When government funding lapses, federal services may slow or halt – affecting everything from airports to passport offices. Here’s how a shutdown could impact your travel plans and how travel insurance may help.
How Does a Government Shutdown Affect Travel?
A government shutdown can disrupt travel plans by reducing staff at key agencies like the FAA, TSA, and National Park Service. Expect longer security lines, potential flight delays, and limited access to national parks and federal museums. Some facilities may close entirely, impacting itineraries built around these sites.
Does a Government Shutdown Affect Airports and Security?
Yes. Airport staffing shortages can lead to longer security lines, flight delays, and even temporary closures at some checkpoints. During shutdowns, unpaid TSA agents and air traffic controllers call out at an increased rate, creating bottlenecks. Travelers should monitor airport status and use the MyTSA app to check live wait times.
Does a Government Shutdown Affect Passport Processing?
Typically, passport processing continues with normal turnaround times of about 4–6 weeks for routine and 2–3 weeks for expedited service. Appointments at State Department offices are usually honored, but some acceptance facilities (like post offices) could face delays if local staffing is impacted.
Does Travel Insurance Cover Government Shutdowns?
A government shutdown isn’t a covered reason under standard trip insurance. However, certain related travel disruptions, like flight delays or cancellations caused by a common carrier, may be covered. Travelers seeking more flexibility should consider Cancel for Any Reason (CFAR) coverage for added protection.
What Types of Disruptions Caused by a Shutdown Might Be Covered?
Coverage may apply if a common carrier delay, such as an airline cancellation due to staffing shortages, impacts your trip. Benefits could include trip interruption, travel delay, or missed connection reimbursement for eligible extra costs like meals, hotels, or ground transport. Always check your policy limits.
What Does Travel Insurance Not Cover During a Government Shutdown?
Closures of national parks, federal museums, or similar attractions are typically not covered by standard policies. If your trip is canceled solely because a federal site is closed, reimbursement usually requires a CFAR upgrade. Political or regulatory events are also excluded.
How Does Timing of Policy Purchase Affect Coverage Around a Shutdown?
Once a shutdown becomes a known event, it’s no longer eligible for new coverage under most standard plans. Buying early ensures you’re protected before disruptions start. For maximum flexibility, purchase a CFAR policy at least 48 hours before your trip to cancel for any reason.
What Plans or Upgrades Should I Consider if a Shutdown Is a Risk?
Consider a comprehensive plan that includes trip delays, trip interruption, and baggage delay benefits. Add CFAR (or Interruption for Any Reason, IFAR) coverage for broader protection. Comparing plans on InsureMyTrip can help you find the best coverage for shutdown-related risks.
Canceling a Trip Due to a Government Shutdown
If you want to cancel because of federal closures or potential delays, CFAR coverage lets you do so for any reason at least 48 hours before departure. Standard plans won’t reimburse cancellations for government shutdowns alone unless directly tied to a covered disruption.
How Should I Travel Differently During a Government Shutdown to Minimize Risk?
Plan ahead. Build in extra time for flights, choose longer layovers, and keep essential items in your carry-on. Track flight status often, keep receipts for any added costs, and compare insurance options before you travel to ensure you have the right protection if disruptions occur.
Summary
A government shutdown can cause widespread travel disruption, from slower security lines to national park closures. While standard travel insurance doesn’t directly cover shutdowns, plans with CFAR or delay benefits can provide valuable protection. Compare travel insurance options early for peace of mind before your next trip.
Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.
