Accident means a sudden, unexpected, unintended and external event, which causes Injury.

Common Carrier means any land, water or air conveyance operated under a license for the transportation of passengers for hire, not including taxicabs or rented, leased or privately owned motor vehicles.

Covered Trip means a period of round-trip travel away from Home to a destination outside your city of residence; the purpose of the trip is business or pleasure and is not to obtain health care or treatment of any kind; the trip has defined departure and return dates specified when the protected enrolls; the trip does not exceed 105 days.

Domestic Partner means a person who is at least 18 years of age and you can show: (1) Evidence of financial interdependence, such as joint bank accounts or credit cars, jointly owned property, and mutual life insurance or pension beneficiary designations; (2) Evidence of cohabitation for at least the previous 6 months, and (3) An affidavit of domestic partnership if recognized by the jurisdiction within which they reside.

Elective Treatment and Procedures means any medical treatment or surgical procedure that is not medically necessary including any service, treatment, or supplies that were deemed by the federal, or a state or local government authority or by us to be research or experimental or that is not recognized as a generally accepted medical practice.

Family Member includes your or the Traveling Companion's dependent, spouse, child, spouse's child, son-in-law, daughter-in-law, parent(s), sibling(s), brother, sister, grandparent(s), grandchild, step-brother, step-sister, step-parent(s), parent(s)-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, guardian, Domestic Partner, foster child, or ward.

Financial Insolvency means the total cessation or complete suspension of operations due to insolvency, with or without the filing of a bankruptcy petition, or the total cessation or complete suspension of operations following the filing of a bankruptcy petition, whether voluntary or involuntary, by a tour operator, cruise line, airline or other supplier of travel services which is duly licensed in the state(s) of operation other than the organization, agency or firm from whom you directly purchased or paid for your Covered Trip.

Home means your primary or secondary residence.

Hospital means an institution which meets all of the following requirements: (1) It must be operated according to law; (2) It must give 24-hour medical care, diagnosis and treatment to the sick or injured on an inpatient basis; (3) It must provide diagnostic and surgical facilities supervised by Physicians; (4) Registered nurses must be on 24-hour call or duty; and (5) The care must be given either on the hospital's premises or in facilities available to the hospital on a pre-arranged basis. A Hospital is not: a rest, convalescent, extended-care, rehabilitation or other nursing facility; a facility which primarily treats mental illness, alcoholism, or drug addition (or any ward, wing or other section of the hospital used for such purposes); or a facility which provides hospice care (or wing, ward or other section of a hospital used for such purposes).

Injury means bodily harm caused by an Accident which: (1) Occurs while your coverage is in effect under the Policy; and (2) Requires the examination and treatment by a Physician. The Injury must be the direct cause of loss and must be independent of all other causes and must not be caused by, or result from, Sickness.

Other Covered Events means only the following unforeseeable events or their consequences, which occur while coverage is in effect under this Policy: (1) Adverse weather or natural disaster resulting in the obstruction of public roadways, or curtailment of public transportation, which prevents your ability to arrive at your destination. (2) A change in plans, by you, a Family Member traveling with you, or Traveling Companion resulting from one of the following events which occurs while coverage is in effect under this Policy: (a) Being directly involved in a documented traffic accident while en route to departure; (b) Being hijacked, quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, a Family Member traveling with you or a Traveling Companion is not a party to the legal action or appearing as a law enforcement officer; (c) Your Home made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster; (d) Being called into active military service to provide aid or relief in the event of a natural disaster; (e) A documented theft of passports or visas; (f) A Terrorist Act which occurs in your departure city or in a city which is a scheduled destination for your Covered Trip provided the Terrorist Act occurs within 30 days of the Scheduled Departure Date for your Covered Trip; (g) A cancellation of your Covered Trip if your arrival on the Covered Trip is delayed and causes you to lose 50% or more of the scheduled Covered Trip duration due to the reasons covered under the Travel Delay Benefit.

Other Valid and Collectible Group Insurance means any group policy or contract which provides for payment of medical expenses incurred because of Physician, nurse, dental, or Hospital care or treatment; or the performance of surgery or administration of anesthesia. The policy or contract providing such benefits includes group or blanket insurance policies; service plan contracts; employee benefit plans; or any plan arranged through an employer, labor union, employee benefit association or trustee; or any group plan created or administered by the federal or a state or local government or its agencies. In the event any other group plan provides for benefits in the form of services in lieu of monetary payment, the usual and customary value of each service rendered will be considered a Covered Expense.

Physician means a person licensed as a medical doctor by the jurisdiction in which he/she is resident to practice the healing arts. He/she must be practicing within the scope of his/her license for the service or treatment given and may not be you, a Traveling Companion, or a Family Member of yours.

Policy means the contract issued to the Policyholder providing the benefits specified herein.

Pre-Existing Condition means an illness, disease, or other condition during the 60-day period immediately prior to your effective date for which you or your Traveling Companion, Domestic Partner or Family Member scheduled or booked to travel with you: (1) Received, or received a recommendation for a diagnostic test, examination, or medical treatment; or (2) Took or received a prescription for drugs or medicine. Item 2 does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60-day period before coverage is effective under this Policy.

Protected means an eligible person who arranges a Covered Trip and pays any required premium.

Scheduled Departure Date means the date on which you are originally scheduled to leave on your Covered Trip.

Scheduled Return Date means the date on which you are originally scheduled to return to the point where the Covered Trip started or to a different final destination.

Sickness means an illness or disease of the body which: requires examination and treatment by a Physician, and commences while the protection is in effect.

Terrorist Act means an act of violence, other than civil disorder or riot, (that is not an act of war, declared or undeclared) that results in loss of life or major damage to property, by any organization which is generally recognized as having the intent to overthrow or influence the control of any government.

Traveling Companion means a person whose name(s) appear(s) with you on the same Covered Trip arrangement and who, during the Covered Trip, will accompany you.

Usual and Customary Charge means those charges for necessary treatment and services that are reasonable for the treatment of cases of comparable severity and nature. This will be derived from the mean charge based on the experience in a related area of the service delivered and the Medical Data Research schedule of fees valued at the 100th percentile.