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Trip Cancellation and Trip Interruption Benefits Pre-Departure Trip Cancellation:
We will pay a Pre-Departure Trip Cancellation Benefit, up to the amount in the Schedule, if you are prevented from taking your Covered Trip due to your, your Family Member's, or Traveling Companion’s Sickness, Injury, or death that occurs before departure on your Covered Trip. The Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) require the examination and treatment by a Physician, in person, at the time the Covered Trip is canceled; and c) in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Covered Trip.
We will pay a benefit if you are prevented from taking your Covered Trip due to Other Covered Events, as defined, that occur before departure on your Covered Trip.
OTHER COVERED EVENTS means only the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy:
1. Common Carrier delays resulting from inclement weather, or mechanical breakdown of the aircraft, ship or boat or motor coach on which you are scheduled to travel, or organized labor strikes that affect public transportation;
2. arrangements canceled by an airline, cruise line, motor coach company, or tour operator, resulting from inclement weather, mechanical breakdown of the aircraft, ship or boat or motor coach on which the Insured is scheduled to travel, or organized labor strikes that affect public transportation.
3. a change in plans by you, a Family Member traveling with you, or Traveling Companion resulting from one of the following events which occurs while coverage is in effect under this Policy:
e. mandatory evacuation or public official evacuation advisements where there is no mandatory evacuation issued by local government authorities at your destination due to adverse weather or natural disaster. In order to cancel or interrupt your Covered Trip, you must have 4 days or 50% of your total Covered Trip length or less remaining on your Covered In addition, you are eligible for trip cancellation and trip interruption benefits if your Destination or Home is made uninhabitable by a hurricane:
4. an Insured’s or Traveling Companion’s principal place of residence being rendered uninhabitable by burglary, fire, flood, volcano, earthquake, hurricane, or other natural disaster within 10 days of departure;
Click here for more information on the CSA Freestyle plans
Trip Cancellation and Trip Interruption: Benefits will be paid, up to the Maximum Benefit Amount, for the non-refundable, unused portion of the prepaid expenses for land or water Travel Arrangements and the Additional Transportation Cost paid to return home or rejoin the Trip, when You are prevented from completing Your Trip due to:
b. Your or Your Traveling Companion’s principal place of residence or destination being rendered uninhabitable by fire, flood, burglary or other natural disaster within 10 days of departure;
h. Inclement Weather that causes complete cessation of services of Your Common Carrier for at least 12 consecutive hours;
q. mandatory evacuation or public official evacuation advisements where there is no mandatory evacuation issued by local government authorities at Your destination due to adverse weather or natural disaster. In order to cancel Your Trip, You must have 4 days or 50% of Your total Trip length or less remaining on Your Trip at the time the mandatory evacuation ends;
t. a cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 15 days following Your effective date of coverage for the Trip Cancellation Benefits;
A cancellation of your Trip if your arrival on the Trip is delayed and causes you to lose 50% or more of the scheduled Trip duration due to: a) any delay of a Common Carrier (the delay must be certified by the Common Carrier); b) a documented weather condition preventing You from getting to the point of departure; c) quarantine, hijacking, Strike, natural disaster, terrorism or riot.
Global Alert's Trip Cancellation Benefit covers:
A cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 15 days following Your Effective Date of coverage for the Trip Cancellation Benefits;
Click here for more information on the Global Alert plans
TRIP CANCELLATION & TRIP INTERRUPTION
The Company will pay a benefit, up to the maximum shown on the Confirmation of Coverage, if You are prevented from taking or unable to continue Your Covered Trip due to:
(b) You or a Traveling Companion having his/her principal place of residence made uninhabitable by fire, flood or other natural disaster; or burglary of his/her principal place of residence within ten (10) days of departure.
(i) Weather that causes complete cessation of services of Your Common Carrier for at least twenty-four (24) consecutive hours.
(j) A cancellation of Your Covered Trip if Your arrival on the Covered Trip is delayed and causes You to lose 50% or more of the scheduled Covered Trip duration due to a defined Hazard (Trip Cancellation Only).
