Questions & answers · Travel insurance
What events does Stonebridge Casualty Insurance Company's filed travel insurance policy say it pays for?
AI-drafted from filed documents · reviewed: pendingwhether a specific event is coveredStonebridge Casualty Insurance Company
Stonebridge Casualty Insurance Company's filed travel insurance policy in Kansas (KS) states it pays for trip cancellation or interruption due to unforeseeable sickness, injury, or death of the policyholder, a family member, dependent, or traveling companion [1]. Cancellation due to sickness or injury requires a doctor’s examination or treatment prior to cancellation, and the condition must be so disabling, in a doctor’s written opinion, as to reasonably cause trip cancellation [1]. Cancellation due to a family member’s or dependent’s injury or sickness is covered only if the condition is life-threatening or requires the policyholder’s care [1]. Death of a family member, dependent, or traveling companion is covered only if the death occurs within 30 days of the scheduled trip departure date or check-in date [1]. The policy also covers cancellation or interruption if a traveling companion has a valid claim under a Stonebridge Casualty travel insurance policy [1]. These events must not have been reasonably foreseeable, must be outside the policyholder’s control, and must substantially impair the ability to travel [1]. This does not appear in these excerpts — check the full policy for other covered events. Check your specific policy or contact Stonebridge Casualty Insurance Company for details.
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] Stonebridge Casualty Insurance Company · KS · SERFF AEEX-125995889 · form STONEBRIDGE CASUALTY INSURANCE COMPANY · p. 23 · Trip Cancellation Benefit
We will pay this benefit if your “trip” is cancelled or interrupted due to any of these events or if your “traveling companion’s” “trip” is cancelled or interrupted and your “traveling companion” has a valid claim on a Stonebridge Casualty travel insurance policy. Losses are payable only for those events which could not have been reasonably foreseen by you, are outside your control and substantially impair your ability to travel. Qualifying Event: 1. Unforeseeable “sickness” or “injury” (requiring examination or treatment by a “doctor” prior to the cancellation of your “trip”) or death of you or a “family member” “dependent” or “traveling companion”. “Sickness or “injury” must be so disabling, in the written opinion of a “doctor”, as to reasonably cause you to cancel your “trip”. If you must cancel your trip due to “injury” or “sickness” of a “family member” “dependent”, it must be because their condition is life-threatening, or because the “family member” “dependent” requires your care. Cancellation due to the death of a family member, dependent or “traveling companion” are covered only if the death occurs within 30 days of your scheduled “trip departure date” “check-in date”. … (excerpt — the filed text continues)
[2] Stonebridge Casualty Insurance Company · MI · SERFF AEGB-128594215 · form TAHC5000GCS · p. 2
We will pay that portion of Covered Expenses which exceed the amount of benefits payable for such expenses under [your Other Valid and Collectible Group Insurance][the Coordination of Benefits provisions].] [Please refer to the Definitions, [page X], for an explanation of Pre-Existing Conditions which are excluded under the Medical Expense[/Emergency Assistance] Benefits. … (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 Qcac9af2c. Spotted an error? Tell us.