Sometimes, despite the best planning, you need to cancel your travel plans. It’s never a fun thing to do and sometimes it hurts your wallet too. The good news is, when you get travel insurance, a number of reasons for cancellation will be covered. While it won’t take away the sting of a trip not taken, it could save you from having to pay for it on top of that.
That said, not all reasons for trip cancellation are insured by most standard travel insurance packages. Before you cancel your trip, it’s important that you know which reasons are covered and which aren’t, so you can make an informed decision when purchasing travel insurance. So here’s what you need to know–if you need to cancel your trip for any of the following reasons, you should be insured by most travel insurance packages:
|A family member gets sick or hurt and you need to stay home to provide care — same thing goes here…make sure they go to the doctor so you have evidence of their illness.|
|You or your travel companion get sick or hurt and are no longer able to travel — but make sure you see a doctor so you can provide proof when you submit your claim.|
Your business partner gets sick or hurt–that’s right, even your business partner’s illness is a covered reason to cancel for most travel insurance policies!
You get fired before the trip or even get transferred to a new position or location
You’re required to be at work for unforeseen reasons and can no longer travel as a result
There is an act of terrorism or a mandatory evacuation in your travel destination, whether it is prior to the trip or while you’re there
You get into a car accident before your trip
There’s a natural disaster in your travel destination
You get legally separated or divorced
Your home or business is burglarized or damaged
You have to do jury duty or have to go to court
You are redeployed by the military
Your school year is unexpectedly extended
You’re the victim of an assault before your trip
Your passport or visa is stolen so you can no longer travel internationally
The travel company you’re booked with goes bankrupt
Your destination host dies or is hospitalized
Here’s how to make sure you’re covered for the above cancellation reasons:>For medical reasons, see a doctor. If you have to cancel for medical reasons, make sure you go to the doctor who can verify that you are ill or injured and cannot travel. If it’s your family member or business colleague’s illness or injury, make sure they do the same.
>Get documentation for everything. Go to the doctor if you or someone in your family is sick, request a letter from your workplace if it’s work-related, get a police report…whatever goes down, just make sure you have documentation to prove it to submit with your claim. If you don’t have documentation, you may be denied coverage, even if your reason is included in the list above.
>When it comes to weather, purchase your policy sooner rather than later. If you try to purchase your travel insurance policy after a storm has been classified or named by the National Weather Service, you’ll likely be out of luck when filing a claim. The effective date of the trip cancellation policy MUST be before this classification since it will then be deemed a “foreseen” event and not insured for trip cancellation coverage by the policy.
>Read your insurance policy’s terms and conditions. While the list of trip cancellation reasons above is pretty standard for most travel insurance policies, it’s possible that the list looks a little different from insurance company to insurance company. Make sure you look into the specific policy you select to see what exactly is covered.
As always, we hope you make it on every trip you book safe and sound! But when something comes up and you need to cancel, we want to make sure you have the coverage you need.