How Trip Interruption Works
There are plenty of reasons your trip may be interrupted. As a result, you may have to start your trip later than expected or maybe end the trip early.
When your trip is interrupted for reasons covered by your travel insurance policy, your Trip Interruption benefits can help you sort it all out by helping cover the cost of alternate travel arrangements. Trip Interruption coverage begins the moment you depart for your first travel arrangement.
The maximum payment amount is 150% of your trip cost.
Starting Your Trip Late
Sometimes, you will be forced to start your trip later than expected. While it’s better than not going at all, it can be a major inconvenience. Travel insurance can help cover the costs of additional travel arrangements and unused travel payments that were non-refundable and prepaid.
Ending Your Trip Early
Furthermore, there are times you are required to cut your trip short. This often requires additional travel arrangements and potentially losing money on prepaid accommodations and excursions. Trip Interruption will help cover these costs.
It is especially important to read your plan documents. Read the exclusions to understand what will disqualify travelers from Trip Interruption benefits.
If you have pre-existing conditions and are looking for coverage, it is important to know how the waiver works. It’s a time-sensitive provision, so purchasing your plan early on is important.
Here’s how the Pre-Existing Conditions Exclusion Waiver works:
- Available in the Classic and Classic Plus plan only.
- You have to purchase the plan within 21 days of your initial trip deposit.
- You have to be able to travel at the time you purchase the plan.
Reasons for Trip Interruption
Illness or Death
Illness or death can happen without warning. It could be the reason you end your trip early or even start your trip late. Travel insurance can cover your trip interruption for the following reasons:
- The death of a traveling companion, business partner, or yourself.
- A family member, traveling companion, or business partner’s covered sickness or injury prevents your participation in the trip.
- Family or friends living abroad can no longer provide accommodations due to life threatening illness, injury or death.
TravelSafe Insurance can cover trip interruption for terrorist attacks in our plans.
- A terrorist incident occurs in a city on your itinerary.
- The attack must happen within 30 days of your scheduled departure date.
Atlantic hurricane season runs between June 1st and November 1st. The Pacific hurricanes season is even longer. If your destination under official hurricane warning issued by NOAA, you can qualify for Trip Interruption.
Here’s how it works:
- The hurricane warning is issued with 36 hours of your schedule departure date and time.
- The hurricane warning is official.
- It must be issued by NOAA.
- Coverage must be effective 14 days prior to the naming of the storm.
Theft of Passport or Visas
What if someone steals your passports or visas? With TravelSafe, you’ll have trip interruption coverage. The theft must be documented with local and official authorities.
Cessation of Services
Airlines shut down for several reasons. If your airline has a cessation of services for 12 hours or more, trip interruption applies.
Reasons could be:
- Unannounced strike
- Mechanical breakdown
- Inclement weather
Revocation of Military Leave
If your military leave is revoked, or you are reassigned due to war, you may be required to end your trip early and head home. Trip interruption can help.
- Your leave must have been previously granted.
- The revocation or reassignment must be official and in writing.
- The official notice is written by a supervisor or commanding officer of the appropriate branch of service.
Being directly involved in a traffic accident can take up hours of your time – hours you don’t have when you are getting ready to depart for your trip. You may miss a flight or cruise departure. Trip interruption can help reimburse you for additional travel arrangements so you can get caught up with your trip.
- The accident must be substantiated by a police report.
- You or your traveling companion must be involved in the accident directly.
- You must be en route to your scheduled point of departure.
Your Home or Destination is Made Unlivable
Chances are you will want to end your vacation early, if a natural disaster makes your home unlivable while you are on your trip. You may even have to start your vacation late for a similar reason.
With TravelSafe, you’ll have coverage for the following:
- Losses occur within 30 days after the natural disaster makes your destination accommodations uninhabitable.
- Your place of residence is uninhabitable due to fire, flood, burglary or other natural disaster.
- You had coverage before the storm or natural disaster was named.
Interruption for Work
Your career is an important part of your life, and we get that. Your plan can cover trip interruption for work reasons.
- Involuntary layoff or termination affecting you or a traveling companion. Employment must have been with the same company for at least 1 continuous year.
- You or a traveling companion are required to work. A written statement from official or unofficial HR is required.
- A permanent transfer of employment of 250 miles or more.
Travel suppliers can go bankrupt without warning. It has happened to travelers while out at sea. Trip Interruption can help cover the cost of additional arrangements to get you home as well as reimburse you for any prepaid travel payments that were not refunded.
- The bankruptcy must occur 14 days or more following your plan’s effective date.
- Airlines only qualify if there is no alternate transportation available.
- Does not qualify if the travel agency you purchased travel arrangements from files for bankruptcy.
- You purchase your travel insurance plan within 21 days of your first trip deposit.
- You insure the full cost of your trip, including any penalties or restrictions.
A mandatory evacuation may occur at your destination. It could be because of things like natural disaster or extreme weather. If your destination is under mandatory evacuation, you will have to interrupt your trip.
Here how it works:
- The evacuation is mandatory and ordered by local government authorities.
- It occurs at your trip destination.
- If a mandatory evacuation order is not issues, you receive official public evacuation notices or recommendations.
Extension of School Year
School closures happen. It can cause the school year to run a little late. If that’s the case, you may qualify for extension of school year.
- It occurs after your plan’s effective date.
- The extension of school year causes the class schedule to extend beyond the scheduled departure date of your trip.
- The cause is not due to extra-curricular or athletic events.
Crime to You or a Traveling Companion
Felonious assault of you or your traveling companion can be covered. If you or your traveling companion experience felonious assault within 10 days of your scheduled departure, you qualify for trip interruption.