At InsureMyTrip, we know the importance of expecting the unexpected when it comes to travel insurance. Lucky for you, and all of our travelers, there are two different benefits that will cover a cancelled trip: trip cancellation and Cancel for Any Reason
Trip Cancellation
You will find basic trip cancellation coverage in every comprehensive policy. This will extend coverage for the cancellation of a trip for specific unforeseen, covered reasons.
Commonly, travel insurance plans, including cruise insurance plans, will cover reasons such as:
- 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
- Weather or common carrier related issues (varies by policy)
- Unforeseen natural disasters at home or the destination
- A legal obligation, such as being called for jury duty or to appear as a witness in court
The details vary from provider to provider and with each plan. If you do need to cancel, you will be reimbursed 100% of the prepaid, non-refundable trip cost for which you are insured and can provide documentation. All of this coverage, is only if the trip is cancelled due to a specific, unforeseen covered reason.
Cancel for Any Reason
Cancel for Any Reason (CFAR) is an optional travel insurance benefit available on some of the plans available with InsureMyTrip. Usually, this benefit is an additional charge on the plan, but it comes with extended coverage that you may find worthwhile.
Unlike basic trip cancellation coverage, the CFAR benefit has a few eligibility criteria:
- Depending on the policy, only available within 10-21 days of initial trip payment
- You MUST insure 100% of your pre-paid, non-refundable trip cost
- Cancellation with the travel supplier must occur 48 or 72 hours before departure date, depending on the plan
- Benefits may only cover between 50%-75% depending on the policy.
With CFAR, it doesn’t matter why you have to cancel your trip – you just can. Often times, travelers will purchase CFAR coverage when traveling to a part of the world with civil or political unrest. This allows the traveler to cancel if uncomfortable with leaving for the trip – second thoughts, fear of safety or a bad omen appeared. Regardless the reason if you are outside 48 hours before your trip, you can cancel.
Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.
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Question
I made a first trip payment in February 2018. Can I insure it now?
By Tracy - August 26, 2018
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.
By MattG - August 28, 2018
Question
Planning a family vacation for a week in July-August 2019. Beach home rental is $8995.00 for the week. Both my wife and I are 80 plus years old and in good health. However, if a health crisis or death should prevent our family vacation and the pre-paid rental fee be non-refundable, would an insurance policy cover our potential loss?
By Bill - October 30, 2018
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.
By MattG - October 31, 2018
Question
I live in the United States, but I am planning on purchasing airline tickets for my cousins who live in Italy to come visit me. I would like to add trip cancellation insurance for them. Being that they are not US residents will the trip cancellation insurance still apply to them?
By SebastianoS - January 21, 2019
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.
By MattG - January 22, 2019
Question
Do you have a yearly plan?
By Marie - March 30, 2019
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.
By MattG - March 30, 2019
Question
We are booking a cruise for February and we live in Buffalo, NY. If the airport was closed due to snow, how would that work? The ship would be sailing without us so would we be reimbursed for our flight and cruise?
By Nancy - May 17, 2019
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%.
By MattG - May 18, 2019
Question
We are planning on renting a condo in Florida for two weeks in September. However, my parents are very elderly and we’d have to cancel if there is a problem. What kind of trip insurance should I get?
By Michele - July 15, 2019
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.
By MattG - July 16, 2019
Question
We are going on a cruise with stops in many ports in Spain. Two questions: 1. If we were to become ill on the ship (flu or bad cold, etc), would the insurance cover medical treatment? 2. If we were on a tour in one of the ports and we were injured due to a slip or fall, would medical treatment be covered?
By Leslie - August 11, 2019
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.
By MattG - August 12, 2019
Question
Does trip cancellation insurance include tickets bought using airline frequent fliers points or rewards?
By Diana L - August 12, 2019
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.
By MattG - August 12, 2019
Question
Can I buy cancellation insurance for my trip in February even if I did not purchase it at the time of booking my trip?
By Pamela - December 26, 2019
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.
By MattG - December 26, 2019
Question
can i use my CFAR for airline tickets which are non refundable?
By a - March 7, 2020
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.
By Meghan - March 9, 2020
Question
I need hotel cancellation only. Not travel interruption,lost baggage,missed connection.
By Phyllis - March 9, 2020
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.
By Meghan - March 11, 2020
Question
Right now we have the Covid-19 virus hitting many provinces and countries. Last fall we booked a trip to Venice Florida for a months stay. We never bother to buy cancellation insurance on the flights and most times of our travels we don't bother. If we have to cancel because of this virus will we be entitled for a refund on flights or a voucher for another time of travel?
By RosalindC - March 9, 2020
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.
By Meghan - March 11, 2020
Question
NCAA Final Four tournament in Atlanta was canceled. Will flight insurance cover this?
By StuE - March 11, 2020
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.
By Meghan - March 12, 2020
Question
What if I have a death on the family, for example, but then our flight is also canceled due to flights being suspended due to corona virus? Would insurance apply because of my circumstances or be excluded because of corona virus?
By Alissa - March 11, 2020
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.
By Meghan - March 12, 2020
Question
The U.S. State Department has prohibited entry to the U.S. from Europe for 30 days effective Friday 13MARCH2020. I will be in Europe with a return date during this time. If I can’t return is this covered in any manner?
