same time as the base policy and within the Early Purchase Window;

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions;

c) the cost of any subsequent arrangements added to the same Trip are insured within the number of days listed in the Early Purchase Window of the date of payment or deposit; and

d) the Insured cancels the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. In this event any policy cost paid for this Cancel for Any Reason Coverage will be refunded.

SPECIAL NOTIFICATION OF CLAIM
The Insured must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a claim. The Company will not be liable for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, they must provide proof of the circ*mstance that prevented timely notification.

Early Purchase Window: Within 15 days of Initial Trip Payment

CANCEL FOR ANY REASON

The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured cancels the Trip for any reason not otherwise covered by this policy provided all of the following conditions are met:

a) The Insured purchased this Cancel for Any Reason Coverage at the same time as the base policy and within the Early Purchase Window;

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions;

c) the cost of any subsequent arrangements added to the same Trip are insured within the number of days listed in the Early Purchase Window of the date of payment or deposit; and

d) the Insured cancels the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. In this event any policy cost paid for this Cancel for Any Reason Coverage will be refunded.

SPECIAL NOTIFICATION OF CLAIM
The Insured must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a claim. The Company will not be liable for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, they must provide proof of the circ*mstance that prevented timely notification.

Early Purchase Window: Within 15 days of Initial Trip Payment

CANCEL FOR ANY REASON COVERAGE

Can only be purchased with the base plan and within 15 days of Initial Trip Payment.

If You are prevented from taking the Trip for any reason not otherwise covered by this plan, the Company will reimburse You for up to 50% of the prepaid, Forfeited, non-refundable payments or deposits for insured Trip arrangements up to the Maximum Limit shown for this benefit in the Schedule provided the following conditions are met:

a) You purchase this Cancel for Any Reason Coverage with the base plan and within 15 days of the date of Your Initial Trip Payment or deposit is paid and insures the cost of any subsequent arrangements added to the same Trip within 15 days of the date of payment or deposit for any subsequent Trip arrangements; and

b) this insurance coverage is purchased for the full cost of all nonrefundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and

c) You cancel the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. Any plan cost paid for this Cancel for Any Reason Coverage will be refunded.

SPECIAL NOTIFICATION OF CLAIM

You must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a Trip Cancellation claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the Travel Supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circ*mstance that prevented timely notification.

CANCEL FOR ANY REASON COVERAGE

Can only be purchased with the base plan and within 15 days of Initial Trip Payment.

If You are prevented from taking the Trip for any reason not otherwise covered by this plan, the Company will reimburse You for up to 50% of the prepaid, Forfeited, non-refundable payments or deposits for insured Trip arrangements up to the Maximum Limit shown for this benefit in the Schedule provided the following conditions are met:

a) You purchase this Cancel for Any Reason Coverage with the base plan and within 15 days of the date of Your Initial Trip Payment or deposit is paid and insures the cost of any subsequent arrangements added to the same Trip within 15 days of the date of payment or deposit for any subsequent Trip arrangements; and

b) this insurance coverage is purchased for the full cost of all nonrefundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and

c) You cancel the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. Any plan cost paid for this Cancel for Any Reason Coverage will be refunded.

SPECIAL NOTIFICATION OF CLAIM

You must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a Trip Cancellation claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the Travel Supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circ*mstance that prevented timely notification.

CANCEL FOR ANY REASON

The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured cancels the Trip for any reason not otherwise covered by this policy provided all of the following conditions are met:

a) The Insured purchased this Cancel for Any Reason Coverage at the same time as the base policy and within the Early Purchase Window;

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions;

c) the cost of any subsequent arrangements added to the same Trip are insured within the number of days listed in the Early Purchase Window of the date of payment or deposit; and

d) the Insured cancels the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. In this event any policy cost paid for this Cancel for Any Reason Coverage will be refunded.

SPECIAL NOTIFICATION OF CLAIM

The Insured must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a claim. The Company will not be liable for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, they must provide proof of the circ*mstance that prevented timely notification.

EARLY PURCHASE WINDOW: Within 15 days of Initial Trip Payment.

CANCEL FOR ANY REASON

The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured cancels the Trip for any reason not otherwise covered by this policy provided all of the following conditions are met:

a) The Insured purchased this Cancel for Any Reason Coverage at the same time as the base policy and within the Early Purchase Window;

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions;

c) the cost of any subsequent arrangements added to the same Trip are insured within the number of days listed in the Early Purchase Window of the date of payment or deposit; and

d) the Insured cancels the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. In this event any policy cost paid for this Cancel for Any Reason Coverage will be refunded.

