Details on justifications for scrapped travel arrangements highlighted
Trip Cancellation: Let's Break it Down
Welcome to the lowdown on trip cancellation! We're lifting the veil on what you're covered for when your plans go awry. In this post, we're diving into the essentials you need to know about trip cancellation benefits with our quirky travel website's plan.
What's a Covered Reason?
Covered reasons are the specific events that make you eligible to file a claim and receive reimbursement. With our website, trip cancellation coverage is commonly included with plans purchased more than 48 hours before your departure date. This means you're protected for up to 100% of your unused, prepaid, non-refundable trip costs, covering flights, hotel bookings, tickets, and activities. Just remember, your total trip cost should represent the sum of the non-refundable expenses for your trip (exclude refundable expenses like refundable airfare, as they'll be given back by airlines directly). Have questions? You can always reach our 24/7 support team or bump up the trip cost pre-trip if needed.
Trip Cancellation Covered Reasons with our Website
Now, let's take a closer look at what our website's trip cancellation coverage protects you from. Here are the covered, unforeseen events that might necessitate a claim:
Medical complications and death
- Death of you, a family member, traveling companion, or their family member or business partner before departure.
- Sickness or injury of you, a family member, traveling companion, traveling companion’s family member, or business partner that occurs before departure and is diagnosed by a physician, causing trip cancellation.
- Pregnancy complications verified by medical records and diagnosed after coverage effective date.
- Your host at the destination is unable to provide accommodations due to death or severe injury.
- Quarantine due to illness.
Natural disasters and transportation issues
- Direct involvement in a traffic accident en route to trip departure city, documented by a police report.
- Airport shutdown by local authorities for at least 6 consecutive hours due to reasons other than terrorism or war.
- Mandatory evacuation at your scheduled destination due to natural disaster.
- Home or planned destination becoming uninhabitable due to natural disaster or burglary. Please note, claims are only payable if the hurricane isn't foreseeable prior to your effective date.
Crime and financial defaults
- Documented theft of passports, visas specifically required for your trip.
- Felonious assault of you or traveling companion within 10 days prior to departure.
- Financial insolvency or default of a travel entity that causes a complete cessation of travel services, as long as it occurs more than 14 days following your effective date for trip cancellation benefit. Benefits will be paid due to financial insolvency or default of an airline only if no alternate transportation is available.
Work and service obligations
- Subpoena, court order, jury duty, or witness duty (provided you're not a party to the legal action, except law enforcement).
- Active military duty or aid in event of a natural disaster.
- Revoked or reassigned military leave.
- Involuntary termination or layoff from job, as long as your employment tenure is at least one year and you're not a temporary, seasonal employee, independent contractor, freelancer, or self-employed person.
Terrorism and Travel Alerts
- Hijacking.
- Terrorist incident by a recognized terror organization within 30 days of your scheduled departure date in a city listed on your itinerary.
- Travel alert or warning for levels 4 and higher issued for cities listed on your itinerary after your effective date for trip cancellation, as long as it occurs within 30 days of your scheduled departure date.
When to Cancel Your Trip
Don’t forget to notify travel suppliers, such as airlines, within 72 hours of the event causing the need to cancel. If reporting is delayed beyond 72 hours, notify them as soon as possible. With our website, coverage doesn't extend to increased amounts of unused, non-refundable prepaid payments or deposits resulting from reporting delays beyond 72 hours.
Covered Reasons vs. Foreseeable Events
Our website and most travel insurance providers don't cover expected or foreseeable events or problems. To summarize, if you're buying travel protection and already anticipate canceling for a specific reason, it's likely a foreseeable event. In such cases, plan your trip with minimal cancelation risks.
A common example of foreseeable events is a level-4 travel alert. If you book a vacation, and your destination lands on the level-4: do not travel list from the U.S. State Department after purchasing travel protection, you won't be covered. However, if you insure your trip before your destination is added to the list, it would be a covered scenario, as it's not foreseeable at that point.
Embrace the Journey with our Website
We hope we've made it clearer what a covered reason for trip cancellation is! Have questions? Drop us a line at support@our website.
Protect my trip
- Under our travel website's plan, trip cancellation coverage typically applies when events like medical complications, death, natural disasters, transportation issues, crime, financial defaults, work or service obligations, or terrorism cause travel disruptions.
- For eligible claims, our website reimburses up to 100% of unused, prepaid, non-refundable trip costs, covering flights, hotel bookings, tickets, and activities.
- Covered events due to medical complications and death include the death of travelers, family members, or partners, illnesses before departure, pregnancy complications, unavailable accommodations, and quarantine.
- Natural disasters and transportation issues on the covered list consist of traffic accidents en route, airport shutdowns, mandatory evacuations, home damage, and burglaries, provided the hurricane isn't foreseeable prior to the effective date.
- Crime and financial defaults covered reasons involve documented theft of passports or visas, assaults, financial insolvency, airline cessation of travel services, military duty, job termination, and terrorism incidents within 30 days of the scheduled departure date.
