Trip Cancellation vs. Cancel for Any Reason

Answer:

Yes, you can cancel the trip for any reason with that benefit, as long as you qualify. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted.

Answer:

You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.

Answer:

The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. This includes non-traveling family members as well. Trip Cancellation reimburses 100%.

Answer:

You would only be able to insure your portion of the total trip cost on your policy in the even of a Trip Cancellation, please keep in mind. Even though you are paying for the entire trip, you can only insure your portion of the total trip cost and your friend would need to insure their portion of the total trip cost on a policy from a provider who insures non U.S residents. Thank you.

Answer:

The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. This applies to non-traveling family members as well. If it is pre-departure, this would be considered Trip Cancellation. If it was post departure, meaning you are on the trip, this would be considered Trip Interruption. Trip Cancellation applies up until the day of departure, please keep in mind.

Answer:

The premium is only refundable within the 10-15 day review period from when the policy was purchased. Any request submitted after that would be considered an exception.

Answer:

You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons. As long as the policy certificate does not have an exclusion for Pandemics/Epidemics and there are no click-through agreements on the buy page asking you to agree that you will not be covered for Covid, you can be covered as if you were diagnosed with any other unforeseen illness causing a cancellation or interruption of the trip, or if you were required to seek medical attention during the trip. A physician must advise cancellation of the covered trip on or before the scheduled departure date or interruption of the covered trip on or before the scheduled return date. Please keep in mind that reasons such as fear of traveling, government travel restrictions, or if you know you have to take and pass a Covid test in order to travel to your destination will not be covered with Trip Cancellation. These reasons would require the additional “Cancel For Any Reason” benefit in order to be covered.

Answer:

With this benefit, you can literally cancel for any reason whatsoever as long as you met the requirements stated in the policy certificate. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted.

Answer:

That is not something that is covered with Trip Cancellation. You will need "Cancel for any reason" for this concern. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted. The Initial Trip Payment is the very first time any money was exchanged for your trip.

Answer:

Unfortunately, no. The maximum reimbursement with this benefit is 75%. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted.

Answer:

For this type of concern, you will need a policy that has "Cancel for Any Reason" included as this foreseen medical procedure will not be covered under Trip Cancellation. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted.

Answer:

Yes, the standard time frame required to cancel the trip with the Cancel for Any Reason benefit is 48 hours prior to the departure date. Any time after that, you would not be eligible to cancel the trip under this benefit.

Answer:

As long as the cost of the beach house is non-refundable and it is prepaid prior to departure, you can insure that expense with most comprehensive policies. Trip Cancellation reimburses 100% when cancelling for a covered reason listed in the policy certificate. The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote.

Answer:

If one traveler has to cancel for a covered reason, all travelers who are insured are also covered to cancel as well. The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote. Trip Cancellation reimburses 100%.

Answer:

Unfortunately, we do not have any policies that offers just cancellation coverage by itself. This is included with a comprehensive policy. Comprehensive Plans are the most widely known form of coverage and are often called package plans. Typically, a Comprehensive Plan will offer a variety of benefits for travelers, covering a wide range of concerns. Most provide coverage for Trip Cancellation, Trip interruption, Baggage loss, Medical, Dental, Emergency Evacuation, 24 Hour Traveler Assistance, Baggage Delay, Travel Delay, and Accidental Death. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted.

Answer:

Trip cancellation coverage is available as part of a comprehensive plan, which includes other benefits such as emergency medical, baggage and trip delay. We do not offer any trip cancellation only plans currently. Comprehensive plans will offer trip cancellation coverage allowing reimbursement of your prepaid, non-refundable trip cost if you have to cancel or interrupt your trip for a covered reason listed in the policy certificate. If you are concerned you may have to cancel your trip for something other than a covered reason, such as fear of travel related to COVID-19 or state closures, you would want to look at a comprehensive plan that offers optional Cancel for Any Reason protection. There are some eligibility requirements for Cancel For Any Reason protection, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days after making your initial trip payment/deposit, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason selected can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company. If you would like assistance finding a plan that best fits your needs, you can call our Customer Care department at 800-487-4722 to speak with a licensed travel insurance representative.

