I’m back after a few major high stress life changes. My son graduated from High School and moved away to college. We also sold our house, downsized (which was harder than I thought it would be) and moved to a small town 10 miles away.
We are taking a cruise in the Baltics which includes Russia. Does any policy allow us to cancel our trip before we leave if the cruise line changes the itinerary to not include St Petersburg?
No, travel insurance doesn’t cover pre-departure itinerary changes as a normally covered reason. Travel arrangements cancelled by a tour operator, airline or cruise line, are also known as “Failure of the tour operator, common carrier, person or agency to provide the bargained-for travel arrangements”. This means that if the travel supplier changes the itinerary, but still gives you a similar trip, there’s not a valid claim with a Travel Insurance plan (all plans have this exclusion).
There are a lot of other things that travel insurance doesn’t cover: see the common exclusions).
There’s one exception to the exclusions: You can get policies that let you cancel your trip for any reason. Not surprisingly, they are called Trip Cancellation for Any Reason Plans. Click on this link to get more information.
I don’t want you to think nothing is covered. Visit this page to see what trip cancellation travel insurance covers.