If a cancellation insurance loss is caused by injury or sickness, benefits will be paid only if cancellation occurs upon the advice of a physician you consult in person. Cancellation insurance settlements are limited to the amount of penalty involved at the time cancellation is first recommended by the physician. No benefit will be payable under Cancellation Insurance if you do not cancel the insured trip within 48 hours of the cause of cancellation arising. In addition, no benefit will be payable if you receive substitute transportation to the scheduled return destination or to rejoin the trip or tour. The benefits provided will be paid only on an excess basis over and above any benefits or services provided for by any other valid or collectible insurance or any other form of indemnity.
Insurance premiums are non-refundable.
Pre-existing medical or related conditions are covered provided that the Insured Person, traveling companion, or immediate family member had not received treatment or required the use of medication for said conditions during the 60 day period preceding the effective date of insurance. Notwithstanding the above, if a supervised condition not requiring treatment was controlled by the consistent use of medication and there was no alteration in the medication, dosage or usage during the 60 day period preceding the effective date of insurance, then such pre-existing condition will be covered. Pre-existing medical conditions are not covered if the condition was present prior to or on the date of departure and would have prevented an ordinarily prudent person from traveling. Failure to comply with these requirements may result in the loss of your right to reimbursement. In the event of trip cancellation, notify your travel agent and CRR without delay.