What is Interruption For Any Reason travel insurance?

Interruption For Any Reason can provide partial reimbursement for unused prepaid and non-refundable trip payments if a trip is interrupted for a reason not otherwise covered by a policy.

In most cases, Interruption For Any Reason is an optional upgrade that can be added to select policies with Trip Interruption coverage. This benefit is time-sensitive and can only be purchased within 14-21 days of the first payment toward the trip. However, select policies may offer this benefit anytime up until the traveler makes their final trip payment.

Policies that offer this upgrade can cover travelers for 50-75% of their trip cost if they interrupt their trip at least 48 or 72 hours after their departure date, depending on the policy.

Select cruise-only policies offer Interruption For Any Reason as long as the policy is purchased within the time-sensitive window. Policies with this coverage built in can reimburse travelers for $250-$1,000, depending on the policy, if they interrupt their trip at least 48 hours after their departure date.

Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Interruption For Any Reason.

Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Interruption For Any Reason coverage.

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Interruption For Any Reason by Provider

Last Updated: 08/16/2022
Nationwide Mutual Insurance Company Nationwide Mutual Insurance Company
Policy Name and Summary of Coverage
1

Cruise Universal

$250 per person if purchased within 14 days of trip deposit
Covered 48 hours after departure

TRIP INTERRUPTION FOR ANY REASON

If You interrupt Your Trip, forty-eight (48) hours or more after Your actual departure date, for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the a) unused portion of the pre-paid, forfeited, non-refundable Payments or Deposits You paid for Your Trip; b) the airfare paid less the value of applied credit from an unused travel ticket to return home limited to the cost of one-way economy airfare by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets shown on the Schedule of Benefits; provided:

a) Your premium is received within the Time Sensitive Period; and
b) You insure all Trip costs that are subject to cancellation penalties or restrictions, and also insure within fourteen (14) days of the payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip.

Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip.

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2

Cruise Choice

$500 per person if purchased within 14 days of trip deposit
Covered 48 hours after departure

TRIP INTERRUPTION FOR ANY REASON

If You interrupt Your Trip, forty-eight (48) hours or more after Your actual departure date, for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the a) unused portion of the pre-paid, forfeited, non-refundable Payments or Deposits You paid for Your Trip; b) the airfare paid less the value of applied credit from an unused travel ticket to return home limited to the cost of one-way economy airfare by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets shown on the Schedule of Benefits; provided:

a) Your premium is received within the Time Sensitive Period; and
b) You insure all Trip costs that are subject to cancellation penalties or restrictions, and also insure within fourteen (14) days of the payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip.

Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip.

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3

Cruise Luxury

$1,000 per person if purchased within 14 days of trip deposit
Covered 48 hours after departure

TRIP INTERRUPTION FOR ANY REASON

If You interrupt Your Trip, forty-eight (48) hours or more after Your actual departure date, for any reason not otherwise covered by this Policy, the Company will reimburse You for the percentage of the a) unused portion of the pre-paid, forfeited, non-refundable Payments or Deposits You paid for Your Trip; b) the airfare paid less the value of applied credit from an unused travel ticket to return home limited to the cost of one-way economy airfare by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets shown on the Schedule of Benefits; provided:

a) Your premium is received within the Time Sensitive Period; and
b) You insure all Trip costs that are subject to cancellation penalties or restrictions, and also insure within fourteen (14) days of the payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added prior to Your Trip.

Time Sensitive Period means within fourteen (14) days of the Initial Deposit Date and within fourteen (14) days of payment for any subsequent Travel Arrangements added to Your Trip.

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Seven Corners Seven Corners
Policy Name and Summary of Coverage
4

RoundTrip Choice

Optional coverage
This benefit is separate from Trip Interruption

OPTIONAL TRIP INTERRUPTION FOR ANY REASON

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited prepaid non-refundable Payments or Deposits paid to the Travel Supplier for the Travel Arrangements You purchased for Your Trip, if You interrupt Your Trip 48 or more hours after the actual Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:

1. You purchase the Interruption for Any Reason Benefit within the Time Sensitive Period.

If the above conditions are met, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the Additional Transportation Cost to either:

a. join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or
b. rejoin Your Trip from the point where You interrupted Your Trip to the next scheduled destination; or
c. transport You to Your originally scheduled return or final destination of Your Trip.

This benefit does not cover penalties associated with Travel Arrangements not provided by the Travel Supplier for this Trip and failure of the Travel Supplier to provide the agreed upon arrangements for Your Trip for any reason.

In no event shall the amount reimbursed for Trip Interruption for Any Reason exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

Time Sensitive Period means insurance must be purchased within 20 days of the date Your initial Payments or Deposits for Your Trip is received and within 15 days of payment for any subsequent Travel Arrangements added to Your Trip.

