Trip/Flight Cancellation and Trip Interruption

Please Note:   Each of our four Worldwide Trip Protector plans includes the Trip/Flight Cancellation and Trip Interruption coverage described below, as well as
Travel Medical Insurance and Medical Evacuation and Baggage Delay, Loss, Theft, and Damage. You can also view our complete Plan Comparison Charts and Benefit Explanations.

Cash Advantage over Airline/Cruise Cancellation Policies

Travel Insured’s cash reimbursement benefit is a major advantage for you to consider when choosing a travel protection plan. While some policies only offer credit towards a specific company, with a deadline, and only for a narrow range of reasons, Travel Insured provides coverage for the many reasons listed below, and with cash claims settlements, so you can decide if, when, and how you want to rebook your trip.

Furthermore, an insurance policy that you have purchased directly from a travel supplier may not provide coverage if that supplier goes into bankruptcy or default.

Covered Reasons for Trip/Flight Cancellation and Trip Interruption


Worldwide Trip Protector Gold

Worldwide Trip Protector

Trip Protector Lite Expanded

Trip Protector Lite
Sickness
(you or family)
Sickness affecting you, your traveling companion (insured or uninsured), a member of either of your families (spouse, parent, child, domestic partner, or other family relation, insured or uninsured), or either of your business partners.
       
Pre-existing Medical Condition*
(you or family)
If you purchase your policy no longer than 30 days (for Worldwide Trip Protector Gold), 21 days (for Worldwide Trip Protector), or 14 days (for Trip Protector Lite Expanded) after your initial trip deposit, you are eligible for Trip/Flight Cancellation or Trip Interruption coverage due to the recurrence of a pre-existing medical condition affecting you, your traveling companion (insured or uninsured), or a member of either of your families (spouse, parent, child, domestic partner, or other family relation, insured or uninsured).
       
Injury
(you or family)
Injury affecting you, your traveling companion (insured or uninsured), a member of either of your families (spouse, parent, child, domestic partner, or other family relation, insured or uninsured), or either of your business partners.
       
Death
(you or family)
Death of yourself, your traveling companion (insured or uninsured), a member of either of your families (spouse, parent, child, domestic partner, or other family relation, insured or uninsured), or either of your business partners
       
Bankruptcy / Default
Bankruptcy or default of your travel supplier that occurs more than 14 days after you purchase your policy. (If you purchase your policy no longer than 30 days (for Worldwide Trip Protector Gold), 21 days (for Worldwide Trip Protector), or 14 days (for Trip Protector Lite Expanded) after your initial trip deposit.)
       
Weather
Weather causes complete stoppage of your common carrier (such as airline or train) for at least 24 consecutive hours.
       
Traffic Accident en Route to
Airport
You or your traveling companion are directly involved in a traffic accident en route to departure.
       
Natural Disaster at Destination
Natural disaster makes your destination accommodations uninhabitable.
       
Evacuation at Destination
Mandatory evacuation at your destination due to hurricane or other natural disaster. (To cancel, you must have 50% or less of your trip remaining when evacuation ends.)
       
Host Death / Hospitalization
The death or hospitalization of your destination host.
       
Strike
Strike causes complete stoppage of services (such as airlines) for at least 24 consecutive hours.
       
Felonious Assault
You or your traveling companion are victim of a felonious assault no more than 10 days before departure.
       
Terrorist Attack
Politically motivated terrorist attack within a city on your itinerary that occurs after your purchase date and no more than 30 days before your trip.
       
Hijacking / Quarantine
You or your traveling companion is involved in a hijacking or quarantine.
       
School Year Extension
School year is extended beyond normal session for you, your traveling companion, or your children.
       
Home Uninhabitable
Your or your traveling companion’s home is made uninhabitable by fire, flood, or other natural disaster.
       
Burglary
Your or your traveling companion’s home is burglarized no more than 10 days before departure.
       
Military Duty for Natural
Disaster
(you or family)
You, your traveling companion (insured or uninsured), or a member of either of your families (spouse, parent, child, domestic partner, or other family relation, insured or uninsured) are called to military duty, have your leave revoked, or are reassigned due to natural disaster.
       
Jury Duty
You or your traveling companion must appear in court to fulfill jury duty, a subpoena, or a witness requirement.
       
Pregnancy
You or your traveling companion becomes pregnant after policy purchase date.
       
Attending Childbirth
You will be attending a family member’s childbirth, if pregnancy occurred after your purchase date.
       
50% of Trip Missed Due to Trip
Delay
You lose 50% or more of trip duration due to reasons covered under your Trip Delay benefit.
       
Job Loss
You or your traveling companion is laid off or terminated after one year employment where layoff/termination occurs.
       
Cancel for Work Reasons
Work-related reasons for you or your traveling companion such as requirement to work during planned vacation transfer to other city, merger/acquisition, or interruption of company operations due to disaster or bankruptcy. You can purchase the Cancel for Work Reasons option for Worldwide Trip Protector Gold up to 30 days after your initial trip deposit and for Worldwide Trip Protector and Trip Protector Lite up to 21 days. Job Loss is already a covered reason for Trip/Flight Cancellation or Trip Interruption without the purchase of the Cancel for Work Reasons option.
Option Option Option Option
Cancel for Any Reason
Cancel for any reason up to 48 hours prior to scheduled departure. The Cancel for Any Reason option covers 75% of non-refundable trip costs. You can purchase this option up to 30 or 21 days after your initial trip deposit for the Worldwide Trip Protector Gold and Worldwide Trip Protector plans respectively.
Option Option    

* Coverage for Pre-existing Conditions is available if you purchase your policy within 30 days after your initial trip deposit for Worldwide Trip Protector Gold, 21 days for Worldwide Trip Protector, and 14 days for Trip Protector Lite Expanded.

Trip/Flight Cancellation vs. Trip Interruption

Trip/Flight Cancellation applies after you purchase your policy but before departure. Trip Interruption applies after departure. The same reasons are covered for both Trip/Flight Cancellation and Trip Interruption.

Covered Costs for Trip/Flight Cancellation

  • prepaid, nonrefundable trip costs
  • cancellation penalties
  • your prepaid trip costs if your travel companion cancels for a covered reason
  • higher per-person trip costs for you if your travel companion cancels for a covered reason

Covered Costs for Trip Interruption

Trip Delay and Missed Connection/Itinerary Change

Trip Delay and Missed Connection/Itinerary Change are included in our plans as a benefit separate from Trip/Flight Cancellation and Trip Interruption. (Missed Connection/Itinerary Change is not included in our Trip Protector Lite plan.)

If you have questions, please contact our Customer Care department 24/7 at 1-800-243-3174.

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