Event Cancellation Benefit: We will reimburse the full Forfeited Event Cost up to the maximum Limit shown in the Schedule of Benefits, if the Insured cannot attend the Event due to any of the Unforeseen events shown below.

Event Interruption Benefit: We will reimburse the pro-rated Forfeited Event Cost up to the maximum Limit Shown in the Schedule of Benefits, if the insured’s attendance of the Event is discontinued after the Start Date and the insured cannot attend a minimum of twenty-five percent (25%) of the Event Due to any of the Unforeseen events shown below.

Covered Causes:

Loss of life of the insured or an Immediate Family Member;
Injury or Sickness of an Insured which is so disabling as to reasonably prevent the Insured from attending the Event or which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Insured’s completion of the Event;
Injury or Sickness of the Insured’s Immediate Family Member when the Injury or Sickness is considered life threatening, requires hospitalization;
the Insured’s, or parent’s or legal guardian’s if the Insured is a Child, Primary Residence being made Uninhabitable or inaccessible by Natural Disaster; vandalism, or burglary;
the Insured, or parent or legal guardian if the Insured is a Child, has an involuntary employer-initiated permanent transfer within the same organization of 250 or more kilometers which requires the Insured’s Primary Residence to be relocated provided that the employee has been an active employee with the same employer for at least 5 continuous years. Notification of the transfer must occur after the Effective Date and the transfer must occur within 30 days of the Start Date;
the Insured, or parent or legal guardian if the Insured is a Child, becomes legally separated or divorced after the Effective Date which results in relocation of the Insured’s Primary Residence of 250 or more kilometers. Cancellation must occur within 21 days of the legal separation or divorce.