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Will Trip Cancellation Insurance Help You?

The short answer is “Yes it likely will”. The long answer is that between our over 500 pages, including Steve’s Blog, and only hiring smart people, you will learn more about Travel Insurance that you expected.

Government advisories, restrictions, fear, worry, etc are not covered reasons to cancel a trip. Learn about overlooked exclusions here. If you want to cancel your trip for any not-covered reason, you need the Cancel For Any Reason (CFAR) coverage.’s Trip Cancellation Travel Insurance plans give you back, up to the plan’s limit, your prepaid trip costs if you are forced to cancel your cruise, tour or trip due to your policy’s listed covered events. It’s important to know what is and isn’t a covered event.

Travel insurance will not cover you for events that, on the date you buy your policy, are expected to cause you to have a claim. It’s like wanting to buy Fire Insurance when your house is on fire. Read: “Do Callers Think We Were Born Yesterday?” or “Gina Didn’t Need Trip Insurance Until Now“.

This is very important when you want Pre-Existing Medical Condition coverage. That’s because a travel insurance claim will likely be denied if the condition doesn’t worsen. In other words, if the person with the pre-existing condition has already had “a turn for the worse” prior to you buying your travel insurance, there won’t be any coverage.

How Travel, Trip, Cruise Cancellation Insurance Works:

  • Trip Cancellation Insurance coverage:
    You, a close family member or a traveling companion gets hurt or sick before you leave (your medical records must substantiate what happened to you). Travel Insurance reimburses you the money you lose. This may include pre-existing medical conditions. Other events that could cause you to cancel your trip are: you’re required to work or natural disasters.
  • Trip Interruption Insurance coverage:
    You, a close family member or a traveling companion gets hurt or sick during your trip and you have to return home early. Before the trip it’s trip cancellation. During the trip it’s trip interruption. Our plans provide coverage for the unused value of your trip and the cost of one-way airfare up to the plan’s limit.
  • Emergency Medical & Evacuation Insurance coverage:
    You get hurt (ie – hit by a cement truck) or sick on your trip. Travel Insurance can reimburse you your medical expenses including medical transportation home. You won’t be left in a foreign country. And, did you know that Medicare doesn’t cover you outside the USA?
  • A Trip Delay forces you to have extra meal and accommodation expenses
  • Your luggage is delayed, lost, stolen or damaged. If your checked luggage doesn’t arrive within 12 or 24 hours, you may be reimbursed for items you need to buy. Or if it’s damaged or never arrives, most policies provide coverage.
  • Or you may get a “Cancel For Any Reason” plan to cover any possible reason to cancel your trip including: you change your mind, you’re afraid to travel, you just don’t want to go.

“If You Are Dead Serious About Understanding How Cruise, Travel & Trip Cancellation Insurance Works, Will Be The Most Important Website You Have Ever Read”

The reason I stuck with Trip Insurance Store in my research was that I really liked Steve’s blog and various comments throughout, I felt confident about what I was reading (I hate dealing with insurance). When I called with questions I was extremely pleased with your answers and professionalism. No hard sell. Calm and competent. Will tell others. Thanks, Jean H. Allenhurst, NJ
I have been using The Trip Insurance Store for many years and have recommended your company to other travelers. The policy comparisons are exactly what I want to see. Explanations of terms with examples to make it easier to understand. Your personal service is amazing. Always a quick reply and willingness to help navigate the trip insurance world. BIG thank you to you Steve! Gratefully, Jan G., Sacramento, CA

Why should you get your travel, cruise or trip insurance from and nowhere else?

  • You get our help if you have a claim. We will review your claim forms for you.
  • You want an intelligent conversation about how travel insurance works for you. Steve only hires smart, friendly & not-in-a-hurry women. Call us toll free at 1-888-407-3854 for personalized service, with no pressure to buy, at no extra cost. Or email at: steve [at]”

    “We enjoy doing business with you. Professional yet cordial, patient and friendly. Your accessibility is a welcome feature of your business practice.” – Tom C. in Honolulu (19 policies since 2009).

  • You will get the truth, not a sales pitch. Not all trips need travel insurance (gasps from competitors). Andy from Virginia said, (after I told him not to insure his trip) “Steve, thank YOU for your prompt reply and candid advice! Andy”.
  • You get pre-screened travel insurance companies. It’s the plans Steve rejects that makes TripInsuranceStore the Best Travel Insurance website
  • You get detailed side-by-side travel insurance comparison quotes
  • Teachers, Lawyers, Accountants, Engineers, Medical Professionals, Managers, Programmers and Business Owners especially appreciate all the details and candid advice.

Yehey!!! Your site and your staff are truly wonderful (I want to use ‘awesome’ but for personal reasons, that word has been reserved for the Supreme Deity)! Regards, Bet M., Fords, NJ

Ready to Purchase? It's easy and safe to purchase online or over the phone - just call Deanna, Kim or Steve at 888-407-3854 or 507-214-3854.

PS - Read Steve's Blog or you may Subscribe to Steve's blog here

PPS - Even though is the world's most informative travel insurance website, you are still responsible to know the coverage terms, conditions, limitations, and exclusions of your plan. No comments or explanations confirm or deny coverage. You need to refer to each plan's policy wording.

PPPS - The Trip Cancellation coverage begins at 12:01 a.m. on the day after the date the policy is purchased. All other coverages begin when you leave home for your trip when your departure date is in the future.

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