2.08.2014

Trip Cancellation Insurance: Expect The Unexpected - Insurance

Murphy's Law states that what can go wrong will go wrong. While you certainly can plan for almost every possible situation that might cancel an upcoming trip, Murphy's Law may still apply! You may become ill. There may be a family emergency. You may even find civil unrest in the part of the globe where you will be travelling. In these instances, you can be out large sums of money and never even get to leave your home!

What Is Trip Cancellation Insurance?

Trip cancellation insurance helps provide some relief for these unexpected circumstances. If your trip is cancelled for reasons out of your control, you can recover part or all of the non-refundable costs for airline tickets, cruise bookings, hotel reservations, and many other expenses. Many policies will differ in the amount that will be reimbursed; some may allow for lost baggage or medical expenses. It's important that you know what your trip cancellation insurance policy covers and for how much.

What Reasons for Cancellation Allow for Reimbursement?

It will vary among policies. Normally, illness or injury, the death of a family member or travel companion, a natural disaster are covered. The trip does not have to be cancelled before you leave. You should be entitled to reimbursement if a covered event occurs while travelling to and from your destination, and during your stay. If you decide you simply do not want to travel, you will probably not qualify for a claim. You may be required to provide some sort of verification before payment can make. Make sure you know what reasons for a trips cancellation are covered.

Where to Buy Trip Cancellation Insurance?

You can find many websites that offer free quotes for this type of insurance. You may be surprised to find out how inexpensive it is to protect your investment. While you may have spent every penny for a fantastic vacation, a hurricane or earthquake can not be predicted months ahead. Remember Murphy's Law? It's more common than you might think.

Most of these websites also offer you the opportunity to purchase your insurance right online. You can print your policy and all attachments without even leaving your home. You will also find claim forms and other information available for print. Make sure you take a copy of your policy on your trip in case of emergency.

The cost of your trip cancellation insurance will depend on several factors, such as your departure date, destination, length of trip, and planned events. A smart addition to your policy would be medical coverage, as you simply can't predict an accident or illness.

Why This Insurance Is Better than Your Credit Card Travel Protection

Unfortunately, your credit card travel protection usually only covers flight accidents, car rental damage, and accidental death. You also must pay for your travel expenses with your credit card to be eligible for reimbursement.

A Few Final Thoughts

You owe to yourself and your family to protect your investment when it comes to your travel plans. Many vacations have been cancelled due to one reason or another. Those with trip cancellation insurance may be as disappointed as those without when this occurs. However, they certainly will not be out all of their hard earned money.





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