Here's what Travelex defines as your Family Member, Business Partner or Traveling Companion:
To qualify for the "Children under 16 are covered at no additional cost (except for optional plan add-ons) when accompanied by a covered adult", the children must be a Family Member to the primary insured.
"Family Member" means Your: legal spouse or common-law spouse (where legal), legal guardian, legal 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), great-grandparent, grandchild, great-grandchild, aunt, uncle, niece, nephew or Key Person, provided the Family Member resides in the United States, Canada or Mexico.
Here's some other helpful information pertaining to Travelex's trip cancellation & trip interruption coverages:
TRIP CANCELLATION/TRIP INTERRUPTION
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, 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 Member that is considered life threatening or requiring hospitalization; or
3) occurring to Your Family Member requiring Your 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;
Note this important policy wording under Travelex's Trip Cancellation / Trip Interruption coverage for Any serious Injury or any unforeseen serious Sickness:
"3) occurring to Your Family Member requiring Your immediate care".
The important phrase is "requiring Your immediate care". This means that if you're taking a trip and your grandmother gets sick or injured, you'll only have a valid claim if you are the person responsible to take care of her.
"Business Partner" means an individual who: a) is involved in a legal general partnership with You; and b) is actively involved in the day-to-day management of Your business.
"Key Person" means a) an employed caregiver of a legal dependent of You or b) a person to whom You are not married and with whom You have cohabited for 12 continuous months.
"Traveling Companion" means a person or persons with whom You have coordinated Travel Arrangements and intend to travel with during the Covered Trip (to a maximum of four persons including You). Note: a group or tour leader is not considered a Traveling Companion, unless You are sharing room accommodations with the group or tour leader.
Want the right travel insurance plan for your trip? Make one easy toll free phone call to Steve, Tara, Deanna, Becky, Teresa or Mary at 1-888-407-3854 (US & Canada) or 507-214-3854. 8 am - 10 pm Eastern time. Fast service.
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