IENA has secured enhanced travel coverage for our participants that will assist in covering fees paid in association with their Camp/SWT/Intern/Training programs, in the event that your program is cancelled, delayed or interrupted for a covered reason (see below).
WHAT DOES IT COST?
At the time of application, you may choose to purchase the Travel Cancellation and Travel Delay/Interruption Insurance. The cost of this insurance is $120 for the length of your program and will provide insurance coverage that will provide for reimbursement for covered reasons for cancellation of a participant’s program prior to arrival to the United States* , delay or interruption of participants program during their time in the United State for covered reasons. This fee is NOT part of the program fee and is charged in addition to all other fees.
WHAT WILL IT COVER?
The maximum amount reimbursable to the participants under this policy is $4500.00. Coverable expenses include Fees paid to participants home country agency, fees paid to U.S. visa sponsor, any portion of your camp fees that you will need to be repay to your camp due to early departure, applicable airline fees and expenses related to possible quarantine – up to a maximum payout of $4500.00. This policy will NOT cover fees associated with a visa denial, SEVIS fees or any fees paid to the U.S. Government. In addition, this policy will NOT reimburse any fees participants paid for participation in this program should there be any border closures. Under these circumstances IENA’s normal refund policy should apply.
This insurance policy is not mandatory, however if participants decide not to purchase this policy, IENA will not issue any refunds of paid program fees a) should the participant withdraw from their program, or b) if their program is cancelled due to any of the reasons covered under this policy as stated below.
*NOTE: THIS POLICY WILL NOT COVER A PARTICPANT FOR ANY COVID RELATED CANCELLATION, DELAY OR INTERRUPTION UNLESS THE PARTICIPANT HAS ALREADY DEPARTED FOR OR ARRIVED IN THE US.
DESCRIPTION OF COVERAGE
Trip Cancellation
If participant’s trip is cancelled outright and deemed as covered under the policy by the Insurance Company, the Insurance Company will reimburse them up to a maximum of $4500.00 if they are prevented from taking their Trip for any of the following covered reasons that take place after the Effective Date: Sickness, Accidental Injury or death; Being quarantined*, required to serve on a jury, subpoenaed; Natural Disaster; Terrorist Attack; Strike; Breakdown of Common Carrier. *Quarantine coverage is limited up to 14 days maximum and $150.00 per day maximum for food, lodging and transportation.
Example: If participant has purchased their airline ticket to come to the U.S. and have paid their program fees, and they are unable to come to the U.S. for any of the above stated reasons, the insurance company will reimburse fees they have paid toward their plane ticket and program fees (including home country agency fees) up to $4500.00. (NOTE: Visa denials are NOT a covered expense).
Trip Delay
Insurance Company will reimburse the participant up to $4500.00 for Covered Expenses on a one-time basis, if they are delayed in route to or from their Trip for twelve (12) or more hours. Participant must be a ticketed passenger on a Common Carrier.
Covered Expenses include charges incurred for reasonable, additional accommodations and traveling expenses until travel becomes possible. Incurred expenses must be accompanied by receipts.
This benefit is payable only for one delay of the Insured’s Trip, each way. Travel Delay must be caused by one of the following reasons: (a) Injury, Sickness or death of the Insured Person; (b) carrier delay; (c) lost or stolen passport, travel documents or money; (d) Natural Disaster; (e) the Insured being delayed by a traffic accident while in route to a departure; (f) hijacking; 14 (g) unpublished or unannounced strike; (h) civil disorder or commotion; (i) riot; (j) inclement weather which prohibits Common Carrier departure; (k) a Common Carrier strike or other job action; (l) equipment failure of a Common Carrier; or (m) the loss of the Insured’s and/or traveling companion’s travel documents, tickets or money due to theft.
The Insured’s Duties in the Event of Loss: The Insured must provide the insurance company with proof of the Travel Delay such as a letter from the airline /newspaper clipping/weather report/police report or the like and proof of the expenses claimed as a result of Trip Delay. The Insured must inform the insurance company within three (3) days of the covered loss.
Trip Interruption
Insurance Company will reimburse fees up to a maximum of $4500.00 if participants program is interrupted and they must return to their home country due to one of the following events that take place after the Effective Date and while participant is active in their program: sickness, accidental Injury or death; being quarantined*, natural disaster; terrorist attack; strike; or theft of passports, visas or event passes that has been reported to the local authorities, program cancellation by Host Organization. *Quarantine coverage is limited up to 14 days maximum and $150.00 per day maximum for food, lodging and transportation.
Example: If participant is in the U.S. and their program is interrupted and they are required to return home for any of the above stated reasons causing them to lose time on their program, the insurance company will reimburse the participant up to $4500.00 of fees they have paid toward their program and airline fees. Program fee reimbursement will be based on a pro-rata basis (For Example: if participant is ½ way through their program and they have to return to their home country due to any of the above-mentioned reasons, the insurance company will only reimburse them for the time remaining on their program that was lost). Combined maximum payment up to $4500.00.
Policy Exclusions
Under Accidental Death and Dismemberment, Trip Cancellation, Trip Delay, Trip Interruption you will not be reimbursed for any of the following:
- Suicide, attempted suicide, or any intentionally self-inflicted injuries while sane or insane.
- War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war.
- Participation in any military maneuver or training exercise. Any loss starting while You are in the service of the armed forces of any country. Orders to active military service for training purposes of two (2) months or less will not constitute service in the forces. Upon notice to insurance company of entering the armed forces, insurance company will return to you on a pro-rata basis for any premium paid, less any benefits paid, for any period during which You are in such service.
- Piloting or learning to pilot or acting as a member of the crew of any aircraft.
- Mental or nervous disorders, unless hospitalized.
- Participation as a professional in athletics. Semi-professional sports.
- Being under the influence of drugs or intoxicants, unless prescribed by a Physician. Physician cannot be a family member.
- Pregnancy and/or Childbirth.
- Commission or the attempt to commit a criminal act.
- Participating in skydiving; hang gliding; parachuting except parasailing; mountaineering; any race; bungee jumping; speed contest; (speed contest shall not include any of the regatta races;) scuba diving unless accompanied by a dive master and not deeper than thirty (30) feet; spelunking or caving; heli-skiing; extreme skiing.
- Accidental Injury or Sickness when traveling against the advice of a Physician. Physician cannot be a family member.
This policy will NOT reimburse fees should the following occur preventing participation in the program: Visa Denial and Border Closures. In addition, should you have to cancel your program for any of the covered reasons listed above, the following fees remain non-refundable: SEVIS Fees and Visa Fees paid to the U.S. government. Under these conditions, our normal refund policy will apply.
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