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Trip Interruption Insurance Explained

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Table of Contents

What is trip interruption insurance?

What does trip interruption insurance cover, what is not covered by trip interruption insurance, how much does trip interruption insurance cost, what's the difference between trip cancellation and trip interruption insurance, trip delay vs. trip interruption coverage, how do i get trip interruption insurance, which insurance coverage is best for me.

Trip insurance is an important consideration if you plan on traveling, and understanding the difference between plan benefits is crucial. Some benefits protect you before your trip begins, such as trip cancellation, while others offer coverage during your travels like trip interruption.

Trip interruption insurance will reimburse the unused portion of your trip if it has already begun and an unexpected incident forces you to return home early. This post-departure benefit is particularly useful when booking expensive trips. Here’s what you need to know about trip interruption insurance and how to get it.

If you miss a portion of your trip due to a covered reason, you can use trip interruption benefits to get reimbursed for any unused, prepaid, nonrefundable trip expenses, such as hotel nights or excursion bookings. You may also be reimbursed for additional charges such as booking a new flight home, additional hotel nights and airport taxi fare. Importantly, trip interruption also applies if your trip is cut short due to a covered COVID-related medical reason .

Because trip interruption insurance kicks in after your trip has begun, it's considered a post-departure benefit. A list of valid reasons for coverage are stated in each policy, but they are usually extraordinary and unforeseen circumstances. For example: illness, injury, the death of the traveler or traveling companion, severe weather, terrorist action, job loss, etc.

Many comprehensive travel insurance plans and some premium travel credit cards offer trip interruption insurance. Depending on the policy, the coverage can range from 100% to 200% of the total trip cost, be capped at a predetermined dollar amount or purchased as an optional add-on.

» Learn more: How to find the best travel insurance

Imagine you go on a $5,000, two-week hiking trip to Bariloche, Argentina, and on the third day of the trip, you fall and hurt your ankle. You go to a local hospital and the doctor tells you that it's sprained and advises you to stay off your feet and not do any hiking. After a few days of taking it easy, the pain becomes worse and you decide to cut your trip short and head home for X-rays and an appointment with a specialist.

If you have trip interruption insurance, you will be reimbursed for the unused, prepaid, nonrefundable hotel stay, your original return flight, the cost of new airplane tickets to return home early and additional transportation expenses such as a taxi to the airport and from your return airport home. The reason for the interruption is considered covered since you’ve sustained a serious injury that prevents your continued participation in the trip. You will need to notify the insurer of the incident within a specified time frame (which will be stated in the policy) and follow the protocol to ensure you receive reimbursement.

Using the Argentina trip example above, if your policy reimburses up to 200% of the trip cost, the benefit payable to you can be up to $10,000. The percentage can be above 100% to account for extra costs that a policyholder may incur to return home. Generally, the reimbursement of your return transportation cannot exceed the cost of economy plane tickets (or the same airfare class as the original ticket), and will be reduced by the amount of any refunds already received from the airline and must usually be the most direct route.

If you don’t have trip interruption insurance, you’ll be at the mercy of the hotel when trying to negotiate a refund for the unused portion of your hotel stay. You would also be liable for the additional costs to get home (a new flight, change fees, and transportation to the airport and from the airport to your home). So, if a last-minute flight home costs $1,000, you’d have to absorb that entire amount.

If you plan on traveling during the ongoing pandemic, ensure that you find a policy that offers COVID-19 coverage .

» Learn more: What kinds of trips should you protect with travel insurance?

Not every reason for interrupting your trip qualifies as a covered reason. Losses sustained due to intentional acts (such as self-harm), pregnancy or childbirth, mountain climbing, war, illegal acts, drug use, and trips taken against the advice of a physician will not be covered. Other exclusions may apply; check your policy for specifics.

Some policies also exclude pre-existing conditions that have occurred within a specified time frame prior to departure. The list of exclusions can vary based on the insurer and the state you live in, so you’ll need to check your policy's fine print to ensure you’re aware of what is and isn’t covered.

» Learn more: The majority of Americans plan to travel in 2022

Trip interruption coverage is usually included within comprehensive travel insurance plans.

Using the same $5,000, two-week trip to Argentina, a search of policies on travel insurance broker SquareMouth (a NerdWallet partner) ranged from $115 to $361, representing 2.3% to 7.2% of the total trip cost. The coverage ranged from 100% to 200% of the trip cost, and some of the lower-priced plans offered coverage in excess of 100%. The more expensive plans usually offered higher limits on medical expenses and evacuation.

If you have a premium travel credit card that offers trip interruption insurance, this coverage is provided free of charge as long as the trip is purchased with the applicable credit card.

Trip cancellation coverage applies in situations where you cancel your trip before it starts. If you haven't left yet, and you have to scrap your plans for a covered reason (such as an injury or illness), you can get some or all of your trip expenses reimbursed through trip cancellation coverage.

Trip interruption insurance, on the other hand, is about when something happens during your trip. Let's say you're on a trip and you suddenly have to get home to deal with a death or injury in the family. Trip interruption insurance will cover this situation, recompensing some or all of the remaining expenses in the trip.

Trip delay insurance covers situations where your trip is delayed, such as when an airline bumps your flight to a later date (which may entitle you to additional flight delay compensation ). The expenses accrued from a delay, such as rebooking fees for hotel rooms, will be covered by trip delay insurance.

Trip interruption insurance, meanwhile, only applies if something happens that makes you cancel the remainder of your plans altogether — rather than just having them delayed.

In general, trip delay insurance will apply when your transportation goes awry. Trip interruption coverage applies when something else (like a medical emergency ) affects your trip.

The two most common ways to get trip interruption coverage are by buying a travel insurance policy or applying for a premium travel credit card that has trip insurance benefits.

The Business Platinum Card® from American Express and many other American Express cards provide up to $10,000 per trip ($20,000 per year) in trip interruption benefits. Terms apply. The Chase Sapphire Reserve® will also reimburse you or your immediate family members up to $10,000 in losses per trip interruption.

These premium cards also include other insurance benefits like trip cancellation, trip delay , emergency assistance and more. If you frequently purchase trip protection benefits, applying for one of the cards that offer travel insurance could make a lot of sense. All these cards offer a multitude of useful travel benefits and various statement credits that will usually offset at least part of the annual fee.

If you’re going on a trip that is more expensive than the limit provided by the credit card, purchasing a separate travel insurance policy is a good bet. Also check that your credit card will cover COVID-related claims before you decide to forego a separate policy.

If you’re going on an expensive trip, getting a travel insurance plan that includes trip interruption coverage makes a lot of sense. If the trip is relatively inexpensive or you already have coverage through your credit card, you may not need to purchase a trip insurance coverage.

However, if you’re looking for additional coverage like travel medical insurance , Cancel For Any Reason (CFAR) and/or your credit card doesn’t have sufficient limits, consider a comprehensive travel insurance policy from providers such as AAA , Allianz , or AIG .

In some cases, purchasing travel insurance may not be necessary . So familiarize yourself with all available options before you decide whether or not you should purchase a policy.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

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Trip Interruption

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Travel Right

The Hanover’s Travel Right endorsement cannot solve every problem you might encounter on the road — nevertheless, for many reasons, this extra protection is the right way to go — wherever you happen to be going.

Here’s why.

