Reasons for Trip Cancellation and Trip Interruption

Plan Comparison

Covered Reasons for Trip Cancellation & Interruption

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Covered Reason
Health & Medical
Sickness or Injury The Sickness or Injury of You or Your Family Member, Your Traveling Companion or their Family Member, or Your Business Partner or their Family Member. Refer to plan document for specific details and eligibility requirements.	✓	✓	✓	✓
Death The death of You or Your Family Member, Your Traveling Companion or Your Traveling Companion’s Family Member, or Your Business Partner or Your Business Partner's Family Member. Refer to plan document for specific details and eligibility requirements.	✓	✓	✓	✓
Complications of Pregnancy Your or Your Traveling Companion must cancel or interrupt your trip due to complications of pregnancy. Refer to the plan document for specific details and eligibility requirements.	✓	✓	✓	✕
Normal Pregnancy or Childbirth Your or Your Traveling Companion must cancel due to a normal pregnancy or childbirth. The pregnancy must occur after the plan's Effective Date for Trip Cancellation and be verified by medical records.	✓	✓	✕	✓
Attending Childbirth Your or Your Traveling Companion attending the childbirth of Your Family Member or surrogate mother. The pregnancy must occur after the plan's Effective Date for Trip Cancellation and be verified by medical records.	✓	✕	✕	✓
Mental, Nervous, or Psychological Condition You or Your Traveling Companion are suffering a Mental, Nervous or Psychological condition or disorder which requires Hospitalization or Partial Hospitalization. Refer to plan document for specific details and eligibility requirements.	✓Trip Cancellation reason only	✓Trip Cancellation reason only	✓Trip Cancellation reason only	✓Trip Cancellation reason only
Financial & Employment
Financial Insolvency / Default The Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including an Air Common Carrier, cruise line, tour operator, or other travel entity that causes a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than 14 days following Your Effective Date for Your Trip Cancellation benefit. Refer to plan document for specific details and eligibility requirements.	✓	✓	✕	✓
Employer Termination Involuntary employer termination or layoff of You or a Traveling Companion. (For Trip Interruption the termination or layoff must occur while You are on Your Trip.) Employment must have been with the same employer for at least 1 continuous year. Refer to plan document for specific details and eligibility requirements.	✓	✓	✓	✓
Transfer of Employment You or Your Traveling Companion have a transfer of employment within the same organization of 250 miles or more, which requires you/your traveling companion's primary residence to be relocated. (For Trip Interruption, the transfer of employment must result in you having to interrupt your trip.) Refer to plan document for specific details and eligibility requirements.	✓	✕	✕	✓
Required to Work You or Your Traveling Companion are required to work during Your Trip, where vacation leave had already been approved by the employer. Refer to plan document for specific details and eligibility requirements, including self-employment details.	✓	✕	✕	✓
Employer Merger / Acquisition You or Your Traveling Companion are required to work during Your Trip and directly involved in a merger or acquisition. You or Your Traveling Companion must be an active, full-time employee and cannot be a company owner or partner. Refer to the plan document for specific details and eligibility requirements.	✓	✕	✕	✓
Place of Employment Unsuitable for Business Your or Your Traveling Companion’s place of employment is deemed to be unsuitable for business due to burglary, vandalism or a Natural Disaster and You or Your Traveling Companion are directly involved as a member or as an employee of the disaster recovery team who is responsible for policy and decision making and are required to work as a result.	✓	✕	✕	✓
Weather & Natural Events
Inclement Weather Inclement Weather that causes a delay or cancellation by a Common Carrier for at least the consecutive hours listed in your plan.	✓	✓	✓	✓
