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Trip Insurance Considerations

8/25/2021

 
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.   
​

  • 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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