We make traveling more comfortable.

A lot can go wrong when you’re on the road trying to get from point A to point B — and back again. Sometimes troubling events can happen when you’re in your own vehicle; sometimes when you’re in a rented vehicle. And occasionally, as hard as it is to think about, it can involve your family pet. Travel Right can help.

Trip interruption coverage

Chances are you’ve been more than 100 miles away from home on many occasions. Now suppose if on one of these excursions, your vehicle was damaged and could not be driven safely. What then? The answer is Travel Right featuring Trip Interruption coverage. With Trip Interruption, we’ll cover lodging and travel expenses — up to $1,000 worth — when you are unable to continue to your destination as a result from a covered loss. And with no deductible.

The $1,000 applies to reasonable and necessary expenses for:

• Food and lodging
• Travel costs to your home or intended destination
• Return of your covered auto to your home or place of garaging — except in the case of a total loss

Just be sure to keep your receipts and we’ll take care of the rest.

Rental car coverage

You can have an accident with a rental car, too. In fact, an accident could be more likely to happen if you are unfamiliar with your surroundings. And did you know rental car companies can come after you when that happens — not just to repair the rental car, but for other “damages” such as lost income due to the vehicle being out of service? Now you will not have to worry if you get into an accident with a rental car; Travel Right is there for you with its second feature, Rental Car Coverage. This coverage pays for:

• Loss of use (the rental value of the duration the car is out of service for which you are liable)
• Diminished value (the difference in the car’s resale value after it has been repaired)
• Reasonable fees (expenses the rental company incurs handling/processing the claim for which you are liable)

What’s more, we’ll pay for any damage to your rented auto regardless of fault, just as if the coverage described in the insuring agreements for Collision and Other Than Collision coverages apply. No deductible applies to loss of use, diminished value, or reasonable fees.

Pet injury protection

Traveling with your pet can be a very enjoyable and rewarding experience, but unfortunately if involved in an accident pets can get hurt sometimes, too.And the costs for care can be considerable.For example, the average veterinary cost to treat a dog’s broken leg is $350. A torn ligament would run $388. X-rays alone generally run $50 – $60.Worse case scenario, if your pet dies as a result of injuries, burial could cost hundreds of dollars. Travel Right’s Pet Injury Protection can assume much of these costs, paying up to $500, for veterinary fees related to injuries to your dog or cat as a result of being in the vehicle at the time of the accident, and up to $500 for burial if they pass on as a result of those injuries. No deductible applies.

Unfortunately, bad things can and do happen to good drivers — and to good pets. And with potential disruption such events can have on your life, it makes good sense to eliminate as many of the costs associated with your losses as you can. That’s why The Hanover’s Travel Right may be right for you.

Ask your local Hanover agent for more details or a listing of agents in your area.

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Trip Interruption Benefits

What is trip interruption.

Trip Interruption offers coverage if a trip is disrupted or cut short due to unforeseen circumstances such as sicknesses, severe weather conditions, or other eligible events that are out of the traveler's control. Trip Interruption Coverage typically covers expenses such as the cost of additional transportation, accommodation, and other expenses incurred because of the interruption. The exact coverage and benefits vary depending on the insurance policy.

Is Trip Interruption necessary?

Whether Trip Interruption insurance is necessary or not depends on several factors, including the type of trip you're taking, the cost of the trip, and your personal risk tolerance. The Trip Interruption benefit can provide coverage for unexpected events such as sickness, weather-related cancellations, and other eligible events that can cause you to interrupt your trip. Trip Interruption also allows travelers to rejoin their trip after an interruption has occurred. In general, having a trip interruption is a personal decision that should be based on the traveler's specific needs and circumstances. However, it's always a good idea to consider trip interruption coverage, especially if the trip involves a significant investment of time and resources. This can help to protect against financial losses if the trip is interrupted for a covered reason.  

What Qualifies as Trip Interruption  

1. Sickness, accidental injury, or death that results in medically imposed restrictions as certified by a physician during your trip preventing your continued participation in the trip A physician must advise to cancel the trip on or before the scheduled return date 2. If a family member or traveling companion booked to travel with you incurs sickness, accidental injury, or death. A & B must occur: a.) While you are on Your trip  b.) Requires necessary treatment at the time of interruption, certified by a physician that results in medically imposed restrictions to prevent that person’s continued participation on the trip 3. In case of sickness, injury, or death of a non-traveling family member 4. The death or Hospitalization of Your Host at the Destination during Your trip 5. If you are terminated or laid off from your full-time employment by your company through no fault of your own, one year or more after starting employment, during your trip 6. You transfer your employment more than 250 miles away from your home during the trip. This applies if you have been employed by the transferring employer since your policy's effective date and the transfer requires you to relocate your home 7. If your previously approved military leave is revoked or you experience a military reassignment during the trip 8. If you, your traveling companion, or a family member who is military personnel is called to provide aid or relief in the event of a natural disaster (excluding war) 9. Severe weather causes the complete cessation of services for at least 48 consecutive hours of the common carrier (e.g., airline), preventing you from reaching your destination. Note: This benefit does not apply if the natural disaster was predicted or a storm was named before you purchased this policy 10. If a natural disaster at your destination renders your accommodations uninhabitable 11. If a terrorist incident occurs in your departure city or in a city listed on your trip itinerary during your trip, and the travel supplier does not offer a substitute itinerary. Note: This does not cover flight connections or transportation arrangements to reach your destination. The scheduled departure date must be within 15 months from your policy's effective date. Terrorist incidents that occur on an in-flight aircraft are not covered 12. If you or your traveling companion are victims of a felonious assault during the trip 13. If you or your traveling companion are hijacked, quarantined, required to serve on a jury, or subpoenaed  if your home is made uninhabitable by a natural disaster or experience a burglary at your principal place of residence during the trip 14. You or Your Traveling Companion are directly involved in a traffic accident en route to departure. Note: This must be substantiated by a police report obtained by you and presented along with other claim forms and documentation. 15. If a travel supplier goes bankrupt or defaults during your trip, resulting in a complete halt of their services. However, these benefits will only be provided if there is no other transportation option available. If there is an alternative way to reach your destination, the benefits will be limited to covering the change fee required to transfer to another airline. Note: This coverage applies only if your scheduled departure date is within 15 months from the start date of your insurance policy 16. Strike that causes complete cessation of services of the common carrier affecting you or your traveling companion who is scheduled to travel. Note: Strike must last for at least forty-eight (48) consecutive hours File for a free quote

Do I need Trip Interruption coverage?

Having trip interruption coverage is a savvy idea. It offers coverage for multiple reasons to help you get your trip back on track. All three of AXA’s travel plans include Trip Interruption coverage, maximum coverage per person is up to:  

Maximum Benefit: 100% of Trip Cost Reasonable Expenses Per Day: $100

Maximum Benefit: 150% of Trip Cost Reasonable Expenses Per Day: $100  

Maximum Benefit: 150% of Trip Cost Reasonable Expenses Per Day: $100

Receive a free quote within minutes, and decide which plan fits best for your travel needs!

Why choose axa travel protection.

With a presence in over 30 countries worldwide, AXA provides assistance with a wide range of features that include:  •    Extensive knowledge of local health risks and medical facilities to respond swiftly in the event of a medical emergency •    24/7 global team of travel experts that offers assistance and assurance while traveling

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Get covered against Trip Delays, Medical Emergencies, Lost Baggage, and more!