Home or Destination Uninhabitable Your or Your Traveling Companion’s primary place of residence or destination becomes uninhabitable and remains uninhabitable during Your Scheduled Trip by Natural Disaster or burglary. Refer to plan document for specific details and eligibility requirements.	✓	✓	✓	✓
NOAA Hurricane Warning at Destination Your Scheduled Departure City or Scheduled Destination is under a hurricane warning as issued by the NOAA Hurricane Center within 48 hours of Your Scheduled Departure Date. Cancellation of Your Trip must occur more than 14 days following Your Effective Date of coverage for Trip Cancellation.	✓	✓	✕	✓
Destination Evacuation Due to a Natural Disaster, mandatory evacuation is ordered by local government authorities at Your Scheduled Destination which prevents you from traveling to/arriving at Your Scheduled Destination.	✓	✓	✕	✓
Travel Alert Warning A travel alert or a travel warning for levels 4 and higher is issued for cities listed on Your itinerary after Your Effective Date to a destination specifically listed on Your itinerary. The travel alert/warning must occur within 30 days of the Scheduled Departure Date for Trip Cancellation, or must occur during Your scheduled trip for Trip Interruption.	✓	✓	✕	✓
Travel Disruptions
Strike An unannounced Strike results in complete cessation of services for at least the consecutive amount of hours listed in your plan, of the Common Carrier on which You are scheduled to travel, preventing You from reaching Your Scheduled Destination.	✓	✓	✓	✓
Traffic Accident en Route to Departure You or Your Traveling Companion is directly involved in a traffic accident, substantiated by a police report, while en route to Your Scheduled Trip Departure City.	✓	✓	✓	✓
Hijack or Quarantine You or Your Traveling Companion are hijacked or quarantined.	✓	✓	✓	✓
Terrorist Incident A Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip, provided Your Travel Supplier (if applicable) did not offer a substitute itinerary.	✓	✓	✓	✓
Legal & Civil
Jury Duty, Subpoena, or Court Order You or Your Traveling Companion are subpoenaed, served with a court order, required to serve on a jury, or required to appear as a witness in a legal action in which You or Your Traveling Companion are not a party to the legal action, except when appearing in a law enforcement capacity. Refer to the plan document for specific details and eligibility requirements.	✓	✓	✓	✓
Military Duty for Natural Disaster You, Your Traveling Companion, or your Family Member are called to active military duty or emergency service as a reservist, firefighter, or police officer to serve or provide aid or relief in the event of a Natural Disaster, a Civil Disorder, or Terrorist Incident other than war.	✓	✓	✓	✓
Military Leave Revocation Revocation of Your or Your Traveling Companion’s previously granted military leave or reassignment. Refer to plan document for specific details and eligibility requirements.	✓	✓	✓	✓
Divorce or Legal Separation You or Your Traveling Companion file for legal separation or divorce after Your Effective Date of coverage for Trip Cancellation. Trip Cancellation must occur within 21 days of the filing for legal separation or divorce.	✓Trip Cancellation reason only	✓Trip Cancellation reason only	✕	✓Trip Cancellation reason only
Theft of Passports / Visas A documented theft of Your passports or visas specifically required for Your Trip. A police report must substantiate the theft.	✓	✓	✓	✓
Issues Obtaining Visa / Passport You or Your Traveling Companion's passport or visa cannot be issued for a reason beyond You or Your Traveling Companion's control. Refer to plan document for specific details and eligibility requirements.	✓Trip Cancellation reason only	✕	✕	✓Trip Cancellation reason only
Personal/Other Circumstances
Host Unable to Provide Accommodations Your Host at Your Scheduled Destination with whom You are planning to stay is unable to provide accommodations due to life threatening sickness or injury or due to their death.	✓	✓	✓	✓
