Travel insurance plans that offer trip cancellation and trip interruption coverage require that a claim be for a covered reason specifically listed in the policy. Covered reasons are typically unforeseeable events that are out of your control.
The most common claims are for a sickness, injury or death of the traveler, a family member or a traveling companion. Other reasons can include, inclement weather causing delays, your home or business being burglarized or catching fire, jury duty and terrorism.
Recent current events, such as the civil unrest in Greece, has raised the question of whether or not this is a covered reason eligible for coverage. Political or civil unrest is not normally a covered event under trip cancellation or trip interruption. If a trip might need to be cancelled because of political unrest, then a travel insurance policy with cancel for any reason coverage should be purchased. Always refer to the certificate of insurance for details.