Trip Interruption Insurance FAQs

How much does trip interruption cost.

• Length of Stay
• Destination
• Type of Trip
• Number of Travelers
• Extent of Guarantees

What types of vacations does Trip Interruption apply to?

When does trip interruption coverage begin.

• Trip Interruption coverage begins when a specific travel package has been selected
• Trip Interruption coverage will begin on the day after the required premium for such coverage is received by the authorized representative

When does Trip Interruption coverage end?

• The scheduled return date as stated on the travel tickets
• The date and time you return to your origination point if prior to the scheduled return date
• The date and time you deviate from, leave, or change the original trip itinerary (unless due to unforeseen and unavoidable circumstances covered by the policy)
• If you extend the return date, coverage will terminate at 11:59 P.M., local time, at your location on the scheduled return date unless otherwise authorized by the Company in advance of the scheduled return date
• When your trip exceeds ninety (90) days
• The return date as stated on your purchase confirmation

How to get a Travel Protection Quote?

Need Help Choosing a Plan?

Speak with one of our licensed representatives or our 24/7 multilingual Insurance advisors to find the coverage you need for your next trip. From Medical Coverage to Trip Cancellation protection, our team of travel experts will help you choose the right coverage.

What is trip cancellation and interruption insurance?

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Whether you get travel insurance through a policy you purchase or from a travel credit card , you’ve probably noticed that most plans include a trip cancellation and interruption insurance benefit. This perk is one of the most common travel insurance benefits , and it’s also one of the most valuable. After all, travelers who have this protection can often get reimbursed when their trip is canceled or interrupted for certain reasons beyond their control, such as an unexpected illness, an injury or a flight cancellation.

Before you invest in trip cancellation coverage or trip interruption insurance, however, you should know how these coverages actually work and when they apply. So, what is trip interruption insurance, and how does trip cancellation protection work? Let’s dive into these insurance products to find out what they’re all about.

While trip cancellation coverage and trip interruption coverage are often grouped together, these two coverages actually apply in different situations. For instance, trip cancellation coverage reimburses travelers when their trip is canceled altogether for eligible reasons, whereas trip interruption coverage provides reimbursement for some prepaid travel expenses when a trip is interrupted after it has already started.

Note that, with both types of insurance protection, reimbursement only applies in scenarios that are beyond a traveler’s control. This means that you can’t just cancel your trip for any reason and get your money back, nor can you decide to leave your trip early and successfully file for reimbursement.

Also, note that you may be able to purchase trip cancellation and interruption insurance separately or it may be a part of the included benefits within a travel insurance plan . You may also be able to get this coverage automatically from certain travel credit cards .

What does trip cancellation and interruption insurance cover?

Trip cancellation insurance is meant to reimburse you for prepaid travel expenses you already booked when your trip is canceled for reasons beyond your control. Some common scenarios where trip cancellation coverage can apply includes (but is not limited to):

• Injury, illness or death of a traveler or close family member
• Financial default of an airline or travel provider
• Inclement weather that leads to trip cancellation
• Work issues that cause you to miss a trip
• Being called into active duty military service
• Acts of terrorism in the travel destination

Meanwhile, trip interruption insurance can apply when a trip is forced to an early end for an eligible reason. Common situations covered by a trip interruption benefit include the following:

• Injury, illness or death of a traveler or close family member during a trip
• Diagnosis of COVID-19 or required quarantine during a trip
• Destination made uninhabitable due to severe weather
• Terrorist activity taking place in your travel destination
• Lost passport or travel documents during a trip
• Travel strikes that impact your trip

What does trip cancellation and interruption insurance not cover?

While the list of covered scenarios for trip cancellation or interruption coverage above is not exhaustive, you should know that not everything is covered by either type of protection. Common scenarios that are typically not covered by travel insurance include:

• Travel interruptions caused by acts of war
• Travel interruptions caused by civil unrest
• Government-issued travel bulletins or warnings
• Natural disasters
• Nuclear reaction, radiation or radioactive contamination
• Terrorist events

That said, it’s important to note that it’s possible to purchase trip cancellation and interruption coverage that applies in a broader range of scenarios. For example, you can purchase “cancel for any reason” (CFAR) insurance that lets you cancel your trip for any reason at all and get part of your prepaid travel expenses back. Likewise, an “interrupt for any reason” (IFAR) insurance policy lets you end your trip for any reason and get part of your prepaid travel expenses back.

Both types of optional coverage will make your travel insurance policy cost more, but CFAR and IFAR insurance can provide peace of mind if you’re unsure your trip will happen and you want a way to get at least some of your prepaid costs toward hotels and airfare back if you decide to stay home.

Best credit cards for trip cancellation/interruption insurance

Several travel credit cards with travel insurance offer trip cancellation and interruption insurance automatically for cardholders, including the following:

Chase Sapphire Preferred Card

The Chase Sapphire Preferred® Card comes with trip cancellation and interruption coverage of up to $10,000 per person and up to $20,000 per trip. This insurance covers pre-paid, non-refundable travel expenses (like passenger fares, hotels and tours) in the event a covered situation (such as sickness or severe weather) occurs.

Other travel insurance perks include primary rental car coverage, baggage delay insurance, trip delay reimbursement and travel and emergency assistance services. A $95 annual fee applies for this card.

Chase Sapphire Reserve

The Chase Sapphire Reserve® also comes with trip cancellation and interruption coverage of up to $10,000 per person and up to $20,000 per trip. Like the Chase Sapphire Preferred, this insurance applies to covered situations and will reimburse you for eligible, pre-paid and non-refundable travel expenses.

Other notable travel benefits include primary rental car coverage, lost luggage reimbursement, trip delay reimbursement and emergency evacuation and transportation coverage. A $550 annual fee applies for this card.

The Platinum Card from American Express

The Platinum Card® from American Express comes with trip cancellation and interruption insurance of up to $10,000 per trip and up to $20,000 per eligible card every 12 months. Insurance applies to covered reasons (additional terms and conditions apply).

Other travel protections for cardholders include car rental loss and damage insurance, emergency assistance services and trip delay insurance. A $695 annual fee applies for this card.

The World of Hyatt Credit Card

The World of Hyatt Credit Card *, which is issued by Chase, comes with several travel protections, including trip cancellation and interruption coverage (for eligible events and expenses) of up to $5,000 per person and up to $10,000 per trip. Cardholders will also get baggage delay insurance, lost luggage reimbursement, secondary auto rental coverage and Visa Signature concierge services. A $95 annual fee applies for this card.

The bottom line

Trip cancellation and interruption insurance can help you get some of your money back when your trip is canceled or interrupted for reasons beyond your control. However, you’ll want to read over the policies you’re considering so you know what is and isn’t covered, as well as how much coverage you’ll get per traveler and per trip. Also, note that many top travel credit cards offer this benefit for free, but you’ll have to pay for your trip with your eligible credit card for travel insurance benefits to apply.

At the end of the day, having coverage for trip cancellations and interruptions can be worth it regardless of whether you buy a travel insurance plan or book a trip with your favorite travel credit card. While travel can be stressful and expensive, having travel insurance can help .

