Travel Insurance Plans' Travel Delay, Missed Connection, Trip Cancellation & Trip Interruption Coverages

Travel Delay, Missed Connection, Trip Cancellation & Trip Interruption incidents can come from many events, not just due to a volcano. You can have any number of Bad Weather events as well as unexpected illnesses or injuries.

Q. How does Trip Cancellation work?

A. Trip Cancellation coverage gives you your money back if something unexpectedly bad happens to you, a close family member or a traveling companion that forces you to cancel your trip.

For example, you get hit by a cement truck going out to get the mail. Thankfully it doesn't have to that bad! If one of you gets unexpectedly hurt or sick before you leave (and your doctor advises you against traveling), you will be covered. If you follow certain rules, you can also have pre-existing medical conditions covered.

Q. How does Trip Interruption work?

A. Trip Interruption is similar to Trip Cancellation, but it happens after you've left home. Technically, Trip Cancellation is a pre-departure Trip Cancellation and a Trip Interruption is a post-departure Trip Interruption.

Trip Interruption coverage reimburses you the unused prepaid non-refundable value of your trip plus pays the cost of one-way airfare home if you are forced to return home for a covered reason.

For example, you get hit by a cement truck while you're walking across the street in London - do you remember that they said "Look to the right first" ? Or, your brother-in-law gets hit by a a cement truck while you're going out to get the mail. You feel bad for him & want to get home to visit him in the hospital (yeah, right).

Important: In the case of Bad Weather & other Natural Disasters, there usually has to be a 24 hour shutdown of Common Carrier services (ie - the airport has to be shut down for 24 consecutive hours) to have a covered Trip Interruption.

Q. How does Travel Delay work?

A. Travel Delay is reimbursement for meals and accommodations that you might incur if your trip's departure or your return home is delayed for a covered reason (you're still in the hospital after the cement truck incident or an unexpected ash cloud from Eyjafjallajokull cancels your flight and you have to suffer through another night in Venice.

You'll be reimbursed up to the daily limit for meals and accommodations (to the policy maximum) if your departure is delayed for more than the number of hours required for a covered reason during your trip.

Travel Delays can turn into a trip cancellation if you are delayed at least 50% of the length of your trip's duration. This is a bigger benefit on shorter trip lengths.

Q. How does Missed Connection work?

A. Some plans cover the additional traveling expenses under a separate section called "Missed Connection". "Missed Connection" provides reimbursement in the event of a missed flight connection to pay the airline's change fee costs or for the additional costs to "catch up" to a cruise or tour if the cause of delay is an accident or bad weather. I suggest you read the policy wording carefully since the phrase "Missed Connection" doesn't mean the same from company to company.

Important: "Missed Connection" doesn't mean the insurance will cover you in all situations. If you are going on a cruise or tour (depending on the plan) and miss its departure because you were up late partying, you will not be reimbursed.

Here's What Each of Our Plans Cover:

Travel Guard Essential Basic & Essential Expanded Silver:

TRIP DELAY
The Insurer will reimburse up to $100 a day to the Maximum Limit shown on the Schedule of Benefits if the Insured’s Trip is delayed for more than 12 hours for Reasonable Additional Expenses until travel becomes possible. Incurred expenses must be accompanied by receipts. This benefit is payable for only one delay per Insured, per Trip. Trip Delay must be caused by: (a) the Insured being delayed by a traffic accident while en route to a departure; or (b) carrier-caused delay; (c) lost or stolen passports, travel documents, or money; or (d) quarantine; (e) being hijacked; (f) Unforeseen Strike; (g) Inclement Weather which prohibits Common Carrier departure; or (h) Natural Disaster that causes a complete cessation of travel services at the point of departure or Destination.

The Insured Must: Contact LiveTravel (1-800-826-8597) as soon as he/she knows his/her Trip is going to be delayed more than 12 hours. Failure to do so may affect coverage.

Travel Insured Worldwide Trip Protector Lite & Lite Expanded:

Trip Delay: The Insurer will reimburse You for covered expenses on a one time basis, up to the maximum shown on the Schedule of Coverage and Services, if You are delayed en route to or from the covered Trip for six (6) or more hours due to a covered reason. Covered expenses include Your additional transportation cost to join the Trip or return home and up to $100 per day for reasonable additional expenses incurred for meals and lodging or any prepaid, unused, non-refundable land and water accommodations. Covered reasons for Trip Delay are: Any delay of a Common Carrier (Including Inclement Weather); You or Your Traveling Companion being delayed by a traffic Accident while en route to a departure; lost or stolen passports, money, or travel documents; quarantine; hijacking, unannounced Strike, Natural Disaster.

Missed Connection: Covers missed Cruise or Trip departures which result from cancellation or delay (for three or more hours) of all regularly scheduled airline flights due to any delay of Your Common Carrier (Including inclement Weather). Maximum benefits of up to the amount shown on the Schedule of Coverage and Services are provided to cover additional transportation expenses needed for You to join the departed Cruise or Trip, reasonable accommodations, and meal expenses and non-refundable payments for the unused portion of Your Cruise or Trip. Coverage will not be provided to individuals who are able to meet their scheduled departure but cancel their Trip due to Inclement Weather.

Note: Travel delay benefits are shown as a dollar amount, but the benefits are paid as a daily maximum.

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	Since Jan. 2005
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