[{"text": "> This is a **sample** document so the RAG pipeline runs end-to-end. Replace it with your real > policy wordings and FAQs. Headings become citation anchors (e.g. `policy-basic#medical`).", "source": "policy_travel_basic#travel-protection-plan-policy-summary-sample"}, {"text": "The plan reimburses prepaid, non-refundable trip costs when you cancel for a covered reason before departure. Covered reasons include severe weather that leads a licensed authority to issue a travel advisory or the common carrier to cancel the scheduled departure, covered illness or injury, and jury duty. Reimbursement is up to the trip-cancellation limit shown on your certificate. Retain the cancellation notice, unused tickets, and receipts.", "source": "policy_travel_basic#trip-cancellation"}, {"text": "Emergency medical and dental treatment for a sudden illness or injury during your trip is covered up to the certificate limit — commonly $100,000 on the Basic plan and $500,000 on the Plus plan. Emergency medical evacuation and repatriation carry a separate limit. Treatment must be medically necessary and incurred during the covered trip. File within 90 days of treatment with itemized bills and the physician's report.", "source": "policy_travel_basic#emergency-medical"}, {"text": "The following are not covered: pre-existing medical conditions (unless the optional waiver was purchased within 14 days of the initial trip deposit), losses from being under the influence of alcohol or non-prescribed drugs, war and civil unrest, self-inflicted injury, and travel undertaken against a physician's advice. High-risk activities are excluded unless an adventure rider is added.", "source": "policy_travel_basic#exclusions"}, {"text": "Baggage and personal effects are covered against loss, theft, or damage, subject to a per-item limit (typically $500) and an overall baggage limit. Theft requires a police report filed within 24 hours. Depreciation may be applied to the settlement. Cash, documents, and business samples are excluded.", "source": "policy_travel_basic#personal-effects"}, {"text": "Standard recreational activities are covered. Recreational scuba diving to certified depths is covered on the Plus plan. Excluded high-risk activities include skydiving, mountaineering above 4,500 metres, and professional or competitive sports, unless an adventure rider is purchased.", "source": "policy_travel_basic#activities"}, {"text": "The single-trip plan covers one journey up to the maximum trip length on your certificate. The annual multi-trip plan covers unlimited trips within a policy year, each subject to a per-trip day cap. Both plans offer Basic and Plus coverage tiers.", "source": "policy_travel_basic#plans"}, {"text": "You may cancel the policy within the 10-day review (\"free look\") period for a full refund, provided the trip has not started and no claim has been filed. After the review period, only annual plans are eligible for a prorated refund.", "source": "policy_travel_basic#free-look-cancellation"}]