SPECIAL NOTIFICATION OF CLAIM

The Insured must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a claim. The Company will not be liable for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, they must provide proof of the circ*mstance that prevented timely notification.

EARLY PURCHASE WINDOW: Within 15 days of Initial Trip Payment.

TRIP CANCELLATION FOR ANY REASON

This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits.

If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

TRIP CANCELLATION FOR ANY REASON

This coverage is Optional and must be indicated as applicable on Your Schedule of Benefits.

If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

TRIP CANCELLATION FOR ANY REASON

Optional Benefit purchased separately. See confirmation of insurance to confirm additional premium

Coverage is provided for this benefit if:

1. Purchased within 15 days of the date the Initial Trip Payment;
2. Purchased at least 60 days prior to Your Scheduled Departure Date; and
3. You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any subsequent Covered Trip arrangement(s).

If You are prevented from taking Your Covered Trip for any reason not otherwise covered under the Policy, We will reimburse You or Your designated representative for 50% of the Unused, Prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), up to the maximum shown on the Schedule of Benefits, provided the following conditions are met:

a. This insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements;
b. You or Your designated representative cancels the Covered Trip no less than 48 hours prior to the Scheduled Departure Date;
c. You are medically able to travel at the time You purchase this Policy;
d. You insure 100% of Your prepaid Payments that are subject to cancellation penalties or restrictions;
e. The Covered Trip is cancelled 48 hours or more prior to Your Scheduled Departure Date; and
f. The booking for Your Covered Trip must be the first and only booking for the travel period and destination.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

TRIP CANCELLATION FOR ANY REASON

Optional Benefit purchased separately. See confirmation of insurance to confirm additional premium

Coverage is provided for this benefit if:

1. Purchased within 15 days of the date the Initial Trip Payment;
2. Purchased at least 60 days prior to Your Scheduled Departure Date; and
3. You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any subsequent Covered Trip arrangement(s).

If You are prevented from taking Your Covered Trip for any reason not otherwise covered under the Policy, We will reimburse You or Your designated representative for 50% of the Unused, Prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), up to the maximum shown on the Schedule of Benefits, provided the following conditions are met:

a. This insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements;
b. You or Your designated representative cancels the Covered Trip no less than 48 hours prior to the Scheduled Departure Date;
c. You are medically able to travel at the time You purchase this Policy;
d. You insure 100% of Your prepaid Payments that are subject to cancellation penalties or restrictions;
e. The Covered Trip is cancelled 48 hours or more prior to Your Scheduled Departure Date; and
f. The booking for Your Covered Trip must be the first and only booking for the travel period and destination.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

CANCEL FOR ANY REASON

If You cancel Your Trip for any reason not otherwise covered by this Policy, benefits will be paid for 75% of the Prepaid, forfeited, non-refundable Payments or Deposits You paid for Your Trip provided:

a) Your Payment for this Policy and enrollment form are received within 21 days of the date Your initial Payment or Deposit for Your Trip is received;

b) You insure 100% of the Prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 21 days of the Payment or Deposit for those Travel Arrangements the cost of any subsequent Travel Arrangements (or any other Travel Arrangements not made through Your travel agent) added to Your Trip; and

c) You cancel Your Trip 48 hours or more before Your Scheduled Departure Date.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

CANCEL FOR ANY REASON

If You cancel Your Trip for any reason not otherwise covered by this Policy, benefits will be paid for 75% of the Prepaid, forfeited, non-refundable Payments or Deposits You paid for Your Trip provided:

a) Your Payment for this Policy and enrollment form are received within 21 days of the date Your initial Payment or Deposit for Your Trip is received;

b) You insure 100% of the Prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 21 days of the Payment or Deposit for those Travel Arrangements the cost of any subsequent Travel Arrangements (or any other Travel Arrangements not made through Your travel agent) added to Your Trip; and

c) You cancel Your Trip 48 hours or more before Your Scheduled Departure Date.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

OPTIONAL CANCEL FOR ANY REASON

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits You paid for Your Trip, when You cancel Your Trip prior to departure for any reason not otherwise covered by this policy, provided the following conditions are met:

1. You purchase the Cancel for Any Reason Benefit within the Time Sensitive Period; and

2. You insure the full cost of any subsequent arrangements added to Your Trip within 21 days of the date of Your payment for any such subsequent Travel Arrangements; and

3. You cancel Your Trip no later than 48 hours prior to the Scheduled Departure Date of Your Trip.

This Cancel for Any Reason Benefit does not cover penalties associated with any Travel Arrangements not provided by Retail Travel Supplier or the failure of Retail Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

Time Sensitive Period means insurance must be purchased within 21 days of the date Your initial Payments or Deposits for Your Trip is received.