*The information about The World of Hyatt Credit Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

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Understanding Trip Interruption Coverage: Benefits and Tips (2024)

Get a free quote for trip interruption travel insurance by clicking below.

in under 2 minutes

Amelia Canty is a U.K.-based writer. Her specialities include all things travel, covering everything from destination guides to more technical travel issues such as insurance queries. As a big foodie, you will often find Amelia sampling the latest restaurants for food and drinks with friends when she’s not writing.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Nobody wants to cut a vacation short, but sometimes accidents or emergencies happen. In these situations, the last thing you want to worry about is the money you could lose and the vacation time that slipped away.

Imagine you and a traveling companion are on vacation at a luxury resort in Mexico, and one of you trips and severely sprains an ankle. You can no longer enjoy your vacation as planned, nor can you partake in your prepaid activities. All you want is to get home, get comfortable and see a doctor.

Trip interruptions often bring expense, particularly if you have to pay for new flights while losing money from deposits for previous non-refundable bookings. This is where trip interruption travel insurance coverage comes in.

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What Is Trip Interruption Coverage?

If a traveler has to cut a trip short, trip interruption coverage offers the chance to seek financial reimbursement for unused, pre-paid and non-refundable travel expenses. An example of when trip interruption coverage would apply is if a traveler suffered a serious injury while on vacation, or if a government ordered an evacuation of an area the traveler is visiting.

Trip interruption coverage differs from other types of travel insurance as it covers travelers post-departure. This type of insurance coverage is perfect for expensive trips. Fortunately, most comprehensive travel insurance plans offer it.

How Does Trip Interruption Coverage Work?

Trip interruption coverage exists to cover you for any unexpected or uncontrollable circumstances that may force a premature return home from your trip. Examples include a serious injury, illness, a family emergency back home, quarantine, evacuation or an early departure. Anything that prohibits you from continuing your trip as intended should be protected by trip interruption coverage.

Insurance offers travelers reimbursement of some or all the prepaid or unused money from a trip cut short for covered reasons. Covered reasons include:

• Rental cars

Sometimes insurance covers added costs incurred from the cancellation, such as an early flight home.

What Does Trip Interruption Insurance Cover?

Covered reasons for guaranteeing trip interruption insurance vary from policy to policy. They’re typically defined as uncontrollable and unexpected circumstances.

Examples include a serious illness or injury, required quarantine or evacuation, severe weather, a family emergency at home, natural disasters or a terror-related attack, or a legal obligation such as jury duty, which prevents continued participation in the trip.

The amount of coverage can also differ. Some policies cover 100% to 200% of the total trip cost. Others cap coverage at a predetermined amount, and if customers want more protection, they can buy it as an add-on.

Imagine you’re in the position of having a severely sprained ankle on a romantic vacation. You can no longer do the things you planned and want to get back home to receive treatment for your injury before it worsens.

Trip interruption insurance would protect you for an unused hotel stay, your original return flight, the cost of new plane tickets, and additional transportation costs (taxis, Ubers or a rental car). You’re fully covered to fly back because you can’t continue the vacation as you intended.

Once you decide to return home, notify your insurance provider. Consult your travel insurance policy to confirm that you’re acting within the policy’s declaration times and other protocols. If you don’t abide by the protocol, you risk giving up a reimbursement.

Trip Interruption Insurance vs. Trip Cancellation Insurance

Trip cancellation insurance refers to pre-departure situations where you’re forced to cancel a trip before it starts for covered reasons. Trip interruption insurance deals with cancellations mid-trip from any situation that arises post-departure.

The reasons that are covered under trip cancellation coverage are largely the same as trip interruption coverage, with a few exceptions in each policy.

Trip Interruption Insurance vs. Trip Delay Insurance

Trip interruptions are when you need coverage for a trip unexpectedly cut short, and you return home for several covered reasons. Trip delay insurance covers travel plans that have been delayed, such as a late or canceled flight, which created a domino effect on other travel plans and reservations.

Coverage exists to reimburse you for the extra costs of rearranging your travel plans. If you have had a flight canceled or missed a connecting flight because of a covered delay and had to make alternative arrangements to catch up with a cruise or a travel group , you would be reimbursed for some or all of the additional costs.

Both types of insurance cover costs lost because of events that happened that are beyond your control. But with trip delay coverage, you wouldn’t be covered if you forgot to renew your passport or arrived late at an airport, triggering your travel losses.

How Much Does Trip Interruption Coverage Cost?

Most basic travel insurance policies cost between 5% and 10% of a trip’s total cost. A good travel insurance policy will be comprehensive and include trip interruption coverage. If it doesn’t, consider the price of adding a specific trip interruption rider and any other coverage you want.

Here are some examples of travel insurance quotes with basic trip interruption coverage for a 30-year-old man traveling from Alabama to Mexico for a week, costing $1,000.

A Travelsafe classic travel insurance plan would cost $60, which includes trip interruption coverage up to 150% of the non-refundable insured trip cost and $1,000 toward a return plane ticket, $500 for unused shore excursions and $150 for traveling companion hospitalization (limited to five days).

A Seven Corners trip protection choice plan would cost $65, which includes trip interruption coverage up to 150% of the insured trip cost, as well as $1000 toward your return airfare. You can also buy interruption-for-any-reason coverage for an extra $1.95 within 20 days of your trip, whereby Seven Corners will reimburse you for trip interruptions outside of the covered reasons list.

Each travel insurance company supplies a comprehensive list alongside each policy of the covered reasons.

Benefits of Trip Interruption Coverage

Although intended to be exciting and enjoyable, traveling can be stressful and unpredictable. Trip interruption coverage protects travelers from the unexpected, giving you peace of mind for circumstances that are beyond your control.

If your trip ends early for an unavoidable reason, can you comfortably deal with the inevitable financial consequences? Or would it add to the already emotional stress of the unfortunate circumstances?

Trip interruption coverage acts as a traveler’s safety net in the worst-case scenarios.

How To Get Trip Interruption Insurance

To obtain trip interruption insurance, you will need to purchase travel insurance with the appropriate coverage. You can also apply for a premium travel credit card with trip insurance benefits. To find travel insurance, you can compare providers online or ask your tour provider for recommendations.

If you prefer to go directly through a travel insurance provider, we recommend obtaining quotes from multiple travel insurance providers to compare coverage and cost. You can refer to our guide to the best travel insurance providers to get started. To get a quote, you will have to fill in basic information, including travel dates and your destination. You then can go through each policy and evaluate which offers the most appropriate coverage for your travel needs.

Factors To Consider When Choosing Trip Interruption Coverage

When evaluating travel insurance companies and their policies, there are certain things to inspect. Policies have varying coverage amounts, exclusions and conditions you must be aware of.

If you and a traveling companion must return from a trip unexpectedly, your insurance coverage policy would determine whether some or all of the unused portion of your accommodation cost would be reimbursed to you. It also varies from policy to policy how much, if any, additional transportation expenses will be covered, such as your new return flight or taxis to and from the airport.

Certain policies also cover you for all or some of any extra trip expenses on your way home, such as a necessary hotel stay. But your insurance provider may have specific limits on hotel expenses or may only cover certain types of accommodations.

The Bottom Line

Trip interruption insurance can be a saving grace if something unexpected happens on your vacation. Nobody wants to think about planning for the worst. But if something happens and forces you to cut your trip short, you want travel protection for you and your family and the knowledge that you won’t face unmanageable financial consequences and unnecessary emotional stress.

