Travel agents frequently recommend buying travel insurance for overseas itineraries in case you are unable to make the trip. However, if you try to cancel because the airline on which you are scheduled to fly has an accident, insurance is unlikely to reimburse you. Cancellations are covered only if the reason is specifically listed in the policy — such as terrorism, a weather event, or illness — said Jenna Hummer of Squaremouth.com , a travel insurance-comparison site.
The exception is for people who buy a “cancel for any reason” policy. However, such policies generally must be bought when you book the trip or soon after, and they typically cost about 40 percent more than standard trip-cancellation insurance, Hummer said.
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