What is trip cancellation insurance and how does it work?

Trip cancellation insurance reimburses you for prepaid, non-refundable trip costs (flights, hotels, tours) if you must cancel before departure for a covered reason such as illness, injury, or severe weather.

  • Covers cancellation due to: unexpected illness/injury, family emergencies, severe weather, jury duty, job loss (some policies), and other listed "covered reasons" 

  • Does not cover cancellation for boredom, changing your mind, or not wanting to travel 

  • Reimbursement typically covers 100% of insured prepaid, non-refundable trip costs

  • A common upgrade is Cancel for Any Reason (CFAR), which reimburses 50-75% of costs and must be purchased within 10-21 days of initial trip deposit 

  • Buy trip cancellation insurance when you book your trip for maximum coverage 

You may also like: Can I get a medical refund for trip interruption?

Official resource: Insurance Information Institute

Traveling soon? See our Travel Essentials page.

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