The AIG Travel Travel Guard Silver plan may appeal to families traveling with children, as one child age 17 or under is free for each covered adult. This plan offers Trip Cancellation and Trip Interruption coverage and post-departure coverages such as Baggage Loss and Delay, Trip Delay, Medical, and Emergency Medical Evacuation.
To learn more, see the AIG Travel Travel Guard Silver product page.
It is true that both these situations would not be covered under a standard trip cancellation policy. Specifically for school-related cancellations, you would need a policy that included Cancel For Any Reason.
There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted.
Please feel free to contact us in the future, when planning your next trip. Our representatives are available 7 days a week and can be reached at 1-800-487-4722.