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Trip Cancellation/Trip Interruption
In the event You are prevented from taking or completing Your Flight because:
(a) You, a Traveling Companion, or an Immediate Family member suffers an Injury, Sickness, or death; or
(b) You or Your Traveling Companion
(i) are hijacked, quarantined, required to serve on a jury, or subpoenaed;
(ii) has a principal residence made uninhabitable by fire, flood, volcano, earthquake, hurricane, or other natural disaster; or
(iii) are directly involved in a documented traffic accident while en route to departure;
If You sustain an Injury (1) while as a passenger in, on, boarding, or alighting from an air conveyance organized and licensed for the transportation of passengers for hire; or (2) being struck or run down by an aircraft which results in death or loss of limb, eyesight, speech, or hearing within 365 days of the date of the accident; the Insurer will pay the largest applicable amount as follows: the benefit amount shown in the Schedule of Coverages for death, loss of speech and hearing in both ears, or loss of any combination of two hands, feet, or eyes; one-half the benefit amount for loss of any one of these; and one quarter the benefit amount for loss of thumb and index finger of the same hand. In no event will the Insurer pay more than the maximum benefit amount shown on the Schedule of Coverages for all losses due to the same accident.