Help CenterHow does the policy define a “Family Member” or “Traveling Companion”?
The Travel Insured International Plan pays cancellation benefits if an insured client cancels his or her cruise due to the illness, injury, or death* of the client, a “Family Member” or a “Traveling Companion”. Under the policy, “Family Members” include the insured client’s spouse, children, grandchildren, siblings, parents, grandparents, aunts, uncles, nieces, nephews and in-laws (i.e., spouse’s parents). “Family Members” also include the equivalent relatives of the insured client’s Traveling Companion. A “Traveling Companion” is a person (whether or not related to the insured client) who is named on the same reservation (i.e., in the same cabin) as the insured client. The term “Family Members” does not, however, include relatives of people who are in another cabin. So, for example, assume that DLC booked cabins for a group of 5 married couples and all of them purchased TII insurance. Let’s further assume that an uncle of couple #1 died two days before the cruise. In this case, TII could reimburse cancellation fees for that couple if they cancelled due to the death of the uncle. However, the plan would not reimburse cancellation fees for the other four couples if they decided to cancel because couple #1 was canceling.
NOTE: There are several “Other Covered Reasons” under the TII policy. These include jury duty, substantial damage to the primary residence of the client or Traveling Companion, theft of passport, activation of military duty due to national disaster, involuntary termination of employment, etc.