(m) Natural disaster at the site of Your destination that renders the destination accommodations uninhabitable.
(o) Your or Your Traveling Companion’s company being made unsuitable for business by fire, flood, burglary, vandalism or other natural disaster and You or Your Traveling Companion is responsible for policy and decision making with the company and directly involved as a member of the disaster recovery team. Inclement Weather: means any severe weather condition that delays the scheduled arrival or departure of a Common Carrier.
Click here for more information on the Travelex Select plan or for more information on the Travelex Max plan
Travel Guard Gold and Platinum Certificates say: (note: "other than a hurricane")
"Inclement Weather" means any severe weather condition, other than a hurricane, which delays the scheduled arrival or departure of a Common Carrier or prevents the Insured from reaching his/her Destination when traveling by an Owned or Rented Vehicle.
Travel Guard's hurricane language: "a named hurricane causing cancellation of travel to the Insured's Destination that is Inaccessible or Uninhabitable. The Insurer will only pay benefits for losses occuring within 30 calendar days after the named hurricane makes the Insured's Destination Inaccessible or Uninhabitable. Benefits are not payable if a hurricane is named on or before the effective date of the Insured's Trip Cancellation coverage."
"TRIP CANCELLATION & INTERRUPTION
(d) Inclement Weather causing delay or cancellation of travel;"
For Missed Connection
The Travel Guard Gold and Platinum plans say:
MISSED CONNECTION
If, while on a Trip, the Insured misses a Trip departure resulting from cancellation or delay of 3 or more hours of all regularly scheduled airline flights due to Inclement Weather or Common Carrier caused delay, the Insurer will reimburse the Insured up to the Maximum Limit shown in the Schedule for:
1. additional transportation expenses incurred by the Insured to join the departed Trip;
2. prepaid, non-refundable Trip payments for the unused portion of the Trip.
The Common Carrier must certify the delay of the regularly scheduled airline flight. Coverage is secondary if reimbursable by any other source.
Click here for more information on the Travel Guard Gold and Platinum plans
Trip Cancellation/Trip Interruption: The Insurer will pay a benefit, up to the maximum shown on the Schedule of Coverage and Services, if You are prevented from taking or continuing Your covered Trip due to the following Unforeseen events:
... c) "Weather which causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours"
... k) Natural disaster at the site of Your destination which renders Your destination accommodations uninhabitable
... n) Mandatory evacuation ordered by local authorities at Your destination due to hurricane or other Natural Disaster. You must have 50% or less of Your Trip remaining at the time the mandatory evacuation ends, in order for this benefit to be payable.
The Travel Insured Comprehensive and Gold plans' coverage has this wording: (this isn't just limited to bad weather)
If Your Travel Supplier cancels Your Trip, You are eligible for benefits equal to the amount protected for Your airline tickets or the value of the reissue fee. You must have protected the entire cost of Your Trip including the airfare. (Does not apply to Post Departure Plan).
The Travel Insured Comprehensive and Gold plans' cover you without requiring the "complete cessation of services of Your Common Carrier for at least 24 consecutive hours" if you are forced to evacuate by the authorities. That's because your destination accommodations are considered uninhabitable.
Click here for more information on the Travel Insured plans
A cancellation of your Trip if your arrival on the Trip is delayed and causes you to lose 50% or more of the scheduled Trip duration due to: a) any delay of a Common Carrier (the delay must be certified by the Common Carrier); b) a documented weather condition preventing You from getting to the point of departure; c) quarantine, hijacking, Strike, natural disaster, terrorism or riot.
TravelSafe Classic's Trip Cancellation Benefit covers:
A cancellation of Your Trip within 24 hours of Your Scheduled Departure Date and time if Your Trip destination is under a hurricane warning issued by the NOAA National Hurricane Center, provided the cancellation of Your Trip occurs more than 15 days following Your Effective Date of coverage for the Trip Cancellation Benefits;
Click here for more information on the TravelSafe Classic plan | 
