WHEN YOUR COVERAGE BEGINS
(a) coverage has been elected; and
(b) the required premium has been paid.
All coverage (except Trip Cancellation and Trip Cancellation For Any Reason) will begin at 12:01 A.M. local time at Your location on the Scheduled Departure Date. If coverage is purchased on the Scheduled Departure Date, such coverage will take effect at 12:01 A.M. local time, at Your location, on the day after the Scheduled Departure Date. No coverage can be purchased after a person departs on a trip.
Trip Cancellation and Trip Cancellation For Any Reason coverage will begin on Your Effective Date.
WHEN YOUR COVERAGE ENDS
Your coverage will end at 11:59 P.M. local time on the date that is the earliest of the following:
(a) the date the Policy is terminated;
(b) the Scheduled Return Date as stated on the travel tickets;
(c) the date You return to Your origination point if prior to the Scheduled Return Date;
(d) the date You leave or change the Trip (unless due to Unforeseen and unavoidable circumstances covered by the Policy);
(e) if You extend the return date, coverage will terminate at 11:59 P.M., local time, at Your location on the Scheduled
Return Date, unless otherwise authorized by the Company in advance of the Scheduled Return Date;
(f) the date Your Trip is cancelled;
(g) when Your Trip exceeds ninety (90) days.
***Benefits vary per state. Click the Certificate of Coverage link below and go to your state of residence to download a detailed Certificate of Coverage