Reasons for Trip Cancellation and Trip Interruption

Please Note: Each of our Worldwide Trip Protector plans include the Trip Cancellation and Trip Interruption coverage described below. You can view a more complete comparison of coverage with our Plan Comparison and Benefit Explanations. The Annual Multi-Trip Protector offers Trip Cancellation and Trip Interruption as optional add-ons for each trip you take.

Covered Reasons for Trip Cancellation
	Worldwide Trip Protector Platinum	Worldwide Trip Protector Deluxe	Worldwide Trip Protector Essential	Worldwide Trip Protector Cruise
Sickness or Injury	✓	✓	✓	✓
Death	✓	✓	✓	✓
Complications of Pregnancy	✓	✓	✓	✓
Normal Pregnancy or Childbirth	✓	✓	✕	✓
Attending Childbirth	✓	✕	✕	✓
Mental, Nervous, or Psychological Condition	✓ Trip Cancellation reason only	✓ Trip Cancellation reason only	✓ Trip Cancellation reason only	✓ Trip Cancellation reason only
Financial Insolvency/Default	✓	✓	✕	✓
Traffic Accident en Route to Departure	✓	✓	✓	✓
Destination Evacuation	✓	✓	✕	✓
Strike	✓	✓	✓	✓
Inclement Weather	✓	✓	✓	✓
Home or Destination Uninhabitable	✓	✓	✓	✓
NOAA Hurricane Warning at Destination	✓	✓	✕	✓
Divorce or Legal Separation	✓ Trip Cancellation reason only	✓ Trip Cancellation reason only	✕	✓ Trip Cancellation reason only
Hijack or Quarantine	✓	✓	✓	✓
Jury Duty, Subpoena, or Court Order	✓	✓	✓	✓
Military Duty for Natural Disaster	✓	✓	✓	✓
Military Leave Revocation	✓	✓	✓	✓
Host Unable to Provide Accommodations	✓	✓	✓	✓
Terrorist Incident	✓	✓	✓	✓
Theft of Passports/Visas	✓	✓	✓	✓
Travel Alert Warning	✓	✓	✕	✓
Transfer of Employment	✓	✕	✕	✓
Employer Termination	✓	✓	✓	✓
School Year Extension	✓ Trip Cancellation reason only	✕	✕	✓ Trip Cancellation reason only
Required to Work	✓	✕	✕	✓
Employer Merger/Acquisition	✓	✕	✕	✓
Place of Employment Unsuitable for Business	✓	✕	✕	✓
Child Adoption	✓	✕	✕	✓
Issues Obtaining Visa/Passport	✓ Trip Cancellation reason only	✕	✕	✓ Trip Cancellation reason only
Destination Wedding	✓	✕	✕	✓
Trip Extension due to Sickness/Injury	✓ Trip Interruption reason only	✕	✕	✓ Trip Interruption reason only
Hospitalization of Travel Companion	✓ Trip Interruption reason only	✕	✕	✓ Trip Interruption reason only
Insufficient/Excessive Water Levels	✓ With purchase of Optional Cruise Bundle	✓ With purchase of Optional Cruise Bundle	✓ With purchase of Optional Cruise Bundle	✓
Mechanical Breakdown	✓ With purchase of Optional Flight Bundle	✓ With purchase of Optional Flight Bundle	✓ With purchase of Optional Flight Bundle	✓ With purchase of Optional Flight Bundle
Mandated Shutdown of Air Travel by Local Authorities	✓ With purchase of Optional Flight Bundle	✓ With purchase of Optional Flight Bundle	✓ With purchase of Optional Flight Bundle	✓ With purchase of Optional Flight Bundle
Shutdown of Air Travel Due to Fire/Power Outage	✓ With purchase of Optional Flight Bundle	✓ With purchase of Optional Flight Bundle	✓ With purchase of Optional Flight Bundle	✓ With purchase of Optional Flight Bundle
Pet Medical Reasons	✓ With purchase of Optional Pet Bundle	✓ With purchase of Optional Pet Bundle	✓ With purchase of Optional Pet Bundle	✓ With purchase of Optional Pet Bundle

Additional terms apply to every benefit and covered reason.

