Questions & answers · Travel insurance
What events does IDS Property Casualty Insurance Co's filed travel insurance policy say it pays for?
AI-drafted from filed documents · reviewed: pendingwhether a specific event is coveredIDS Property Casualty Insurance Co
IDS Property Casualty Insurance Co's filed travel insurance policy in Alabama (AL) states it pays for trip cancellation or interruption if the Covered Person’s Covered Trip is cancelled or interrupted due to the Covered Person’s or a [Family Member], [Dependent], or [Traveling Companion]’s unexpected or unintended Sickness, Accidental Bodily Injury, or Serious Illness requiring examination or treatment by a Physician prior to the trip cancellation or interruption, or death of the Covered Person or a [Family Member], [Dependent], or [Traveling Companion] [1]. It also pays if the Covered Person cancels or interrupts the trip due to the Accidental Bodily Injury, Serious Illness, or Sickness of a [Family Member], [Dependent], or [Traveling Companion] that is life threatening, or because the [Family Member], [Dependent], or [Traveling Companion] requires the Covered Person’s care [1]. In Oklahoma (OK), the policy pays for trip cancellation or interruption if the Covered Person’s or a Traveling Companion’s Covered Trip is cancelled or interrupted due to Injury, illness, or disease occurring to a Covered Person, [Family Member], or [Traveling Companion] that is so disabling, in the written opinion of a Physician, as to cause cancellation or interruption, or is life threatening, or requires the Covered Person’s care [2]. The event must not have been reasonably foreseeable and must be outside the Covered Person’s control and substantially impair the ability to travel [1]. The Covered Person must notify the appropriate travel supplier(s) within 48 hours of a medical exam or treatment or as soon as reasonably possible thereafter [2]. This does not appear in these excerpts — check the full policy.
Information only — not legal advice. The insurer decides.
These answers quote forms insurers filed with state regulators. Your own policy, its endorsements and your state’s rules control. A filed form may not be the version sold to you.
Where this comes from (2)
[1] IDS Property Casualty Insurance Co · AL · SERFF PRCA-125967277 · form TCPDXX01-01 (001) · p. 10
We will pay this benefit if the Covered Person’s Covered Trip is cancelled or interrupted as a result of any of the following reasons. [Or if Your Traveling Companion’s Covered Trip is cancelled or interrupted and Your Traveling Companion has a valid claim under the Policy.] [Losses are payable only for those events which could not have been reasonably foreseen by the Covered Person and are outside the Covered Person’s control and substantially impair the Covered Person’s ability to travel.] Coverage is provided for Loss caused by: 1. Unexpected or unintended Sickness, Accidental Bodily Injury or Serious Illness requiring examination or treatment by a Physician prior to the trip cancellation or interruption of the Covered Trip or death of the Covered Person or a [Family Member], [Dependent], or [Traveling Companion]. Sickness or Accidental Bodily Injury must be so disabling, in the written opinion of a Physician, as to reasonably cause the Covered Person to interrupt or cancel his/her Covered Trip. If the Covered Person cancels or interrupts his/her Covered Trip, due to Accidental Bodily Injury, Serious Illness or Sickness of a [Family Member], [Dependent], or [Traveling Companion], it must be because the condition is life threatening, or because the [Family Member], [Dependent] or [Traveling Companion] requires the Covered Person’s care. … (excerpt — the filed text continues)
[2] IDS Property Casualty Insurance Co · OK · SERFF PRCA-128176839 · form STPDOK01-02 (001) · p. 10 · Definitions
Covered Reasons under Trip Cancellation/Interruption Coverage We will pay this benefit if the Covered Person's or Traveling Companion's Covered Trip is cancelled or interrupted as a result of any of the following reasons: 1. Injury, illness or disease occurring to a: a. Covered Person, which is so disabling, in the written opinion of a Physician, as to cause the Covered Person to interrupt or cancel the Covered Trip; b. Family Member or Traveling Companion and is considered life threatening; or c. Family Member or Traveling Companion and requiring the Covered Person’s care. The injury, illness or disease must require examination or treatment by a Physician prior to the cancellation or interruption of the Covered Trip. The Covered Person must notify the appropriate travel supplier(s) of the Covered Person’s cancellation or interruption within 48 hours of a medical exam or treatment or as soon as reasonably possible thereafter. … (excerpt — the filed text continues)
Drafted by a local AI model from the excerpts above, then checked by rules (citations, no rankings, no “not covered” claims from a partial excerpt). Question id Qeb0e75d3. Spotted an error? Tell us.