Reasons Behind Trip Cancellations Unveiled
When planning a trip, securing travel insurance can provide peace of mind in uncertain times. Here's a breakdown of the coverage offered by our website, helping you understand what's covered and what's not.
Firstly, it's essential to note that claims are not payable if a hurricane is foreseeable on the date it becomes a named storm. Foreseeable events, such as travel alerts or level 4 advisories from the U.S. State Department, are not covered by travel insurance providers, including our website.
However, if travel protection is purchased prior to a destination being placed on the level 4: do not travel list, it would be a covered scenario as it is not foreseeable yet.
Coverage is built into most plans purchased more than 48 hours before the departure date and covers up to 100% of unused, prepaid non-refundable trip costs. Common reasons typically covered by standard trip cancellation insurance policies include illness or injury of the insured traveler, a family member, or a traveling companion; death of the insured, family member, or traveling companion; severe weather conditions that prevent travel; natural disasters; jury duty; job loss; and military orders requiring duty.
For those seeking more flexibility, many providers offer an optional Cancel For Any Reason (CFAR) upgrade. CFAR allows cancellation for almost any reason not typically covered, with partial reimbursement (usually 50-75% of prepaid costs), subject to eligibility and additional premium costs.
If a traveler is already thinking they might need to cancel for a specific reason, that reason is likely a foreseeable event. Therefore, purchasing travel protection before a high likelihood of canceling is advisable to avoid foreseeable events.
In the event of a cancellation, it's crucial to report the incident to the travel supplier within 72 hours. Delays in reporting may result in limited coverage. If you have any questions or need to increase the trip cost, you can call our 24/7 support team.
Trip cancellation coverage is available with our website for specific events that deem a claim eligible, known as covered reasons. These cover the policyholder, family members, traveling companions, business partners, hosts at the destination, and travel suppliers. Covered reasons also include medical complications, death, sickness or injury, complications of pregnancy, quarantine, natural disasters, transportation issues, crime, financial defaults, work and service obligations, terrorism, and travel alerts.
In summary, your travel insurance on our website likely covers cancellations due to illness, injury, death, severe weather, and similar significant unforeseen events, with the option to purchase CFAR for broader cancellation reasons. Always check the specific policy details for your plan to confirm the covered reasons.
- When planning a vacation, securing travel insurance from our website can offer peace of mind in unpredictable situations, as it covers unforeseen events like illness, injury, and severe weather.
- It's essential to be aware that travel insurance doesn't cover foreseeable events, such as travel alerts or level 4 advisories from the U.S. State Department, or hurricanes that are foreseeable on the date they become a named storm.
- If you purchase travel protection and later find your destination on the level 4: do not travel list, it would be considered a covered scenario as it wasn't foreseeable at the time of purchase.
- Standard trip cancellation insurance policies typically cover reasons such as the traveler's illness or injury, job loss, or military orders, offering up to 100% reimbursement for prepaid, non-refundable trip costs.
- For greater flexibility, you can opt for an additional Cancel For Any Reason (CFAR) upgrade, which provides coverage for almost any reason not typically covered (with partial reimbursement) for a higher premium.