OPTIONAL CANCEL FOR ANY REASON

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits You paid for Your Trip, when You cancel Your Trip prior to departure for any reason not otherwise covered by this policy, provided the following conditions are met:

1. You purchase the Cancel for Any Reason Benefit within the Time Sensitive Period; and

2. You insure the full cost of any subsequent arrangements added to Your Trip within 21 days of the date of Your payment for any such subsequent Travel Arrangements; and

3. You cancel Your Trip no later than 48 hours prior to the Scheduled Departure Date of Your Trip.

This Cancel for Any Reason Benefit does not cover penalties associated with any Travel Arrangements not provided by Retail Travel Supplier or the failure of Retail Travel Supplier to provide the bargained-for Travel Arrangements due to cessation of operations for any reason.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

Time Sensitive Period means insurance must be purchased within 21 days of the date Your initial Payments or Deposits for Your Trip is received.

CANCEL FOR ANY REASON COVERAGE

Can only be purchased with the base plan and within 15 days of Initial Trip Payment.

If You are prevented from taking the Trip for any reason not otherwise covered by this plan, the Company will reimburse You for up to 50% of the prepaid, Forfeited, non-refundable payments or deposits for insured Trip arrangements up to the Maximum Limit shown for this benefit in the Schedule provided the following conditions are met:

a) You purchase this Cancel for Any Reason Coverage with the base plan and within 15 days of the date of Your Initial Trip Payment or deposit is paid and insures the cost of any subsequent arrangements added to the
same Trip within 15 days of the date of payment or deposit for any subsequent Trip arrangements; and

b) this insurance coverage is purchased for the full cost of all nonrefundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and

c) You cancel the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. Any plan cost paid for this Cancel for Any
Reason Coverage will be refunded.

SPECIAL NOTIFICATION OF CLAIM

You must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a Trip Cancellation claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the Travel Supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circ*mstance that prevented timely notification.

CANCEL FOR ANY REASON COVERAGE

Can only be purchased with the base plan and within 15 days of Initial Trip Payment.

If You are prevented from taking the Trip for any reason not otherwise covered by this plan, the Company will reimburse You for up to 50% of the prepaid, Forfeited, non-refundable payments or deposits for insured Trip arrangements up to the Maximum Limit shown for this benefit in the Schedule provided the following conditions are met:

a) You purchase this Cancel for Any Reason Coverage with the base plan and within 15 days of the date of Your Initial Trip Payment or deposit is paid and insures the cost of any subsequent arrangements added to the
same Trip within 15 days of the date of payment or deposit for any subsequent Trip arrangements; and

b) this insurance coverage is purchased for the full cost of all nonrefundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions; and

c) You cancel the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. Any plan cost paid for this Cancel for Any
Reason Coverage will be refunded.

SPECIAL NOTIFICATION OF CLAIM

You must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a Trip Cancellation claim. The Company will not be liable and will not pay for any additional penalty charges incurred that would not have been imposed had You notified the Travel Supplier within the specified period. If You are unable to provide cancellation notice within the required timeframe, You must provide proof of the circ*mstance that prevented timely notification.

CANCEL FOR ANY REASON

The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured cancels the Trip for any reason not otherwise covered by this policy provided all of the following conditions are met:

a) The Insured purchased this Cancel for Any Reason Coverage at the same time as the base policy and within the Early Purchase Window;

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions;

c) the cost of any subsequent arrangements added to the same Trip are insured within the number of days listed in the Early Purchase Window of the date of payment or deposit; and

d) the Insured cancels the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. In this event any policy cost paid for this Cancel for Any Reason Coverage will be refunded.

SPECIAL NOTIFICATION OF CLAIM
The Insured must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a claim. The Company will not be liable for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, they must provide proof of the circ*mstance that prevented timely notification.

EARLY PURCHASE WINDOW: Within 15 days of Initial Trip Payment.

CANCEL FOR ANY REASON

The Company will reimburse for the Forfeited, pre-paid Trip Costs up to the Maximum Limit shown in the Schedule if the Insured cancels the Trip for any reason not otherwise covered by this policy provided all of the following conditions are met:

a) The Insured purchased this Cancel for Any Reason Coverage at the same time as the base policy and within the Early Purchase Window;

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Trip arrangements that are subject to cancellation penalties and/or restrictions;

c) the cost of any subsequent arrangements added to the same Trip are insured within the number of days listed in the Early Purchase Window of the date of payment or deposit; and

d) the Insured cancels the insured Trip no less than 48 hours prior to the Departure Date.

