AIG Travel is the largest travel insurance provider in the United States, protecting more than 6 million travelers every year. It provides some of the broadest coverage in the travel insurance industry. They review claims within 24-hours of receipt.
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It is true that both these situations would not be covered under a standard trip cancellation policy. Specifically for school-related cancellations, you would need a policy that included Cancel For Any Reason.
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.
Please feel free to contact us in the future, when planning your next trip. Our representatives are available 7 days a week and can be reached at 1-800-487-4722.