BRIEF SUMMARY OF COVERAGES AND SERVICES

Trip Cancellation & Interruption:Trip Cost
Covers your trip investment if you must cancel or interrupt your trip for reasons such as sickness, injury or death to you, your traveling companion or an immediate family member; severe weather; required to serve jury duty; military duty; employer terminations; acts of terrorism; involved in or delayed by a traffic accident en route to your departure; named hurricane causing cancellation of travel to the Insured's Destination that is inaccessible or uninhabitable.

$400 Travel Delay
Reimbursement (up to $100 a day) for additional expenses incurred when you are delayed (i.e., hotel, rental car, flight change fees).

$400 Baggage Delay
Reimbursement for purchasing essential items (i.e., toiletries) when bags are delayed more than 24 hours.

$10,000 Medical Expense
Covers emergency medical expenses incurred while traveling; includes emergency dental treatment.

$500,000 Emergency Medical Transportation
Covers evacuation and transportation to the nearest adequate medical facility when required by an attending physician; also includes cost for a medical escort. 24-Hour Emergency Hotline Immediate help with any travel or medical emergency when you need it, wherever you need it; includes cash advances, telephone interpretation, passport or ticket replacement, physician referrals and appointments, prescription replacement, lost or delayed baggage tracing and delivery assistance.

Pre-Existing Medical Condition Exclusion Waiver*
If insurance is purchased within 14 days of initial trip deposit, the Pre-Existing Medical Condition Exclusion will be waived.* This is applicable to all coverages contained in the policy. You must be medically able to travel when you pay your premium. In the event that a claim is filed, the injury or illness must be substantiated to our Claims Department.