Compare trip interruption for travelers

Trip interruption lets you return home unexpectedly in the middle of traveling while getting reimbursed for unused, nonrefundable expenses. But make sure you know what passes as a qualified interruption first.

Is trip interruption worth it while traveling?

Trip interruption coverage may be worth considering if you plan your travel months or years in advance, you need more flexibility or if travel costs are expensive for you.

However, paying more money for trip interruption may be unnecessary for shorter, less expensive trips like domestic travel, or if you already have coverage through your travel insurance or credit card perks.

What’s included with trip interruption for traveling?

The exact items covered under trip interruption can differ between insurers. But you’ll typically receive:

• Refunds for prepaid expenses, usually 100% to 150% of your trip’s cost
• Refund for a companion’s lodging if you booked shared accomodations
• Cost of traveling home
• Refund for unused lodging or services covered by your policy
• Extra lodging, meals and transportation if you need to stay at your destination longer, up to a specific amount
• Customer support to arrange your travel back home or relay messages to family

How does trip interruption for traveling work?

Trip interruption goes into effect after you leave for a trip, reimbursing expenses if you need to cut your trip short or stay at your destination longer. Many travel insurance companies include this benefit in their policies. Some companies lower your cost by nixing trip interruption altogether, while others let you choose it as extra coverage.

If your plans change for any reason covered by your policy, you should call your insurance company as soon as possible. Some companies have time limits for notifying them, such as 72 hours.

After explaining your plans, your company should help you make arrangements and coordinate reimbursements. However, you may need to contact any other services booked like hotels or car rentals to change your plans with them.

Possible reasons covered by your insurance include:

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Name	Product	Trip Cancellation	Emergency Medical Expenses	Baggage Coverage	Trip Delay
Travelex Travel Basic		100%	$15,000	$500	$500	Essential travel coverage — with the option to customize — that can protect the cost of your trip.	Go to site View details	Compare	loading Fetching your data...
Travelex Flight Insure			$10,000	$1,000	$100	Protect the cost of your flight and choose the coverage amount that meets your needs — trip delay protection included.	Go to site View details	Compare	loading Fetching your data...
RoamRight Essential Travel Insurance Plan		100%	$15,000	$750	$500	Basic policy with coverage that includes trip cancellation insurance, tourist health insurance and baggage insurance.	Go to site View details	Compare	loading Fetching your data...
Travel Guard Silver		100%	$15,000	$750	$500	Budget-friendly coverage with basic travel protections that include trip cancellation and trip interruption.	Go to site View details	Compare	loading Fetching your data...

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What’s not covered by trip interruption for traveling?

Travel interruption coverage won’t cover certain trip changes, such as:

• Controlled or voluntary circumstances
• Expenses or refunds related to extreme sports or sports competitions
• Interruptions due to pregnancy
• Known threatening conditions at the destination
• Pre-existing medical conditions
• Travel for medical treatment
• Travel vendor’s bankruptcy

Bottom line

You might want to ensure you have trip interruption on your travel insurance if you’re booking expensive travel far in advance. But different travel insurance companies offer a variety of coverage and benefits to go along with that interruption coverage. Consider the options that work best for your adventures, whether near or far.

Frequently asked questions about trip interruption coverage

• Are prepaid attraction tickets covered if I have to cut my trip short?

  Most likely, yes. If you prepaid for an attraction and interrupt your trip for an approved reason, your attraction tickets may be covered if they’re nonrefundable. However, every travel insurance company excludes different items, so double check with your policy.

• What if I booked travel using points or miles?

  You probably can’t get refunds through your insurance for travel booked using points or miles.

  However, travel vendors may refund those points or miles if you request the refund within their time window before that part of the travel occurs. In some cases, you may lose the points you accumulated.

• Should I consider extra trip interruption coverage if my credit card company offers free coverage?

  Only if you need extra coverage. Consider whether the coverage would protect most possible scenarios. For example, a delayed international flight could mean your luggage gets delayed for several days. If the airline doesn’t reimburse you, your credit card may not have enough coverage to buy clothing, gear and necessities you meant to use during those days.