School Year Extension You or Your Traveling Companion are a student (or are a parent of a student) or are employed either as a full-time teacher or other full-time employee at an elementary, middle or high school and are required to attend/cover an extended school year that falls during or beyond the Scheduled Departure Date. School extensions due to extra-curricular or athletic events are not covered. Refer to plan document for specific details and eligibility requirements.	✓Trip Cancellation reason only	✕	✕	✓Trip Cancellation reason only
Child Adoption You or Your Traveling Companion legally adopt a Child and the date of the placement of adoption occurs after Your Trip Cancellation Effective Date and within 30 Days of Your Scheduled Departure Date.	✓	✕	✕	✓
Destination Wedding The cancellation of a wedding to which You were traveling 250 miles or more away from Your Primary Residence on Your Trip and the cancellation occurs within 2 days prior to the Scheduled Departure Date for Trip Cancellation, or the cancellation must occur during your trip for Trip Interruption. Coverage does not apply if you are the bride or groom. Benefits are limited to your individual travel arrangements only, not any wedding-related expenses.	✓	✕	✕	✓
Felonious Assault You or Your Traveling Companion are the victim of Felonious Assault within 10 days prior to the Scheduled Departure Date.	✕	✕	✕	✓
50% or More Trip Loss A cancellation of Your Trip if Your arrival on the Trip is delayed, and You lose 50% or more of the scheduled Trip duration due to the reasons covered under the Missed Connection Benefit.	✕	✕	✕	✓
Trip Interruption Specific
Trip Extension due to Sickness / Injury If you cannot continue on your trip due to a covered injury or sickness not requiring hospitalization, and you must extend your trip due to medically imposed restrictions (as certified by a physician), you can be reimbursed for additional hotel nights, meals, telephone calls, and local transportation expenses until you are medically fit to travel.	✓Trip Interruption reason only	✕	✕	✕
Hospitalization of Travel Companion If you must interrupt your trip because your traveling companion is and must remain hospitalized and due to a covered injury or sickness for at least 1 day during your trip, the plan provides reimbursement for reasonable expenses incurred by you to remain with your travel companion after your scheduled return date (up to the maximum benefit amount).	✓Trip Interruption reason only	✕	✕	✕
Optional Add-On Bundles*
Insufficient / Excessive Water Levels Your river cruise is unable to operate its scheduled itinerary due to insufficient or excessive water levels along the scheduled route, and the travel supplier provides only land-based alternative accommodations. Proof of the river cruise diversion must be documented by the Travel Supplier.	+ Cruise Bundle	+ Cruise Bundle	+ Cruise Bundle	✕
Mechanical Breakdown Mechanical breakdown/equipment failure of the air common carrier you are traveling on that causes a cancellation or delay of you/your traveling companion's travel for at least 12 consecutive hours, provided no alternative travel arrangements were available	+ Flight Bundle	+ Flight Bundle	+ Flight Bundle	✕
Mandated Shutdown of Air Travel by Authorities Mandated shutdown by local government authorities of an airport or air traffic control system resulting in complete cessation of services for at least 12 consecutive hours (does not apply for terrorism or act of war)	+ Flight Bundle	+ Flight Bundle	+ Flight Bundle	✕
Shutdown of Air Travel Due to Fire / Power Outage Shutdown of the air traffic control system or an airport due to fire or power outage from which you are scheduled to depart or make a connection, resulting in complete cessation of services for at least 12 consecutive hours (does not apply for terrorism or act of war)	+ Flight Bundle	+ Flight Bundle	+ Flight Bundle	✕
Pet Medical Reasons You or your traveling companion's pet or service animal is sick, diagnosed with a terminal illness, injured, or dies within 30 days before your departure date for Trip Cancellation, or while on your trip for Trip Interruption. Refer to plan document for specific details and eligibility requirements.	+ Pet Bundle	+ Pet Bundle	+ Pet Bundle	✕

