Reasons for Trip Cancellations Clarified

Get the lowdown on canceling your trip and understand what's actually covered. Let's dive into the nitty-gritty of trip cancellation benefits with our platform.

To begin with, what triggers a covered event?

Covered events are particular circumstances that qualify you to submit a claim and receive compensation on approved reimbursements.

Trip cancellation coverage is embedded in most plans bought more than 48 hours prior to your departure date on our platform. This means you're insured for up to 100% of unused, pre-paid, non-refundable trip costs, including flights, hotel bookings, tickets, and activities. Just remember, your trip cost is the amount you input when purchasing our plan, so ensure it reflect the total non-refundable expenses for your vacation (it's best to exclude refundable expenses, like refundable airfare, as it will be returned by the airline directly). If you have any queries, our 24/7 support team is here to help, and you can always increase the trip cost pre-trip if necessary.

Our platform's trip cancellation covered events

Now, let's delve into the specificities of what our platform's trip cancellation coverage shields you from. Here's a list of covered, unforeseen events for which you can receive reimbursement:

Death of you, a family member, a travel companion, a travel companion's family member, or a business partner prior to departure.
Illness or injury of the same individuals, certified by a physician, that occurs before departure and is disabling enough to necessitate cancellation.
Business partner's sickness or injury that renders them unable to manage their business, causing you to cancel your trip.
Complications of pregnancy for you or your traveling companion, verified by medical records, that occur after the effective date of coverage.
Host at your destination unable to provide accommodations due to a life-threatening sickness or injury or death.
Quarantine of you or your traveling companion.

Natural disasters and transportation issues

Involvement in a traffic accident while en route to your trip, documented by a police report.
Shutdown of an airport or air traffic control system by local authorities for at least 6 consecutive hours, oriented not towards terrorism or acts of war.
Mandatory evacuation due to a natural disaster at your destination, prohibiting travel to or arrival at your destination.
Your residence or the destination becoming uninhabitable during your trip due to a natural disaster or burglary.

Crime and financial defaults

Theft of passports or visas specifically required for your trip, with a police report provided.
Felonious assault within 10 days prior to the trip departure date.
Financial insolvency or default of an entity providing travel arrangements that causes a complete cessation of services. Benefits will be paid for financial insolvency or defaults solely if no alternate transportation is available.

Work and service obligations

Subpoena, court order, jury duty, or witness status, provided you or your traveling companion are not party to the legal action (except as a law enforcement officer).
Military duty or aid provision in the event of a natural disaster.
Revoked or reassigned military leave.
Involuntary termination or layoff from your job, with termination notice occurring at least 1 day after the effective date of trip cancellation coverage.

Terrorism and travel alerts

Hijacking.
Terrorist incident by a recognized terror organization within 30 days before the scheduled departure date in a city listed on the itinerary.
Travel alert or warning for levels 4 and higher issued for cities on the itinerary after the effective date of trip cancellation, occurring within 30 days of the scheduled departure date.

Reporting trip cancellations

Don't forget to inform travel suppliers like airlines within 72 hours of the event causing the cancellation. If reporting is delayed beyond 72 hours, make sure to report the event as soon as possible. Our platform does not cover increased amounts of unused, non-refundable prepaid payments or deposits resulting from delays in reporting beyond 72 hours.

Covered reasons vs. foreseeable events

Most travel insurance providers, including our platform, do not cover expected or foreseeable events or problems. In other words, if you contemplate that you may need to cancel for a specific reason while purchasing travel protection, then that reason is probably foreseeable. If this is the case, it's best to arrange your trip when there isn't a high likelihood of canceling.

A typical example of foreseeable events is a level 4 travel alert. If you book a vacation and your destination appears on the level 4: 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 purchase coverage prior to your destination being placed on the list, it would be a covered scenario, as it is not foreseeable yet.

Travel smarter with our platform

We hope we've clarified what a covered reason for trip cancellation is! Have additional questions? Feel free to reach out to our support team at support@our platform.

Protect your trip

The death or illness of you, a family member, a travel companion, a travel companion's family member, or a business partner, as certified by a physician, can trigger a covered event for trip cancellation, providing reimbursement for non-refundable trip costs.
Natural disasters, such as mandatory evacuation due to a natural disaster at your destination or your residence becoming uninhabitable during your trip due to a natural disaster or burglary, also qualify as covered events for trip cancellation.
Crime and financial defaults, like theft of passports or visas required for your trip or financial insolvency or default of an entity providing travel arrangements causing a complete cessation of services, are other examples of covered events.
Work and service obligations, such as subpoena, court order, jury duty, military duty, revoked or reassigned military leave, or involuntary termination or layoff from your job, can also lead to trip cancellation coverage.
Certain terrorism and travel alerts, like hijacking, a recognized terrorist incident within 30 days before the scheduled departure date in a city listed on the itinerary, or travel alerts or warnings for levels 4 and higher issued for cities on the itinerary after the effective date of trip cancellation, can also be covered events for trip cancellation.

Reasons for Trip Cancellations Clarified