Answer:

There are plans available that do offer optional Cancel For Any Reason coverage. There are some eligibility requirements for this coverage, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days after making your initial trip payment/deposit, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company.

Answer:

You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons. The Initial Trip Payment is the very first time any money was exchanged for your trip. This would include the use of frequent flyer miles.

Answer:

With "Cancel for Any Reason", you can literally cancel for any reason whatsoever and you do not need to provide a specific reason. You just have to meet the requirements for this benefit to be eligible. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted. To view policies that offer this benefit, if you qualify, click on the "cancel for any reason" filter on the left side of the quote results page.

Answer:

If you are looking to purchase a comprehensive plan with optional Cancel For Any Reason coverage, there are some eligibility requirements. You must be insuring 100% of all pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days of your initial trip payment, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company.

Answer:

You can insure all prepaid non-refundable travel arrangements paid for prior to departure.

Answer:

You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.

Answer:

If you are comfortable with accepting a credit from the travel suppliers there isn't a need to obtain Trip Cancellation coverage. If you wanted other travel protection benefits such as lost baggage or travel delay coverage, it may be a good idea to still obtain a comprehensive policy for your trip. Comprehensive Plans are the most widely known form of coverage and are often called package plans. Typically, a Comprehensive Plan will offer a variety of benefits for travelers, covering a wide range of concerns. Most provide coverage for Trip Cancellation, Trip interruption, Baggage loss, Medical, Dental, Emergency Evacuation, 24 Hour Traveler Assistance, Baggage Delay, Travel Delay, and Accidental Death.

Answer:

It is important to know the details of any directive that has been set forth by the government, and to also review the covered reasons for trip cancellation and interruption on any plans that you are reviewing or have purchased. Since Coronavirus is now a known event, standard travel insurance policies are not going to offer coverage for related flight cancellations or travel warnings. It is best to check with your travel suppliers to see if they are offering options to cancel or reschedule your travel arrangements without additional fees or penalties.

Answer:

We do understand your concern as news of Coronavirus develops daily. It is recommended that you contact your travel agent and/or travel suppliers to see if they are offering the ability to cancel and receive a refund or rebook travel to a later date. Generally, travel insurance does not cover trip cancellation due fear of travel. Also, since events related to Coronavirus are now foreseen, coverage may not be available to cancel your trip on a standard Comprehensive plan. The only way to have any coverage to cancel your trip, would be to purchase a comprehensive plan with optional Cancel For Any Reason coverage selected. There are some eligibility requirements for this coverage, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days of your initial trip payment, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company. Standard Comprehensive plans do generally cover the unforeseen illness, injury or death of a listed traveler, traveling companion or family member. One thing to keep in mind is that the person (traveling or non-traveling) must be in good health at the time that the plan was purchased and may be subject to a pre-existing condition lookback period. If they are not in good health or there are concerns related to pre-existing conditions, a policy with Cancel For Any Reason selected would be the only option to receive reimbursement of a portion of your trip cost in the event you need to cancel your trip for this reason.

Answer:

Unfortunately, this is not a covered reason for cancellation on standard Comprehensive travel insurance plans as they are designed to cover unforeseen, named events.

Answer:

It is It is recommended that you contact your travel agent and/or travel suppliers to see if they are offering the ability to cancel and receive a refund or rebook travel to a later date. Standard travel insurance plans do offer many great benefits, but will not cover cancellation due to Coronavirus fears or travel warnings. Also, Cancel For Any Reason is a time sensitive benefit, meaning you would have to be purchasing your insurance coverage shortly after your initial trip payment/deposit to be eligible. If you made payment toward your trip last fall, unfortunately, you would not qualify for that coverage.

