Travelling? Protect Yourself with Trip Cancellation and Interruption Insurance (2024)

FAQs

What qualifies as trip interruption for travel insurance? ›

Trip Interruption is a post-departure benefit that can reimburse a traveler's unused trip costs if they need to interrupt their trip for a covered reason. The most common covered reason is unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member.

Here are some examples: The unexpected death, sickness or injury of you, a travelling companion, or a family member. You need to attend the birth of a family member's child. Travel carrier cannot get you to your destination due to a natural disaster or severe weather.

The unexpected death, illness, or injury of you and/or a traveling companion that deems you unfit to travel, by order of a licensed physician. The hospitalization or death of a non-traveling family member.

Conditions which may not be covered

Conditions like terminal illness, the need for oxygen, pending surgery, chronic lung disease, cardiovascular disease, specific types of cancer, congestive heart failure, and recurring pain are generally excluded from coverage.

Indulging in reckless activities, such as excessive drinking or taking recreational drugs, can lead to a rejection of any insurance claim, whether related to medical, baggage, liability or anything else.

Some examples of covered reasons could be: Sickness, injury, death, or quarantine of a member of your travel party. A delay that causes you to miss or interrupt any part of your covered trip due to weather, mechanical reasons, or travel advisory.

The most common reasons for a denied claim include: There's insufficient documentation or evidence to support a claim. These include a lack of receipts, proof of payments or proof of the incident that you're making the claim for, such as a cancellation, necessary medical care or anything else that cost you money.

Claims due to known, foreseeable, or expected events, epidemics, government prohibitions, warnings, or travel advisories or fear of travel are generally not covered (coverage can vary by state.)

Do I lose my money if I cancel a flight? ›

For the most part, if you book a nonrefundable fare — the most common fare type — you'll receive a credit or voucher for a future flight. However, you'll find that some airlines charge a fee to cancel, and they might base the fee on how far in advance you cancel.

There is a chance that you could get in trouble if your airline finds out your doctor's note is fake. You may be asked to leave the plane, and you could also face legal penalties. It is important to be honest with your airline and provide them with accurate information.

Trip Interruptions

Travel insurance may also cover unforeseen events that force you to end your trip early under the Trip Interruption benefit. This can be due to an unexpected medical emergency, death of a family member, inclement weather, terrorist attack, or any other covered reason.

Travel insurance can help you get your money back if you have to cancel a trip — but only if you cancel for certain reasons. If you want more flexibility, you may need “Cancel For Any Reason,” or CFAR, coverage.

What is the Optional Interruption for Any Reason Travel Insurance Benefit? IFAR is an optional benefit you can add to certain (not all) trip protection plans that allows you to interrupt your trip for any reason not otherwise covered.

What does trip interruption insurance cover? A trip interruption occurs when a traveler must unexpectedly cut short their trip and return home. Additionally, interruption can cause you to stay at your destination longer than originally planned (not always a bad thing, right?)

Trip interruption coverage could cover the cost of return transportation if you need to end the trip early, for example. “Trip delay, on the other hand, is for cases when you're stuck in transit or experience a temporary setback,” she adds.