Reasons given for trip cancellations clarified

Understanding Trip Cancellation Coverage: A Comprehensive Guide

We delve into the intricacies of trip cancellation coverage provided by our travel website to help you navigate the fine print. Here, we shed light on the specific circumstances that qualify for claims and reimbursement.

Understanding Covered Reasons

Covered reasons encompass certain events that justify trip cancellations and subsequent compensation for approved claims. Notably, trip cancellation coverage is often included in plans purchased over 48 hours before the departure date, offering protection for up to 100% of non-refundable, prepaid travel costs, including flights, accommodations, tickets, and activities.

Our Website's Covered Reasons for Trip Cancellation

In this section, we outline the specific circumstances that travelers can claim reimbursement for due to unexpected occurrences:

Medical Complications and Death
Death of you, a family member, traveling companion, their family member, or business partner prior to departure.
Sickness or injuries that necessitate a physician's examination and treatment before cancellation, rendering you incapable of traveling due to certified medical restrictions.
Sickness or injury causing business disruption for your travel partner.
Pregnancy complications verified by medical records occurring after coverage effective date.
Inability of the host at your scheduled destination to provide accommodations due to critical health issues or death.
Quarantine of you or your traveling companion.
Natural Disasters and Transportation Issues
Traffic accidents affecting you or your traveling companion en route to the departure city, as evidenced by a police report.
Complete cessation of airport or air traffic control services for at least 6 consecutive hours due to local government shutdown, excluding terrorism and acts of war.
Mandatory evacuation orders at your scheduled destination due to a natural disaster that hinders travel.
Uninhabitable residences or destinations caused by natural disasters or burglaries during your travel period.
Crime and Financial Defaults
Documented theft of passports or visas specifically required for your trip, requiring a police report.
Felonious assault suffered by you or your traveling companion within 10 days before the scheduled departure date.
Financial insolvency or default of an entity supplying travel arrangements, resulting in a complete cessation of travel services (this may be applicable only if no alternative transportation is available).
Work and Service Obligations
Subpoenas, court orders, jury duty, or witness requirements, provided you or your traveling companion are not implicated in the legal action, except for those acting in a law enforcement capacity.
Mandatory military duty or provision of aid in natural disaster scenarios.
Revocation or reassignment of previously granted military leave.
Involuntary termination or layoff from employment, contingent on notice received at least 1 day after the trip cancellation effective date, for employees with at least 1 year of uninterrupted service.
Terrorism and Travel Alerts
Hijacking.
Terrorist incidents by recognized terror organizations within 30 days prior to your departure date in a city listed on your itinerary, if your travel supplier did not offer a viable alternative itinerary.
Travel alerts or warnings for levels 4 and above issued for cities on your itinerary after your coverage effective date, within 30 days of scheduled departure date.

Cancellation Guidelines

Remember to inform travel suppliers, such as airlines, within 72 hours of the event causing the cancellation. Delays in reporting the cancellation beyond 72 hours may affect reimbursement for additional non-refundable costs.

Foreseeable vs. Unforeseen Events

Our website, like most travel insurance providers, does not cover expected or foreseeable events or issues. In other words, if you suspect you might need to cancel a trip, that reason is likely foreseeable. To mitigate potential cancellations, plan your trip when the likelihood of cancellation is lower.

A common example of foreseeable events is a level 4 travel alert. Cancelling a trip and then purchasing travel protection when your destination is on the level 4: do not travel list from the U.S. State Department will not provide coverage. However, if coverage is purchased before the destination is added to the list, it may be considered a covered scenario because it was not foreseeable at the time of purchase.

For additional questions, contact our support team at [email protected].

To ensure protection for your travel expenses, it is advisable to purchase trip cancellation coverage at least 48 hours before the departure date.
Unexpected medical complications or death in your family, traveling companion, business partner, or host at your destination may qualify for a claim under the trip cancellation coverage.
In case of natural disasters or transportation issues that hinder your travel, such as mandatory evacuation orders, uninhabitable destinations due to natural disasters or burglaries, or complete cessation of airport services, you may be eligible for reimbursement.
Crime and financial defaults, such as documented theft of travel documents, felonious assault, or financial insolvency of a travel service provider, could also justify a trip cancellation claim.
Work and service obligations, including subpoenas, court orders, military duty, or involuntary job termination, can be covered reasons for trip cancellation, provided specific conditions are met. Ensure to follow the cancellation guidelines and inform travel suppliers within 72 hours of the event.