Travel insurance is one of those things that you know you need, but you don’t know quite how much or what type to buy. If you’re like me, the idea of buying travel insurance is overwhelming. You’ve heard about it before, and maybe even made a few purchases in the past, but have never really understood what it actually covers or why it’s so important to have before your next trip abroad.

What’s Covered with Trip Cancellation Coverage

Trip cancellation coverage is designed to reimburse you if your trip gets cancelled or interrupted. This is different from trip interruption coverage, which helps you when you’re already on vacation and have to cancel part of your plan due to unforeseen circumstances like illness or injury.

What Is Covered With Trip Cancellation Coverage?

If you’re forced to cancel your trip because of something covered by this type of insurance (like a family emergency), most companies will reimburse the cost of:

  • airfare
  • hotel rooms booked in advance (with some exclusions)

Coverage for the Whole Family

Travel insurance is available for the whole family and covers everyone, no matter their age. Coverage is based on each person and not the family as a whole. For example, if you have your mom and two kids under 18 traveling together, the two kids will be covered at the same rate as your mom (even though they are under 18).

What if You Need to Cancel Due to Illness as a Senior?

If you have to cancel or postpone your trip due to illness, the same rules apply as outlined in the section above. Yup, that’s right—if you’re over 65 and need to cancel or postpone your trip due to illness, it will cost you $100! Fortunately, there is one way around this: purchase supplemental travel insurance through Allianz Global Assistance (the company that underwrites CSA Travel Protection).

The premium for this policy is $50 (plus any applicable taxes), which can be added directly onto your credit card when purchasing the other type of travel insurance coverage. However—and here’s where things get tricky—you’ll only be able to add this supplemental insurance if you pay for both types of coverage at once.

If there’s one silver lining here, it’s that if an unexpected incident prevents you from going on vacation as planned (due to medical reasons), then Allianz Global Assistance will cover most out-of-pocket expenses associated with traveling home early or canceling altogether; this includes airline tickets ($500 per ticket) and accommodations ($500 per hotel room). So while canceling because of illness may not be ideal for anyone involved—including yourself!—it does at least provide some financial support during what could otherwise be a very stressful situation.

What to Do if Your Trip is Canceled

  • Check the terms and conditions of your policy to see what you need to do in order for a claim to be valid. Some insurance companies, like Cover-More and GlobeGuard, will require you to submit a claim form within 14 days of cancellation; this is usually done online or over the phone. Others may allow you more time—for example, Allianz allows claims up until 30 days after departure date—so check with your provider if there are any particular time limits on filing your claim beyond those mentioned in their general conditions section.
  • Make sure that all required documentation is available before submitting a cancellation request with the insurer: email confirmation from the airline or cruise line (if applicable), receipts and other relevant documents that support your request for reimbursement or compensation (e.g., bank statements showing how much money was spent on nonrefundable travel expenses).
  • Keep in mind when making these inquiries that some insurers will require written proof in addition to verbal communication; so even though most companies provide 24/7 customer service lines as part of their product offerings, it’s always worthwhile giving them a call early on just so there aren’t any surprises later down the road about whether or not everything went smoothly according to plan!

Flight Cancellation

What is covered:

  • Flight cancellation due to a covered reason, such as weather-related delays or cancellations

How to file a claim:

  • Submit your claim online with the insurance company. You’ll need to provide details about your travel plans and flight information. The company will review your request and send you an email notification of its decision within 48 hours. If your claim is approved, you can make arrangements for reimbursement through their website or by calling customer service at 1-800-123-4567 (option 2).

How much can I expect?

While each insurance plan varies in coverage amounts, generally flight cancellation insurance will cover up to $1,000 per person for domestic trips and $2,500-$5,000 per person for international trips.

When Should I Cancel My Trip?

The first rule of thumb is to always cancel your trip if you are sick, injured, or have a family emergency. If you plan to go on vacation and then get sick or injured and need to go to the hospital, that’s a pretty good reason for canceling your trip.

