TRIP DELAY/MISSED CONNECTION:

You are covered up to the Maximum Benefit Amount for:

1. Additional Transportation Cost to join the Covered Trip or return home, including up to $200 per day for reasonable accommodations and meals, if Your delay requires an unplanned overnight stay; and/or
2. unused non-refundable portion of the prepaid expenses as long as the expenses are supported by proof of purchase and are not reimbursable by any other source. Delay must be five (5) hours or more and certified due to the following reasons:

1. delay of Common Carrier (which is certified by the Common Carrier);
2. a traffic accident while enroute to the point of departure (substantiated by a police report);
3. documented weather condition preventing You from getting to the point of departure;
4. Organized Labor Strike, natural disaster, Terrorist Incident, riot or You or Your Traveling Companion being hijacked or quarantined;
5. lost or stolen passports, travel documents or money (substantiated by a police report).

ITINERARY CHANGE

You are covered up to the Maximum Benefit Amount for unused non-refundable prepaid expenses if Your Travel Supplier makes a change in the Covered Trip itinerary after Your Scheduled Departure Date, which prevents You from participating in a separately booked event/activity not included in the cost of Your cruise/tour. If a comparable event/activity of equivalent cost is substituted then no benefit is paid. Verification by the cruise/tour supplier of the change in the scheduled Covered Trip itinerary will be necessary for claim payment.