An emergency sickness, injury or death of yourself, and/or a member of your immediate family, traveling companion, business partner or their immediate family, or the host at the trip destination;

A disaster which renders your principal residences uninhabitable;

Terrorism or civil disorder at the final ticketed destination for which the US/Canadian or U.K. government has issued an advisory against travelling after your Cancellation Protection effective date;

Being subpoenaed to appear as a witness or being selected for jury duty;

Cancellation, uncontrollable by you or your employer, by the organizer of a prepaid business conference in which you are a registered delegate;

Job loss: involuntary loss of permanent employment which has been continuous for more than one year.