Travel Insurance: Trip Interruption, Medical & More (2024)

FAQs

What qualifies as trip interruption for travel insurance? ›

Trip Interruption is a post-departure benefit that can reimburse a traveler's unused trip costs if they need to interrupt 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.

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.

Flight insurance offered when you're buying plane tickets isn't always worth the cost. If you have many nonrefundable deposits invested in your trip—such as hotel stays and pre-paid excursions—buying a comprehensive travel insurance policy to cover your entire trip is likely a better option than flight insurance.

(including Covid-19, terrorism, natural catastrophes and airspace disruption) Safeguard against rare but extreme events that could disrupt your travels. Add this option to your travel insurance policy for cover in the event of Covid-19, terrorism, natural catastrophes and airspace disruption.

Most travel insurance policies won't pay out if you're negligent while under the influence of alcohol or drugs, and have an accident or have property stolen.

According to Allianz Global Assistance, a travel insurance provider, "Trip cancellations and trip interruptions due to known, foreseeable, or expected events, epidemics, or fear of travel are generally not covered."

We named Nationwide travel insurance as our pick for the most coverage reimbursed. It offers 100% trip cancellation coverage and up to 200% trip interruption protection, depending on your plan choice. Nationwide also provides some of the best policies for cruise ship passengers, based on our review.

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 interruption & delay insurance includes coverage for missed connections, interruptions, and delays during your planned trip. It provides coverage for additional expenses such as hotel and meal expenses, essential phone calls and taxi fares during such a delay.

Generally, most domestic health insurance policies are not accepted abroad, so there is a benefit to purchasing travel medical insurance as a supplement to your health insurance coverage. The travel medical coverage is only valid while you're traveling.

Does travel insurance cover if the airline cancels flight? ›

Comprehensive travel insurance typically covers canceled flights that delay your trip for at least 3–12 hours. If your flight is delayed more than 12 hours, you may even qualify for trip cancellation coverage, depending on your plan.

Examples include a serious illness or injury, required quarantine or evacuation, severe weather, a family emergency at home, natural disasters or a terror-related attack, or a legal obligation such as jury duty, which prevents continued participation in the trip. The amount of coverage can also differ.

Trip cancellation insurance can reimburse you for 100% of your nonrefundable and prepaid trip costs if you cancel for a covered reason, which may include: Death of your travel companion, business partner or family member (policies differ on who is considered a family member).

After Departure

Trip interruption insurance covers extra costs if you need to return home sooner or later than planned and reimburses you for non-refundable and/or non-transferable portions of unused, prepaid travel arrangements.

Here are some examples: The unexpected death, sickness or injury of you, a travelling companion, or a family member. You need to attend the birth of a family member's child. Travel carrier cannot get you to your destination due to a natural disaster or severe weather.

What is Interruption For Any Reason travel insurance? Interruption For Any Reason can provide partial reimbursem*nt for unused prepaid and non-refundable trip payments if a trip is interrupted for a reason not otherwise covered by a policy.

When it comes to travel insurance, honesty is key, and failing to disclose pre-existing medical conditions can lead to a voided insurance claim. You may need to disclose the medications you're taking, vaccination status, ongoing treatments, and even any pending diagnoses to be safe.

Airlines must provide compensation for the inconvenience of flight cancellations and flight delays of 3 hours or more and if the disruption is within their control and not related to safety, and if the airline notified you of the disruption 14 days or less in advance.