What Is Trip Interruption Insurance? (2024)

FAQs

What Is Trip Interruption Insurance? ›

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 interruption insurance will reimburse the unused portion of your trip if it has already begun and an unexpected incident forces you to return home early. This post-departure benefit is particularly useful when booking expensive trips.

If you are delayed for a reason covered by your policy, you can be eligible for reimbursem*nt of reasonable expenses—up to the coverage limit specified in the policy. These expenses could be for meals, hotel accommodations and transportation.

Trip cancellation insurance provides prepaid, nonrefundable reimbursem*nt for trip expenses if you must cancel a trip due to an unforeseen circ*mstance such as illness, injury, or the death of the traveler or a loved one.

As a AAA Member, you may request reimbursem*nt for reasonable, unanticipated costs for your hotel, meals, and substitute transportation, up to $500 for Classic Members, up to $1,000 for Plus Members and Premier Members are reimbursed up to $1,500.

While coverage limits vary by policy, most Trip Cancellation plans will reimburse up to 100% of a traveler's trip costs if they need to cancel their trip for a covered reason. The most common covered reason is unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member.

Reasonably foreseeable events. Known storms, epidemics, acts of war. Travel restrictions imposed by government authorities. Pre-existing conditions, unless the Premium plan is bought within the window for coverage.

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.

Your credit card's trip cancellation insurance may reimburse you for prepaid flights and hotel stays booked with your credit card. Trip interruption insurance (for trips that end earlier than planned) may cover expenses like the cost of a last-minute flight home.

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.

What is the best travel insurance company? ›

Buying the travel insurance is usually worth it if: Your non-refundable trip costs are much more than you can afford to lose. You are traveling internationally. You are traveling to a remote area with limited health care facilities.

If you're wondering when you should buy travel insurance, the simple answer is as soon as possible. Ideally, you'll buy coverage no later than 15 days prior to your trip.

Acceptable reasons for a trip interruption insurance claim will vary by policy, but often include: An illness or injury to you, your traveling companion or a family member. Being directly involved in a documented traffic accident en route to your departure. Death of a traveling companion or family member.

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.

Step 1 – Immediately inform your travel service supplier(s) of the cancellation. Step 2 – Gather all of the necessary documents (see below). Step 3 – Complete and sign the enclosed Claim – Trip Cancellation / Interruption Insurance – Illness or Injury form.

Both trip cancellation and trip interruption coverages are typically included in a comprehensive travel insurance policy. Both may reimburse you for non-refundable costs of travel that you miss out on for a covered reason, up to any limits set by your policy.

Travel disruption insurance is a type of coverage that steps in to provide compensation for unexpected delays, disruptions, or the premature ending of your trip. It's designed to cover the costs associated with the affected parts of your journey, including flights, accommodations, and land transfers.

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.)