• Injury, sickness or death of an insured, a traveling companion or immediate family member
• Financial insolvency of a travel supplier (please note that financial insolvency coverage takes effect 8 days following purchase of the plan; no financial insolvency coverage for the first 7 days)
• Other covered events such as being required to serve on a jury, a court order to appear as a witness in a legal action, having your home made uninhabitable by natural disaster, and involvement in a traffic accident while en route to departure

While there is a pre-existing condition exclusion, the program's terms are quite liberal. The pre-existing condition exclusion precludes coverage only for those medical conditions that manifested themselves, became acute, or were being treated in the 60 days before coverage goes into effect (the date coverage is purchased). You may have a chronic condition that requires you to take medication and still be covered by the program. Only if you received or were recommended to receive a diagnostic test, examination or medical treatment and/or if there has been a change in the required prescription would your condition be considered "pre-existing".

In other words, unless you, your traveling companion or a family member booked to travel with you has a new medical condition or one that has recently "flared-up" right before you enroll in the program, or you have had a change in your required medication, the program should provide coverage.

PLEASE NOTE: you can waive the pre-existing condition exclusion by simply purchasing insurance within 7 days of your initial deposit or payment. Doing so will remove the exclusion from the program so that even pre-existing medical conditions can be covered. So long as you are medically able to travel at time of purchase, waiving the pre-existing condition exclusion is the easiest way to alleviate doubt as to chronic medical conditions.

Travel Delay - $1,000
Covers the prepaid, unused portion of an insured client's trip, additional accommodations and traveling expenses if a person is delayed for 12 hours or more en route to their trip due to inclement weather, strike or equipment failure of a common carrier.

Missed Connection - $1,000 (up to $200 per day)
Covers the prepaid, unused portion of an insured client's trip, additional accommodations and traveling expenses for insureds who miss the trip departure solely due to weather-related flight cancellation or flight delay of 3 or more hours.

Baggage/Personal Effects - $1,500
Covers expenses for loss, theft, or damage to baggage and personal effects while on the trip.

Baggage Delay - $500
Covers expenses of necessary personal effects needed if an insured's baggage is delayed for more than 24 hours.

Accident Medical Expense - $50,000
Sickness Medical Expense - $50,000
Covers the expenses for necessary medical services or supplies if an insured client suffers an injury or illness while on the trip.

Emergency Evacuation/Repatriation of Remains - $50,000
Provides coverage for immediate transportation from the place where an insured client is injured or sick to the nearest medical facility where appropriate treatment may be obtained and transportation home if necessary, including medical escort and supplies.

Worldwide Emergency Assistance Service - 24 Hours
If an insured client suffers a medical or other emergency while on their trip,