What are the benefits of travel insurance cancellation?

Trip Cancellation is a pre-departure benefit that can reimburse 100% of a traveler's trip cost if they need to cancel their trip for a covered reason. The most common covered reason is unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member.



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Airlines reserve the right to waive off any applicable penalties at their discretion. If you would like to cancel your flight due to medical reasons, please contact the airline directly with a copy of your medical certificate requesting them to waive any applicable cancellation fees.

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Canceling a nonrefundable fare will result in an eCredit for the full amount paid (minus any cancellation fees, depending on fare type and route). However, if you cancel a refundable ticket, you'll get the amount paid refunded back to your original form of payment.

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Covered reasons for Trip Cancellation
  • Medical reasons (unforeseen ailment, injury or death in the family)
  • Inclement weather or natural disasters (tropical storms, hurricanes, etc.)
  • Terrorist attack (in or around where you're planning to visit)
  • Financial default (of a carrier)
  • Involuntary layoff or termination.


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Important: While travel insurance policies may be more comprehensive than credit card protections, there are limitations. They typically won't cover non-essential medical expenses, high-risk sports or activities, or pre-existing conditions — at least without paying for add-on coverage.

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Who should not travel by air? Diseases that prevent you from boarding a plane
  • Chronic obstructive pulmonary disease (COPD)
  • A recent stroke.
  • Infectious diseases, such as chickenpox, influenza or even COVID-19.
  • A recent surgery.
  • A pregnancy of over 28 weeks.
  • Angina (chest pain at rest)


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Cancel For Any Reason. Cancel For Medical Reasons is included in most Trip Cancellation policies, and allows policyholders to cancel their travel plans due to an unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member.

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The two most common types of travel insurance to purchase for medical coverage are comprehensive plans and medical-specific plans. Each covers medical-related costs differently.

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Canceling a nonrefundable fare will result in an eCredit for the full amount paid (minus any cancellation fees, depending on fare type and route). However, if you cancel a refundable ticket, you'll get the amount paid refunded back to your original form of payment.

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Here are some approved reasons that would qualify under Trip Cancellation, according to SquareMouth: Medical reasons (unforeseen ailment, injury or death in the family) Inclement weather or natural disasters (tropical storms, hurricanes, etc.)

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