Trip Cancellation Insurance

Trip insurance plans provide coverage for U.S. residents traveling domestically or internationally, and non-U.S. residents traveling to the USA. Trip insurance covers a traveler's non-refundable prepaid trip costs in case of trip cancellations, trip delays, trip interruptions, and more.

If you are forced to cancel a trip, miss a flight connection, or are otherwise unable to continue with your plans, trip insurance can reimburse you for a percentage of the prepaid trip costs up to the limits on your policy.

The initial trip deposit date refers to the date when you made your first non-refundable payment or deposit for your trip. This could be a full or partial payment for any travel-related expenses. Examples of non-refundable payments include airline tickets, hotel reservations, cruise bookings, excursions, tours, or event tickets. This date is important when purchasing trip insurance, as certain benefits—like coverage for trip cancellations—may depend on how soon after the initial trip deposit date the policy is purchased.

If you’re unsure about your initial trip deposit date or need assistance selecting the right insurance, contact us at support@visitorscoverage.com or call 1-866-384-9104.

Unfortunately, travel insurance can't be extended once it's been purchased. However, you are not without options should you need to extend. You can buy travel insurance online for the additional travel dates before your current policy expires, and, luckily, doing this wouldn't cost you anymore than if you'd bought for those dates initially. This is particularly important for international travel insurance and countries where travel insurance is required.

Some of the covered Trip Cancellation reasons can include: Sickness, Injury or Death, Felonious Assault, Court Ordered Appearance, Military Duty for Natural Disaster Relief, Jury Duty, Termination/Layoff, Strike, Weather, Hijacking, Terrorist Incident, Traffic Accident, Bankruptcy/Default, Quarantine, Residence Uninhabitable. Please review your specific policy documents for any limits and exclusions.

You may include any non-refundable prepaid trip expenses which you would receive a penalty for if canceled. Trip costs such as pre-paid non-refundable airfare tickets, hotel booking, train tickets, tours and excursions, and more may be included.

Trip Insurance plans are available for U.S. residents and non-U.S. residents who are looking to protect their financial investment in case of a trip cancellation. Trip insurance coverage is available for traveling within the USA and internationally. The insurance must be purchased prior to your scheduled trip departure date.

If a policyholder has contracted COVID-19 after the policy effective date and is no longer fit to travel, they may utilize the Trip Cancellation benefit in order to receive a reimbursement for their non-refundable trip cost. The illness must be documented by an attending physician in order for the policyholder to be eligible for coverage.

The Trip Cancellation benefit will begin the following day after the policy is purchased. Once the policyholder has departed on their trip, the remaining benefits such as Trip Interruption, Trip Delay, Missed Connection, Accident and Sickness, and more will take effect.

Standard travel insurance only reimburses cancellations for specific covered reasons like illness, injury, or severe weather. For maximum flexibility,cancel for any reason travel insurance is available as an optional upgrade. CFAR travel insurance typically reimburses up to 75% of nonrefundable trip costs but must be purchased within a few days after your first trip payment.

Trip Insurance plans will offer an Accident and Sickness benefit under the policy. The Accident and Sickness benefit can be used to cover COVID-19 related treatment and services if contracted after the policy effective date.