This coverage will be terminated and no benefits will be paid under this Cancel for Any Reason Coverage if the full costs of all prepaid, non-refundable Trip arrangements are not insured. In this event any policy cost paid for this Cancel for Any Reason Coverage will be refunded.

SPECIAL NOTIFICATION OF CLAIM
The Insured must notify the Travel Supplier within 72 hours or no less than 48 hours prior to departure, whichever is sooner, in the event of a claim. The Company will not be liable for any additional penalty charges incurred that would not have been imposed had the Insured notified the Travel Supplier within the specified period. If the Insured is unable to provide cancellation notice within the required timeframe, they must provide proof of the circ*mstance that prevented timely notification.

EARLY PURCHASE WINDOW: Within 15 days of Initial Trip Payment.

OPTIONAL TRIP CANCELLATION FOR ANY REASON

If You purchase this optional benefit, the following coverage is available to You. If You cancel Your Trip for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the pre-paid, forfeited, nonrefundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided:

a) Your premium is received within the Time Sensitive Period; and
b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure within fourteen (14) days of the payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and
c) You cancel Your entire Trip two (2) days or more before Your Scheduled Departure Date.

Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip.

OPTIONAL TRIP CANCELLATION FOR ANY REASON

If You purchase this optional benefit, the following coverage is available to You. If You cancel Your Trip for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the pre-paid, forfeited, nonrefundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided:

a) Your premium is received within the Time Sensitive Period; and
b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure within fourteen (14) days of the payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and
c) You cancel Your entire Trip two (2) days or more before Your Scheduled Departure Date.

Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip.

OPTIONAL TRIP CANCELLATION FOR ANY REASON

If You purchase this optional benefit, the following coverage is available to You. If You cancel Your Trip for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the pre-paid, forfeited, non- refundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided:

a) Your premium is received within the Time Sensitive Period and prior to Final Payment; and

b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure within fourteen (14) days of the payment for those arrangements, the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and

c) You cancel Your entire Trip two (2) days or more before Your Scheduled Departure Date.

Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip.

Final Payment means the last payment made to Your Travel Supplier that satisfies the total cost of the Trip (meaning You now have a zero ($0.00) balance due for all Trip arrangements).

OPTIONAL TRIP CANCELLATION FOR ANY REASON

If You purchase this optional benefit, the following coverage is available to You. If You cancel Your Trip for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the pre-paid, forfeited, non- refundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided:

a) Your premium is received within the Time Sensitive Period and prior to Final Payment; and

b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure within fourteen (14) days of the payment for those arrangements, the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and

c) You cancel Your entire Trip two (2) days or more before Your Scheduled Departure Date.

Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip.

Final Payment means the last payment made to Your Travel Supplier that satisfies the total cost of the Trip (meaning You now have a zero ($0.00) balance due for all Trip arrangements).

OPTIONAL TRIP CANCELLATION FOR ANY REASON

If You purchase this optional benefit, the following coverage is available to You. If You cancel Your Trip for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the pre-paid, forfeited, nonrefundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided:

a) Your premium is received within the Time Sensitive Period and prior to Final Payment; and

b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure within twenty-one (21) days of the payment for those arrangements, the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and

c) You cancel Your entire Trip two (2) days or more before Your Scheduled Departure Date.

Time Sensitive Period means within twenty-one (21) days of the Initial Deposit Date and within twenty-one (21) days of payment for any subsequent Travel Arrangements added to Your Trip.

Final Payment means the last payment made to Your Travel Supplier that satisfies the total cost of the Trip (meaning You now have a zero ($0.00) balance due for all Trip arrangements).

OPTIONAL TRIP CANCELLATION FOR ANY REASON

If You purchase this optional benefit, the following coverage is available to You. If You cancel Your Trip for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the pre-paid, forfeited, nonrefundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided:

a) Your premium is received within the Time Sensitive Period and prior to Final Payment; and

b) You insure all pre-paid Trip costs that are subject to cancellation penalties or restrictions, and also insure within twenty-one (21) days of the payment for those arrangements, the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip; and

c) You cancel Your entire Trip two (2) days or more before Your Scheduled Departure Date.

