SafeTreker

Plan Definitions

• Trip Cancellation & Interruption

  Provides reimbursement of insured, non-refundable, pre-paid trip costs if a trip is cancelled or interrupted for a covered reason*.

• Trip Delay

  Coverage if You are delayed, while coverage is in effect, en route to or from the Trip for six (6) or more hours due to a covered reason* Covered Trip Delay Expenses include: (a) Any pre-paid, unused, non-refundable land and water accommodations; (b) Any Reasonable Expenses incurred; (c) An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip; (d) A one-way Economy Fare to return You to Your originally scheduled return destination trip is delayed for a covered reason*.

• Baggage Coverage

  Provides reimbursement for lost and stolen personal items, as well as costs incurred due to baggage delay.

• Bodily Contact Sports

  Any competitive team sport in which players or participants may have direct physical contact with an opponent. Bodily Contact Sports include but are not limited to: football, soccer, baseball, wrestling, ice hockey, rugby and lacrosse. Bodily Contact Sports do not include Extreme Sports, Interscholastic Sports, Organized Sports or Mountaineering.

• Interscholastic Sports

  Any athletic contest or competition between accredited educational institutions if the participants are sponsored by the educational institution and are under the direct and immediate supervision of an employee of the educational institution. Interscholastic Sports includes the practice or training for the competition and the travel to or from such practice or competition in a vehicle designated by the educational institution, both while under the direct and immediate supervision of an employee of the educational institution. Interscholastic Sports do not include Bodily Contact Sports, Extreme Sports, Intramural Sports, club sports or Mountaineering.

• Extreme Sports

  Any high-risk non-team sport or recreation activity that is dangerous and if performed optimally, even by the highly skilled, risks loss of life or limb. Extreme Sports often involve speed, height, a high level of physical exertion and/or highly specialized gear. Extreme Sports include but are not limited to: skydiving, BASE jumping, hang gliding, Parachuting, bungee jumping, caving, rappelling, spelunking, white or black water rafting above Grade 3, Skiing or snowboarding outside marked trails or in an area accessed by helicopter, Rock Climbing, any high‐altitude activity, personal combat or fighting sports, rodeo, racing or practicing to race any motorized vehicle, bicycle or watercraft, free diving, and scuba diving at a depth greater than sixty (60) feet or without a dive master. Extreme Sports do not include Bodily Contact Sports, Interscholastic Sports, Organized Sports or Mountaineering.

• Ski or Skiing

  Winter recreation of snow skiing, snowboarding, or telemarking on Trail systems as accessed by a pre-paid use ticket for lifts and/or use or admission, but does not include cross country skiing, back country skiing, heli-skiing, extreme skiing, snowcat skiing, ski-jumping, off-piste skiing, tubing, luging, half-pipes, terrain parks, or other snow play activities either on or off Trails.

• Mountaineering

  The sport, hobby or profession of walking, hiking, climbing and Rock Climbing up mountains that requires the use of ropes, harnesses, crampons or ice axes, or involves ascending beyond an altitude of four thousand five hundred (4,500) meters. Mountaineering is not a Bodily Contact Sport, Extreme Sport, Organized Sport or Interscholastic Sport.

• Rock Climbing

  The activity of climbing up, down or across artificial rock walls or natural rock formations under the supervision of a guide and utilizing approved safety equipment.

• CANCELLATION FOR REFUND DURING FREE LOOK PERIOD

  You may cancel this plan for refund by giving notice of cancellation to us, during the free look period. Most states have a 10 day free look period beginning the date the policy was purchased, but the State Certificate ultimately determines the timeframe of the free look period, if any.