Reasons for Trip Cancellation and Interruption (2024)

FAQs

What qualifies for trip interruption? ›

Trip interruption coverage exists to cover you for any unexpected or uncontrollable circumstances 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.

Sickness, injury, death, or quarantine of a member of your travel party. A delay that causes you to miss or interrupt any part of your covered trip due to weather, mechanical reasons, or travel advisory. Loss or damage to your baggage and personal effects due to theft, burglary, fire, or transportation hazards.

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.

Trip interruption insurance covers extra costs if you need to return home sooner or later than planned and reimburses you for non-refundable and/or non-transferable portions of unused, prepaid travel arrangements.

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.)

A Physician must advise to cancel the Trip on or before the Scheduled Departure Date. 2. Sickness, Accidental Injury or death of a Family Member or Traveling Companion booked to travel with You, that results in medically imposed restrictions as certified by a Physician that causes Your Trip to be cancelled.

The details vary from provider to provider and with each plan. If you do need to cancel, you will be reimbursed 100% of the prepaid, non-refundable trip cost for which you are insured and can provide documentation. All of this coverage, is only if the trip is cancelled due to a specific, unforeseen covered reason.

A number of credit cards provide various types of travel insurance (including trip cancellation, trip interruption and car rental loss and damage insurance) when you use your card to pay for flights, rental cars and other travel expenses.

Can I cancel my flight with travel insurance? In many cases, yes, you can cancel your flight and be reimbursed if you have an eligible reason for canceling. You may not cancel the flight because you've changed your mind. You must have a valid reason that is detailed in your travel insurance policy.

If you plan to travel outside Canada—even for a day in the United States—you should buy trip interruption and travel health insurance before you leave.

What is the difference between missed connection and trip interruption? ›

Missed connection coverage is not the same as trip delay coverage. Trip delay insurance covers expenses incurred because of a defined delay. However, missed connection trip insurance covers expenses that stem directly from missing a connection due to unforeseen circumstances that are out of the traveler's control.

Travel Delay Coverage provides reimbursement for additional expenses if your flight is delayed, such as an extra night in a hotel or a meal at a restaurant. This coverage is about having a 'lifeline' to call when something happens. Medical emergencies, stolen baggage, lost passports, cancelled flights.