The definition of a Family Member or Traveling Companion is important because all our plans let you cancel or interrupt your trip should they get sick or injured.
Who is Defined As Your Family Member or Traveling Companion?
A Family Member usually means your spouse or domestic partner, child, spouse’s child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-brother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, guardian, ward.
Be sure to check each insurance provider’s exact definition of a Family Member. A good rule of thumb is: “Family members are related by blood or marriage“.
On the other hand, Traveling Companions are “related” by their travel arrangements. In other words, they are people traveling together.
A common Traveling Companion definition is “a person or persons whose name(s) appear(s) with Yours on the same Travel Arrangements and who, during Your Trip, will accompany You.”
A group or tour organizer, sponsor or leader is not a Traveling Companion as defined, “unless sharing accommodations in the same room, cabin, condominium unit, apartment unit or other lodging with You.”
Where do Business Partners fit in? Some companies consider a business partner to be equal to a Family Member. However, their definitions are very specific: an individual who is involved in a legal partnership and shares in the management of the business. Note the wording “a legal partnership” – this means a General Partnership. Not an LLC, not an LLP, not a C-Corporation, not a S-Corporation, not a Sole Proprietorship.
Important: Just so it’s as clear as I can make it, the only way you could possibly be covered for a trip cancellation or trip interruption involving a “Business Partner” is if you are all part of a Legal General Partnership. Trust me (Steve Dasseos) when I say there aren’t very many Legal General Partnerships out there, so the likelihood of using this benefit is reduced.
PPS - Even though TripInsuranceStore.com is the world's most informative travel insurance website, you are still responsible to know the coverage terms, conditions, limitations, and exclusions of your plan. No comments or explanations confirm or deny coverage. You need to refer to each plan's policy wording.
PPPS - The Trip Cancellation coverage begins at 12:01 a.m. on the day after the date the policy is purchased. All other coverages begin when you leave home for your trip when your departure date is in the future.
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