Explained rationales for terminating travel plans
Taking the Unexpected out of Travel Cancellations: A Lowdown
Let's cut to the chase and demystify trip cancellation scenarios for you. Here's the lowdown on what to expect when you book travel insurance with us.
When is a cancellation considered 'covered'?
A covered cancellation refers to unforeseen events or circumstances that force you to scrap your trip. These events can potentially put a dent in your pocket if you don't have travel insurance.
With our travel insurance, common covered reasons include:
- Medical emergencies: Illness, injury, or death affecting you, your travel partner, or family members[1][2].
- Mishaps due to inclement weather or natural disasters: Adverse weather conditions at the destination or point of departure[1][3].
- Job woes: Unexpected job requirements or unexpected job loss[3].
- Jury duty issues: Called for jury duty as a juror[3].
- Flight difficulties: Travel disruptions due to flight delays or cancellations[4].
Digging into our coverage details
Now, let's delve deeper into the specifics of what our trip cancellation coverage covers:
Medical complications and death
- Death or illness of you, a traveling companion, a family member, or a business partner, before departure.
- Sickness or injury requiring medical treatment prior to cancellation, leading to disabling conditions that necessitate trip cancellation.
- Complications of pregnancy verified by medical records.
- Host's inability to provide accommodations due to sickness, injury, or death.
- Quarantine requirements.
Natural disasters and transportation issues
- Traffic accidents en route to departure city, documented by a police report.
- Government-mandated shutdowns of airports or air traffic control systems.
- Mandatory evacuations at the destination due to a natural disaster or burglary.
- Uninhabitable residences or destinations due to natural disasters or burglary.
Crime and financial defaults
- Theft of passports or visas specifically required for travel, as documented by a police report.
- Felonious assault within 10 days prior to the scheduled departure date.
- Financial insolvency or default of an entity providing travel arrangements, causing a complete cessation of travel services (if this occurs more than 14 days following your effective date for trip cancellation).
Work and service obligations
- Subpoenas, court orders, jury service, or witness appearances (excluding legal action you are a part of).
- Active military duty or natural disaster aid.
- Revoked or reassigned military leave.
- Involuntary termination or layoff from work, provided you have been employed with the same employer for at least one year.
Terrorism and travel alerts
- Hijacking incidents.
- Terrorist activities by recognized terror organizations within 30 days of the scheduled departure date in a city listed on the itinerary.
- Travel alerts or warnings for levels 4 and higher for destinations on your itinerary after your effective date for trip cancellation.
When to pull the plug on your trip
Remember to report cancellations to the travel vendor (e.g., airline) within 72 hours of the event causing the need to cancel. Delays in reporting the cancellation beyond 72 hours may not be covered.
Also, it's essential to understand the difference between covered reasons and foreseeable events. Travel insurance doesn't cover expected or foreseeable events or problems, such as a Level 4 travel alert imposed on a destination already on your itinerary before buying travel protection[5].
If a destination lands on the "Do Not Travel" list from the U.S. State Department and you buy travel protection after it's on the list, you won't be covered. However, if you cover your trip prior to your destination being placed on the list, it would be a covered scenario, as it is not foreseeable yet.
Traveling the easy way with us
We hope we've shed some light on trip cancellation scenarios! If you still have queries, feel free to reach out to our support team at support@our website.
Travel with peace of mind
- In case of a medical emergency, illness, injury, or death affecting you, your travel partner, family members, or business partners before departure, your trip could be covered with our travel insurance.
- When adverse weather conditions at your destination or point of departure disrupt your flights or cause natural disasters, travel insurance coverage comes into play.
- Unexpected job requirements or loss may force you to cancel your trip, but with our travel insurance, you can be protected.
- Juror duty or unexpected subpoenas, court orders, or witness appearances could also potentially be a covered cancellation.
- If a hijacking incident, terrorist activities by recognized terror organizations, or travel alerts or warnings for levels 4 and higher occur near your travel destinations after purchasing travel protection, your trip cancellations may be covered, provided they were not foreseeable beforehand.
