Covered Reasons for Travel Insurance!
OneTrip – Protect your next journey with single-trip travel insurance. For an international trip, consider plans that include emergency medical and emergency medical transportation benefits. To protect your financial investment in travel, choose a plan with trip cancellation/interruption benefits.
– Trip Cancellation
Reimburses your prepaid, non-refundable expenses if you must cancel your trip due to a covered reason.
– Attending immediate family members birth
You need to attend an immediate family members birth. The pregnancy must have occurred after the effective date of coverage and can be verified by medical records.
– Complete cessation of services
Your airline, cruise line, or tour operator or travel supplier stops offering all services for at least 24 consecutive hours where you’re departing, arriving or making a connection because of a natural disaster, severe weather, or a strike.
– Complete cessation of services 24 hours
Complete cessation of services by your common carrier for 24 or more hours due to a strike, natural disaster, bad weather or FAA mandated shutdown.
– Covered Travel Delay – loss of 50%
You miss more than half of the total length of your trip because your travel is delayed.
– Death of Family Member
A family member passes away.
– Death of Insured
An insured traveler passes away.
– Death of Traveling Companion
A traveling companion passes away.
– Destination uninhabitable
Your destination is uninhabitable because of a natural disaster, fire, flood, burglary or vandalism.
– Employer Termination – 1 yr.
You or a traveling companion, after having been with the same employer for at least 12 continuous months, are terminated/laid off through no fault of your own, after your effective date of coverage.
– Employer Termination – 3 yrs.
You or a traveling companion is terminated or laid off from a company after your plan’s effective date. You must have worked for this employer for at least 3 consecutive years.
– Felonious Assault
You or a Traveling Companion are the victim of a felonious assault within 10 days prior to Your departure date or during Your Trip.
– Financial Default
Your tour operator, airline or cruise line, ceases operation due to a financial default.
– Foreign and Domestic Terrorism
A terrorist event happens at your destination within 30 days of the day you’re scheduled to arrive.
You or a traveling companion is hijacked, or in the case of Travel Delay, Your travel is delayed by a hijacking
– Home uninhabitable
Your primary residence is uninhabitable because of a natural disaster, fire, flood, burglary or vandalism.
– Illness of Family Member
A family member has a covered illness.
– Illness of Insured
An insured traveler has a covered illness.
– Illness of Traveling Companion
A traveling companion has a covered illness.
– Injury of Family Member
A family member has a covered injury.
– Injury of Insured
An insured traveler has a covered injury.
– Injury of Traveling Companion
A traveling companion has a covered injury.
– Involved in a traffic accident
You or a traveling companion is in a traffic accident on the way to your point of departure and you or the traveling companion need medical attention or the car needs to be repaired because it’s not safe to drive.
You are summoned by a court order or subpoena to serve on a jury or appear in court.
– Legal separation or divorce
Your or a traveling companion legally separate or divorce after your insurance effective date but before your scheduled departure date.
– Loss of accommodations abroad
Family or friends outside the United States can’t accommodate you as planned because someone in the household has died or been diagnosed with a serious illness or injury.
– Military Obligations
You or a traveling companion serving in the U.S. Armed Forces are reassigned, or have your personal leave revoked, except because of war, the War Powers Act, bas or unit mobilization, unit reassignment or disciplinary action.
– Normal Pregnancy
You become pregnant as long as the pregnancy occurs after the effective date of coverage and can be verified by medical records (only applies to Trip Cancellation).
You or a traveling companion is quarantined.