Covered Reasons for Trip Cancellation (2024)

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Covered Reasons for Trip Cancellation (10)Under certain circ*mstances, it may be necessary to cancel a trip. However, without travel insurance, a person stands to lose a great deal of money over tickets, tour fees, hotels, and other prepaid activities. Fortunately, trip cancellation coverage offers reimbursem*nt for up to 100% these expenses when cancelling a trip (for a covered reason) before departure.

Top Reasons Most People Cancel Trips

There are many reasons a person may need to change travel plans. Under cancellation coverage, there are certain acceptable reasons (known as covered reasons) to cancel a trip such as the below. Covered reasons vary by policy and provider so be sure to read the covered reasons before purchasing a policy.

  • Injury or Illness. Sickness and injury are the top reasons for cancelling a trip. No one enjoys traveling while feeling under the weather. Also, injury may make it impossible to travel, especially on a plane or boat. Besides personal injury or illness, this covers similar circ*mstances with a travel companion, family member, and business partner as well.
  • Death. Similar to the above, most trip cancellation plans will cover you if a family member or traveling companion passes away unexpectedly prior to the trip.
  • Natural Disaster. When a hurricane or similar natural disaster hits a destination after the policy purchase, cancellation is typically covered.
  • Acts of Terrorism/Evacuation. When a destination is evacuated for any reason or under terror attack, it is possible to cancel plans without repercussions.
  • Financial Default of the Travel Company
  • Death or Hospitalization of Host
  • Residence Damage. If a person’s home has been burglarized or damaged, a person may cancel plans and return home at any time.
  • Jury Duty or Military Deployment. Many people make vacation plans well in advance. When a notice of jury duty or military deployment arrives, insurance makes it possible to cancel trip plans without loss.
  • Change of Employment. When a person has been terminated or transferred from a job, it is possible to cancel travel plans.
  • Traffic Accidents. If a person’s vehicle has been damaged in an auto accident prior to leaving on a trip, plans can be altered without worries.

Cancellation Coverage for Any Reason

In the travel insurance world, there is also “Cancel for Any Reason” coverage. For instance, if a person wants to cancel a trip to a foreign land over political upheaval concerns, this coverage will ensure reimbursem*nt for at least a portion of travel expenses.

Before purchasing trip insurance, it is vital to compare coverage. Each plan will offer various benefits. It is essential to review and comprehend the individual description of coverage so that the best policy is chosen.

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Covered Reasons for Trip Cancellation (2024)

FAQs

Covered Reasons for Trip Cancellation? ›

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 a covered reason for trip cancellation? ›

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 are valid medical reasons for flight cancellation? ›

The unexpected death, illness, or injury of you and/or a traveling companion that deems you unfit to travel, by order of a licensed physician. The hospitalization or death of a non-traveling family member.

What qualifies for trip cancellation insurance? ›

Sickness, injury, death, or quarantine of a member of your travel party. A delay that causes you to miss or interrupt any part of your covered trip due to weather, mechanical reasons, or travel advisory. Loss or damage to your baggage and personal effects due to theft, burglary, fire, or transportation hazards.

What is the reason for trip cancellation? ›

Here are some typical covered reasons that trip cancellation insurance covers: Family or travel companion illness. Death of a travel companion or family member. Damage to your house due to a natural disaster, such as a flood, fire or earthquake.

What does up to 100% reimbursem*nt for covered trip cancellation and interruption mean? ›

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).

How to claim XCover? ›

When you're ready to submit your claim, log in to your XCover Account, select the XCover Protection you would like to claim for and then select 'Make a Claim'. The XCover claims process is quick and simple, with payment or reimbursem*nt for approved claims processed instantly.

Do airlines verify doctor's notes? ›

The airline will accept a doctor's note on letterhead to document an illness, a death certificate or obituary notice for a death, a copy of military orders or a note from an employer. Verification of the documentation is pursued only if ''something seems suspicious,'' Ms. McNabb said.

Can I get a flight refund with a doctor's note? ›

In some cases, airlines will grant waivers and refund your ticket due to severe medical reasons but only on a case by case basis. Airlines will require some sort of documentation from your doctor. You will need to contact the airline directly to inquire if you can get a refund.

Can I cancel my flight due to illness? ›

For emergency medical situations

The document must provide a diagnosis and include the doctor's name and signature. Prescriptions are not accepted as valid documentation. Refunds and waived fees are always at the discretion of the airline and never guaranteed.

Do credit cards cover trip cancellation? ›

Your credit card's trip cancellation insurance may reimburse you for prepaid flights and hotel stays booked with your credit card. Trip interruption insurance (for trips that end earlier than planned) may cover expenses like the cost of a last-minute flight home.

How to get a doctor's note to cancel a flight? ›

Ask your doctor (or a nurse or someone at the front desk) politely, and make it as easy for them as possible to provide a doctors note. Provide the airline with as much information as possible about your medical condition, ask nicely, and follow up to check on the process of your cancellation fee waiver claim.

What is an example of a doctor's note for airline refund? ›

As his attending physician, I can attest to the severity of his condition and the urgent need for him to receive medical treatment. Due to this unforeseen circ*mstance, it was necessary for Mr. Doe to cancel his flight. He was unable to provide advance notice of his cancellation due to the sudden nature of his injury.

How do I write a letter to cancel a flight for medical reason? ›

I am writing to ask for your consideration to cancel their pending flights with you due to unforeseen medical circ*mstances. If you need additional clarification, or if additional information is required, my office will be happy to provide it. You may contact our clinic at [OFFICE PHONE NUMBER].

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