8 Day Brazil & Argentina Gold Program

TRIP CANCELLATION/TRIP INTERRUPTION: Benefits will be paid up to the Maximum Benefit Amount purchased to cover You for the Published Penalties and unused non-refundable prepaid expenses for Travel Arrangements as well as airfare cancellation charges for flights commencing within one week of the Covered Trip when You are prevented from taking or completing Your Covered Trip due to: 1. Death involving You or Your Traveling Companion or Your or Your Traveling Companion’s Business Partner or Your or Your Traveling Companion’s Family Member; 2. A covered Sickness or Injury involving You, Your Traveling Companion or Business Partner, Your Family Member or Your Traveling Companion’s Family Member which necessitates Medical Treatment at the time of cancellation and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents Your participation in the Covered Trip; 3. You or Your Traveling Companion being hijacked, quarantined, required to serve on a jury (notice of jury duty must be received after the Effective Date) served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion is not a party (except law enforcement officers); 4. You or Your Traveling Companion’s principal place of residence being rendered uninhabitable by fire or flood or burglary of primary residence within 10 days of departure; 5. You or Your Traveling Companion being directly involved in a traffic accident, which must be substantiated by a police report, while en route to an Insured’s scheduled point of departure; 6. Unannounced strike that causes complete cessation of services of Your Common Carrier for at least 48 consecutive hours; 7. Weather that causes complete cessation of services of Your Common Carrier for at least 48 consecutive hours; 8. Felonious Assault on You or on Your Traveling Companion within 10 days of the scheduled Departure Date; 9. You or Your Traveling Companion or Your Family Member is in the military and called to emergency duty for a national disaster; 10. Revocation of Your, Your Traveling Companion’s or Your Family Member’s previously granted leave or re-assignment. Official written revocation/reassignment by a supervisor or commanding officer of the appropriate branch of service will be required; 11. Employer termination or layoff affecting You or a person(s) sharing the same room with You during Your Covered Trip. Employment must have been with the same employer for at least 3 continuous years; 12. A Terrorist Incident that occurs in a city listed on the itinerary of Your Covered Trip and within 30 days prior to Your Scheduled Departure Date. The Terrorist Incident must occur after the Effective Date of Your Trip Cancellation Coverage. You must purchase Your plan within 10 days of Your initial Trip deposit; 13. Your family or friends with whom You were planning to stay are unable to provide accommodations due to life threatening illness, life threatening injury or death of one of them. CANCELLATION FEES (All tours): written notice of cancellation must be received by PDT either by mail, fax, or e-mail. Oral  cancellation by phone will not be accepted. 75+ days before departure......................................................US $300.00 per person* 74-30 days before departure..................................................US $400.00 per person* 29-16 days before departure..................................................US $500.00 per person* 15 days before departure through day of departure................................................. ......................................................................................................................................100% penalty *Plus any additional charges assessed by land suppliers or airlines.