This does not apply if baggage or sports equipment is delayed after you arrive at your return destination. No benefit will be payable if you do not cancel the insured trip within 48 hours of the cause for cancellation arising. In addition, no benefit will be payable if you receive substitute transportation to the scheduled return destination or to rejoin the trip. Expenses incurred for necessary emergency medical services are covered only if you return to your permanent residence as soon as medically possible. If injury or sickness delays your return to the original departure point for more than 10 days beyond the original return date, no benefits will be paid unless you are confined to a hospital.
Insurance premiums are non-refundable.
This individual certificate is furnished in accordance with and is subject to the provisions, conditions, and limitations of the master policy, which constitutes the entire contract. It replaces any and all certificates which may have been issued to you previously under the Policy. This plan contains disability insurance benefits or health insurance benefits, or both, that only apply during the covered trip. You may have coverage from other sources that already provides you with these benefits. You should review your existing policies.