Trip Cancellation & Interruption Insurance

Reimburses non-refundable travel costs if travel plans are cancelled before departure or interrupted after departure.

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What is trip cancellation and trip interruption insurance?

Trip Cancellation and Interruption Insurance is useful for safeguarding your travel investments against unforeseen events. This insurance provides financial reimbursement if you need to cancel your trip before departure or if your journey is interrupted after it has begun. It covers non-refundable and prepaid travel expenses, such as flight tickets, hotel bookings, and tour reservations, that can't be recovered from any other source.

Cancellation coverage is activated if unforeseen circumstances like illness or injury prevent you from starting your trip, ensuring you're reimbursed for expenses already paid. Interruption coverage, on the other hand, responds if your trip is unexpectedly cut short or altered due to emergencies, covering additional costs such as rebooking fees or last-minute accommodations.

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Cover Non-Refundable Trip Costs

Reimburses prepaid, non-refundable travel expenses for cancellations or interruptions.

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Emergency Flexibility

Assists with extra costs due to unexpected trip changes or emergencies.

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Broad Coverage

Covers a wide array of reasons for trip cancellation or interruption. 'Cancel for Any Reason' available.

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How does trip cancellation and interruption insurance work?

  • Assess Non-Refundable Costs: Identify the non-refundable part of your trip expenses, such as prepaid flights, hotels, and tours, which can't be recovered through refunds or credits.

  • Purchase Before Departure: Obtain your trip cancellation and interruption insurance prior to leaving and shortly after incurring any non-refundable trip expenses. This ensures your coverage is active for the entire duration of your trip.

  • Claim for Trip Cancellation: If you need to cancel your trip before departure due to a covered reason (like illness or unforeseen events), you can file a claim to reimburse these non-refundable expenses.

  • Claim for Trip Interruption: In case you need to cancel or alter your trip after it has started due to a covered reason, you can submit a claim for reimbursement of incurred additional costs, such as rebooking or accommodation expenses.

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How much does trip cancellation and interruption insurance cost?

Trip Cancellation & Trip Interruption coverage is designed to reimburse you for the non-refundable portion of your trip. For that reason, there are really only two primary factors that affect pricing:

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Insurance costs generally increase with age.

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Coverage amount

Equivalent to the non-refundable portion of your trip.

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Talk to an advisor who can understand your situation, answer your questions and help you build an insurance plan appropriate for you and your family.

Frequently asked questions

Answers to key questions about Trip Cancellation and Interruption Insurance

What is a covered reason for trip cancellation?

A valid reason for trip cancellation is usually an unexpected event that's listed in your travel insurance policy. If one of these events happens, you might be able to claim insurance for cancelling, delaying, or cutting short your trip. It's important to read your policy to know all the reasons. Some common examples include:

  • Sudden illness, injury, or death of you or a family member.
  • Being unable to join a sports event due to a medical issue, if the trip was for that event.
  • Natural disasters at your home or destination.
  • Legal duties like jury service or being a court witness.
  • Military, police, medical, or fire personnel being called to duty.
  • Losing your job unexpectedly and without a valid reason.

Your policy documents will outline exactly what is covered by your trip cancellation coverage and under what conditions the insurance will respond.

What is the Difference Between Trip Cancellation and Trip Interruption Insurance?

Trip cancellation insurance helps cover the cost of your trip if you can't go for a reason covered by your policy, like a family member's illness or bad weather. This is for expenses you paid before your trip that you can't get back (i.e. non-refundable expenses). Trip cancellation insurance will not reimburse for expenses that you can get a refund or credit for.

Trip interruption insurance, on the other hand, is for problems that happen after you've started your trip. For example, if you need to end your trip early or extend it because of a covered reason, this insurance can pay you back for these costs, up to a certain limit.

Will Travel Insurance Cover Me if I Cancel My Flight?

Travel insurance may provide reimbursement for non-refundable flight costs if you cancel your flight for a reason that's covered under your policy, such as a medical emergency or severe weather conditions. However, if the airline offers you a credit for future travel as compensation for the canceled flight, this is considered a form of reimbursement. In this scenario, your travel insurance provider may not offer additional reimbursement, as the credit from the airline is deemed to fulfill that obligation. It's important to note that this applies even if you did not request the credit or choose not to use it.

Can Travel Insurance Reimburse Hotel Costs?

Yes, travel insurance with trip cancellation and interruption benefits can cover hotel costs in certain situations:

  • Before Your Trip: If you cancel your trip for a covered reason before it starts, you can be reimbursed for pre-paid, non-refundable hotel costs.
  • After Departure: If your trip is cut short due to a covered reason, you can get money back for pre-paid (non-refundable) portions of hotel bookings. Additionally, you may be reimbursed for extra costs like new hotel stays and meals, up to certain limits.

Still have questions?

Please contact our office and we'll be happy to address any questions you may have.