Trip Interruption

Trip Interruption coverage is often included in travel insurance Comprehensive Plans. It’s a benefit that offers travelers reimbursement of their pre-paid, non-refundable expenses should they unexpectedly need to cut short their travels.

Important things to note when you’re researching Trip Interruption benefits include:

Exclusions

Travel insurance plans often list exclusions that you’ll need to be aware of before you purchase a policy. Exclusions are situations in which you might decide to interrupt your trip, but which absolutely won’t be covered by your insurance company. Examples may include cutting your trip short because of an illness or injury related to a pre-existing medical condition; interrupting your trip due to the illness or injury of a friend or distant relative, rather than an immediate family member; or interrupting your trip for work-related reasons such as an unexpected meeting or job interview. There are waivers available for some exclusions, such as the Pre-Existing Conditions waiver, so knowing what’s excluded in your travel insurance policy — and what your individual needs and concerns are — can help you ask the right questions to get valuable additional coverage.

Special Coverage Options

Just as important as understanding what may or may not be a covered reason for interrupting your trip is knowing whether there are benefits available to you that may help you avoid trip interruption under certain circumstances. A good example of a useful coverage option is Missed Connection coverage, which can help you make arrangements to continue your travel plans even if you miss an important connecting flight or miss getting on your cruise ship at the designated port of call. Read travel insurance documents carefully to see if any such benefit may be available as you’re making determinations about your trip interruption coverage needs.

Written by on 8/24/13.
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Question:


Our trip will begin (and end) with a 10 hour drive to Tampa where our cruise departs. We may break that trip up and spend the night en route. Will a comprehensive policy cover us in the event the car breaks down along the way?
EdC,
02/11/2014

Answer:


No it will not. Any mechanical problem with your own vehicle would not be covered with any policy.
David M.,
Customer Care insureMyTrip
02/11/2014
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Question:


I have a nonrefundable roundtrip air ticket. If I need to change the return flight, the airline will give me a credit toward another flight, minus a $200 change fee. Therefore, although I must insure the entire cost of my roundtrip ticket, my actual loss will only be $200 (plus additional cost of the new ticket, if any). Will trip interruption coverage at 150% reimburse me $300 for the change fee?
HeleneB,
01/21/2014

Answer:


It would depend on the plan, since they would all be worded differently. But usually, when there is 150% Trip Interruption, they reimburse for the unused portion of your prepaid, non-refundable trip costs and reimburse for the additional transportation expenses incurred to reach the return destination due to one of the covered reasons. You can click on the amount next to Trip Interruption when viewing a plan to read the details of that specific plan.
NicholeH,
Customer Care insureMyTrip
01/21/2014
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