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Trip Cancellation Insurance
Traveling abroad has many risks, among which one is trip cancellation. It can be due to health issues, cancellation of reason to visit the country, or any other emergency. The airline ticket’s pricing is soaring high and suffering a loss due to sudden cancellation will make you yearn for safety.
This is the reason the Visitor Guard® always recommends travelers and explorers to get trip cancellation insurance. You might be thinking, what is it? Let’s understand.
Travel or trip cancellation insurance is a protection against trip cancellation, interruption, emergency medical care, and especially post-departure travel protection. The trip cancellation insurance will have listed reasons for the trip cancellation coverage.
Trip Cancellation Insurance Plans
ITRAVELINSURED SE
$24 / mo for a 24 year old with a $300 trip cost- Available for ages up to 99years
- Maximum trip length 180 days
- Medical coverage of $250,000 (may vary by state)
- Trip Cancellation maximum benefit up to 100% of insured trip cost (min $300)
- Trip Interruption maximum benefit up to 150% of insured trip cost
- $2000 maximum benefit for travel delay
- $500,000 maximum benefit for emergency medical evacuation and repatriation of remains
- Brochure
iTravelInsured LX
$33 / mo for a 24 year old with a $500 trip cost- Available for ages up to 99years
- Maximum trip length 180 days
- Medical coverage of $500,000 (may vary by state)
- Trip Cancellation maximum benefit up to 100% of insured trip cost (min $500)
- Trip interruption maximum benefit up to 150% of insured trip cost
- $2500 maximum benefit for travel delay
- $1 million maximum benefit for emergency medical evacuation and repatriation of remains
- Optional Cancel for Any Reason (CFAR) / Interruption for Any Reason (IFAR) add-on benefit available
- Brochure
Benefits of Trip Cancellation Insurance
Before you opt for the travel cancellation insurance for yourself or the family, have a look at its benefits in brief. All the policies offered by Visitor Guard® aim to protect you from unknown losses. These are the benefits:
- Wide Coverage: Covers the cost of trip cancellation, trip interruption, emergency medical, and optional coverage for cancel for any reason.
- Pre-Existing Medical Waiver: The trip cancellation protection due to any pre-existing medical issues also has the waiver in the Choice plan only if you meet the requirements.
- Emergency Medical Evacuation: This insurance policy will provide coverage up to $250,000 (Basic plan) and $1,000,000 (Choice plan) for emergency medical evacuation.
- Instant ID Card: You will be provided with the insurance ID card as soon as the procedure ends
- Baggage loss: It has coverage up to $250 per item up to $500 (Basic plan) and $250 per item up to $2,500 (Choice plan) for baggage and personal effect.
Why Choose Us for Trip Cancellation Insurance?
The Visitor Guard®’s main goal is to protect travelers, explorers, students, and everyone from unnecessary losses while traveling to a foreign country. Let’s look at the reason why you should choose us.
- Seamless Process: Getting an insurance plan is no longer a hefty process, get the quote, finalize the plan, and move ahead to fill the form.
- Worldwide Presence: We are not limited to one country, we have a worldwide presence so expect the proper customer service in a foreign country as well.
- Affordable Rates: Our motto is to protect the pockets of people traveling, hence we have kept our charges affordable for everyone.
- 24X7 Customer Support: Looking for the solution to a query at midnight? Feel free to call, mail or text. We are available 24X7.
- Quick Claim Reimbursement: As soon as you claim the insurance, we will try to reimburse it at the earliest.
Trip Cancellation– Covered Reasons
- Death
- Sickness or Injury
- Pregnancy Complications
- Financial Insolvency or Default
- Traffic Accident en Route to Departure
- Common Carrier Mechanical Breakdown
- Airport Shutdown by Local Authorities
- Airport Shutdown due to Fire or Power Outage
- Strike
- Inclement Weather
- Primary Residence or Destination Accommodations Uninhabitable
- Hurricane Warning or Watch
- Hijack/Quarantine
- Subpoena/Court Order/Jury Duty/Witness
- Military Duty for Natural Disaster
- Military Leave Revoked or Reassigned
- Host Unable to Provide Accommodations
- Terrorist Incident
- Passport, Visa, or Travel Document Theft
- Felonious Assault
- Involuntary Employment Transfer
- Terminated or Laid Off from Employment
- Natural Disaster Evacuation at Departure City or Destination
How to buy trip cancellation insurance?
Well, many companies provide trip cancellation insurance as optional coverage to travel insurance. However, many providers like Visitor Guard® sell them individually as well. When you are planning to get the travel cancellation insurance policy make sure to read the brochure with full focus to know the coverages.
Also, get the trip cancellation insurance before 30 days or the final trip payment. Why? To reap the benefits of the entire insurance policy. If you are traveling for a sports event, you should consider adding the Athletic Sports Coverage for your injuries due to the rough play.
Once you know which policy you want to opt for, fill the form to get the quote and proceed with the further insurance policy process.
Trip Interruption – Covered Reasons
- Death
- Sickness or Injury
- Pregnancy Complications
- Common Carrier Mechanical Breakdown
- Airport Shutdown by Local Authorities
- Airport Shutdown due to Fire or Power Outage
- Natural Disaster or Hurricane Evacuation at Departure City or Destination
- Unable to Continue Trip Due to Injury or Sickness
- Traffic Accident en Route to Departure
- Inclement Weather
- Accommodations Uninhabitable
- Hurricane Warning or Watch
- Hijack/Quarantine
- Subpoena/Court Order/Jury
- Strike
- Duty/Witness
- Military Duty for Natural Disaster
- Military Leave Revoked or Reassigned
- Host Unable to Provide Accommodations
- Terrorist Incident
- Passport, Visa, or Travel Document Theft
- Felonious Assault
- Travel Alert, Evacuation Order, or Travel Ban
- Involuntary Employment Transfer
- Terminated or Laid Off by Employer
- Financial Insolvency or Default
Trip Cancellation Insurance FAQ
Trip Cancellation Insurance is a pre departure benefit that can cover trip cost if you have to cancel the trip for a covered reason. It applies when a person books a trip within the policy period and for some reason has to cancel the trip before departure.
Exact reasons vary by specific insurance plans. Hence it is a good idea to read the certificate wordings to understand is defined as a covered reason. The most common reasons which typically are seen with most plans are you, your travelling companion or a close family member unexpectedly become sick or are injured before the trip jury duty, weather related cancellation such as hurricanes or natural disasters.
Trip cancellation policies can cover pre-paid and non-refundable trip cost. You can include this non-refundable amount in your trip cost when you sign up for the insurance.
It varies per policy. If the policy is bought within the stipulated time, it can cover. Check the certificate wordings for more information.
This would be possible only if the policy has the option to add Cancel for any reason. If there is no option to upgrade then cancellation is possible only for covered reasons.
Cancel for Any Reason is an optional travel insurance benefit available on some plans. With such optional coverage you must insure 100% of your pre-paid, non-refundable trip cost.
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