By Bill - March 12, 2020
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.
By Meghan - March 13, 2020
Question
We are planning to go to Denver in 3 weeks. We purchased tickets last night through United and they are offering no change/cancellation fees and the tickets can be used up to 12 months from date of issue. Is it worth purchasing travel insurance in this case? Or is it redundant coverage?
By Anna - March 12, 2020
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.
By MattG - March 16, 2020
Question
Does this cover flights that were booked prior to buying this insurance? Thanks!
By Hanna - March 12, 2020
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.
By MattG - March 16, 2020
Question
Will the purchase of Cancel for Any Reason insurance reimburse me for prepaid terminal parking, prepaid internet service, prepaid beverages like water bottles in the cabin, prepaid gratuities, prepaid excursions and the prepaid cabin on a cruise?
By Shulammite B - March 12, 2020
Answer
You can insure all prepaid non-refundable travel arrangements paid for prior to departure.
By MattG - March 16, 2020
Question
I have a question: If I already purchased a “trip that is paid “ for to another country that is all inclusive, Can I still purchase Cancel for any reason Insurance? Also, how much will if cover on my trip ?
By Marie - March 13, 2020
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.
By Meghan - March 13, 2020
Question
Would a Cancel For Any Reason cover cancellation of a November trip to Costa Rica trip if my horse becomes seriously ill close to my departure date? Would this require a letter from my veterinarian to comply? Thanks.
By Susan - March 16, 2020
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.
By MattG - March 17, 2020
Question
I booked flights using miles and only had to pay the taxes. I have yet to book lodging. Therefore, my question is whether or not I can buy the insurance only when I purchase lodging?
By Gabriela - March 19, 2020
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.
By MattG - March 21, 2020
Question
Are you still offering cancel for any reason insurance?
By SandraS - March 27, 2020
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.
By Meghan - March 27, 2020
Question
What type of policy covers the expenses of a beach house rental cancellation? We would only need that cost covered, no airfare or medical or baggage claim.
By MeganB - June 6, 2020
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.
By Meghan - June 11, 2020
Question
Can i buy a policy that covers ONLY trip cancellation - either trip cancellation of cancel for any reason?
By RobertV - October 25, 2020
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.
By MattG - October 26, 2020
Question
If I am planning a trip including a rental property with three family members, and one of us gets sick, will this policy cover cancellation by all people staying at the property? In other words, can we all decide to cancel the trip if one of us gets too sick to go?
By DonnaK - February 3, 2021
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%.
By MattG - February 4, 2021
Question
I want to rent a beach house and if I get sick and need to cancel the weekly rental will I get my money back?
By MarleneC - March 29, 2021
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.
By MattG - March 30, 2021
Question
Do ALL policies for CFAR insurance need you to cancel 48 hours before your trip? what if you find out a day before or a few hours before?
By KarenS - March 30, 2021
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.
By MattG - March 30, 2021
Question
I am planning a holiday with a friend in 2022 - she is due for a knee replacement sometime - we do not know when. If this happens when we should be away - how do we stand if we cancel?
By AnnD - May 2, 2021
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.
By MattG - May 3, 2021
Question
Do any plans cover 100% for cancel for any reason?
By JasonU - May 4, 2021
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.
By MattG - May 5, 2021
Question
my daughter is planning to go to France. She had to turn over her passport with her visa application and her approval has not come back, her trip and lodging is already paid for. my question is can she buy travel insurance to cover her flights just in case she has to reschedule her departure date?
By ShavonnaJ - June 23, 2021
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.
By MattG - June 24, 2021
Question
We have the cancel for any reason travel insurance, will it cover not getting your passport in time to make your trip?
By EthelS - July 15, 2021
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.
By MattG - July 21, 2021
Question
Are there any insurance policies that cover covid if you have paid deposit on trip more than a month ago?
By Joan - August 26, 2021
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.
By MattG - August 30, 2021
Question
If I am not going on my trip do I get my premium for trip protection refunded?
By KarenP - July 10, 2022
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.
By MattG - July 12, 2022
Question
I need to understand reimbursement for death of a family member not included in the travel group or non-travel member. If there is a death before the trip then cancellation but must be within 48 hours of departure. What if there is a death of a non-travel family member and the trip is cut short? The accommodations I’m trying to book are non-refundable. Would trip cancellation policy cover cancellation for a death of non-travel member before and/or during the trip?
By TerriC - July 22, 2022
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.
By MattG - July 23, 2022
Question
I am paying for a trip to Africa for a friend and I. She is not a US citizen and will be covered for medical only. If I buy cancellation for the trip and she gets sick and can't go, thus i can't go, do I get reimbursed for the whole trip (that I paid for) or just half?
By ChristieN - August 25, 2022
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.
By MattG - August 27, 2022
Question
Can I cancel and have full refund if a family member dies?
By JenniferS - August 27, 2022
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%.
By MattG - September 1, 2022
Question
Insurance purchase deadline?
By Tim - September 13, 2022
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.
By MattG - September 14, 2022
Question
With cancel for any reason, is it truly any reason? Like I just changed my mind...
By NinaS - July 25, 2023
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.
By MattG - August 5, 2023