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CSA | Geo-Blue | Global Alert | HTH Trip Protector 
Travelex Max, Select | Travel Guard Gold | Travel Insured | TravelSafe USA, Canada

The key to travel insurance covering you for a layoff is that it has to be unexpected. If you expect to be laid off, get a “Cancel for Any Reason” plan.

Travel Insurance Coverage If You Are Unexpectedly Laid Off

Travel Insurance can provide coverage for trip cancellation if you are unexpectedly hit by a cement truck and your doctor says you can’t travel. But, what about your work place and employment? What if you are laid off or have an involuntary termination?

You have 2 choices if you are laid off:

  1. Go on your trip because you’ll need a vacation. What’s the likelihood that your new boss will say “Sure, go ahead and take your vacation, even though no one else here is taking a trip” ?
  2. Cancel your vacation because you need the money. Or, even if you could afford the trip, you won’t want to pay for all the spending that will take place on your trip.

Here’s How Our Plans Will Cover You If You Are Unexpectedly Laid Off:

Provider Required Years of Continuous Employment Waiting Period After You Buy Travel Insurance
CSA Freestyle & Freestyle Luxe Plans 1 continuous year 14 days
Global Alert 1 continuous year No waiting period
MH Ross 1 continuous year No waiting period
Travelex Select & Max Plans 3 continuous years No waiting period
Travel Guard Plans 1 continuous year No waiting period
Travel Insured WTP & Plus Plans 1 continuous year No waiting period
TravelSafe 1 continuous year No waiting period

CSA

Pre-Departure Trip Cancellation

We will pay a Pre-Departure Trip Cancellation Benefit, up to the amount in the Schedule, if, for a covered reason that occurs before departure on your Trip and while coverage is in effect, you are prevented from taking your Trip.

12. Your involuntary termination of employment or layoff (or the involuntary termination or layoff of your parent or guardian if you are a minor traveling alone), after continuous employment with the same employer for 1 year or more, provided the termination or layoff occurs 14 days or more after your coverage has taken effect. This benefit is not available to temporary employees, independent contractors, or self-employed persons;

Click here to go to our CSA detailed description page

Click here to go to CSA Freestyle’s secure online order page or click here to go to CSA Freestyle Luxe’s secure online order page


Global Alert

Pre-Departure Trip Cancellation

We will pay a Pre-Departure Trip Cancellation Benefit, up to the amount in the Schedule, if, for a covered reason that occurs before departure on your Trip and while coverage is in effect, you are prevented from taking your Trip.

Covered reasons for Pre-Departure Trip Cancellation are:

… or 3) for Other Covered Events, as defined.

“Other Covered Events” means only the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy:

4. a change in plans by you, an Immediate 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:

i) Involuntary employer termination or layoff affecting You or a person(s) sharing the same room with You during Your Trip. Employment must have been with the same employer for at least 1 continuous year; This provision is not applicable to temporary employment, independent contractors or self-employed persons;


MH Ross

Pre-Departure Trip Cancellation

We will pay a Pre-Departure Trip Cancellation Benefit, up to the amount in the Schedule, if, for a covered reason that occurs before departure on your Trip and while coverage is in effect, you are prevented from taking your Trip.

Covered reasons for Pre-Departure Trip Cancellation are:

… or 3) for Other Covered Events, as defined.

“Other Covered Events” means only the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy:

4. a change in plans by you, an Immediate 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:

i) Involuntary employer termination or layoff affecting You or a person(s) sharing the same room with You during Your Trip. Employment must have been with the same employer for at least 1 continuous year; This provision is not applicable to temporary employment, independent contractors or self-employed persons;

Click here to go to our MH Ross detailed description page

Click here to go to MH Ross’s secure online order page


Travelex Select & Travelex Max

Here’s what the Travelex Certificate of Coverage says:

TRIP CANCELLATION

The Company will pay a benefit, up to the maximum shown on the Confirmation of Coverage, if You are prevented from taking or unable to continue Your Covered Trip due to:

(g) You are terminated, or laid off from employment subject to three (3) years of continuous employment at the place of employment where terminated.

Click here to go to the Travelex Select’s or the Travelex Max’s detailed description page

Click here for the Travelex Select’s secure online order page. Click here for the Travelex Max’s secure online order page


Travel Guard

TRIP CANCELLATION AND INTERRUPTION

The Insurer will pay a benefit, up to the Maximum Limit shown on the Schedule, if an Insured cancels his/her Trip or is unable to continue on his/her Trip due to the following Unforeseen events:

(n) the Insured or Traveling Companion is involuntarily terminated or laid off through no fault of his or her own, provided that he or she has been an active employee for the same employer for at least one year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, independent contractors or selfemployed persons.

Click here to go to our Travel Guard detailed description page

Click here for the Gold secure online order page


Travel Insured

Trip Cancellation/Trip Interruption:
The Insurer will pay a benefit, up to the maximum shown on the Schedule of Coverage and Services, if You are prevented from taking or continuing Your Trip due to the following Unforeseen events

j) involuntary employer termination or layoff of You or a Traveling Companion. Employment must have been with the same employer for at least 1 continuous year;

Click here to go to our Travel Insured detailed description page

Click here to go to Travel Insured’s secure online order page


TravelSafe Vacation Classic

Pre-Departure Trip Cancellation

We will pay a Pre-Departure Trip Cancellation Benefit, up to the amount in the Schedule, if, for a covered reason that occurs before departure on your Trip and while coverage is in effect, you are prevented from taking your Trip.

Covered reasons for Pre-Departure Trip Cancellation are:

… or 3) for Other Covered Events, as defined.

“Other Covered Events” means only the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy:

4. a change in plans by you, an Immediate 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:

i) Involuntary employer termination or layoff affecting You or a person(s) sharing the same room with You during Your Trip. Employment must have been with the same employer for at least 1 continuous year; This provision is not applicable to temporary employment, independent contractors or self-employed persons;

Click here to go to our TravelSafe detailed description page

Click here to go to TravelSafe’s secure online order page


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