Our definition of immediate family is quite broad. It's not just family members who reside with you. See the Definitions section of the Description of Coverage for a full listing. In order to provide this package of benefits, certain restrictions do apply. For example, the Plan does not provide duplicate payments if there are other sources of reimbursement available.
Exclusions are standard in virtually every travel insurance product.
Please see the Description of Coverage for a full list of exclusions. Also, this Plan provides coverage for cancellations due to covered reasons such as illness, injury and death to yourself, a traveling companion or an immediate family member as well as specified, non-medical reasons for cancellation. Please see the Description of Coverage for a full list of covered reasons for cancellation. The Backroads Guest Protection Plan does have a pre-existing condition exclusion which is quite liberal. You may have a chronic condition that requires that you take medication and still be covered by the Plan.