Frequently Asked Questions About Trip Interruption Coverage

What is a trip interruption benefit.

The benefit of trip interruption coverage is that it protects travelers post-departure. If you or your traveling companion fall ill or suffer a serious injury that prohibits further participation in your vacation — or any other covered reason — you would be reimbursed for the unused portion of your accommodation and extra travel expenses you could incur.

What is the difference between trip interruption and trip delay insurance?

Trip interruption insurance covers you for when your trip is unexpectedly cut short, and you return home for a reason that’s covered by your policy.

Trip delay insurance refers to travel plans that were delayed, such as a late or canceled flight, thereby having a domino effect on the rest of your travel plans. You would be covered for any added travel expenses you have incurred because of the delay.

What are valid reasons for trip cancellation insurance?

Covered reasons vary from policy to policy. They’re usually defined as reasons that are unexpected and outside of your control. Examples include:

•  A serious illness or injury that stops you from traveling
•  You’re called for jury duty
•  The government advises against traveling to your destination country
•  An immediate family member falls ill or dies

If you have questions about this page, please reach out to our editors at [email protected] .

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• Trip Interruption Expense Reimbursement

Trip Interruption Expenses

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If a car accident interrupts your road trip, AAA will reimburse you for expenses such as car rental fees, lodging, and meals. Here's how it works:

You're on your way to visit an old friend from college (or taking the kids to visit your parents, heading to a spa with the girls, taking a fishingm trip — whatever!) and partway there...kaboom. Out of nowhere a vehicle clips your bumper. No one is hurt. But your car won't move. It needs a few parts and you're going to have to wait—overnight—far from home and far from your destination.

Even though you may lose a day of vacation, at least you'll have help with the extra expenses. As a AAA Member, you may request reimbursement for reasonable, unanticipated costs for your hotel, meals, and substitute transportation, up to $500 for Classic Members, up to $1,000 for Plus Members and Premier Members are reimbursed up to $1,500 .

If you're on a planned leisure trip that included at least one overnight stay and you're involved in a car crash, call us. One of our friendly Associates will review the rules (your vehicle must be involved in an accident in the United States or Canada, 100 miles or more from home, and vehicle must be inoperable for a minimum of 8 hours) and go over what we can reimburse you for (car rental fees, lodging, and meals).

We'll also remind you that expenses must be incurred withing 72 hours (3 days) of the accident. And that your request for reimbursement must include a police report and original itemized receipts for expenses. So you know exactly what to do and what to expect. Because even when your trip takes a turn for the unexpected, you can depend on AAA.

For information on Trip Interruption Expense Reimbursement and ALL your benefits, download your Member Benefits Guide(PDF) and consult pages 17.

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Guide to chase sapphire® travel insurance.

Planning a vacation or honeymoon can be exciting. That excitement might include the worries that something unexpected could interrupt those plans. The following overview of Chase Sapphire travel protections may make your next trip less stressful if you are a cardmember.

How does Chase Sapphire travel protection work

Certain benefits that may give you peace of mind when using your card for travel are available to Sapphire Reserve and Sapphire Preferred ® cardmembers:

• Travel and Emergency Assistance Services: If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
• Trip Delay Reimbursement: If your common carrier travel is delayed more than 12 hours (six hours for Sapphire Reserve) or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
• Trip Cancellation / Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.
• Baggage Delay Insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours by passenger carrier up to $100 a day for 5 days.
• Lost Luggage Reimbursement: If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
• Auto Rental Collision Damage Waiver: Decline the rental company's collision insurance and charge the entire rental cost to your card. For Sapphire Reserve cardmembers, coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad. Sapphire Preferred Cardmembers can be reimbursed up to the actual cash value of the vehicle, but coverage excludes certain cars, such as high value and exotic vehicles.
• Travel Accident Insurance: When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $500,000 ($1,000,000 for Sapphire Reserve).

Additional Benefits covered with Chase Sapphire Reserve travel insurance

Certain travel reimbursement, cancellation protection and emergency services are available to Chase Sapphire Reserve ® cardmembers on eligible travel booked with their credit card. Here’s some more information about the benefits offered with the card.

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.

Roadside Assistance

If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.

Emergency Medical and Dental Benefit

If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured.

If you have a Sapphire credit card, travel protection applies to plane tickets, rental cars and cruise line reservations booked using a Sapphire card or Ultimate Rewards ® points. You will be able to claim reimbursement for trip cancellations or interruptions, lost luggage, baggage that’s delayed or flight delays.

Whether it’s a long-awaited vacation or flying across the country to see family for the holidays, the Chase Sapphire family of cards offers benefits to give travelers more confidence in their plans.

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AXA Travel Insurance Review — Is it Worth It?

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Why Get Travel Insurance?

Travel insurance and covid-19, types of policies available with axa, how to get a quote, axa vs. credit card travel insurance, axa vs. other travel insurance companies, how to file a claim with axa travel insurance, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Whether you’re traveling the world or crossing state lines, travel insurance such as the policies offered by AXA Travel Insurance can offer a safety net in case you have to cancel or interrupt your trip or need support along the way for medical emergencies, lost bags, or missed connections.

For more than 60 years, AXA Travel Insurance has provided peace of mind and financial stability to travelers. With solid ratings and underwriting by Nationwide Mutual Insurance, travel insurance plans sold by AXA are backed by an A.M. Best Excellent financial strength rating. AXA offers travel insurance with trip interruption and cancellation coverage, medical emergency and evacuation benefits, lost or delayed baggage, and more.

Let’s examine AXA’s travel insurance coverage options, benefits, and service and compare it to alternatives such as credit card travel coverage and other travel insurance providers.

Travel insurance can protect what you’ve invested in an upcoming trip. When the unexpected occurs, such as a trip cancellation or medical need , travel insurance can offer the benefits you need to cover it.

You might choose travel insurance for these reasons:

• Your trip has deposits or payments that you can’t get refunded if you need to cancel your trip.
• The health insurance you use at home doesn’t work at your destination.
• You’re planning activities that aren’t covered by your health insurance.
• Medical care is subpar at your destination and you may need to be evacuated to another location with adequate medical facilities.
• You’re concerned about the possibility of lost bags, delays, or missed connections, especially if you have multiple flights or transfers.

Travel insurance isn’t necessary for every trip, such as if you’re traveling domestically where your health insurance works and you don’t have major nonrefundable expenses. But travel insurance is worth it if you’ve got a lot of nonrefundable expenses invested in your trip or you’ll need medical coverage at your destination.

COVID-19 can interrupt your travel plans, whether you get sick and have to cancel a trip, need to quarantine or get medical treatment while traveling, or plan to visit a destination with high COVID-19 numbers. While some travel insurance companies  exclude COVID-19 from insurance coverage , AXA offers COVID-19 coverage as part of its travel protection plans , including trip cancellation and trip interruption and emergency medical and evacuation coverage.

Why Purchase Travel Insurance From AXA?

Any travel insurance company you purchase a policy from should be reputable, reliable, and stable. After all, you’re relying on the company to be there for you when you need it most. It pays to verify reviews and ratings — AXA offers good reassurance in this area.