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5

RoundTrip Basic

Optional coverage
This benefit is separate from Trip Interruption

OPTIONAL TRIP INTERRUPTION FOR ANY REASON

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited prepaid non-refundable Payments or Deposits paid to the Travel Supplier for the Travel Arrangements You purchased for Your Trip, if You interrupt Your Trip 48 or more hours after the actual Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:

1. You purchase the Interruption for Any Reason Benefit within the Time Sensitive Period.

If the above conditions are met, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the Additional

Transportation Cost to either:

a. join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or
b. rejoin Your Trip from the point where You interrupted Your Trip to the next scheduled destination; or
c. transport You to Your originally scheduled return or final destination of Your Trip.

This benefit does not cover penalties associated with Travel Arrangements not provided by the Travel Supplier for this Trip and failure of the Travel Supplier to provide the agreed upon arrangements for Your Trip for any reason.

In no event shall the amount reimbursed for Trip Interruption for Any Reason exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

Time Sensitive Period means insurance must be purchased within 20 days of the date Your initial Payments or Deposits for Your Trip is received and within 15 days of payment for any subsequent Travel Arrangements added to Your Trip.

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Travel Insured International Travel Insured International
Policy Name and Summary of Coverage
6

Worldwide Trip Protector Plus

75% of trip cost
Covered 72 hours after departure

COVERAGE D

INTERRUPTION FOR ANY REASON

If You interrupt Your Trip, 72 hours or more after Your actual Departure Date, for any reason not otherwise covered by this Policy, benefits will be paid, up to the lesser of a) the Maximum Benefit Amount shown in Your Confirmation of Benefits; or b) 75% the total amount of coverage You purchased, to reimburse You for unused non-refundable land or water Travel Arrangements;

Plus the Additional Transportation Cost paid:

a) to join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements by the most direct route possible to reach Your Trip destination (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket); or

b) to rejoin Your Trip or transport You to Your originally scheduled return destination, if You must interrupt Your Trip after departure, each by the most direct route possible (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket)

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy

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7

Worldwide Trip Protector

Optional coverage
This benefit is separate from Trip Interruption

OPTIONAL TRIP INTERRUPTION FOR ANY REASON

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited prepaid non refundable Payments or Deposits paid for the Travel Arrangements You purchased for Your Trip, if You interrupt Your Trip 72 or more hours after the actual Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:

1. You purchase the Interruption for Any Reason Benefit within the Time Sensitive Period; and

2. You insure the full cost of any subsequent arrangements added to the same Trip within 21 days of the date of Your payments for any subsequent Travel Arrangements;

If the above conditions are met, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the Additional Transportation Cost to:

a) join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or
b) rejoin Your Trip from the point where You interrupted Your Trip to the next scheduled destination; or
c) transport You to Your originally scheduled return or final destination of Your Trip.

This benefit does not cover penalties associated with Travel Arrangements not provided by the Travel Supplier for this Trip and failure of the Travel Supplier to provide the agreed upon arrangements for Your Trip for any reason.

In no event shall the amount reimbursed for Trip Interruption for Any Reason exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

Time Sensitive Period means insurance must be purchased within 21 days of the date Your initial Payments or Deposits for Your Trip is received.

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WorldTrips WorldTrips
Policy Name and Summary of Coverage
8

Atlas Journey Premier

Optional coverage
This benefit is separate from Trip Interruption

Upgrade – Trip Interruption for Any Reason

If you purchase this optional upgrade, the following Benefit is added to Your Policy, with a Maximum Benefit Limit shown in Your Schedule of Benefits:

If You interrupt Your Trip forty-eight (48) hours or more after Your actual departure date, for any reason not otherwise covered in this Policy, We will reimburse You for the Maximum Benefit Amount shown in the Schedule of Benefits of the total amount of coverage You purchased for Your Travel Arrangements, for:

1. the unused portion of the prepaid, non-refundable Payments or Deposits You paid for Your Travel Arrangements; and
2. the additional fare paid to return Home less the value of applied credit from an unused travel ticket, limited to the cost of one-way economy transportation (or similar class as the originally issued ticket) by scheduled Common Carrier, from the point of Trip destination to the point of Trip origin shown on the original travel tickets.

This coverage is only available provided:

a. Your payment for this Policy benefit is received within the Time Sensitive Period; and
b. You have insured one hundred percent (100%) of the value/costs for Travel Arrangements known to you at the time You purchase this benefit.

This Trip Interruption for Any Reason benefit does not cover failure of the Travel Supplier to provide the bargained-for Travel Arrangements for any reason.

Time Sensitive Period means:

For initial Policy purchase:
within twenty-one (21) days of the date Your Initial Deposit for Your Trip is received.

For subsequent arrangements:
within twenty-one (21) days of payment for any subsequent Pre-paid, nonrefundable arrangements added to Your Trip.

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