Canceling a trip out of fear of traveling, or simply no longer wanting to go, is never a covered reason under standard travel insurance policies.
The only way travel insurance can cover you to cancel just because you no longer want to go on your trip is through the Cancel For Any Reason benefit. This is an optional upgrade that can added to some policies, and typically increases the premium by about 40%.
In order to be eligible for this benefit, you must buy your policy within 14-21 days of making your first trip payment, and must insure your entire trip cost. In order to cancel under this benefit, you must cancel your trip in its entirety at least 2 days before your scheduled departure date. This benefit can reimburse up to 75% of your trip cost.
This information may vary based on the travel insurance policy. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available from 8am to 10pm ET, seven days a week, and are delighted to help!