Time Sensitive Period means within twenty-one (21) days of the Initial Deposit Date and within twenty-one (21) days of payment for any subsequent Travel Arrangements added to Your Trip.

Final Payment means the last payment made to Your Travel Supplier that satisfies the total cost of the Trip (meaning You now have a zero ($0.00) balance due for all Trip arrangements).

TRIP CANCELLATION FOR ANY REASON

Optional Coverage purchased separately. See confirmation of insurance to confirm additional premium.

Coverage is provided for this benefit if:

1. Purchased within 14 days of the date the Initial Trip Payment;

2. You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any subsequent Covered Trip arrangement(s).

If You are prevented from taking Your Covered Trip for any reason not otherwise covered under the Policy, We will reimburse You or Your designated representative for 75% of the Unused, Prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), up to the maximum shown on the Schedule of Benefits, provided the following conditions are met:

a) This insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements;

b) You or Your designated representative cancels the Covered Trip no less than 24 hours prior to the Scheduled Departure Date. For change of mind, Covered Trip must be cancelled within 72 hours prior to the Scheduled Departure Date;

c) You are medically able to travel at the time You purchase this Policy;

d) You insure 100% of Your prepaid Payments booked through the company from whom You purchased this Policy
that are subject to cancellation penalties or restrictions;

e) The Covered Trip is cancelled 24 hours or more prior to Your Scheduled Departure Date; and

f) The booking for Your Covered Trip must be the first and only booking for the travel period and destination.

Trip Cancellation for Any Reason includes change of mind.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

TRIP CANCELLATION FOR ANY REASON

Optional Coverage purchased separately. See confirmation of insurance to confirm additional premium.

Coverage is provided for this benefit if:

1. Purchased within 14 days of the date the Initial Trip Payment;

2. You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any subsequent Covered Trip arrangement(s).

If You are prevented from taking Your Covered Trip for any reason not otherwise covered under the Policy, We will reimburse You or Your designated representative for 75% of the Unused, Prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), up to the maximum shown on the Schedule of Benefits, provided the following conditions are met:

a) This insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements;

b) You or Your designated representative cancels the Covered Trip no less than 24 hours prior to the Scheduled Departure Date. For change of mind, Covered Trip must be cancelled within 72 hours prior to the Scheduled Departure Date;

c) You are medically able to travel at the time You purchase this Policy;

d) You insure 100% of Your prepaid Payments booked through the company from whom You purchased this Policy
that are subject to cancellation penalties or restrictions;

e) The Covered Trip is cancelled 24 hours or more prior to Your Scheduled Departure Date; and

f) The booking for Your Covered Trip must be the first and only booking for the travel period and destination.

Trip Cancellation for Any Reason includes change of mind.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

TRIP CANCELLATION FOR ANY REASON

This coverage is Optional and must be purchased for an additional premium.

If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

TRIP CANCELLATION FOR ANY REASON

This coverage is Optional and must be purchased for an additional premium.

If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

TRIP CANCELLATION FOR ANY REASON
This coverage is Optional and must be purchased for an additional premium

If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

TRIP CANCELLATION FOR ANY REASON
This coverage is Optional and must be purchased for an additional premium

If You are prevented from taking the Covered Trip for any reason not otherwise excluded, We will reimburse You or Your designated representative for 75% of the prepaid, forfeited, non-refundable Payments or Deposits for the Covered Trip arrangement(s), provided the following conditions are met:

a) this coverage is purchased within 14 days of the date the initial Payment or Deposit is paid and You insure the cost of any subsequent arrangement(s) added to the same Covered Trip within 14 days of the date of Payment or Deposit for any such subsequent Covered Trip arrangement(s); and

b) this insurance coverage is purchased for the full cost of all non-refundable prepaid Covered Trip arrangements; and

c) You or Your designated representative cancels the Covered Trip no less than 2 days prior to the Scheduled Departure Date.

This coverage will be terminated, no benefits will be paid and any premium paid for this coverage will be refunded if the full costs of all prepaid, non-refundable Covered Trip arrangements are not insured.

