Trip Interruption


This protection will cover your non-refundable tickets when your trip is interrupted for one of the covered reasons.  Do take a chance of being stranded away from home, get peice of mind today.

  • Coverage is the member's trip is interrupted for a covered reason
  • Covered reasons:  sickness, injury or death of the member, a family member or travel companion
  • Reimburses the member for the cost of a common carrier ticket to return home or to rejoin the family members/travel companions at their current location


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 the You or 4U Benefits. “We”, “Us”, and “Our” 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 them if you have questions regarding this coverage or would like to make a claim. They can be reached by phone at 1-800-711-4280.
Charge means any non-refundable cancellation or change fee imposed by the Common Carrier.
Common Carrier means any air, bus, or rail transportation conveyance operated under a license for the transportation of passengers for hire.
Coverage Period means the period starting on the Membership Effective Date. Coverage will continue as determined by the payment schedule/plan for as long as You are a member in good standing. (This standing is defined by the terms and conditions for 4U Benefits.) It will stop if You or 4U Benefits cancel Your membership in 4U Benefits.
Covered Reason means Sickness, Injury, or death of You, a Family Member or Your Traveling Companion, which results in Medically Imposed Restrictions.
Destination means the place where You expect to travel on Your Trip as indicated on Your Common Carrier ticket.
Evidence of Coverage (EOC) means this document. It describes the terms, conditions, and exclusions (benefits We do not cover) that apply to each of the 4U Benefits benefits. The EOC is the entire agreement between You and Us. Representations or promises made by anyone that are not contained in this document are not a part of Your 4U Benefits benefits.
Economy Fare means the lowest published rate for the most direct one-way ticket on the Common Carrier used for Your Trip.
Injury means bodily injury caused by an accident that occurs while You are covered under this program, and results directly and independently of all other causes of loss. The Injury must be verified by a Physician.
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.
Medically Imposed Restrictions means a restriction certified by Your Physician prohibiting You from traveling on a Common Carrier.
Physician means a licensed medical, surgical, or dental practitioner acting within the scope of his or her license. The treating Physician may not be You, a Family Member, or a Traveling Companion, or related to You by blood.
Pre-Existing Medical Condition meansany condition resulting from any Injury or Sickness affecting You, a Traveling Companion traveling with You within the sixty (60) day period prior to the purchase date of Your Trip. The condition must have (a) first manifested itself or exhibited symptoms which would have caused one to seek diagnosis, care, or treatment; (b) required taking prescribed drugs or medicine; or (c) required medical treatment or treatment was recommended by a Physician. Taking maintenance medications for a condition that is considered stable shall not be included as a Pre-Existing Medical Condition.
Sickness means an illness or disease that is diagnosed or treated by a Physician.
Return Destination means the place to which You expect to return from Your Trip as indicated on Your Common Carrier ticket.
Traveling Companion means up to four (4) individual(s) with whom You have arranged to travel on the same Trip with the same itinerary and for which the cost of Trip was charged with your covered card.
Trip means a scheduled period of round trip travel away from Your primary residence using a Common Carrier.
Trip Completion Date means the date on which You are scheduled to return to the Return Destination.
Trip Departure Date means the date on which You are originally scheduled to leave on Your Trip.
B.      To get coverage:
You must purchase the Trip during the Coverage Period of the membership. Traveling Companions are only covered if they are accompanying You on the same Trip and the Trip was purchased by You.
C.      coverage:
 Trip Interruption
If Your Trip is interrupted for a Covered Reason, We will reimburse You for the travel on a Common Carrier to Your Return Destination or to rejoin Your Family Members or Travel Companions at their current location.
Term of Coverage:
Coverage begins on the Trip Departure Date and ends on the Trip Completion Date.
Coverage is limited the lesser of the following:
·         $500 per any 12 month period; or
·         The lesser of: (i) any Charge; (ii) one-half (½) the original cost of the Trip; or (iii) The cost of an Economy Fare ticket.
Coverage is secondary to any other applicable insurance or benefit available to you including benefits provided by the Common Carrier (including, but not limited to, exchanged tickets, drop in ticket prices, goodwill payments, refunds, credits, or vouchers).
D.      What is NOT covered:
·         Pre-Existing Medical Conditions;
·         Intentionally self-inflicted injuries, including suicide or attempted suicide;
·         War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not) civil war;
·         Participation in any military maneuver or training exercise;
·         Piloting or learning to pilot or acting as a member of the crew of any aircraft;
·         Mental or emotional disorders, unless hospitalized;
