Garantie 5.

Cancellation coverage

• a temporary or permanent incapacity of: yourself, your legal or de facto spouse, your ascendants or descendants (1st degree), your brothers, sisters. If you cannot establish the reality of this incapacity or if the information provided does not prove the materiality of the facts, we can refuse your request.
  
• the death of: yourself, your legal or de facto spouse, your ascendants or descendants of the 1st degree, your brothers, sisters.
  
• serious material damage resulting from a burglary, a fire, water damage, a climatic event requiring your presence on site on the day scheduled for your departure, for the implementation of protective measures and administrative procedures, and affecting more than 50% of your main residence.
  
• the lack of snowfall occurring in the 48 hours preceding the departure and reaching more than 50% of the ski area. The closure of more than 50% of the ski area must be confirmed by the closure of a certain number of ski lifts and by the percentage of opening of the ski area communicated by the company operating the ski area concerned. If however you maintain your stay and it is noted during the period of validity of your ski pass an average closure of the ski area of more than 50%, we will reimburse your ski pass up to the percentage of closure of the ski area. 
  
• the impossibility of access to the resorts for a period of more than 24 consecutive hours, following the occurrence of a climatic event certified by the Mayor of the commune of the resort concerned, preventing you from reaching the site of your stay by any means whatsoever (road, train, plane).
  
• Your redundancy or that of your spouse, common-law partner or P.A.C.S. partner, provided that the invitation to the individual interview has not been received before the day of booking the package.
  
• Your professional transfer, non-disciplinary, imposed by your employer, obliging you to move within eight (8) days before the beginning of the validity date of the package or during the duration of the package and provided that the transfer was not known at the time of booking the package.
  
• Modification of the date of your paid leave by your employer: this guarantee is granted to salaried employees, excluding craftsmen, merchants, members of a liberal profession, managers or legal representatives of a company. This leave, corresponding to an acquired right, must have been agreed upon by the employer prior to the subscription of the present contract

• illnesses or accidents that were first diagnosed, treated, relapsed, aggravated or hospitalized between the date of booking your trip and the date of taking out this policy;
• pathologies that have not stabilized and that have been diagnosed or treated within 30 days prior to the reservation of the trip;
• voluntary interruption of pregnancy, childbirth, invitro fertilization and their consequences as well as pregnancies that have resulted in hospitalization in the 6 months preceding the request for assistance;
• the omission of any vaccination or preventive treatment required for the destination of your trip;
• epidemics, the local health situation, pollution, meteorological or climatic events, except for article 1.5;
• natural disasters occurring abroad, the determining cause of which is the abnormal intensity of a natural agent and those covered by the procedure referred to in law n° 82-600 of July 13, 1982;
• les procédures pénales dont vous feriez l’objet; any event occurring between the date you booked your trip and the date you took out this policy.