Trip Cancellation policy wording for Travelex Insurance Services TraveLite

TRIP CANCELLATION

You are covered for the amount purchased for Published Penalties and unused non-refundable prepaid expenses for Travel Arrangements, whenever You are prevented from taking a Covered Trip for any of the following reasons that occur after the Effective Date of Your Protection Plan:

• Any serious Injury or any unforeseen serious Sickness:

1. occurring to You, Your Business Partner or a Traveling Companion, which is so disabling as to cause a reasonable person to delay, cancel, or interrupt their trip;
2. occurring to Your Family Memberor Traveling Companion's Family Member that is considered life threatening or requiring hospitalization; or
3. occurring to Your Family Member or Traveling Companion's Family Member requiring immediate care. The cause of cancellation must be as the result of medically imposed restrictions as certified by a Legally Qualified Physician at the time of loss preventing Your continued participation in the Covered Trip;

• Your death, the death of Your Family Member, Business Partner or Your Traveling Companion or a Family Member of Your Traveling Companion;
• Unforeseen Bankruptcy or financial Default of a Travel Supplier (other than the travel agency or organization from whom You purchased the Travel Arrangements) which stops service after Your Covered Trip departure or more than 14 days following Your Protection Plan Effective Date. This coverage applies only if it was purchased within 21 days from the date the initial deposit is paid on the Covered Trip;
• An Organized Labor Strike that causes complete cessation of travel services for at least 48 consecutive hours;
• Unforeseen Inclement Weather which causes complete cessation of services of Your Common Carrier for at least 24 hours;
• Employer termination or layoff, through no fault of yours, affecting You or a person(s) sharing the same room. Employment must have been with the same employer for at least three (3) consecutive years;
• A Terrorist Incident in Your city of departure or destination occurring after the policy Effective Date, if You are scheduled to arrive in that city within 30 days following the Terrorist Incident;
• You or Your Traveling Companion being hijacked, quarantined, called for jury duty, or called for a court ordered appearance as a witness (except law enforcement officers) in a legal action in which You or Your Traveling Companion is not a party;
• Residence of You or Your Traveling Companion,including Your Covered Trip destination accommodations, is rendered uninhabitable for unforeseen circumstances;

(continued as printed in your Evidence of Coverage)

GENERAL EXCLUSIONS AND LIMITATIONS

Benefits are not payable for Sickness, Injuries or losses of You, Your Traveling Companion, Business Partner or Family Member:

1. resulting from suicide, attempted suicide, or any intentionally self-inflicted Injury while sane or insane;
2. resulting from hostilities or an act of declared or undeclared war;
3. while participating in maneuvers or training exercises of an armed service;
4. while riding, driving or participating in races, or speed or endurance contests;
5. while mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes or other special equipment);
6. while participating as a member of a team in an organized sporting competition;
7. while participating in skydiving, hang gliding, bungee cord jumping, deep sea diving or scuba diving (unless You hold an open water diving certificate or You are accompanied by a dive master and not diving deeper than 130 feet);
8. while piloting or learning to pilot or acting as a member of the crew of any aircraft;
9. received as a result or consequence of being Intoxicated or under the influence of any controlled substance unless administered on the advice of a Legally Qualified Physician;
10. to which a contributory cause was the commission of or attempt to commit a felony or being engaged in an illegal occupation;
11. resulting from a governmental regulation or prohibition;
12. unless You or Your Traveling Companion are Medically Fit to travel at the time of purchase of coverage;
13. relating to a diagnosed Sickness from which no recovery is expected and for which only palliative treatment is provided and which carries a prognosis of death within 12 months of the policy Effective Date;
14. resulting from non-physical Sickness such as mental, nervous, emotional or personality disorders in any form whatsoever unless the affected person is hospitalized for 3 consecutive days or more after the certificate Effective Date;
15. due to normal childbirth, normal pregnancy (except complications of pregnancy) or voluntarily induced abortion;
16. for dental treatment (except as coverage is otherwise specifically provided herein);
17. where coverage has been purchased for travel to or through a city or country of destination under a travel warning issued by the United States Department of State at the time this insurance is purchased and the Sickness, Injury, death, loss or delay was a direct result of the incidents surrounding the travel warning;
18. resulting from the intentional release of a biological material;
19. where the purpose of travel is for You or Your Traveling Companion to receive medical care, medication or treatment.

Maximum Limit of Liability: All limits are applied per trip. The Company's maximum limit of liability resulting from the same occurrence will be $10,000,000. If the loss for all insureds from such an occurrence exceeds $10,000,000 the Company will pay each Insured that proportion of the benefits stated which $10,000,000 bears to the total loss of all persons insured under all travel and flight insurance in force under this certificate. The Company will pay no more than $1,000,000 per occurrence to or on account of any person insured.

PRE-EXISTING CONDITIONS EXCLUSION
This exclusion applies to Trip Cancellation/Interruption and Emergency Medical Benefits.

The program does not cover losses or expenses if they result from:

1. Any injury to You or Your Traveling Companion, Your Business Partner or Your Family Member occurring prior to and including the Effective Date;
2. Any sickness of You or Your Traveling Companion, Your Business Partner or Your Family Member occurring during the 90 days prior to and including the Effective Date for which treatment by a Legally Qualified Physician has been sought or advised or for which symptoms exist which would cause a prudent person to seek diagnosis, care or treatment.

If You have purchased a program where pre-existing conditions are waived, the Company covers these pre-existing conditions provided:

1. The protection plan was purchased within twenty-one (21) calendar days of the initial Covered Trip payment;
2. On the date of purchase of the protection plan, You were Medically Fit;
3. You had not filed a claim for Trip Cancellation/Interruption due to sickness or injury within 90 days prior to the purchase of the protection plan;
4. You do not have a sickness excluded by General Exclusions "m)" and "n)";
5. The pre-existing condition exclusion applies to all amounts over the Maximum Waiver Amount shown on the Confirmation of Coverage except for Medical Evacuation/Repatriation benefits which are not subject to the Maximum Waiver Amount.

If You do not meet the above criteria, You will still be covered for Trip Cancellation/Interruption and Emergency Medical Benefits caused by reasons other than those related to the pre-existing condition.