Sometimes, your vacation gets interrupted due to one issue or the other. This is one of the heartbreaking events that cut short your vacation. Trip interruptions are often due to several issues like illness, severe weather conditions, injury, and unexpected family emergencies. Cases like this affect your trip and are always very costly to resolve. For this reason, having trip interruption insurance coverage is vital.
Trip interruption insurance is a type of travel insurance that covers several trip interruption situations. It is an important insurance plan to consider while you plan on traveling. Generally, trip insurance offers both trip cancellation, interruption, and delays. Trip interruption insurance offers coverage for trip-interrupted-related costs and is beneficial to travelers.
What Interruption Expenses Does Trip Interruption Insurance Cover?
As previously stated, there are several things trip interruption covers. It covers non-refundable travel costs like hotels and flights. Other expenses Trip insurance covers include:
- Additional transportation costs to return home if you leave after your departure date.
- Additional funds spent on accommodation if you are required to stay at your location due to an interruption.
- Extra transportation cost to rejoin the trip from the point of the interruption.
- Non-refundable costs like hotel bills if your trip is interrupted.
These expenses and other related expenses are covered in a trip interruption policy. It is, however, important to check your policy for what is and is not covered by your policy.
Interruption Reasons Trip Interruption Insurance Covers?
Just as this insurance covers several expenses related to trip cancellation issues, there are some interruption reasons it covers. These reasons include:
- Illnesses or injuries to you or your travel companion.
- Death of a travel companion.
- Natural disasters.
- Demanded quarantine.
- Terrorism issues.
- Direct involvement in a recorded traffic accident.
- Mechanical failure of a common carrier like airplanes or travel buses.
- Demanded departure.
- Severe weather.
- Destination unlivable due to fire or natural disaster.
However, it offers coverage only for reasons covered or indicated in the insurance policy. This means reasons that are not indicated in your policy will not be covered.
What Does Trip Interruption Insurance Not Cover?
While trip interruption coverage covers a wide variety of expenses and interruption reasons, it does not cover every incident. Some of its exclusions include:
- Interruption due to criminal or illegal acts.
- Emotional or mental disarray that does not require medical attention.
- Already existing medical conditions.
- War
- Intoxication
- Injury related to hang gliding, deep-sea scuba diving, and skydiving.
- Childbirth
- Suicide
What are Trip Interruption Insurance Coverage Limits?
Between 100% and 150% of the insured trip expenses are reimbursed by travel insurance policies. Insurance companies often sell coverage with different policy limits. This means, depending on your insurance policy type, these limits vary. Also, how much will be reimbursed varies by insurance companies.
Benefits of Trip Interruption Coverage
There are two basic benefits of trip interruption coverage. Aside from the range of expenses and reasons it covers, it offers peace of mind if you have to end your trip before time. One of the benefits of this insurance is that it reimburses you for non-refundable and unused trip costs, like advanced bookings for side excursions, hotel bills, and airfares if your trip gets interrupted while transporting.
Another benefit is that all related costs to travel back home will be covered if you have already arrived at your destination. These benefits make handling the situation much easier. However, if you do not have this insurance coverage, you will have to pay all expenses out of pocket.
Trip Interruption Insurance Cost
Generally, trip interruption insurance is a part of comprehensive travel insurance plans. How much this insurance costs varies depending on several factors. These factors are policy type, policy limit, income, coverage options, and also desired travel location.
Using these factors, insurance companies evaluate how much insurance you need as well as premiums. However, these factors are different with every lender. They are used to determine risks, especially your travel destination and the activities you will carry out there. The level of risk these factors determine how much you will pay on trip interruption coverge.
How to Get Trip Interruption Coverage
Most credit card providers offer trip interruption coverage as benefits to their customers. Trip interruption insurance can be gotten from insurance companies that offer travel insurance. While you can get this insurance from credit card providers as a benefit, it makes more sense to purchase this insurance from travel insurance companies. This is because they offer flexibility, allowing travelers to select their preferred type of insurance and customize it.
