Travel Insurance: Trip Interruption, Medical & More (2024)

FAQs

What qualifies as trip interruption for travel insurance? ›

Covered reasons vary by policy, but they typically include unavoidable and serious situations like illness, injury, required quarantine, required evacuation, natural disasters, terrorism incidents, and more.

The unexpected death, sickness or injury of you, a travelling companion, or a family member. You need to attend the birth of a family member's child. Travel carrier cannot get you to your destination due to a natural disaster or severe weather.

The trip disruption benefit can reimburse you for your non-refundable expenses such as transport, accommodation, tours, or activities that you have already paid for, if your trip is disrupted due to the reasons outlined in PDS.

With trip delay insurance, the policy can pay for short-term unexpected delays to your travel, which can include meals, accommodations and transportation costs. A trip interruption benefit may help cover costs in the event your trip is cut short due to a problem covered by the policy.

Most travel insurance policies won't pay out if you're negligent while under the influence of alcohol or drugs, and have an accident or have property stolen.

According to Allianz Global Assistance, a travel insurance provider, "Trip cancellations and trip interruptions due to known, foreseeable, or expected events, epidemics, or fear of travel are generally not covered."

The most common covered reason is unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member. Other common covered reasons include terrorism, inclement weather, or a natural disaster, among others. Not being able to travel as planned is a major concern among travelers.

Claims due to known, foreseeable, or expected events, epidemics, government prohibitions, warnings, or travel advisories or fear of travel are generally not covered (coverage can vary by state.)

Trip cancellation kicks in if certain medical or non-medical events occur before you leave home, so you're reimbursed on all or some costs, depending on your coverage. Trip interruption reimburses you if a similar set of events occur after you leave home and during your trip and you're forced to return home.

Always make sure you have appropriate travel insurance in place. Although regular travel insurance covers cancellation and curtailment, it does not provide cover in the event of emergency situations listed above. The cover is extended to include these when you add extra Travel Disruption.

Does trip interruption cover missed flight? ›

The trip interruption benefit can reimburse you for unused, nonrefundable trip costs if you miss at least 50% of the length of your trip due to a covered reason.

When it comes to travel insurance, honesty is key, and failing to disclose pre-existing medical conditions can lead to a voided insurance claim. You may need to disclose the medications you're taking, vaccination status, ongoing treatments, and even any pending diagnoses to be safe.

Trip interruption coverage exists to cover you for any unexpected or uncontrollable circ*mstances that may force a premature return home from your trip. Examples include a serious injury, illness, a family emergency back home, quarantine, evacuation or an early departure.

Trip cancellation insurance can reimburse you for 100% of your nonrefundable and prepaid trip costs if you cancel for a covered reason, which may include: Death of your travel companion, business partner or family member (policies differ on who is considered a family member).

Interruption for Any Reason is a travel insurance benefit that provides partial reimbursem*nt for your prepaid, non-refundable unused trip costs if you need to end your trip early for a reason not already covered by your policy.

Valid reasons for cancellation claims can include: Sudden injury, medical condition or illness preventing travel. Home emergencies, such as a fire or flood. Destinations becoming unsafe for travel.