Unfortunately, being too scared to travel is never a covered reason to cancel your trip under standard travel insurance policies.
If you are looking for coverage to cancel your trip due to fear, the only option available is purchasing the Cancel For Any Reason upgrade. This benefit allows you to cancel your trip for any reason not otherwise covered by the policy, including fear.
This benefit requires 100% of your prepaid and non-refundable trip costs are insured and only reimburses up to 75% of the trip cost. It also requires the policy to be purchased within 14-30 days of your first booking, and requires that you cancel the trip at least 48 to 72 hours before departure. This upgrade typically increases the premium by about 40%.
This information can vary based on the travel insurance policy. Please review the policy certificate to verify coverage. 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!