·         Participation in professional athletics or underwater activities;
·         Being under the influence of drugs or intoxicants;
·         Commission of or the attempt to commit a criminal act;
·         Participating in bodily contact sports (ex. boxing); skydiving; hang gliding; parachuting; Mountaineering; any race; bungee cord jumping; or speed contest;
·         Dental treatment except as a result of accidental Injury to sound, natural teeth;
·         Any non-emergency treatment or surgery, routine physical examinations;
·         Hearing aids, eye glasses or contact lenses;
·         Pregnancy and childbirth (except for complications of pregnancy);
·         Curtailment or delayed return for other than a Covered Reason; and
·         One-way travel that does not have a Return Destination.
Coverage is provided under a Group Policy issued by VSC. This EOC is a summary of benefits provided to You.
Cancellation and Non-Renewal. cynoSure Financial Trust, 4U Benefits, or VSC can cancel or choose not to renew this coverage upon the expiration of coverage. If this happens, the 4U Benefits will notify You at least sixty (60) days in advance of the expiration of this coverage. Such notices need not be given if substantially similar replacement coverage takes effect without interruption and is provided by the same insurer. If the Group Policy for this EOC is canceled or non-renewed by either cynoSure Financial Trust or VSC, the coverage benefits will continue to be in force for the period for which premium has already been paid to VSC.
Claims. Benefits payable under this EOC for any loss will be paid upon receipt of proof of such claim and all required information necessary to support the claim.
All benefits payable will be payable to You or, in the case of death, to Your estate. No person or entity other than You shall have any legal or equitable right, remedy or claim of insurance proceeds and/or damages under or arising out of this coverage.
Other Insurance. Coverage is excess of any other applicable insurance or indemnity available to You. Coverage is limited to only those amounts not covered by any other insurance or indemnity. It is subject to the conditions, limitations, and exclusions described in this document. In no event will this coverage apply as contributing insurance. This Other Insurance clause will take precedence over a similar clause found in other insurance or indemnity language.
Misrepresentation and Fraud. Coverage for You shall be void if, whether before or after a loss, You have concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the interest of You therein. Coverage shall also be void if You commit fraud or false swearing in connection with any of the above. In order for Us to cancel Your coverage for misrepresentation or void this coverage due to fraud or false swearing in your request for coverage, we must be able to prove the misrepresentation was fraudulent and that if we had known the truth, We would have not in good faith have issued this coverage to You. In order for Us to void this coverage due to failure or false swearing arising from a claim made by or on behalf of You, We must show that the statement was fraudulent.
Legal Actions. No action at law or in equity shall be brought to recover under this EOC prior to the expiration of sixty (60) days after proof of loss has been furnished in accordance with the requirements of this coverage.
Duplicate Membership Coverage. If You have intentionally or unintentionally enrolled for more than one (1) membership in 4U Benefits, coverage under this EOC is limited to one benefit payable per loss.
Subrogation. If payment is made under this EOC, We are entitled to recover such amounts from other parties or persons. Any party or person to or for whom We make payment must transfer to Us his or her rights to recovery against any other party or person. They must also do everything necessary to secure these rights and must do nothing that would jeopardize them, or these rights will be recovered from that person.
Dispute Resolution. 4U Benefits benefits are subject to the terms and conditions outlined and include certain restrictions, limitations, and exclusions. This EOC is not a policy of insurance. In the event of any conflict between the EOC and the Group Policy, the Group Policy will govern. The Group Policy is on file at the offices of the Administrator. The EOC shall be interpreted and enforced according to the laws of the state of Delaware.
For Montana Residents: The following statement has been added: The provisions of this EOC conform to the minimum requirements of the Montana law and control over any conflicting statutes of any state in which You reside in, on or after the effective date of this coverage.

How To File a Claim

E.       how to file a claim:
To file a claim, You must contact the Administrator by phone at 1-800-711-4280 within forty-five (45) days of the date of the cancelled or interrupted Trip. Otherwise, the claim may be denied.
A claim form will be sent to You. The fully completed claim form must be returned to the Administrator at 4U Benefits, c/o cynoSure Financial, Inc., P.O. Box 7690, St. Clair Shores, MI 48080 with:
1.        Proof of a Covered Reason including the completed physician’s form.
2.        Copy of the cancellation policy of the Common Carrier.
3.        Any other documents that the Administrator may reasonably request.
All these required items, including the claim form, must be postmarked within ninety (90) days of the date of the cancelled or interrupted Trip. Otherwise, the claim may be denied.