• $50 per adult change after deposit and $100 per adult for cancellations or changes made 30 days or less prior to travel. Travelers 17 years of age and younger are covered at no cost when all adults in your traveling party purchase the Travel Smart Plan.

• Penalties should you need to cancel your trip for any reason
• Hotel, air, and rental-car price increases (unless you make a change that results in a higher price).
• Hotel change or cancellation fees, with some exceptions.
• Change or cancellation fees for tours and activities if canceled 24 hours prior to scheduled use.
• Airline change or cancellation penalties (a maximum of two changes per person are allowed for published air or other restricted fares).
• Any Classic Vacations change or cancellation fees prior to travel for any reason.

During Travel - Protected from Classic Vacations change or cancellation fees during travel for almost any reason, with certain restrictions explained in the Description of Coverage.

• Trip Cancellation and Trip Interruption Insurance
  If you must cancel or interrupt your trip for a covered reason, the plan provides coverage up to your TOTAL VACATION COST ($25,000 maximum).
  Covered reasons include illness, injury or death to you, a traveling companion or a family member. Additional covered reasons for cancellation include jury duty, subpoena, having a home made uninhabitable by a natural disaster, hijacking, quarantine and being involved in a documented traffic accident en route to departure. Please refer to the Description of Coverage for full details.
  
• Trip Delay
  If you should miss the departure of your trip due to carrier-caused delays or other covered reasons, the plan reimburses you up to $1,000 for unused travel arrangements and/or out-of-pocket costs such as accommodations, meals and transportation expenses in order to catch up to the trip or to return home.
  
• Emergency Evacuation/Repatriation
  If an injury or illness requires emergency medical transportation to the nearest appropriate medical facility, the plan will pre-pay up to $50,000 for covered transportation expenses. In addition, in the event of your death, the plan pays up to $50,000 toward the expenses associated with transporting your remains.
  
• Medical Insurance Protection
  If you become ill or injured while on your trip, the plan will reimburse you up to $25,000 in medical expenses. Medical coverage while traveling overseas is particularly important as Medicare and many major medical policies may not cover medical expenses incurred outside the U.S.
  
• Baggage Insurance Protection
  If baggage and/or personal effects should become lost, stolen or damaged during or while in transit to or from your vacation, the plan will reimburse you up to $1,000. The program also includes baggage delay insurance protection, covering you up to $500 for the purchase of necessary items in the event your luggage is delayed by a common carrier for more than 24 hours from the time you arrive at the destination stated on your ticket until your baggage is returned to you.
  
• 24-Hour Worldwide Emergency Assistance
  24-hour emergency telephone assistance hotline provided by Travel Guard to help with travel-related emergencies ranging from cash transfer, legal, dental, or medical referral, lost travel documents assistance as well as medical consultation and monitoring.

• The price of your vacation increases. Once we receive your payment, the price is guaranteed unless you initiate a change that results in a new price.**
• Someone in your immediate family has an illness or injury, even if they aren't scheduled to travel with you.
• Your home is damaged due to flood from a hurricane or due to another natural disaster.
• An immediate family member back home passes away and you must return from your vacation early.
• Your luggage is lost by the airline.
• You hurt yourself and must visit a doctor while traveling.
• Certain other unforeseeable events, as listed in the Description of Coverage, disrupt your vacation.