When shopping for the best travel insurance deal, there is a way to decrease the cost of the premium. By entering a $0 trip cost, the cost of the travel insurance premium will be substantially less. This will effectively eliminate the potential for a claim to reimburse the non refundable costs in the event of trip cancellation and trip interruption. However, some plans will still offer reimbursement for return airfare, up to a set dollar amount, when a trip is interrupted.
It is important to note that in order to qualify for some benefits, the $0 trip cost is not an option. For example, to qualify for the pre-existing conditions waiver or to get cancel for any reason coverage, many plans require that all pre-paid, non-refundable trip costs be included in the travel insurance quote.
Always refer to the certificate of insurance for details.