1. Injury, sickness, or death of you, a family member, or traveling companion; or
2. Other Covered Events

Injury or sickness must: 1) for pre-departure trip cancellation, commence while this policy is in force for you, or for post-departure trip interruption or delay, commence while on your trip; 2) require the care and attendance of a physician at the time of occurrence; and 3) in the written opinion of the treating physician, be so disabling as to cause a trip to be canceled, interrupted or delayed.

Other Covered Events means the following unforeseeable events or their consequences while coverage is in force under this agreement:

1. Air Carrier delays or cancellations resulting from bad weather, mechanical breakdown or organized labor strikes that affect public transportation.
2. A change in plans by you, a family member traveling with you, or traveling companion, resulting from one of the following events:
   1. Being directly involved in a documented traffic accident while en route to departure;
   2. Being required to serve on a jury or required by a court order to appear as a witness in a legal action;
   3. Having a residence made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;
   4. Being called into active military service to provide aid or relief in the event of a natural disaster;
   5. A documented theft of passports or visas;
   6. A Terrorist act which occurs in your departure city or in a city which is a scheduled destination for your trip, and/or the government raising the terrorist threat level to Code Red, provided either occurs within 30 days of the scheduled departure date of your trip;
   7. Travel restrictions imposed by a governmental authority that prevent you from reaching your accommodations.

Late arrivals and early departures due to Covered Events will receive repayment only for the dates the guests were unable to utilize the lodging property.

• Any unforeseeable sickness, death or injury resulting from intentionally inflicted harm; normal pregnancy or childbirth; participation in professional sports events; motor sports racing or practicing; mountain climbing; acts of war; military duty; operation or learning to operate an aircraft; hot air ballooning (or similar air-supported activity); any unlawful acts; civil disorder; nuclear radiation; mental, psychological or nervous disorders; alcohol or substance abuse.
• Financial circumstances of the primary guest, family member, or traveling companion of the primary guest.
• Any contractual or business obligations of primary guest, family member, or traveling companion of the primary guest.