Upgrade – Trip Cancellation for Any Reason

If you purchase this optional upgrade, the following Benefit is added to Your Policy, with a Maximum Benefit Limit shown in Your Schedule of Benefits:

We will reimburse You up to the amount in the Schedule of Benefits for a percentage of the unused, nonrefundable, Pre-paid Payments or Deposits made for Your Travel Arrangements if You cancel the Trip for any reason, provided:

1. Your payment for this Policy benefit is received within the Time Sensitive Period;

2. You have insured one hundred percent (100%) of the value/costs for Travel Arrangements known to you at the time You purchase this benefit;

3. You are able to travel at the time You purchase this benefit;

4. The Trip cost per person is no more than one hundred fifty thousand dollars ($150,000);

5. You cancel Your Trip forty-eight (48) hours or more prior to Your Scheduled Departure Date.

This Trip Cancellation for Any Reason benefit does not cover penalties associated with any air or other Travel Arrangements not provided by the Travel Supplier or failure of the Travel Supplier to provide the bargained-for Travel Arrangements.

Time Sensitive Period means:

For initial Policy purchase:

within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received.

For subsequent arrangements:

within twenty-one (21) days of payment for any subsequent Pre-paid, nonrefundable arrangements added to Your Trip.

Upgrade – Trip Cancellation for Any Reason

If you purchase this optional upgrade, the following Benefit is added to Your Policy, with a Maximum Benefit Limit shown in Your Schedule of Benefits:

We will reimburse You up to the amount in the Schedule of Benefits for a percentage of the unused, nonrefundable, Pre-paid Payments or Deposits made for Your Travel Arrangements if You cancel the Trip for any reason, provided:

1. Your payment for this Policy benefit is received within the Time Sensitive Period;

2. You have insured one hundred percent (100%) of the value/costs for Travel Arrangements known to you at the time You purchase this benefit;

3. You are able to travel at the time You purchase this benefit;

4. The Trip cost per person is no more than one hundred fifty thousand dollars ($150,000);

5. You cancel Your Trip forty-eight (48) hours or more prior to Your Scheduled Departure Date.

This Trip Cancellation for Any Reason benefit does not cover penalties associated with any air or other Travel Arrangements not provided by the Travel Supplier or failure of the Travel Supplier to provide the bargained-for Travel Arrangements.

Time Sensitive Period means:

For initial Policy purchase:

within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received.

For subsequent arrangements:

within twenty-one (21) days of payment for any subsequent Pre-paid, nonrefundable arrangements added to Your Trip.

Upgrade – Trip Cancellation for Any Reason

If you purchase this optional upgrade, the following Benefit is added to Your Policy, with a Maximum Benefit Limit shown in Your Schedule of Benefits:

We will reimburse You up to the amount in the Schedule of Benefits for a percentage of the unused, non-refundable, Pre-paid Payments or Deposits made for Your Travel Arrangements if You cancel the Trip for any reason, provided:

1. Your payment for this Policy benefit is received within the Time Sensitive Period;
2. You have insured one hundred percent (100%) of the value/costs for Travel Arrangements known to you at the time You purchase this benefit;
3. You are able to travel at the time You purchase this benefit;
4. the Trip cost per person is no more than one hundred fifty thousand dollars ($150,000);
5. You cancel Your Trip forty-eight (48) hours or more prior to Your Scheduled Departure Date.

This Trip Cancellation for Any Reason benefit does not cover penalties associated with any air or other Travel Arrangements not provided by the Travel Supplier or failure of the Travel Supplier to provide the bargained-for Travel Arrangements.

Time Sensitive Period means:

For initial Policy purchase:
within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received.

For subsequent arrangements:
within twenty-one (21) days of payment for any subsequent Pre-paid, nonrefundable arrangements added to Your Trip.

Upgrade – Trip Cancellation for Any Reason

If you purchase this optional upgrade, the following Benefit is added to Your Policy, with a Maximum Benefit Limit shown in Your Schedule of Benefits:

We will reimburse You up to the amount in the Schedule of Benefits for a percentage of the unused, non-refundable, Pre-paid Payments or Deposits made for Your Travel Arrangements if You cancel the Trip for any reason, provided:

1. Your payment for this Policy benefit is received within the Time Sensitive Period;
2. You have insured one hundred percent (100%) of the value/costs for Travel Arrangements known to you at the time You purchase this benefit;
3. You are able to travel at the time You purchase this benefit;
4. the Trip cost per person is no more than one hundred fifty thousand dollars ($150,000);
5. You cancel Your Trip forty-eight (48) hours or more prior to Your Scheduled Departure Date.

This Trip Cancellation for Any Reason benefit does not cover penalties associated with any air or other Travel Arrangements not provided by the Travel Supplier or failure of the Travel Supplier to provide the bargained-for Travel Arrangements.

Time Sensitive Period means:

For initial Policy purchase:
within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received.

For subsequent arrangements:
within twenty-one (21) days of payment for any subsequent Pre-paid, nonrefundable arrangements added to Your Trip.