Trip cancellation and interruption
Cancellation protects eligible prepaid trip cost before departure for covered reasons. Interruption addresses a trip that has already started and can involve unused arrangements or additional transportation.
- Read the covered-reason list.
- Separate cancellation from interruption.
- Check the insured trip cost and any benefit maximum.
Emergency medical and evacuation
Medical and evacuation are related but different. One pays eligible medical expenses; the other addresses medically necessary transport under the policy's conditions.
- Medical maximum and deductible.
- Primary versus secondary wording.
- Who coordinates evacuation and where transport may go.
Delay, missed connection and baggage
These benefits often depend on time thresholds, common-carrier records, item limits, receipts, police reports, or other proof.
- Waiting period or trigger.
- Eligible expenses.
- Per-item or special-item limits.
Exclusions and definitions
Definitions can narrow a benefit dramatically. Read terms for pre-existing conditions, covered reasons, travel supplier, common carrier, medical necessity, destination and known events.