The Case for Trip Interruption Insurance

Trip Interruption Insurance
Travel insurance can help protect your vacation plans against illness, travel delay, and so much more.

When traveling, there is always the risk of an unknown disruption that can put a significant headache in your travel plans. Weather, for example, is the leading cause of flight delays and cancelations. Mechanical issues can also arise and put a big dent in your itinerary.

A lot can go wrong en route to your destination. So, before looking at beachfront vacation rentals, it’s essential to look into trip interruption insurance. It’s something we highly recommend as destinations around the world reopen for travel.

What Is Trip Interruption Insurance?

Basically, trip interruption insurance is a way for you to recoup unused, nonrefundable prepaid travel costs. If your trip is cut short or you cannot travel due to illness, or if you are forced to stay longer than intended, trip interruption insurance can come in handy.

Most policies now provide coverage against illness due to COVID-19.

For example, if you or anyone in your group tests positive for COVID before your trip, you can cancel and recoup some of your expenses. Should you test positive during your stay and have to isolate delaying your return home, your policy provides a benefit to help cover additional lodging expenses.

Outside of COVID, most policies cover medical emergencies and provide a 24-hour emergency hotline to help connect you to medical providers abroad.

Let’s say you’re out to dinner and break a dental crown. Without trip insurance, you’d be on your own to find a dentist and pay out-of-pocket to replace the crown. With trip insurance, you will have access to an emergency hotline where support agents can link you to qualified medical experts and provide a $1,000 benefit to help cover the costs of the dental work.

Trip insurance provides peace of mind against the unexpected so that you can enjoy your vacation worry-free. If you are traveling with seniors or anyone with a medical condition you should strongly consider purchasing coverage. Remember, Medicare coverage stops at the border.

Review the policy coverages and benefits provided by Generali Global Assistance.

Who Offers Trip Interruption Insurance?

Many large companies offer trip interruption insurance: Chase, Allianz, and American Express to name a few. We partner with Generali Global Assistance, a leader in the travel assistance industry and a subsidiary of one of the largest insurance companies in the world.

Guests will have the option to add coverage to their reservations after booking their accommodations. The cost to add trip insurance is approximately 6.95% of Rent plus our Service Fee.

So, for a 7-day vacation, you can protect your entire vacation investment for less than half of one night’s worth of rent.

Coverage must be added prior to 60-days from arrival. Generali provides a no-risk 10-day trial period so you can review the terms and coverages before purchasing a policy.

How to Stay Updated on Flights and Potential Disruptions?

You can keep an eye on our blog for updates regarding travel. Airlines have scheduled additional nonstop flights from major gateway cities to keep pace with rising demand. Spring break and summer dates are booking fast now that family travel is approved under Phase 5 of reopening.

Delta, American Airlines, Southwest, and United will start service to Cayman in February and March 2022. Cayman Airways restarts nonstop service from Denver in late February.