Reasons for Trip Cancellation and Interruption (2024)

Please Note: Each of our Worldwide Trip Protector plans include the Trip Cancellation and Trip Interruption coverage described below, as well as Medical Expense and Medical Evacuation and Baggage Delay, Loss, Theft, and Damage. You can also view our complete Plan Comparison Charts and Benefit Explanations.

Cash Advantage Over Airline/Cruise Cancellation Policies

Travel Insured’s reimbursem*nt benefit is an advantage for you to consider when choosing a travel protection plan. While some plans may offer credit towards a specific company, with a deadline, and only for a narrow range of reasons, Travel Insured provides coverage for the many covered reasons listed below, and with cash claims settlements, so you can decide if, when, and how you want to rebook your trip.

Covered Reasons for Trip Cancellation
	Worldwide Trip Protector	Worldwide Trip Protector Edge
Sickness or Injury	✔	✔
Death	✔	✔
Normal Pregnancy or Childbirth	✔	✔
Attending Childbirth	✔	—
Mental, Nervous, or Psychological Condition	✔	✔
Bankruptcy/Default	✔	—
Traffic Accident en Route to Departure	✔	✔
Destination Evacuation	✔	—
Strike	✔	✔
Inclement Weather	✔	✔
Home or Destination Uninhabitable	✔	✔
Divorce or Legal Separation	✔	—
NOAA Hurricane Warning at Destination	✔	—
Hijack or Quarantine	✔	✔
Jury Duty, Subpoena, or Court Order	✔	✔
Military Duty for Natural Disaster	✔	✔
Military Leave Revocation	✔	✔
Host Unable to Provide Accommodations	✔	✔
Terrorist Incident	✔	✔
Theft of Passports/Visas	✔	✔
Felonious Assault	✔	✔
Travel Alert Warning	✔	—
Transfer of Employment	✔	—
Employer Termination	✔	✔
School Year Extension	✔	—
Required to Work	✔	—
Employer Merger/Acquisition	✔	—
Place of Employment Unsuitable for Business	✔	—
Child Adoption	✔	—
Issues Obtaining Visa/Passport	✔	—
Destination Wedding	✔	—
50% or More Trip Loss	✔	—

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 mary vary from each other. Please read the plan document for details.

Covered Costs for Trip Cancellation

unused prepaid, nonrefundable trip costs
cancellation penalties
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
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

Trip Delay, Missed Tour or Cruise Connection, and Itinerary Change

Trip Delay, Missed Tour or Cruise 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

Reasons for Trip Cancellation and Interruption? ›

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.

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What qualifies for trip interruption? ›

Check the plan's list of reasons covered for standard trip interruption insurance—you may find the list is sufficient. It typically includes illness or injury, an evacuation at your destination, a strike, a hurricane warning, a terrorist incident, being required to return to work and more.

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What are valid medical reasons for flight cancellation? ›

Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.

What is a covered reason? ›

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.

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What cancellations are covered by travel insurance? ›

As a general rule, travel insurance covers losses from unforeseen circ*mstances. With flights and trip cancellations, covered reasons include emergencies, such as unexpected natural disasters, the death of a family member or a serious illness or injury.

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What is the difference between trip cancellation and trip interruption insurance? ›

Trip cancellation kicks in if certain medical or non-medical events occur before you leave home, so you're reimbursed on all or some costs, depending on your coverage. Trip interruption reimburses you if a similar set of events occur after you leave home and during your trip and you're forced to return home.

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Do airlines have to tell you the reason for cancellation? ›

You can ask. They don't have to tell you. They do have to tell you whether or not the cancellation was because of a reason within the airline's control (so that you know if you qualify for Rule 240), but that's all they are required to tell you.

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What compensation am I entitled to for a cancelled flight? ›

According to the U.S. Department of Transportation (DOT) airlines in the U.S. are not required to compensate passengers if a flight is delayed or canceled, it only requires compensation if you are moved or bumped from an overbooked flight.

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