We will pay a Post-Departure Trip Interruption Benefit, up to the amount in the
Schedule, if: 1) Your arrival on your Covered Trip is delayed beyond the
Scheduled Departure Date; or 2) You are unable to continue on your Covered Trip
after you have departed on your Covered Trip due to your, Family Member's or
Traveling Companion's, Sickness, Injury, or death. For item 1) above, the
Sickness or Injury must: a) Commence while your coverage is in effect under the
plan; b) For item 2) above, commence while you are on your Covered Trip and
your coverage is in effect under the plan; and c) For both items 1) and 2)
above, require the examination and treatment by a Physician, in person, at the
time the Covered Trip is interrupted or delayed; and d) In the written opinion
of the treating Physician, be so disabling as to delay your arrival on your
Covered Trip or to prevent you from continuing your Covered Trip.
We will pay a benefit if: 1) Your arrival on your Covered Trip is delayed beyond
the Scheduled Departure Date; or 2) You are unable to continue on your Covered
Trip after you have departed on your Covered Trip due to Other Covered Events,
as defined.
Post-Departure Trip Interruption Benefits
We will reimburse you, less any refund paid or payable, for unused land or
water travel arrangements, plus one of the following:
1. The additional transportation expenses by the most direct route from the
point you interrupted your Covered Trip:
-
To the next scheduled destination where you can catch up to your Covered Trip;
or
-
To the final destination of your Covered Trip; or
2. The additional transportation expenses incurred by you by the most direct
route to reach your original Covered Trip destination if you are delayed and
leave after the Scheduled Departure Date. However, the benefit payable under
(1) and (2) above will not exceed the cost of a one-way economy air fare (or
first class, if the original tickets were first class) by the most direct route
less any refunds paid or payable for your unused original tickets.
3. Your additional cost as a result of a change in the per-person occupancy rate
for prepaid travel arrangements if a Traveling Companion's Covered Trip is
interrupted and your Covered Trip is continued. |