Here's what Travelex defines as your Family Member, Business Partner or Traveling Companion:
To qualify for the "Children under 16 are covered at no additional cost (except for optional plan add-ons) when accompanied by a covered adult", the children must be a Family Member to the primary insured.
"Family Member" means Your: legal spouse or common-law spouse (where legal), legal guardian, legal ward, son or daughter (adopted, foster, step or in-law), brother or sister (includes step or in-law), parent (includes step or in-law), grandparent (includes in-law), great-grandparent, grandchild, great-grandchild, aunt, uncle, niece, nephew or Key Person, provided the Family Member resides in the United States, Canada or Mexico.
Here's some other helpful information pertaining to Travelex's trip cancellation & trip interruption coverages:
TRIP CANCELLATION/TRIP INTERRUPTION
You are covered for the amount purchased for Published Penalties and unused non-refundable prepaid expenses for Travel Arrangements, whenever You are prevented from taking a Covered Trip for any of the following reasons that occur after the Effective Date of Your Protection Plan:
- Any serious Injury or any unforeseen serious Sickness:
1) occurring to You, Your Business Partner, a Traveling Companion which is so disabling as to cause a reasonable person to delay, cancel, or interrupt their trip;
2) occurring to Your Family Member that is considered life threatening or requiring hospitalization; or
3) occurring to Your Family Member requiring Your immediate care. The cause of cancellation must be as the result of medically imposed restrictions as certified by a Legally Qualified Physician at the time of loss preventing Your continued participation in the Covered Trip;
- Your death, the death of Your Family Member, Business Partner or Your Traveling Companion;
Note this important policy wording under Travelex's Trip Cancellation / Trip Interruption coverage for Any serious Injury or any unforeseen serious Sickness:
"3) occurring to Your Family Member requiring Your immediate care".
The important phrase is "requiring Your immediate care". This means that if you're taking a trip and your grandmother gets sick or injured, you'll only have a valid claim if you are the person responsible to take care of her.
"Business Partner" means an individual who: a) is involved in a legal general partnership with You; and b) is actively involved in the day-to-day management of Your business.
"Key Person" means a) an employed caregiver of a legal dependent of You or b) a person to whom You are not married and with whom You have cohabited for 12 continuous months.
"Traveling Companion" means a person or persons with whom You have coordinated Travel Arrangements and intend to travel with during the Covered Trip (to a maximum of four persons including You). Note: a group or tour leader is not considered a Traveling Companion, unless You are sharing room accommodations with the group or tour leader.
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