With 64 years in business, AXA has an A- Better Business Bureau rating . On the travel insurance website Squaremouth , AXA has an overall 4.22/5 rating , with 0.1% negative reviews among more than 69,000 policies sold . AXA’s travel insurance plans are backed by Nationwide Mutual Insurance, which has an A (Excellent) financial strength rating from financial rating company A.M. Best. With 6 decades in business and solid ratings , AXA is a travel insurance company you can trust.

AXA offers travel insurance with medical and emergency evacuation benefits, trip cancellation and interruption, baggage loss, and Cancel for Any Reason (CFAR) options. Let’s look at the details of AXA travel insurance policies.

AXA offers 3 levels of travel insurance : Silver, Gold, and Platinum . Each level offers different limits, but all of AXA’s policies have 100% trip cancellation coverage, emergency medical coverage and medical evacuation, baggage delay and loss, and missed connection coverage.

Let’s compare what you get with each policy:

With plans as low as $16 and minimal coverage, AXA recommends the Silver plan for domestic travel. You can cover 100% of your trip cost for trip cancellation and interruption coverage. If your travel is delayed, you can get up to $100 per day for expenses, up to $500 total, and $200 for delayed baggage.

There’s also $500 in missed connection coverage. The $25,000 in emergency medical expense coverage isn’t much, but it might be adequate for domestic travel if you’re using your primary health insurance first.

Gold plans start at $36 but add more coverage and are appropriate for cruises or Schengen travel . Like the Silver plan, the Gold plan offers up to 100% trip cancellation coverage but bumps trip interruption to 150% of your trip cost. Limits for all coverages are higher, with $200 per day and $1,000 maximum in trip delay coverage and $1,000 for missed connections. Baggage delays offer up to $300, and you can get up to $1,500 for lost baggage and personal effects.

The health coverage is also much higher at $100,000, and it adds a $50,000 non-medical emergency evacuation option on top of the $500,000 medical emergency evacuation benefit. This plan also offers an optional $35,000 collision damage waiver.

The Platinum plan , starting at $52, steps up coverage and offers additional options. You’ll get 100% trip cost coverage for trip cancellation and 150% for trip interruption. Trip delay coverage offers up to $300 per day and a $1,250 maximum, plus $600 for baggage delays and $3,000 for lost baggage and personal effects.

Emergency medical treatment is also higher at $250,000, and you’re covered for $1 million in emergency medical evacuation — $100,000 for non-medical evacuation.

The Platinum plan also offers additional coverage for sports, with $25 per day for lost skier days, $500 for lost golf rounds, and $1,000 for sports equipment rental. It also offers optional coverage for up to 75% of trip cost with Cancel for Any Reason coverage and a $50,000 collision damage waiver.

You can get a quote directly from AXA by visiting the AXA Travel Insurance website . The quote form is the first thing you’ll see on the homepage.

To start your quote, you’ll fill out the quote form, including your state of residence, destination country, travel dates, first deposit date, total trip cost, number of travelers (up to 10), and the age of travelers.

Once you fill out the form, you’ll be presented with plan options. For a 60-year-old visiting Japan and spending $2,500, we were offered a Silver ($155), Gold ($183), or Platinum ($218) plan .

If you select a Platinum plan, you will be able to add CFAR optional coverage for up to 75% of your trip cost.

With your plan and options selected, the next and final step to secure coverage is entering your traveler information including your name and contact information, then making your payment for the policy.

How AXA Compares — Summary

AXA is a good option for travel insurance, but it’s not your only option. Let’s see how AXA compares to the coverage you can get from popular travel credit cards and travel insurance competitors .

Many travel credit cards offer travel insurance as a complimentary benefit, whether it’s car rental collision waivers , trip cancellation coverage , or emergency medical and evacuation benefits. This coverage can be helpful if you’re using your card to pay for your travel expenses, but it’s often not as comprehensive as the coverage you can get from a travel insurance policy like what AXA offers .

Let’s compare AXA’s best travel insurance policy against The Platinum Card ®  from American Express  and the  Chase Sapphire Reserve ® , which both offer some of the best travel protections available with credit card benefits.

Unless you’re taking a trip with expenses higher than $10,000, the trip cancellation coverage should be about the same whether you’re using an Amex Platinum card, Chase Sapphire Reserve card, or the AXA Platinum plan. However, the AXA Platinum plan comes out ahead with 150% of your trip cost for trip interruption.

We see a major difference in coverage for emergency medical treatment and evacuation. The Amex Platinum card doesn’t offer emergency medical coverage, but you can arrange an emergency medical evacuation using the Premium Global Assist Hotline. The Chase Sapphire Reserve card offers up to $2,500 in emergency medical coverage and $100,000 for emergency evacuation. Neither of these offerings compares to the $250,000 in emergency medical coverage and $1 million in emergency medical evacuation coverage you can get from AXA Platinum.

Credit card travel insurance coverage is complimentary if you already have the card, but it is lacking in some areas. It’s a good idea to use your card’s travel insurance as a backup for trip cancellation, interruption, travel delays, or lost baggage, but use the AXA Platinum plan for its superior emergency medical and evacuation coverage.

It’s always a good idea to compare travel insurance quotes across multiple providers so you can find the best price and coverage. We used Squaremouth , a travel insurance comparison website, to see how AXA’s policies compare to those of other companies.

As with the initial price quotes we pulled from AXA’s website, our sample trip on Squaremouth had:

• Traveling to Japan a month from now
• Trip cost: $2,500
• Initial trip deposit paid within the last 24 hours
• State of residence: Texas

We limited results to policies that offer at least as much coverage as the AXA Platinum policy does on major benefits:

• COVID-19 coverage
• Minimum $250,000 emergency medical benefit
• Minimum $1 million emergency medical benefit
• 100% trip cancellation
• 150% trip interruption

Each policy offered nearly identical coverage for these major benefits, and Tin Leg ‘s Silver plan had the lowest cost at $164.35, followed closely by $165.84 from HTH Worldwide ‘s TripProtector Classic plan.

If you’re mainly concerned with full coverage for trip cancellation and interruption along with $250,000 in emergency medical and $1 million for emergency medical evacuation, you can save if you go with Tin Leg .

However, the higher-priced policies offer additional coverage and options. For example, AXA Platinum offers the option to add Cancel for Any Reason coverage and includes sports equipment rentals and missed ski days or golf rounds. Tin Leg doesn’t have missed connection coverage, but Seven Corners Trip Protection Choice and AXA Platinum offer up to $1,500 for missed connections on cruises or tours.

All of the policies we quoted except for Tin Leg Silver offer employment layoff as a covered cancellation reason, and AXA Platinum allows you to cancel your trip for work reasons, though none of the other policies do. AXA Platinum also offers $100,000 in non-medical evacuation , which Tin Leg Silver and HTH Worldwide TripProtector Classic policies do not, and is much higher than the $20,000 benefit offered by the Seven Corners Trip Protection Choice policy.

AXA Platinum has a higher cost than competitors but offers more robust coverage. If you’re mainly concerned with major coverage for trip cancellation and interruption, emergency medical, and emergency evacuation, other travel insurance companies may offer a better quote. But if you want additional coverage and options such as non-medical evacuation and expanded cancellation reasons, check out the details on what AXA Platinum offers.

You can file a claim with AXA in a few ways:

• Using the claim administrator portal

If you’d like to file your claim online, you can visit the portal for Co-Ordinated Benefit Plans and enter your policy number and last name to get started.

