What Is Covered Under Trip Cancellation and Interruption?

Trip cancellation and interruption coverage protects your prepaid, nonrefundable trip costs when unexpected events force you to cancel before departure or cut your trip short.

Here’s what you need to know:

✅ Common Covered Reasons

While each plan may vary, the following are the most common covered reasons:

Illness, injury, or death of you, a traveling companion, or a family member
Severe weather or natural disasters that make travel unsafe or prevent departure
Delay or cancellation by a common carrier due to mechanical breakdown or strike
Jury duty, court orders, or military service
Terrorist incident in your destination city within a specified time frame before your trip
Quarantine or serious home damage (fire, flood, burglary)

🔄 Trip Cancellation vs. Trip Interruption

Cancellation: Protects your investment if you must cancel before your trip starts
Interruption: Reimburses unused trip costs and additional expenses if you must cut your trip short and return home early

⚠️ What’s Not Covered

Change of mind or fear of travel
Known or foreseeable events at the time of purchase (e.g., named hurricanes)
Situations not listed as covered in the policy

🟢 What About Cancel For Any Reason (CFAR)?

CFAR is an optional add-on available with some plans
It lets you cancel for reasons not normally covered (like changing your mind)
Must be purchased within 21 days of your first trip deposit
Typically reimburses 50–75% of your trip cost
Not available in Israel

🛡️ Bottom Line

Trip cancellation and interruption benefits are designed to protect you from specific, unforeseen events that could derail your plans. For the broadest protection, consider adding CFAR if it’s available and you’re within the purchase window.

👉 To see covered reasons for your specific plan, review your policy documents or start with a customized quote.

⚖️ Disclaimer

This article is for general informational purposes only and does not guarantee coverage or benefit eligibility. Plans vary by provider, and all benefits are subject to policy terms and exclusions.

Please note: Insurance Consultants International is not the claims department and does not determine claim outcomes. All decisions regarding coverage and reimbursement are made by the licensed claims administrator named in your plan documents.

It is the insured’s responsibility to review their full policy documents to understand what is and is not covered.