Fear is not a covered reason to cancel on a standard travel insurance policy. In order to be covered to cancel a trip due to fear of traveling, travelers would need a policy with the Cancel For Any Reason upgrade.
The Cancel For Any Reason upgrade provides up to 75% reimbursement of non-refundable trip payments and deposits if a trip is canceled for any reason that is not specifically listed within the policy. This benefit is available as an upgrade on some policies and typically increases the premium by about 40%.
In order to be eligible for Cancel For Any Reason, travelers must purchase the policy within 14-30 days of their first trip payment and insure 100% of their prepaid and non-refundable trip costs. Cancel For Any Reason provides up to 75% reimbursement for your trip cost, and requires that you cancel at least 2-3 days prior to departure.
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 24/7 and are delighted to help!