Benefit Per Trip	Maximum Benefit Amount/Principal Sum
Part A – Travel Arrangement Protection
Trip Cancellation	Trip Cost ($0-$30,000)
Optional Trip Cancellation for Work Reasons Trip Cost
Trip Interruption	150% of Trip Cost
Missed Connection	$1,500
Travel Delay Up to $300 Per Day	$1,500
Baggage and Personal Effects	$2,500
Baggage Delay	$600
OPTIONAL Cancel For Any Reason Benefit Up To 75% of Non-Refundable Trip Cost
Change Fee	$75
OPTIONAL Lost Golf Rounds	$500
OPTIONAL Lost Skier Days	$500
OPTIONAL Sports Equipment Rental	$500
OPTIONAL Rental Car Damage	$35,000
Part B – Travel Insurance Benefits
Accidental Death & Dismemberment
24-Hour (Other than Air Flight)	$25,000
24-Hour (Other than Common Carrier)
OPTIONAL Air Flight Only	$100,000, $250,000, or $500,000
Common Carrier Only	$25,000
Medical Expense/Emergency Assistance
Accident & Sickness Medical Expense	$250,000
Emergency Medical Evacuation	$1,000,000

Benefits are not payable for any loss due to, arising or resulting from:

• suicide, attempted suicide or any intentionally self-inflicted injury of You, a Traveling Companion, Family Member or Business Partner booked to travel with You, while sane or insane;
• an act of declared or undeclared war;
• participating in maneuvers or training exercises of an armed service, except while participating in weekend or summer training for the reserve forces of the United States, including the National Guard;
• riding or driving in races, or speed or endurance competitions or events;
• mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);
• participating as a member of a team in an organized sporting competition or participating as a professional in a stunt, athletic or sporting event or competition;
• participating in skydiving or parachuting, parasailing, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heli-skiing mountaineering, any race, speed contests not including any of the regatta races, spelunking or caving, hot air ballooning, or scuba diving if the depth exceeds 120 feet (40 meters) or if You are not certified to dive and a dive master is not present during the dive;
• piloting or learning to pilot or acting as a member of the crew of any aircraft;
• being Intoxicated as defined herein, or under the influence of any controlled substance unless as administered or prescribed by a Legally Qualified Physician;
• the commission of or attempt to commit a felony or being engaged in an illegal occupation;
• normal childbirth or pregnancy (except Complications of Pregnancy) or voluntarily induced abortion;
• dental treatment (except as coverage is otherwise specifically provided herein);
• amounts which exceed the Maximum Benefit Amount for each coverage as shown in the Schedule of Benefits;
• due to a Pre-Existing Condition, as defined in the Policy. The Pre-Existing Condition Limitation does not apply to the Emergency Medical Evacuation or return of remains coverage;
• any amount paid or payable under any Worker’s Compensation, Disability Benefit or similar law;
• a loss or damage caused by detention, confiscation or destruction by customs;
• Elective Treatment and Procedures;
• medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment;
• an assessment from a Legally Qualified Physician advising You in writing that You , a Traveling Companion, Family Member or Business Partner booked to travel with You are not Medically Fit to Travel, as defined in the Policy, at the time of purchase of Coverage for a Trip.

The Company will not pay for any expense as a result of any illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or Family Member scheduled or booked to travel with You: 1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this Exclusion does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Policy.

Waiver of the Pre-Existing Condition Exclusion

The exclusion for Pre-Existing Condition will be waived provided:

• 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; and
• You insure all Prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 20 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
• You are not disabled from travel at the time Your premium is paid.

Benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits to reimburse You for the amount of the Published Penalties and unused non-refundable Prepaid Payments or Deposits You paid for Travel Arrangements, including up to $75 for the cost of airline-imposed fees to rebank frequent flyer miles for air flights to join Your Trip when You are prevented from taking Your Trip due to:

• Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s death, which occurs before departure on Your Trip;
• Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s covered Sickness or Injury, which: a) occurs before departure on Your Trip, b) requires Medical Treatment at the time of cancellation resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and c) and prevents Your participation in the Trip;
• For the Other Covered Reasons listed below;

provided such circumstances occur while coverage is in effect.

