You may be covered if you, a Traveling Companion* or a Family Member* contract COVID-19. If you contract COVID-19 after purchasing Travel Protection and are diagnosed prior to departure, the trip cancellation benefit may provide coverage if you need to cancel your trip. You will need to provide proof of sickness from your doctor and a statement that you are medically unable to travel.

If you contract COVID-19 once you’ve already started your trip, the trip interruption benefit may provide coverage if you need to interrupt your trip because you or a Traveling Companion* become sick. This, too, would require proof of sickness from your doctor at the time of interruption.

If you become sick with COVID-19 while traveling, your medical expenses may be reimbursed as well up to the benefit limits indicated in your plan.

*“Family Member” means any of the following: Your or Your Traveling Companion’s legal spouse (or common-law spouse where legal), legal guardian or ward, son or daughter (adopted, foster, step or in-law), brother or sister (includes step or in-law), parent (includes step or in-law), grandparent (includes in-law), grandchild, aunt, uncle, niece or nephew, Domestic Partner, Caregiver, or Child Caregiver.

*“Traveling Companion” means a person or persons whose names appear with Yours on the same Travel Arrangements and who, during Your Trip, will share accommodations with You in the same room, cabin, condominium unit, apartment unit or other lodging.

If you are Quarantined* prior to your trip, the trip cancellation benefit may reimburse you for unused pre-paid, non-refundable trip costs. If you are Quarantined during your trip, the trip interruption benefit may reimburse you for missed, unused pre-paid non-refundable trip costs and additional transportation costs to return home or catch up to your trip.

If COVID-19 causes you to be Quarantined*, delaying your trip for 12 hours or more, you may be eligible for trip delay benefits which may reimburse additional expenses for transportation, meals, and accommodations, as well as missed unused pre-paid, non-refundable travel arrangements (up to the limits indicated in the plan).

In each case, you would need to provide proof from a doctor or government authority verifying your need to quarantine, as well as receipts for any expenses incurred.

*Quarantine means the enforced strict isolation and confinement of You or Your Traveling Companion at a single location, for medical reasons, pursuant to an order by an official government authority, a lawfully authorized deputy of such authority, or a licensed practicing Physician, which prevents any interaction with other persons for a specified period of time not exceeding the incubation period for a contagious disease to which You or Your Traveling Companion have been exposed. Governmental orders imposing Prohibited Access, social distancing, self-isolation that does not meet all of the requirements set forth above, shelter in place, or stay at home requirements or recommendations do not constitute a Quarantine.

Fear of potentially contracting COVID-19 or fear of being Quarantined is not a covered reason to cancel your trip. However, if you have the Travel Protection Plan, you may be eligible for reimbursement in the form of a Future Travel Certificate issued by your Travel Provider for 100% of the cancellation charges. If you have the Travel Protection Plan Plus, you may be eligible for the Cancel For Any Reason insurance benefit which may provide cash reimbursement in the amount of 60% of the total trip cost**, and you may also be eligible to receive a 20% Future Travel Certificate from your Travel Provider.

Canceling your trip solely because your destination has been affected by COVID-19 is not a covered reason under the trip cancellation benefit. A full list of covered reasons for trip cancellation coverage, along with general exclusions, is found in your state-specific plan documentation.
However, if you have the Travel Protection Plan, you may be eligible for reimbursement in the form of a Future Travel Certificate issued by your Travel Provider for 100% of the cancellation charges. If you have the Travel Protection Plan Plus, you may be eligible for the Cancel For Any Reason feature which may provide cash reimbursement in the amount of 60% of the total trip cost**, and you may also be eligible to receive a 20% future travel credit from your Travel Provider.

Cancellation due to a travel advisory is not a covered reason under the plan. A full list of covered reasons for trip cancellation coverage, along with general exclusions, is found in your state-specific plan documentation.
However, if you decide to cancel your trip due to a travel advisory, you may be eligible for certain coverages. If you have the Travel Protection Plan, you may be eligible for reimbursement in the form of a Future Travel Certificate issued by your Travel Provider for 100% of the cancellation charges. If you have the Travel Protection Plan Plus, you may be eligible for the Cancel For Any Reason feature which may provide cash reimbursement in the amount of 60% of the total trip cost**, and you may also be eligible to receive a 20% Future Travel Certificate from your Travel Provider.