Additional terms apply to every benefit and covered reason.
*Optional Bundles can be added on at an additional cost. These covered reasons only apply when the optional bundle is purchased.

Sickness or Injury

Death

Complications of Pregnancy

Normal Pregnancy or Childbirth

Attending Childbirth

Mental, Nervous, or Psychological Condition

Trip Cancellation reason only

Financial Insolvency/Default

Number of users

Trip Cancellation reason only

Number of users

Trip Cancellation reason only

Number of users

Trip Cancellation reason only

Number of users

Trip Interruption reason only

Number of users

Trip Interruption reason only

Number of users

With purchase of Optional Cruise Bundle

Number of users

With purchase of Optional Flight Bundle

Number of users

With purchase of Optional Flight Bundle

Number of users

With purchase of Optional Flight Bundle

Number of users

With purchase of Optional Pet Bundle

Sickness or Injury

Death

Complications of Pregnancy

Normal Pregnancy or Childbirth

Number of users

Trip Cancellation reason only

Number of users

Trip Cancellation reason only

Number of users

With purchase of Optional Cruise Bundle

Number of users

With purchase of Optional Flight Bundle

Number of users

With purchase of Optional Flight Bundle

Number of users

With purchase of Optional Flight Bundle

Number of users

With purchase of Optional Pet Bundle

Sickness or Injury

Death

Complications of Pregnancy

Normal Pregnancy or Childbirth

Number of users

Trip Cancellation reason only

Number of users

With purchase of Optional Cruise Bundle

Number of users

With purchase of Optional Flight Bundle

Number of users

With purchase of Optional Flight Bundle

Number of users

With purchase of Optional Flight Bundle

Number of users

With purchase of Optional Pet Bundle

Sickness or Injury

Death

Complications of Pregnancy

Normal Pregnancy or Childbirth

Number of users

Trip Cancellation reason only

Number of users

Trip Cancellation reason only

Number of users

Trip Cancellation reason only

Number of users

Trip Cancellation reason only

Number of users

Frequently Asked Questions

Coverage and benefit eligibility may vary by state.

20250413-4385257

Benefits

Worldwide Trip Protector
Platinum

Worldwide Trip Protector
Deluxe

Worldwide Trip Protector
Essential

Trip Delay - 12 hours

$5,000 per trip ($200 per day)

Missed Tour or Cruise Connection

$500 per trip

Medical Evacuation and Repatriation of Remains

$100,000 per trip, 2 occurrences per plan term

Political or Security Evacuation and Natural Disaster Evacuation

$150,000 per trip, 2 occurrences per plan term

Baggage & Personal Effects

$2,500 per trip

Baggage Delay - 3 hours

$750 per trip

Accident and Sickness Medical Expense

$100,000 per trip

24-Hour Accident Death and Dismemberment Other than Air Flight

$25,000 per trip

Accident Death and Dismemberment - Air Flight Only

$25,000 per trip

Reasons for Trip Cancellation and Trip Interruption

Covered Reasons for Trip Cancellation

Covered Reasons for Trip Cancellation & Interruption

Trip Cancellation vs. Trip Interruption

Covered Costs for Trip Cancellation

Covered Costs for Trip Interruption

Trip Delay and Missed Connection

Frequently Asked Questions

Benefits

Worldwide Trip Protector
Platinum

Worldwide Trip Protector
Deluxe

Worldwide Trip Protector
Essential

Reasons for Trip Cancellation and Trip Interruption

Covered Reasons for Trip Cancellation

Covered Reasons for Trip Cancellation & Interruption

Trip Cancellation vs. Trip Interruption

Covered Costs for Trip Cancellation

Covered Costs for Trip Interruption

Trip Delay and Missed Connection

Frequently Asked Questions

Is there coverage for hurricanes, blizzards, and other natural disasters?

What does travel insurance from Travel Insured cover?

What’s the difference between Trip Cancellation and Trip Interruption coverage?

Do you offer cancellation coverage on its own? I don’t need anything else.

What is the Optional Cancel or Interrupt for Any Reason Bundle?

Do you offer cancellation coverage on its own? I don’t need anything else.

Benefits

Worldwide Trip ProtectorPlatinum

Worldwide Trip ProtectorDeluxe

Worldwide Trip ProtectorEssential

Worldwide Trip Protector
Platinum

Worldwide Trip Protector
Deluxe

Worldwide Trip Protector
Essential