Since 1994, Travel Insured International has helped protect travelers’ plans with dependable benefits and thoughtful support. Our travel protection plans combine robust travel insurance benefits with non-insurance assistance services, so you’re supported before, during, and after your trip. Whether you’re traveling across the country or around the world, we’re here to meet you in the moment. With nearly 30 years of experience and a reputation for responsive service, you can explore more freely, knowing help may be just a call away if something unexpected occurs.

Additional terms apply to every benefit and covered reason.

Trip Cancellation vs. Trip Interruption

Trip Cancellation applies after you purchase your plan but before departure. Trip Interruption applies after departure (or if you must join your trip after your scheduled departure date). The covered reasons for Trip Cancellation and Trip Interruption may vary from each other. Please read your plan document for details.

Covered Costs for Trip Cancellation

• unused and forfeited prepaid, non-refundable trip costs

• additional cost for higher per-person trip costs for you if your travel companion cancels for a covered reason (single supplement)

Covered Costs for Trip Interruption

• unused, prepaid, nonrefundable trip costs for land or water travel arrangements you purchased for your trip
• additional transportation costs to join, rejoin, or transport you to your originally scheduled return destination of you trip
• coverage up to 150% of trip cost (up to 100% for the Essential plan)

Trip Delay, Missed Connection, and Itinerary Change

Trip Delay, Missed Connection and Itinerary Change are offered in our plans as benefits separate from Trip Cancellation and Trip Interruption.

Coverage and benefit eligibility may vary by state.

FAQs

What is the Trip Cancellation benefit and how does it help travelers?

The Trip Cancellation benefit may reimburse you for non-refundable expenses if you need to cancel your travel plans for a covered reason. This may include situations like medical issues, family emergencies, or work-related obligations. You may be reimbursed for costs related to flights, hotels, or activities that would otherwise be lost.

This benefit can be especially helpful if you’ve planned far in advance or made large upfront payments. It can add some security to your travel investment, helping reduce stress if something unexpected comes up before departure. Including this coverage when you book may make your trip feel more secure from the start. (Covered reasons for cancellation may vary by plan.)

What reasons are covered under Trip Cancellation?

Common covered reasons may include serious illness or injury, the death of a family member, jury duty, military leave, complications from pregnancy, severe weather, or a terrorist event. These coverages are designed to help you cancel a trip without losing your investment.

Covered reasons vary by plan, and timing matters, such as when the event occurred and when you purchased the plan. Reviewing your plan document can help clarify what’s included. Adding this protection gives you the flexibility to plan confidently, knowing you may be covered for a range of life’s unpredictable moments.

What costs are covered under Trip Cancellation?

Trip Cancellation coverage may apply to unused, non-refundable trip costs such as airline tickets, hotel bookings, and prepaid excursions. When you cancel for a covered reason, the plan may help reimburse you for those expenses. This could include cruise deposits, guided tours, or even service fees from travel advisors, depending on your plan.

It's ideal for travelers making significant investments in advance, especially for custom or high-value trips. This type of protection can also make rebooking easier, since you may have some or all your original investment refunded, depending on your plan’s maximum benefit amounts.

What is the difference between Trip Cancellation and Trip Interruption?

Trip Cancellation helps before your trip begins, if you need to cancel for a covered reason. Trip Interruption applies after your trip starts—helping with costs if your trip is unexpectedly cut short due to a covered event. While both benefits offer financial protection, they respond to different timing and circumstances.

For example, Trip Interruption could cover the cost to transport you to your originally scheduled return destination or catching up to a tour you’ve missed. Together, these benefits work to help protect your travel investment before and during your journey, giving you flexible support when plans change.

How does Trip Interruption help when a trip is cut short?

If you need to return to your originally scheduled return destination early or change your plans mid-trip for a covered reason, the Trip Interruption benefit may reimburse you for unused, non-refundable land or water travel arrangements you purchased for your trip and additional transportation costs. Depending on your plan, this benefit could reimburse up to 150% of your original trip cost. This helps offset costs associated with rebooking flights or securing last-minute lodging. With this benefit, you don’t have to face the unexpected alone.

What happens if my destination becomes unsafe or uninhabitable?

If a natural disaster, severe weather, or other covered event makes your destination unsafe, Trip Cancellation or Trip Interruption coverage may apply. This benefit could allow you to cancel or change your travel plans without losing non-refundable costs.

How can insurance protect me from financial loss if my trip is canceled or interrupted?

If you cancel or interrupt your trip due to a covered reason, you may be eligible for reimbursement for non-refundable expenses. This helps reduce the financial impact of unexpected events that could otherwise lead to a more complete loss.

What is the benefit of having the Trip Cancellation benefit for unpredictable health emergencies?

If a sudden illness or injury prevents you from traveling, Trip Cancellation coverage may help you recover pre-paid, non-refundable costs like flights or accommodations. It’s designed to protect your travel investment while supporting your focus on recovery.

What additional Trip Cancellation/Interruption covered reason do I get with optional add-ons like the Flight or Pet Bundle?

Optional bundles offer targeted, additional covered reasons for specific needs. The Flight Bundle may help with situations such as aircraft mechanical breakdowns or power outages. The Pet Bundle offers additional covered reasons if you need to cancel or interrupt your trip due to your pet getting sick, injured, or dying. An additional cost applies to bundles. Refer to your plan document for a full description of the bundles and covered reasons.

Why should I consider Trip Cancellation and Trip Interruption benefits when booking a trip?

Travel plans don’t always go as expected. A travel protection plan offers a layer of support that may help you recover your trip investment when the unexpected happens. It’s a way to travel with added confidence and peace of mind.

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