Trip Cancellation Insurance

Also visit: Trip Interruption Coverage and What do I need for Coverage?

Trip Cancellation Insurance protects you after you book and insure your trip, but before your scheduled trip departure.

It can protect the insured traveler’s prepaid trip costs up to the full cost of the trip due to covered reasons for trip disruptions between the date the policy’s coverage starts and the scheduled trip departure date. These disruptions may force the cancellation of the trip. 

Why Do You Need Trip Cancellation Insurance?

Between your time of travel booking and your trip departure date unforeseen disruptions can happen:

• You, your traveling companion or a family member gets sick or dies.
• Weather or a strike halts your Travel Supplier’s operation.
• You must serve on a jury or testify in court when you are due to travel.
• Your Travel Supplier goes bankrupt or defaults and stops operating.
• A terrorist attack occurs in a city on your trip within 30 days of departure.
• You or your travel companion is in a car accident enroute to your departure.
• Your destination host dies or is hospitalized.
• A natural disaster makes your destination hotel or your home uninhabitable.

Trip Cancellation Insurance protects against Cancellation Penalties

Depending on the date you cancel, your supplier may impose a Cancellation Penalty against you based on the terms & conditions of your trip. This can be part or all of your trip prepayment that is held back when you seek a refund. Trip Cancellation can protect you by reimbursing such penalties up to the full pre-paid cost of your trip. 

Trip Cancellation can also pay the difference in higher per-person trip costs you might pay if your travel companion must cancel for a covered reason while you continue the trip. It can also protect the insured’s prepaid trip costs up to the full cost of the trip if both decide to cancel for the covered reason of the travel companion.