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 their travels short.
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
- 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.