When getting a travel insurance quote, the return date is required. That date is the end date of coverage, so long as there is no incident where a claim is started. If the traveler cancels, then the policy end date is the date of cancellation. If the trip is interrupted and the traveler returns home, then the date they arrive back home is the end date. In a situation where medical attention is required for an incident during the trip, and hospitalization lasts beyond the original return date, then coverage will extend until the traveler is released from the hospital and returns home. The same is true for a travel delay which causes the return home to be after the original return date, arriving home signifies the end of coverage. Always refer to the certificate of insurance for details.