Another good reason for canceling a trip is if someone in your family dies. It’s terrible enough that this has happened; don’t make it worse by having to worry about paying for the costs associated with returning home from your destination (like airplane tickets).

If none of these things apply but you just don’t feel like going on vacation anymore? Then take some time off before booking another one!

What Does Travel Insurance Cover?

  • Lost or stolen luggage coverage is just what it sounds like. If your luggage is lost, damaged or stolen, travel insurance can help with the costs of replacing the items in your bag.
  • Medical emergencies are another major area that travel insurance covers. Should you have a medical emergency while traveling and need to be transported back home, travel insurance will cover those costs as well as any medical care you need while at home recovering from your injury or sickness. It also covers emergency dental needs if they arise as a result of an illness during your trip — but keep in mind that most policies won’t pay for other non-emergency procedures such as braces and implants unless specifically mentioned in the policy’s fine print (though some plans do offer this type of coverage).
  • Lost or stolen passports are generally covered under most standard travel insurance policies; however, there may be some restrictions on how much money is available to replace your passport if it were lost or stolen along with other documents—for example, many policies only allow up to $50 per day for expenses incurred because of missing documents until new ones can be obtained from federal agencies such as U.S Citizenship & Immigration Services (USCIS) or Canadian Immigration Services (CIS). Policies may also place limits on how long they’ll reimburse expenses related to getting replacement passports issued by foreign embassies abroad before canceling the trip altogether

Baggage and Personal Item Loss or Damage Coverage

You can file a claim for any item you’re carrying that is lost, stolen or damaged—as long as it’s covered by your policy.

Loss of valuables in checked baggage due to airline negligence is covered up to $1,500 per passenger per insured trip. If you want more coverage, you can purchase optional coverage up to $2,500. This includes items like jewelry, watches and furs (basically anything made with natural animal fur).

Personal effects are covered under the Baggage Coverage section of your plan starting at $1,000 worth of personal belongings per trip. To increase the amount of coverage available for personal effects on each trip, you can choose one of two options: Personal Effects Valuation (PEV) or Declared Value Coverage (DVC).

Rental Car Protection

Rental Car Protection is a feature that covers you in the event of an accident or damage to your rental car. In some cases, it also reimburses you for lost items. The more expensive your rental car, the higher your deductible. This means that if your deductible is $1,000 and you have an accident in a $30,000 rental car, then your insurance would cover all damages up to $29,000 and then you’d be responsible for paying out-of-pocket for repairs above that amount.

It’s important to note that in many cases (including most major cities), there are “no-fault” laws that require drivers involved in accidents to submit their own report and liability claim before filing any third party claims with their insurer unless they were at fault or there was property damage over a certain amount (typically $500). If these laws apply where you’re traveling then it’s important to know which companies offer no-fault coverage as part of their standard policy since some providers will charge extra for this protection; others may require separate coverage or even deny claims altogether when there’s no fault assigned among drivers involved

Travel insurance can help you get your money back if you need to cancel.

Travel insurance can help you get your money back if you need to cancel.

Travel insurance is a form of protection that covers the cost of trip cancellation, delays, and other unforeseen expenses. It also covers medical emergencies while traveling and lost luggage or baggage claims.

Travel insurance typically comes in two types: travel coverage purchased at the time of booking travel tickets and an annual plan purchased before leaving on vacation. Some policies only cover certain activities such as scuba diving or skiing; others will cover any activity but with added costs for risky sports like skydiving or snowboarding. We recommend researching whether you need specific coverage based on your destination and plans before purchasing a policy from your airline or from another provider like Allianz Global Assistance or TravelSafe Classic Plan from CSA Global


We know that the idea of spending money on travel insurance can be a little daunting, but it’s important to remember that this is money well spent. Traveling without insurance can be financially devastating, especially if something goes wrong. The price of your trip should include a contingency plan for unexpected events such as illness or cancellation, so don’t leave home without it!