Trip Delay
Overview
Don't get stuck paying money out of your pocket for a hotel, food or travel expenses, if your trip has been delayed. If your trip has been delayed due to one of the covered reasons you will be reimbursed up to $500 per trip.
- If during the Coverage Period, You are traveling by Common Carrier while on a Trip and are Delayed more than twelve (12) hours while traveling to a Destination or Return Destination, We will reimburse You for Travel Expenses as a result of the Delay.
Coverage is limited to the following:
· $500 per any twelve (12) month period.
· Food and lodging expenses are limited to $100 per day, payable for up to five (5) days.
· Economy Ticket for Your Return Destination is limited to $300.
Description
Throughout this document, “You” and “Your” refer to the person who is a member in good standing in 4U Benefits as defined by the terms and conditions for 4U Benefits. Membership must not have expired or been canceled by You or 4U Benefits. “We”, “Us”, and “VSC” refer to Virginia Surety Company, Inc. In addition, when in bold certain words and phrases are defined as follows:
Administrator meanscynoSure Financial, Inc. You may contact the Administrator if You have questions regarding this coverage or would like to make a claim. The Administrator can be reached by phone at 1-800-711-4280.
Common Carrier means an air, land, or water motorized transportation carrier operating under a regularly published schedule and current license as required by law for the conveyance of passengers. Common Carrier does not include helicopters, taxis, rental cars, hired cars, and private and contract carriers.
Coverage Period means the period starting on the Membership Effective Date. Coverage will continue for one (1) year. Coverage will continue concurrently with You being a member in good standing. (Good standing is defined by the terms and conditions for 4U Benefits.) Coverage will stop on the date You or 4U Benefits cancel Your membership in 4U Benefits.
Delay means an incident that prevents You from leaving on a scheduled departure by the Common Carrier due to: a) Inclement Weather; b) Equipment failure of a Common Carrier (documented by the Common Carrier); or c) Lost or stolen passport or travel documents. Delays due to: war, acts of foreign enemies, hostilities between nations (whether declared or not), civil war, or any other reason not listed above as covered, are not covered.
Destination means the place where You expect to travel on a Trip as indicated on the Common Carrier ticket.
Economy Ticket means the lowest published rate for the most direct one-way ticket on a Common Carrier used for the Trip.
Evidence of Coverage (EOC) means this document and the attached General Provisions. They describe the terms, conditions, and exclusions. This EOC and the attached General Provisions are the entire agreement between You and Us. Representations or promises made by anyone that are not contained in this EOC or the attached General Provisions are not a part of Your coverage.
Inclement Weather means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier.
Membership Effective Date means the date You enroll as a member in 4U Benefits or upon receipt of payment of membership dues as per the membership terms and conditions for 4U Benefits, whichever occurs last.
Principal Residence means a home (single-family or a multiple-family dwelling) that You own (either alone or jointly) or rent and is normally inhabited by You.
Return Destination means the place to which You expect to return from a Trip as indicated on the Common Carrier ticket.
Travel Expenses means the actual charge for any overnight hotel stay and meal costs. In addition, if Your passport or travel documents are lost or stolen, then Travel Expenses will also include an Economy Ticket to Your Return Destination.
Trip means a scheduled period of travel with a Destination and Return Destination away from Your Principal Residence using a Common Carrier.
If during the Coverage Period, You are traveling by Common Carrier while on a Trip and are Delayed more than twelve (12) hours while traveling to a Destination or Return Destination, We will reimburse You for Travel Expenses as a result of the Delay. There is no coverage, if the Common Carrier cancels within six (6) hours of the scheduled departure time on the Common Carrier ticket for the Trip.
Coverage is limited to the following:
· $500 per any twelve (12) month period.
· Food and lodging expenses are limited to $100 per day, payable for up to five (5) days.
· Economy Ticket for Your Return Destination is limited to $300.
This summary is a brief overview of the program and is not to be considered a full disclosure of policy terms. Please refer to the Terms and Conditions for complete forms, conditions, limitations, definitions, and exclusions.
How To File a Claim
How to file a claim:
Call the Administrator at 1-800-711-4280 to request a claim form. You must report the claim within forty-five (45) days of the Delay.
The following required items, must be sent to the Administrator at 4U Benefits, c/o cynoSure Financial, Inc., P.O. Box 7690, St. Clair Shores, MI 48080 and be postmarked within ninety (90) days of the Delay.
1. The fully completed claim form.
2. Proof of the Delay (including but not limited to, written proof from the Common Carrier, newspaper clippings, weather reports, or police report for stolen passport).
3. Receipts for Travel Expenses as defined.
4. Any other documentation that may be reasonably requested by the Administrator to validate a claim.