Alternatively, you can call AXA toll-free at 888-957-5015 or collect at 727-450-8794 .

If you’d like to submit your claim via email or mail, you can download claim forms on the AXA website.

Once you download the claim form, you’ll get a list of documents required for submitting your travel insurance claim, along with mail or email info. For example, on a trip interruption claim form, AXA requires you to send in:

• Completed claim form
• Policy verification
• Booking confirmation, such as a ticket or proof of purchase
• Your original unused, nonrefundable tickets
• Your new ticket with confirmation of early return
• A cancellation statement from travel suppliers
• A medical report or physician statement if you interrupted the trip due to medical necessity
• Death certificate, if applicable
• Documentation of circumstances that led to trip interruption
• Documentation of reimbursement request expenses, such as receipts or credit card statements

You can email the form and other required documents to [email protected] or mail to:

AXA Assistance USA On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies P.O. Box 26222 Tampa, FL 33623

AXA Travel Insurance is a reliable option with more than 6 decades of experience and solid ratings. There are 3 levels of coverage to choose from — Silver, Gold, and Platinum — that offer varying levels of coverage and options. AXA Travel Insurance isn’t the cheapest option, but it offers robust coverage options and reputable service, so it can be a good choice if you’re looking for enhanced travel protection.

For the premium global assist hotline benefit of The Platinum Card ® from American Express, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by premium global assist hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

For the car rental loss and damage insurance benefit of The Platinum Card ® from American Express, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the baggage insurance plan benefit of The Platinum Card ® from American Express, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the trip delay insurance benefit of The Platinum Card ® from American Express, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip cancellation and interruption insurance benefit of The Platinum Card ® from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Does the axa silver travel insurance plan provide coverage for a safari.

Yes, AXA’s travel insurance policies offer coverage for safaris, including emergency medical expenses. Safaris are under the sports and activities covered for emergency medical and repatriation costs and personal accidents.

Is AXA travel insurance worth it?

AXA travel insurance can be worth it if you need coverage for significant nonrefundable expenses or your health coverage doesn’t extend to your destination. Competitors may offer lower cost policies for similar major coverage, but AXA may have greater policy options, so it’s a good idea to compare your options.

Is AXA travel insurance good for a Schengen visa?

AXA recommends its Gold plan or higher for Schengen travel.

Is AXA an international insurance?

Yes, you can use AXA for international travel , with coverage for countries in Europe, Asia and Pacific islands, the U.S. and Canada, Africa and the Middle East, Latin America, and the Caribbean.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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• Travel insurance plans

Tin Leg Travel Insurance Cost

Compare tin leg travel insurance.

• Why You Should Trust Us

Tin Leg Travel Insurance: An In-Depth Review

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Before finalizing your travel plans, look into various insurance policies to safeguard yourself against potential risks. Travel insurance is an invaluable resource that can protect you from many unforeseen issues, but not all companies provide the same level of coverage. And some companies' policies may cost more than others.

That's where Tin Leg Travel Insurance comes in. Created by travel agency Squaremouth, Tin Leg Travel Insurance offers eight different plans with varying coverage levels and benefits, with the option to add Cancel for Any Reason (CFAR) coverage to select plans. Keep reading to see if Tin Leg Travel Insurance is the right travel insurance for you.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy coverage includes most pre-existing health conditions
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical and evacuation amounts for peace of mind
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. COVID coverage included by default on all insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a wide range of plans for various budgets and travel needs
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
• con icon Two crossed lines that form an 'X'. Limited add-on coverage options
• con icon Two crossed lines that form an 'X'. Baggage loss and delay coverage is low compared to competitors

Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.

• Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.

Overview of Tin Leg Travel Insurance

Tin Leg Travel Insurance is a travel insurance provider founded in 2014 by travel insurance aggregator SquareMouth. With eight different plans, Tin Leg Travel Insurance is one of the providers listed in our guide on the best travel insurance companies , specifically for travelers with pre-existing conditions. We chose Tin Leg Travel Insurance because seven of its eight plans offer pre-existing condition waivers, with a 15-day purchase window and no extra cost.

That said, Tin Leg Travel Insurance has other coverages that are noteworthy. Its coverage limits for emergency evacuation go up to $1 million, which is great particularly if you have nautical travel plans as water-to-land rescues can be costly.

Additionally, sports equipment loss is included with seven of Tin Leg Travel Insurance's eight plans. However, you will need to call for more information on adventure sports, as Tin Leg Travel Insurance doesn't guarantee coverage.

Tin Leg's Travel Insurance Plans

Tin Leg Travel Insurance travel insurance offers eight travel insurance plans: Economy, Basic, Standard, Luxury, Adventure, Silver, Platinum, and Gold. Each plan offers varying levels of protection that correspond to the premium costs.

Here's a look at what you'll get with each plan. We've split the eight plans into two tables to make things easier to follow.

Here's how the Adventure, Silver, Platinu, and Gold plans compare:

Additional Coverage Options

Tin Leg Travel Insurance travel insurance offers additional coverage options, but they're only available on specific plans.

You can add rental car damage coverage to the Luxury plan for an additional fee. And both the Gold and Silver plans allow you to add on CFAR (cancel for any reason) coverage . With CFAR coverage travel insurance, you can cancel for any reason not listed in the base policy and be reimbursed — in the case of Tin Leg Travel Insurance, for 75% of your trip costs.

How to Purchase and Manage Your Tin Leg Policy

Travel insurance coverage varies greatly, and  the amount you pay reflects the range of protection . However, since travel insurance protects your financial investment, it's typically worth spending a few extra dollars for higher coverage maximums, especially for medical insurance and evacuation expenses.

Getting a quote from Tin Leg Travel Insurance travel insurance is an easy process. You can do so from their website or an insurance aggregator like SquareMouth. You should be prepared to provide the following information:

• Number of travelers
• Age of traveler(s)
• Duration of trip
• Whether you want trip cancellation coverage
• Date of booking
• If you have any trip payments left to make
• One country you're traveling to
• Country of residence/citizenship

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate Tin Leg Travel Insurance's coverage costs.

As of April 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  Tin Leg Travel Insurance travel insurance quotes:

Premiums for Tin Leg Travel Insurance plans are between 1.8% and 3.9% of the trip's cost, well below the average cost of travel insurance . It's also relatively cheap compared to many of its competitors

Tin Leg Travel Insurance provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

Once again, premiums for Tin Leg Travel Insurance plans are between 3.4% and 5.2%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following Tin Leg Travel Insurance quotes:

Premiums for Tin Leg Travel Insurance plans are between 6.9% and 9.4%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to File a Claim with Tin Leg Travel Insurance

One exceptionally nice aspect of Tin Leg Travel Insurance is that you can report a claim online or over the phone. You can contact Tin Leg Travel Insurance's claims department at 844-240-1233 or by email at [email protected] . It's available on weekdays between 8 a.m. and 4 p.m. ET.

You'll be asked to fill out a claims form that asks about your trip details and the issue you faced. Tin Leg Travel Insurance will then ask you to file supporting documents related to your claim. If you're filing a claim because you canceled a flight due to an illness, they'll likely require medical documentation that supports this claim. 

