Unfortunately, fear of traveling is not a covered reason to cancel on most travel insurance policies.
While the threat of a natural disaster can raise concerns for travelers, fear of traveling is not a covered reason to cancel with travel insurance unless your policy contains Cancel For Any Reason.
The Cancel For Any Reason upgrade allows you to cancel for reasons not typically listed on policies and can provide up to 75% reimbursement.
This upgrade must be purchased within 7-14 days of your first booking on the trip and requires that you cancel at least 2-3 days prior to your scheduled departure.
If the earthquake occurred at your destination and directly affects your trip — for example, destroyed your hotel or significantly delayed your travel arrangements — you may be covered to cancel your trip due to the earthquake under the standard Trip Cancellation benefit of your policy.
This information is subject to change and 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 24/7 and are delighted to help.