Answer:

Unfortunately, we do not offer trip cancellation only policies. Comprehensive travel insurance plan will include trip cancellation due to a list of unforeseen, covered reasons as well as interruption, damaged/lost baggage, emergency medical, travel delay and more. If you are looking for cancellation coverage due to Coronavirus concerns, The only way to have any coverage to cancel your trip, would be to purchase a comprehensive plan with optional Cancel For Any Reason coverage selected. There are some eligibility requirements for this coverage, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days of your initial trip payment, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company.

Answer:

Cancel For Any Reason is an optional benefit that if selected, can allow a portion (typically 50-75%) of your insured pre-paid non-refundable trip cost if you need to cancel your trip at least two days prior to departure. Cancel For Any Reason is an optional, time sensitive benefit available on some plans. You must meet eligibility requirements, such as purchasing the plan within 10-21 days after making your initial trip payment, insuring the full pre-paid non-refundable cost of your trip, and cancelling at least 2 days prior to departure.

Answer:

You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.

Answer:

You can insure the taxes and fees you paid to redeem the points, as long as the taxes and fees are prepaid and non-refundable. Most providers will cover up to a specified amount for the re-deposit fee to re-deposit the points back in to your account if you had to cancel for a covered reason.

Answer:

The medical coverage with our comprehensive and medical policies will cover you both on the cruise ship as well as on a shore excursion while traveling. The medical coverage is for unforeseen illnesses and accidental injuries that require you to seek medical attention.

Answer:

Comprehensive Plans are the most widely known form of coverage and are often called package plans. Typically, a Comprehensive Plan will offer a variety of benefits for travelers, covering a wide range of concerns. Most provide coverage for Trip Cancellation, Trip interruption, Baggage loss, Medical, Dental, Emergency Evacuation, 24 Hour Traveler Assistance, Baggage Delay, Travel Delay, and Accidental Death. The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. This extends to non-traveling family members as well. To view these plans, please select the Comprehensive filter on the left side of the quote results page. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote.

Answer:

Trip Cancellation provides coverage for many different covered reasons including inclement weather and natural disasters. You can insure all prepaid non-refundable travel arrangements paid for prior to departure. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote. Trip Cancellation reimburses 100%.

Answer:

We do provide annual medical policies for trips that take place outside of your home country. Typically, the trips cannot be longer than 90 days per trip with most plans. To obtain a quote, please fill out the quote form with your very first trip's details and once you arrive on the results page, please click on the button labeled “medical” on the bottom left and view our plans that are labeled “multi trip". Our multi-trip medical plans provide both medical and medical evacuation coverage.

Answer:

Unfortunately, for non U.S residents, we are only able to provide a medical policy. Our medical plans provide emergency medical end medical evacuation coverage when traveling outside of your home country. Comprehensive coverage that includes Trip Cancellation can only be purchased if you reside in the United States and your departing from and returning to your home in the U.S.

Answer:

Yes. The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. Trip Cancellation reimburses 100% with all of our policies listed on our website. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote.

Answer:

You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.

Answer:

If one traveler has to cancel for a covered reason, all travelers who are insured are also covered to cancel as well. The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote.

Answer:

If one traveler has to cancel for a covered reason, all travelers who are insured are also covered to cancel as well. The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote.

Answer:

Yes. You can insure what you have paid for to date, and once you make subsequent payments towards the trip, you can contact us and update your existing policy accordingly, as long these are prepaid non-refundable travel arrangements you pay for prior to departure.

Answer:

Unfortunately, we do not offer policies that have Trip Cancellation by itself. Our best suggestion would be to sort the comprehensive plans from cost, low to high, and select the least expensive comprehensive plan for your Trip Cancellation needs.

Answer:

Only Trip Cancellation, which is separate from Cancel for Any Reason, have these restrictions. With "Cancel for Any Reason" you can literally cancel for any reason whatsoever as long as you qualify. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.

Answer:

Unfortunately, that is not a covered reason with Trip Cancellation. For this concern, you would need a policy that includes Cancel for Any Reason. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted. To view plans that offer this benefit, please select the filter labeled "cancel for any reason" once you arrive on the quote results page.

