Trip Cancellation & Interruption Insurance

Coverage for prepaid or additional accommodation costs depends on the policy and the reason the costs were incurred. Some plans may respond in certain situations, while others may not. Because coverage details vary, it’s important to review your policy wording and confirm how accommodation-related expenses are treated.

Whether a cancelled flight is eligible for reimbursement depends on your policy wording and the reason for the cancellation. Some policies respond only to specific covered reasons and may coordinate with refunds or credits available from travel suppliers. Reviewing your policy terms is the best way to understand how your coverage applies.

Trip cancellation coverage is generally designed for situations where you need to cancel before your trip starts. Trip interruption coverage is generally designed for situations where a covered event occurs after your trip has begun and you need to cut the trip short or change your travel plans. Exact terms, required documentation, and how claims are assessed depend on the policy.

A “covered reason” is a situation your policy lists as eligible for a claim. Covered reasons vary by insurer and plan, and they often depend on when the event occurs and whether it was unforeseen at the time you bought coverage. The safest approach is to confirm what your specific policy defines as covered before relying on it.