Explanations for Cancelled Voyages Unveiled
** retreat the unbiased guide to canceling your trip and understanding what's covered**
Welcome, mate! Let's shed some light on canceling your travel plans and breaking down the fine print on what you're covered for. In this read, we'll dig into the "nitty-gritty" you need to know to grasp what's protected under your trip cancellation benefit with our platform's plans.
So, what counts as a valid reason for cancellation?
Valid reasons for cancellation are specific incidents that may occur to you, a traveling companion, or others that justify making a claim and getting reimbursed on approved claims.
With our platform, trip cancellation coverage is generally included in most plans you purchase more than 48 hours before your departure date. This means you're guarded for up to 100% of unused, prepaid, non-refundable trip expenses, including airline tickets, hotel bookings, activities, and more. Keep in mind that your trip cost is the amount you provide us at the time of purchasing the plan, so be sure it covers the non-refundable expenses for your trip (tip: exclude refundable expenses, like refundable airfare, as the airlines will likely return it directly). If you've got questions, our 24/7 support team is always ready to help, and you can increase the trip cost before your trip if needed.
our platform's covered reasons for canceling a trip
Let's dive into the nitty-gritty of what our platform's trip cancellation coverage shields you from:
Medical setbacks and death
- Your, a travel buddy's, a family member's, or business partner's demise before your departure date on the trip.
- Your, a travel buddy's, a family member's, or business partner's illness or injury before departure that requires physician treatment before cancellation (unless it's not feasible to do so); and as certified by a physician, results in medical restrictions so debilitating as to cause you to scrap the trip.
- Sickness or injury of your business partner so severe that it forces you to cancel the trip to manage the business on a daily basis.
- Complications of pregnancy verified by medical records, occurring after the effective date of coverage.
- The host at your scheduled destination is incapacitated, preventing them from providing accommodations due to an illness, injury, or death.
- You or your travel companion are quarantined due to health concerns.
Natural disasters and transportation woes
- You or your travel companion are directly involved in a traffic accident on your way to the departure city, confirmed by a police report.
- Local government authorities enact a total airport or air traffic control system shutdown due to reasons other than terrorism or war, resulting in a cessation of services for at least 6 consecutive hours for your airline.
- A mandatory evacuation is ordered by local government authorities at your destination due to a natural disaster, impeding your ability to travel.
- Your or your travel companion's primary residence or scheduled destination becomes uninhabitable due to a natural disaster or burglary during your trip. Keep in mind that a hurricane being foreseeable on the date it becomes a named storm means claims won't be paid unless a hurricane isn't foreseeable before your effective date.
Crime and financial defaults
- Documented theft of your passports or visas specifically required for your trip. A police report must be submitted.
- You or your travel companion become a victim of a felonious assault within 10 days prior to the scheduled departure date.
- The financial insolvency or default of an entity providing travel arrangements (airline, cruise line, tour operator, or other travel providers) after your effective date for the trip cancellation benefit. Benefits will be paid due to financial insolvency or default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to transfer to another airline to reach your intended destination.
Work obligations and service requirements
- You or your travel companion are subpoenaed, served with a court order, called to serve on a jury, or required to appear as a witness in a legal action, as long as you or your travel companion are not a party to the legal action except if you must appear in a law enforcement capacity.
- You or your travel companion are called to active military duty (either to serve or to provide aid or relief in the event of a natural disaster).
- Your previously granted military leave is revoked or reassigned. Official written revocation or reassignment by a supervisor or commanding officer is needed. The military leave for the dates of travel must have been approved prior to the effective date of trip cancellation coverage, and the leave should be revoked or reassigned after the effective date of trip cancellation coverage.
- You or your travel companion are involuntarily terminated or laid off from your job. The termination notice must occur at least 1 day after your trip cancellation effective date. You or your travel companion must have been employed with the same employer for at least 1 continuous year. This doesn't include temporary or seasonal employment, independent contractors, freelancers, or self-employed individuals.
Terrorism and travel alerts
- You or your travel companion are hijacked.
- A terrorist incident by a recognized terror organization occurs before your trip within 30 days of your scheduled departure date in a city listed on your itinerary, provided your travel supplier (if applicable) didn't offer a replacement itinerary.
- A travel alert or travel warning for levels 4 and higher is issued for cities listed on your itinerary after your effective date for trip cancellation to a destination specifically listed on your itinerary. The travel alert or warning must occur within 30 days of the departure date.
When to call it quits
Remember that you must inform travel suppliers (like airlines) of cancellations within 72 hours of the incident causing the need to scrap the trip. If the incident delays the report of the cancellation beyond 72 hours, you should report the incident as soon as possible. Our platform doesn't cover increased amounts of unused, non-refundable prepaid payments or deposits resulting from all other delays or reporting beyond 72 hours.
The difference between covered reasons and foreseeable events
Our platform, like most travel insurance providers, doesn't cover expected or foreseeable events or issues. Essentially, if you're purchasing travel protection and you're already anticipating needing to cancel for a specific reason, then that reason is generally foreseeable. If it seems this way, it's best to arrange your trip when there's less likelihood of canceling.
A common example of foreseeable events is a level 4 travel alert. If you're planning vacation and your destination lands on the level 4 "do not travel" list from the U.S. State Department and you buy travel protection after the list, you won't be covered. However, if you insure your trip before your destination is added to the list, it would be considered a covered situation, as it is not foreseeable yet.
Hop on board the way we roll
Hopefully, we've helped make sense of what a covered reason is for trip cancellation! Got questions? Drop them to our support@our platform team.
Secure my trip
- To understand the valid reasons for trip cancellation, consider incidents that may affect you, your travel companions, or others, justifying the need for a claim and reimbursement on approved claims.
- Trip cancellation coverage is generally included in most plans purchased more than 48 hours before your departure date, shielding you from up to 100% of unused, prepaid, non-refundable trip expenses.
- Our platform's trip cancellation coverage protects you from medical setbacks and death, natural disasters and transportation woes, crime and financial defaults, work obligations and service requirements, and terrorism and travel alerts.
- When informing travel suppliers of cancellations, it's essential to do so within 72 hours of the incident causing the need to cancel, as our platform doesn't cover increased amounts of unused, non-refundable prepaid payments or deposits resulting from delays or reporting beyond 72 hours.
- Our platform, like most travel insurance providers, does not cover expected or foreseeable events or issues. If you anticipate needing to cancel for a specific reason, it's generally considered foreseeable. Arrange your trip when there's less likelihood of canceling to be covered.