“Other Covered Reasons” means:

• You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after Your Effective Date), served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers);
• Your or Your Traveling Companion’s primary place of residence being rendered uninhabitable and remaining uninhabitable during Your scheduled Trip, by fire, flood, burglary or other Natural Disaster. The Company will only pay benefits for Losses occurring within 30 calendar days after the Natural Disaster makes Your primary place of residence uninhabitable. Your primary place of residence is uninhabitable if: (i) the building structure itself is unstable and there is a risk of collapse in whole or in part; (ii) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail, or flood; (iii) immediate safety hazards have yet to be cleared such as debris on roofs or downed electrical lines; or (iv) the rental property is without electricity or water. Benefits are not payable if a storm, snow storm, blizzard or hurricane is named on or before the Effective Date of Your Trip Cancellation coverage;
• You or Your Traveling Companion being directly involved in a traffic accident, substantiated by a police report, while en route to Your scheduled point of departure;
• unannounced Strike that causes complete cessation of services for at least 48 consecutive hours of the Common Carrier on which You are scheduled to travel;
• Inclement Weather that causes complete cessation of services for at least 48 consecutive hours of the Common Carrier on which You are scheduled to travel;
• You or Your Traveling Companion is in the military and called to emergency duty for a national disaster other than war;
• involuntary employer termination or layoff affecting You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year;
• a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip. This same city must not have experienced a Terrorist Incident within the 90 days prior to the Terrorist Incident that is causing Your cancellation of Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary;
• Bankruptcy or Default of an airline, or cruise line, tour operator or other travel provider (other than the Travel Supplier, tour operator or travel agency, organization or firm from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services more than 14 days following Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination.
• felonious assault of You or Your Traveling Companion within 10 days of the Scheduled Departure Date;

OPTIONAL TRIP CANCELLATION FOR WORK REASONS

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.

• You, Your Traveling Companion or Family Member traveling with You is directly involved in the merger of Your employer or the acquisition of Your employer by another company;
• A transfer of You or Your Traveling Companion by the employer by whom You or Your Traveling Companion are employed on Your Effective Date which requires their principal residence to be relocated;
• You, Your Traveling Companion or a Family Member traveling with You is required to work during the Trip. A written statement by an unrelated company official and/or the human resources department demonstrating revocation of previously approved time off will be required. This provision is not applicable to temporary employment, independent contractors or self-employed persons;
• Your or Your Traveling Companion’s place of employment is rendered unsuitable for business due to fire, flood, burglary or other Natural Disaster and You and/or Your Traveling Companion are required to work as a result.

All cancellations must be reported to the Travel Supplier within 72 hours of the event causing the need to cancel. If the event delays the reporting of the cancellation beyond the 72 hours, the event should be reported as soon as possible. Increased amounts of Published Penalties and unused non-refundable Prepaid Payments or Deposits that result from all other delays of reporting beyond 72 hours are not covered.

If Your Travel Supplier cancels Your Trip, a benefit will be paid up to a maximum of $75 for the reissue fee charged by the airline for the tickets. You must have covered the entire cost of Your Trip including the airfare cost.

The maximum payable under this Trip Cancellation Benefit is the Maximum Benefit Amount shown in the Schedule of Benefits.

Single Supplement

Benefits will be paid, up to the Maximum Benefit Amount, for the additional cost incurred as a result of a change in the per person occupancy rate for Prepaid Travel Arrangements if a Traveling Companion’s or Family Member’s Trip is canceled for a covered reason and You do not cancel Your Trip.

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

As your plan administrator, Seven Corners will take care of your plan needs from start to finish. We will process your purchase, provide all documents, & handle any claims. Our goal is to provide you with outstanding service every step of your journey with us.