Fieldbound Flex with CFAR+IFAR FAQ

Fieldbound Flex is designed to help protect your financial investment in your Outward Bound experience. It can insure up to $37,000 in Trip Cost per traveler and includes benefits for Trip Cancellation, Trip Interruption, Trip Delay, Baggage and Personal Effects, and Baggage Delay. For eligible residents, Fieldbound Flex also includes CFAR+IFAR, which provides additional flexibility for qualifying cancellations or interruptions outside the plan’s standard covered reasons. Fieldbound Flex does not include Emergency Accident & Sickness Medical, Emergency Evacuation, or Search & Rescue insurance benefits.

Fieldbound Flex must be purchased on or before the due date for your final program payment.

Trip Cancellation coverage begins on your Effective Date, which is the day after your purchase. It ends when you either depart on your trip or cancel your trip, whichever happens first. Trip Interruption and other applicable post-departure benefits begin according to the policy when your trip begins.

For a cancellation caused by a covered, unforeseen reason, Fieldbound Flex can reimburse up to 100% of your non-refundable insured Trip Cost, subject to the policy terms, conditions, limitations, and exclusions.

Fieldbound Flex covers more than 20 reasons for Trip Cancellation. Here are a few examples of how the coverage may apply in real life:

1. Sickness or injury. If you, a family member, or a traveling companion gets sick or hurt after your coverage starts, and a doctor says it is serious enough that the trip can’t happen, you’re covered.
2. A parent or guardian loses their job. If the parent or guardian paying for the trip is laid off or terminated through no fault of their own within 30 days after coverage begins, this may be covered. They must have worked for the same employer for at least one year. Temporary, seasonal, and self-employed work does not qualify.
3. Your home becomes unlivable. If a natural disaster, vandalism, or burglary makes your home uninhabitable, this may be a covered reason.
4. A natural disaster at your destination. If a wildfire, flood, earthquake, hurricane, or similar disaster makes your lodging uninhabitable or prevents you from reaching your destination using the transportation shown on your itinerary, this may be covered. For hurricanes, coverage must be purchased before the storm is named a hurricane.
5. A car accident on the way to your departure city. If you or a traveling companion is involved in a traffic accident on the way to where your trip begins and a police report is filed, this may be a covered reason.
6. A required exam or extended school year. If a required academic exam is scheduled during your trip, or your school requires an extension of the school year, this may be covered. Extensions due to athletics or failing grades do not qualify.

These are just a few examples. See the Fieldbound Flex policy wording for the complete list of covered reasons and applicable requirements.

For an interruption caused by a covered, unforeseen reason, Fieldbound Flex can reimburse up to 125% of your non-refundable insured Trip Cost, subject to the policy terms, conditions, limitations, and exclusions.

Fieldbound Flex covers 20 or more reasons for Trip Interruption if something happens after your trip begins and you have to leave early. Here are a few examples of how the coverage may apply in real life:

1. Sickness or injury. If you, a family member, or a traveling companion becomes sick or injured during your trip, and a doctor determines the condition is serious enough that you cannot continue, this may be a covered reason.
2. A parent or guardian loses their job. If the parent or guardian paying for the trip is laid off or terminated through no fault of their own while you are on your trip, this may be covered. They must have worked for the same employer for at least one year. Temporary, seasonal, and self-employed work does not qualify.
3. Your home becomes unlivable. If a natural disaster, vandalism, or burglary makes your home uninhabitable while you are away, this may be a covered reason.
4. A natural disaster affects your destination. If a wildfire, flood, earthquake, hurricane, or similar disaster makes your destination uninhabitable or unreachable, this may be covered. For hurricanes, coverage must be purchased before the storm becomes a hurricane.
5. A car accident affects your trip. If you or a traveling companion is involved in a traffic accident on the way to where your trip begins and it causes you to start late, this may be covered. A police report or news report is required.
6. A travel warning is issued for your destination. If the U.S. State Department issues a Level 3 or higher travel warning for a destination on your itinerary while you are on your trip, this may be a covered reason.

These are just a few examples. See the Fieldbound Flex policy wording for the complete list of covered reasons and applicable requirements.

If you are injured during your course and cannot continue, Fieldbound Flex may reimburse eligible trip costs under the Trip Interruption benefit.

