What is a covered reason for trip cancellation?

It’s a reason your policy lists, and it has to be sudden and unexpected, and come up after you buy coverage. Typical covered reasons include illness, injury or death of you, a travel companion or family; a government travel advisory issued after you book; a travel visa that isn’t issued; and job loss. Not covered: anything you knew about or could have expected when you bought coverage, pre-existing conditions that weren’t stable, changing your mind (unless you added cancel for any reason), and, usually, a travel company going out of business. Each policy lists its own covered reasons.