Trip Cancellation vs. Trip Interruption

Trip Cancellation applies after you purchase your plan but before departure. Trip Interruption applies after departure (or if you must join your trip after your scheduled departure date). The covered reasons for Trip Cancellation and Trip Interruption mary vary from each other. Please read the plan document for details.

Covered Costs for Trip Cancellation

unused and forfeited prepaid, non-refundable trip costs
cancellation penalties
higher per-person trip costs for you if your travel companion cancels for a covered reason (single supplement)

Covered Costs for Trip Interruption

unused, prepaid, nonrefundable trip costs
additional transportation costs to join, rejoin, or transport you to your originally scheduled return destination of you trip
coverage up to 150% of trip cost (up to 100% for the Essential plan)

Trip Delay, Missed Connection, and Itinerary Change

Trip Delay, Missed Connection and Itinerary Change are offered in our plans as benefits separate from Trip Cancellation and Trip Interruption.

Coverage and benefit eligibility may vary by state.

USAA means United Services Automobile Association and its affiliates.

Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

The USAA Perks program is provided through USAA Alliance Services LLC, a wholly owned subsidiary of USAA. USAA Alliance Services contracts with companies not affiliated with USAA to offer their products and services to members and customers. USAA Alliance Services receives compensation from these companies based on the sale of these products or services. When you purchase a product or service from one of these companies, that company is responsible for protecting your data and its processes and procedures may differ from those of USAA. These companies have sole financial responsibility for their products and services.

The trademarks, logos and names of other companies, products and services are the property of their respective owners.
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This website contains highlights of the plans developed by Travel Insured International, which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401 et al, and non-insurance Travel Assistance Services provided by C&F Services and Blue Ribbon Bags (on select plans only). The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions including an exclusion for pre-existing medical conditions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number is 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Travel Insured International. P.O. Box 6503, Glastonbury, CT 06033; 877-771-1189; [email protected]; California license #0I13223. While Travel Insured International markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by Travel Insured and Travel Insured does not receive compensation from USF for providing the non-insurance components of the plans.

Covered Reasons for Trip Cancellation

Worldwide Trip ProtectorPlatinum

Worldwide Trip ProtectorDeluxe

Worldwide Trip ProtectorEssential

Worldwide Trip ProtectorCruise

Sickness or Injury

Death

Complications of Pregnancy

Normal Pregnancy or Childbirth

Attending Childbirth

Mental, Nervous, or Psychological Condition

Financial Insolvency/Default

Traffic Accident en Route to Departure

Destination Evacuation

Strike

Inclement Weather

Home or Destination Uninhabitable

NOAA Hurricane Warning at Destination

Divorce or Legal Separation

Hijack or Quarantine

Jury Duty, Subpoena, or Court Order

Military Duty for Natural Disaster

Military Leave Revocation

Host Unable to Provide Accommodations

Terrorist Incident

Theft of Passports/Visas

Travel Alert Warning

Transfer of Employment

Employer Termination

School Year Extension

Required to Work

Employer Merger/Acquisition

Place of Employment Unsuitable for Business

Child Adoption

Issues Obtaining Visa/Passport

Destination Wedding

Trip Extension due to Sickness/Injury

Hospitalization of Travel Companion

Insufficient/Excessive Water Levels

Mechanical Breakdown

Mandated Shutdown of Air Travel by Local Authorities

Shutdown of Air Travel Due to Fire/Power Outage

Pet Medical Reasons

Trip Cancellation vs. Trip Interruption

Covered Costs for Trip Cancellation

Covered Costs for Trip Interruption

Trip Delay, Missed Connection, and Itinerary Change

Worldwide Trip Protector
Platinum

Worldwide Trip Protector
Deluxe

Worldwide Trip Protector
Essential

Worldwide Trip Protector
Cruise