The amount you are eligible to receive is also influenced by any refunds or credits you get from travel suppliers. For example, if you're entitled to a refund for an unused ticket, this will be deducted from the benefit amount. It's important to note that the maximum benefit will not exceed the lesser of the prepaid payments or deposits made for your travel arrangements, as specified in the Schedule of Benefits.

Here's a simplified breakdown of how the maximum benefit amount is determined:

Understanding the specifics of travel insurance coverage, particularly concerning the end date in the context of overnight flights and unforeseen medical emergencies, is crucial for travelers. As outlined in various policy wordings, if a traveler is unable to continue their trip due to a covered injury or sickness that does not require hospitalization, they may be entitled to benefits for additional expenses incurred until they are medically fit to travel. These benefits often include additional hotel nights, meals, and local transportation expenses, with certain daily and overall limits. It's important to note that coverage can extend beyond the scheduled return date, typically up to seven days, to accommodate for quarantine or other medically imposed restrictions. Travelers should review their policies carefully to understand the extent of coverage and the limitations that apply, ensuring peace of mind during their journeys.