Answer:

With Trip Cancellation and Trip Interruption, you would insure the prepaid non-refundable cost of the ticket that you paid out of pocket as change fees are not insurable.

Answer:

The amounts you see listed are per person amounts. If you had to cancel for a covered reason, you are reimbursed 100%. The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote.

Answer:

You can insure what you have paid for to date to qualify for this benefit, and as you make subsequent payments or purchases towards the trip, you can contact us as soon as those payments are made and update your existing policy accordingly. This will keep the trip cost insured at 100%, which is a requirement for this benefit.

Answer:

For this type of concern, you would need a policy that includes Cancel for Any Reason. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.

Answer:

If you already have the time off approved by your employer, you can obtain a policy that includes Cancel for Work Reasons. This is designed to cover you in the event your previously approved time off is revoked and you are able to prove this with documentation. However, with cancel for any reason, you can literally cancel for any reason whatsoever with that benefit.

Answer:

For this particular concern, you would need to obtain a policy that includes Cancel for Any Reason. Trip cancellation only provides coverage in the event you had to cancel your trip for a covered reason. Generally, if the tour company cancels the trip and it is not for a covered reason, you wouldn't have coverage unless you purchased Cancel for Any Reason. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.

Answer:

Cancel for Any Reason is a pre-departure benefit and would not work for this situation. Trip Interruption covers you if you had to return home early for a covered reason, and in some cases, the Cancel for Work Reason benefit also applies with Trip Interruption with certain providers. We would highly suggest calling us so a licensed representative can assist you with finding a policy for your upcoming trip.

Answer:

With Cancel for Any Reason, you can literally cancel for any reason whatsoever with that benefit, as long as you qualify. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.

Answer:

Unfortunately, that is not a covered reason under Trip Cancellation with our policies. The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote.

Answer:

Allianz specifically mentions "paid, live-in caregivers" in their definition of Family Member in their policy certificate. The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a "Family Member". To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote.

Answer:

For this type of concern, you would need a policy that includes Cancel for Any Reason. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.

Answer:

For these types of concerns, we always recommend Cancel for Any Reason, however, since the initial deposit was made more than 30 days ago, this benefit will not be available, unfortunately.

Answer:

For this type of concern, we would recommend buying a policy that includes cancel for any reason. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.

Answer:

The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote. This applies to all of our comprehensive plans. If one traveler has to cancel for a covered reason, all travelers are covered to cancel.

Answer:

Travel insurance provides cancellation coverage in the event you had to cancel your trip for a specified covered reason. The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote.

Answer:

The best way to insure this type of trip is buying two separate policies. Most plans do offer a benefit called Cancel for Work Reasons, which is separate from Cancel for Any Reason. If you have the time off already approved and you are concerned that your employer revokes the previously approved time off, that is what this benefit is designed for. If your concern is not being able to get off of work in time for the trip, that is when you will need Cancel for Any Reason. Each traveler would insure 100% of their portion of their trip cost on their policy in order to qualify for that benefit.

Answer:

With Cancel for Any Reason, you can cancel for any reason whatsoever as long as you qualify for that benefit. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.

Answer:

Yes, Cancel for Any Reason is the coverage you will need for this particular concern. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.

Answer:

Unfortunately, our policies that include trip cancellation coverage are only available to U.S Residents.

Answer:

Yes, you can insure your prepaid non-refundable travel arrangements you have paid for to date, and once you make subsequent payments towards the trip such as purchasing airfare, you can contact us and update the amount insured on your policy and adjust the dates on the policy if necessary.

Answer:

There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.

Answer:

Generally, the policies do offer cancellation coverage if you are terminated from employment, however, most policies require that you are employed for at least 1-3 continuous years (depending on the policy).

Answer:

This would be considered foreseen and wouldn't be covered with Trip Cancellation. You would need a policy that includes Cancel for Any Reason for this type of concern. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.