What may be reimbursed

• The unused, non-refundable portion of your tuition and other prepaid insured Trip Cost.
• The additional cost of a one-way economy ticket home by airline, train, or bus. If you recover and are able to rejoin your course, the cost of transportation back to it may also be eligible.

What has to be true

• The injury results from an accident that occurs during your course.
• A licensed physician examines and treats you and certifies that the injury is serious enough that you cannot continue participating.
• You notify your trip provider within 72 hours of the event.

What the plan does not pay

Fieldbound Flex may reimburse eligible trip costs, but it does not pay Emergency Accident & Sickness Medical, Emergency Evacuation, or Search & Rescue expenses.

Fieldbound Flex only

If you leave your course for a reason that isn’t a covered reason, Flex’s Interruption for Any Reason can reimburse 75% of your non-refundable trip cost. It applies only if you leave 48 hours or more after your scheduled departure date.

Cancel For Any Reason (CFAR) is one of the two benefits included in the CFAR + IFAR benefit. When its requirements are met, CFAR can reimburse 75% of your non-refundable insured Trip Cost if you cancel for a reason that is not otherwise covered by the policy.

To use CFAR, you must cancel no later than 2 days before your Scheduled Departure Date. That means CFAR does not apply during the final 2 days before departure. If you need to cancel during that period, standard Trip Cancellation may still apply if the reason is covered by the policy and all requirements are met.

Interruption For Any Reason (IFAR) is the other benefit included in the CFAR + IFAR benefit. When its requirements are met, IFAR can reimburse 75% of eligible unused, prepaid, non-refundable Trip Cost if you interrupt your trip for a reason that is not otherwise covered by the policy.

IFAR does not apply immediately when your trip begins. To use IFAR, you must interrupt your trip 48 hours or more after your actual Scheduled Departure Date. During the first 48 hours, standard Trip Interruption may still apply if the reason is covered by the policy and all requirements are met.

The blackout periods apply to CFAR and IFAR, not to the plan's standard covered-reason benefits. If a covered reason occurs during the final 2 days before departure, standard Trip Cancellation may still apply. If a covered reason causes you to interrupt during the first 48 hours of the trip, standard Trip Interruption may still apply, subject to the policy.

If your Trip Cost increases after you purchase your plan, email your DATP policy number and revised Trip Cost to membercare@detourinsurance.com. We’ll send you a payment link for any additional premium due. Once the additional premium is paid, you’ll receive a revised Confirmation of Coverage by email.

No. Fieldbound Flex does not include Emergency Accident & Sickness Medical, Emergency Evacuation, or Search & Rescue insurance benefits. A sickness or injury may qualify as a covered reason for Trip Interruption, but the plan does not pay the actual medical, evacuation, or Search & Rescue expenses. If you want those benefits, consider a separate travel protection plan that includes them.

Yes. The plan includes standard Trip Interruption, Trip Delay, Baggage and Personal Effects, and Baggage Delay benefits. The policy lists Trip Interruption at up to 125% of non-refundable insured Trip Cost; Trip Delay up to $500 with a $150 per-day limit after a qualifying 6-hour delay; Baggage and Personal Effects up to $1,000 subject to sublimits; and Baggage Delay up to $200 after a qualifying 12-hour delay.

Illinois residents have a 15-day review period, Washington residents have a 14-day review period, and all other states have a 10-day review period. During the applicable review period, you may cancel the policy for a premium refund provided there has been no incurred loss, you have not departed on your trip, and you have not filed a claim, subject to the policy and applicable state-specific terms.

Notify your Travel Supplier and the Co-Ordinated Benefit Plans, LLC claims administrator as soon as possible at travelteam@cbpinsure.com or 877-794-6915. For Trip Cancellation, you must notify your Travel Supplier within 72 hours of the event causing you to cancel, unless the event prevents you from doing so. Keep your trip invoice, proof of payment, cancellation or interruption details, unused tickets or vouchers, and documentation supporting the reason for your claim.

Claims are administered by Co-Ordinated Benefit Plans, LLC on behalf of United States Fire Insurance Company. You can start a claim online at cbpconnect.com, email travelteam@cbpinsure.com, or call 877-794-6915.