Travel insurance benefits vary from plan to plan -as does the coverage one may desire. The following is a list of typical issues that may arise during a trip that you may want to consider when evaluating trip insurance plans. Some situations are typically covered in base policies, while others may only be covered under a Cancellation For Any Reason (CFAR) policy – or perhaps not covered at all. Any particular coverage concerns should be clarified with insurance reps.
Note: SJSC makes no recommendations of insurance carriers and plans. This document is provided merely as food for thought.
Note: SJSC makes no recommendations of insurance carriers and plans. This document is provided merely as food for thought.
- Baggage delay or loss of money or possessions from loss or theft
- 24-hour travel assistance
- Medical/dental expenses during the trip, including transportation
- Cancellation or early return home due to medical emergency to self or immediate family member, due to illness, accident or death.
- Emergency evacuation from destination to a hospital of your choice.
- Incurred cost of a missed connection, including higher priced alternative route or layover lodging.
- Financial default or failure of airline, lodge or resort operations
- Cancellation or interruption due to damage to home from natural event, mechanical failure or other causes.
- Inclement weather issues – cancellation, interruption or extended stay at destination or connecting city
- Civil or political instability at home or destination
- Loss of employment due to involuntary layoff or termination
- Trip cancellation due to critical employer or personal business issues
- COVID-related issues:
- Denial of entry to destination due to local or national health policies
- Trip interruption due to quarantine upon arrival at destination
- Shutdown of destination skiing operations
- Costs incurred due to quarantine restrictions, including additional lodging expenses at destination prior to return home
- Trip cancellation due to positive COVID test result.
- Fear of travel because of prevailing infection rates
- CANCEL FOR ANY REASON (CFAR):
- A CFAR plan is supplemental to a base plan, not a replacement for it.
- Usually must be purchased soon (10 to 21 days) after initial trip payment and must apply to 100% of pre-paid, non-refundable trip cost.
- Cancellation must be no less than 48 to 72 hours before trip departure
- A CFAR plan typically partially reimburses (50 to 75%) for reasons not otherwise covered in the base policy
- Traveler should check that cancellation isn’t already covered in base policy, which reimburses at 100%
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