Answer:

Unfortunately, Trip Cancellation does not provide cancellation coverage due to foreseen hazards such as the Zika Virus. For these types of concerns, you would need a policy that includes "Cancel for Any Reason". This benefit allows you to cancel for any reason whatsoever, as long as you qualify for that benefit. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.

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You can purchase a policy up until the day before departure, however; you might not have coverage for some time sensitive benefits. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons. Most plans require that you purchase a policy within 10 - 30 days of your initial trip payment, and insure all prepaid, non-refundable trip costs to receive these time sensitive benefits. We can make a suggestion based on your travel needs. The easiest way to help you narrow the search is to call us at 1-800-487-4722 and we can help find the best plans for your particular concerns.

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Yes, you would include everything pre-paid and non-refundable.

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Trip interruption is the coverage that allows you to end the trip early for specific listed reasons and be reimbursed the unused portion of your trip expenses.

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There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10-30 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip must be canceled more than 2 days prior to departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted. The Cancel For Any Reason will show under its own box. Please make sure to click on the underlined phrase to view the requirements to qualify for this option. If you decide to buy this Rider, make sure to click on the box near the Cancel For Any Reason Rider and hit the 'buy' button at the top or bottom of the quote. Please note that these policies are State-specific.

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Cancel For Any Reason is literally ANY reason. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10-30 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip must be canceled more than 2 days prior to departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted. The Cancel For Any Reason will show under its own box. Please make sure to click on the underlined phrase to view the requirements to qualify for this option. If you decide to buy this Rider, make sure to click on the box near the Cancel For Any Reason Rider and hit the 'buy' button at the top or bottom of the quote. Please note that these policies are State-specific.

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Yes, you insure items based on who is listed on the reservation, not necessarily who pays for it.

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Correct, only pre-paid and non-refundable expenses can be insured.

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You would only need to include any out-of-pocket taxes or fees paid when the tickets were booked. You would also want to include any fee the airline would charge to redeposit your miles back if you canceled the trip.

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As soon as you make the first deposit/booking/payment towards the trip you become eligible to buy insurance. We recommend purchasing it within the first 10-21 days after making this payment (especially if you need coverage for cancel for any reason or pre-existing conditions), but you can technically buy coverage up until the day before departure.

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The length of a "trip" is considered from the day you leave your home until the day you return home and you would insure all prepaid, non-refundable travel arrangements that are made prior to departure. The destination is whichever country you will be spending the most time in during your trip. If you'll be visiting several destinations equally (or spending most of it on a cruise ship) then list the country where your trip begins. You will still be covered while traveling outside of the selected country, so long as you are not visiting a destination that is considered restricted. If a policy does consider certain destinations restricted, you can find this list in the terms and conditions section.

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Since you do not know the cost of your airfare, you can insure what you have for non refundable expenses thus far, to get the policy in place during the time requirement for Cancel For Any Reason. Once you book additional arrangements, you can then call us back within 10/14/21/30 days (policy specific) of booking that arrangement to add it to your policy, pay any additional premium due, and keep your Cancel For any Reason Rider. When you are requesting the optional Cancel For Any Reason Rider you must insure ALL pre paid non refundable expenses. Unless you would receive the full value of the air travel ticket back in cash, the ticket is non refundable. Some airlines offer you the ability to pay a fee and reuse the ticket within a year, this does not equate to being a refundable ticket, because at no point can you get your actual money back. In these types of situations, you would need to insure the full cost of the ticket to be Cancel For Any Reason compliant. When it comes to regular trip cancellation (specific covered reasons), provided you are not insuring for pre-existing medical conditions coverage, on most plans you would be able to insure the "re-issue" fee charged by the airline to re use your ticket if you so choose. Please keep in mind if you choose to do this, and then are unable to use the ticket within the allotted time frame set forth by the airline, you cannot go back and change your claim to the full cost of the ticket.

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Unfortunately, insurance is for unforeseen events. Since you are already aware that you need to make changes to your trip, insurance will not cover this. Also, in the future, the Trip Cancellation benefit is if you need to cancel your trip completely due to a covered reason, and not to reschedule the trip.