Trip cancellation is a standard inclusion on most comprehensive travel insurance policies. It provides up to a full refund of your prepaid, nonrefundable costs if you need to cancel a trip for a specific, unforeseen covered reason.
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Document everything. When you're filing a claim, proof is everything. Before they can process a claim, travel insurers will need all the evidence that proves your loss. Keep cash and credit card receipts for expenses you incur, and gather documentation.