Read these “covered reasons” carefully because if the reason you cancel is not listed within the plan then you will not be covered. As an example some companies say that in order to be covered for “financial default” of an airline, cruise line, or tour operator that you must buy your travel through a third party rather than directly with the airline, cruise line, or tour operator and you must buy the coverage within a specific time period of your intial trip deposit.

These exclusions are used to limit the “covered reasons” and should be read carefully and in concert with the “covered reasons”. Many of the plans will waive the pre-existing conditions clause if you purchase your insurance within a 10 to 21 day period(depends on the plan) from when you pay your initial trip deposit.

Trip cancellation/interruption coverage usually will include coverage if you must cancel or interrupt your trip due to a medical reason or death of a “family member” regardless of whether they are traveling with you. However, not all companies define “family members” the same. Some companies will provide a broader definition than others. Some companies will provide coverage if you must cancel or interrupt your trip because of the “family members” of traveling companions while others will only cover you if the travel companion has cancelled due to a medical reason or has died.

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