Effective Date

The Trip Cancellation Benefit is effective at 12:01 a.m. Standard Time on the date you purchase and pay for the plan and all over coverages begin on the date you begin your trip.

Effective Date: Trip Cancellation Benefit will be effective 12:01 a.m. Standard Time on the date after becoming enrolled and plan cost is paid. All other coverages will begin on the later of:

1. the date and time the Insured starts his/her Trip, or
2. the scheduled departure date shown on the Enrollment form.