We will pay up to the Maximum Benefit shown on the Certificate Schedule for reasonable, additional accommodations and for traveling expenses, not otherwise paid by any Travel Supplier or Common Carrier, incurred by the Insured Person on a Covered Trip because of a travel delay of at least 24 hours. The Insured Person must make every reasonable effort to avoid additional expenses. This benefit is payable for only one delay per Covered Trip. Travel Delay must be caused by: (a) Travel Supplier delay; (b) lost or stolen passport, travel documents or money; (c) medical quarantine; (d) natural disaster; or (e) Injury or Illness of the Insured Person or a Travel Companion. The Insured’s Travel Delay claim will be reduced by any amount that is credited or refunded to him or her by any other source.

We will also pay for additional reasonable transportation costs to help the Insured Person join (catch up to) a covered cruise, up to the amount shown on the Certificate Schedule, if the delay is due to bad weather and causes the Insured Person to miss cruise departure because the airline flight was canceled or delayed for at least six (6) hours. The Travel Delay benefit is reduced by any benefit paid by the airline carrier or cruise line towards any additional transportation costs.