Travel Insurance FAQ

Can a Trip be Canceled Because of War?

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Most travel insurance plans offer coverage for trip cancellation and trip interruption. These benefits will reimburse the traveler pre-paid and non-refundable expenses if, for a covered reason, the trip is canceled before it starts or interrupted after departure. War and acts of war are normally not listed as a covered reason, in fact, are often specifically listed in the general exclusions for all coverage. There are some plans that will cover acts of terrorism, but not war.

If a traveler is concerned that the trip will not happen because of war, then it is best to find a plan that offers cancel for any reason coverage. This allows the traveler to cancel the trip without providing a reason, but must do so at least 48 hours prior to departure. Also, to qualify for this benefit, the insurance must be purchased within a set amount of time from the initial trip deposit date, normally 14-30 days, depending on the plan. Cancel for any reason will only reimburse a portion of the trip cost, not the full 100% like trip cancellation. Lastly, this coverage is normally a selectable upgrade that will raise the cost of the premium by about 40%. Always refer to the certificate of insurance for details.