Trip cancellation or trip interruption benefits are not available in circumstances when the intended destination is the subject of a CDC Travel Warning. A full list of covered reasons for trip cancellation and trip interruption coverage, along with general exclusions, is found in your state-specific plan documentation.

However, if you decide to cancel your trip due to a CDC Travel Warning at your destination, you may be eligible for certain coverages. If you have the Travel Protection Plan, you may be eligible for reimbursement in the form of a Future Travel Certificate issued by your Travel Provider for 100% of the cancellation charges. If you have the Travel Protection Plan Plus, you may be eligible for the Cancel For Any Reason feature which may provide cash reimbursement in the amount of 60% of the total trip cost**, and you may also be eligible to receive a 20% Future Travel Certificate from your Travel Provider.

You are eligible for a refund of your plan cost during the free look period, which is 10 days from the time you purchase the plan, provided all the below conditions are met:

• You are within 10 days of plan purchase;
• You have not started your trip; and
• You have not filed a claim.
• Your plan cost is not refundable after the free look period.

If your trip has begun or if on your departure date your flight is delayed by the airline, or other common carriers, for 12 or more hours, the Travel Protection plan may reimburse travel delay expenses for items such as additional meals, accommodations, and airfare.
If the airline carrier has made the decision to cancel your flight in advance of your departure date and you need to cancel your trip, there may be reimbursement available to you.

If you have the Travel Protection Plan, you may be eligible for reimbursement in the form of a Future Travel Certificate issued by your Travel Provider for 100% of the cancellation charges. If you have the Travel Protection Plan Plus, you may be eligible for the Cancel For Any Reason benefit which may provide cash reimbursement in the amount of 60% of the total trip cost**, and you may also be eligible to receive a 20% Future Travel Certificate from your Travel Provider.

You may be covered if you are diagnosed with COVID-19 while on your trip and it is determined that emergency medical transportation to a higher level of care is necessary as a result. All of the Travel Protection plans provide a maximum benefit limit of $100,000 for emergency medical evacuation. These arrangements must be coordinated and approved by the Assistance Service Provider – CareFree Travel Assistance™.

Contact with someone who is positive is not a covered reason for trip cancellation or trip interruption benefits UNLESS, you were placed under Quarantine* as a result of this direct contact/exposure. If you were to become sick and are diagnosed with COVID-19 by a Physician and are deemed medically unable to travel, you may be covered with proper documentation.

Additionally, If you have the Travel Protection Plan, you may be eligible for reimbursement in the form of a Future Travel Certificate issued by your Travel Provider for 100% of the cancellation charges. If you have the Travel Protection Plan Plus, you may be eligible for the Cancel For Any Reason benefit which may provide cash reimbursement in the amount of 60% of the total trip cost**, and you may also be eligible to receive a 20% Future Travel Certificate from your Travel Provider.

Self-quarantine upon return from a trip is not a covered reason for trip cancellation under the plan.

However, If you have the Travel Protection Plan, you may be eligible for reimbursement in the form of a Future Travel Certificate issued by your Travel Provider for 100% of the cancellation charges. If you have the Travel Protection Plan Plus, you may be eligible for the Cancel For Any Reason benefit which may provide cash reimbursement in the amount of 60% of the total trip cost**, and you may also be eligible to receive a 20% Future Travel Certificate from your Travel Provider.

Regardless of your reason for cancellation, all cancellation claims must be reported to Aon and your Travel Provider(s) within 30 days* of becoming aware that you are sick (or otherwise unable to travel) or as soon as reasonably possible, and prior to the scheduled trip. Your sickness or reason for the cancellation must occur after your Travel Protection plan purchase (Effective) date.

*State variation language may apply