Is Your Cancellation Reason Covered by Travel Insurance?

cancellation reasons

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:


ic_circlecheckblue 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.
ic_circlecheckblue 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


Other Reasons

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. 

  • >Get “Cancel for Any Reason” coverage. If you want to make sure you’re protected while you travel for the above reasons plus any other reason that might arise, make sure to purchase “Cancel for Any Reason” coverage. It costs a bit more but could save you a lot of money if you do end up needing to cancel for a reason that’s not typically covered. If you have any reason to think that you might not be able to actually make it on the trip you’re booking, we recommend adding this coverage to your policy. Note: Cancel for Any Reason is time sensitive insurance that must be purchased within 10-21 days from your Initial Trip Deposit Date and insure 100% of your non-refundable prepaid deposits or payments toward the trip.

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. 

We also want to help you get the best possible coverage for your particular situation at the lowest price. You can use our free quote tool to get started and reach out to us with anystions!

Get an instant travel insurance quote!