Tin Leg Customer Service and Support Experience

Tin Leg Travel Insurance is well reviewed, receiving an average of 4.6 stars out of five on SquareMouth across nearly 3,800 reviews. Reviews on its Better Business Bureau are consistent with its SquareMouth score, also averaging 4.6 stars across over 110 reviews, admittedly a limited sample size. Additionally, Tin Leg Travel Insurance is not certified with the BBB.

While most customers reported a smooth and speedy claims service, some noted that communication from Tin Leg Travel Insurance during the process can be spotty. Additionally, customers complained about their claims being denied due to requirements they were unaware of when purchasing coverage. One customer wrote about how they had to cancel a trip because of work, but hadn't been working at their company long enough to qualify for trip cancellation coverage.

See how Tin Leg Travel Insurance travel insurance stacks up against the competition. 

Tin Leg Travel Insurance vs. AIG Travel Guard

To compare Tin Leg Travel Insurance travel insurance to Travel Guard , we'll consider the coverage limits from their highest-rated, Gold and Travel Guard Deluxe plans, respectively.

With AIG Travel Guard's Deluxe plan, you'll get:

• Trip cancellation coverage up to $150,000
• Trip interruption coverage up to $225,000
• Emergency medical coverage of $100,000
• Coverage for baggage loss, theft, or damage up to $2,500
• Travel delay coverage of up to $1,000

Comparing those coverages with Tin Leg Travel Insurance's Gold plan, you'll see that AIG's coverages are better than Tin Leg Travel Insurance's in all areas except one – emergency medical. While AIG offers emergency medical coverage of $100,000, Tin Leg Travel Insurance's coverage limit is $500,000 (in primary coverage).

If the medical coverage piece is what's most important to you, Tin Leg Travel Insurance would be the right choice in this scenario. That said, having $100,000 in emergency medical coverage is nothing to scoff at, so it may come down to comparing premium costs.

Remember that the premium costs will depend on the traveler's age, trip destination, and trip cost. So you'll need to compare these two insurers using your trip-specific information to get a solid idea of the costs associated with each plan.

Read our AIG Travel Guard insurance review here.

Tin Leg Travel Insurance vs. Allianz Travel Insurance

Both Allianz Travel Insurance and Tin Leg Travel Insurance travel insurance offer a variety of travel insurance plans designed for different types of travelers with varying types and degrees of coverage.

In this comparison, we'll look at Allianz Travel Insurance's most popular single-trip plan, the OneTrip Prime plan, compared to Tin Leg Travel Insurance's Basic plan.

With Allianz Travel Insurance's most popular single-trip OneTrip Prime plan, you'll get:

• Up to $100,000 in trip cancellation coverage
• Up to $150,000 in trip interruption coverage
• $50,000 in emergency medical coverage
• Up to $1,000 in coverage for baggage loss, theft, or damage
• Up to $800 in travel delay coverage

In looking at Tin Leg Travel Insurance's basic plan, you'll find that these two policies offer the same $50,000 coverage limit for emergency medical. Still, Allianz Travel Insurance's plan exceeds Tin Leg Travel Insurance's in the other coverage limits. That said, you'll have to quote both of these policies using your personal trip information to make an informed decision, especially if cost is the most important factor to you.

Read our  Allianz travel insurance review here.

Tin Leg Travel Insurance vs. Credit Card Travel Insurance

Do you have a travel credit card? If so, consider the type of insurance coverage it may (or may not) offer. Some basic coverages, like primary rental car insurance, are provided through your credit card's travel protection . And if you don't need medical coverage or don't have a lot of non-refundable trip expenses, the coverage offered by your credit card could suffice.

That said, don't forget that credit card coverage is sometimes considered secondary coverage. That means you'll have to file a claim with any other applicable insurer before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Tin Leg Travel Insurance FAQs

All policies except Economy cover pre-existing medical conditions as long as you purchase your policy within 15 days of trip deposit.

You have 14 days after you purchase your policy to refund your Tin Leg Travel Insurance policy, as long as you haven't left for your trip. 

All Tin Leg Travel Insurance travel insurance policies include 24/7 emergency assistance services.

Tin Leg Travel Insurance claims can be submitted online or over the phone at 844-240-1233 during business hours. You'll need to provide details about your trip and the problem that arose during your trip. The claims process is quick, according to customer reviews, but be sure to review your policy for guideline related to claims. 

Yes, all tiers of Tin Leg Travel Insurance travel insurance offer cancellation coverage if you or a non-traveling loved one contracts COVID-19, though you will need to provide a positive test to receive reimbursement. 

Why You Should Trust Us: How We Reviewed Tin Leg

To review Tin Leg Travel Insurance travel insurance, we looked at several different factors. These included premium costs, coverage categories, and claim limits. In addition, we compared the policies and premiums available through Tin Leg Travel Insurance to those from the best travel insurance providers to see how they stack up — and also considered any additional add-on coverages available and the ease of getting a quote and filing a claim.

In the end, the best policy for you will be the one that provides the coverage you need and limits you're comfortable with while also staying within budget.

Read more about how Business Insider rates insurance products here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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AIG Travel Guard insurance review: What you need to know

Whether you need an annual plan or a policy for a last-minute trip, travel guard can deliver..

Travel Guard is one of CNBC Select 's picks for best travel insurance , thanks to its wide range of customizable policies. But are any of them right for you? Below, we review the provider and its offers and how they compare to the competition to help you choose the right travel insurance for your next trip.

Travel Guard review

Other insurance offered, how it compares, bottom line, travel guard® travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

24/7 assistance available

• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

Travel Guard® is a global travel insurance provider specializing in plans for leisure and business travelers. Its online travel insurance packages include five options, from basic and last-minute trip coverage to more comprehensive plans. This allows travelers to pick a plan that best matches their situation.

For example, budget-minded travelers might go for the Essential Plan which offers basic protections, such as trip cancellation, interruption and delay insurance, coverage for lost, damaged and delayed baggage, and medical, evacuation and death coverage.

On the other hand, the Deluxe Plan — the most comprehensive option — adds such extras as missed connection coverage, security evacuation, travel inconvenience benefits and more. It also boosts high limits for essential coverages.

Last-minute travelers can opt for the Pack N' Go Plan which only includes certain post-departure coverages. Or, if you travel often, the Annual Plan can cover your trips throughout the year.

Finally, Travel Guard offers "offline" travel insurance packages, meaning you'll have to call if you're looking for a specialty plan.

Coverage types

Depending on the plan, here are the types of protection Travel Guard can include in your package:

• Trip cancellations
• Trip interruption
• Baggage coverage
• Baggage delay
• Travel medical expenses
• Travel inconvenience benefits (reimbursement for such situations as runway delays, cruise diversion and other unforeseen situations)
• Medical evacuation
• Trip Saver (reimbursement for meals, hotels and transportation if you need to begin your trip sooner due to weather or airline changes)
• Trip exchange (reimbursement in case you have to cancel your trip and book a new one due to covered unforeseen circumstances)
• Security evacuation (due to a riot or civil disorder)
• Flight guard (coverage for accidental death or dismemberment that occurs when traveling by plane)
• Pre-existing medical conditions exclusion waiver

You can also customize your plan with add-ons, such as car rental insurance and "cancel for any reason" coverage .

Travel Guard landed on our list of the best travel insurance companies thanks to its variety of coverage. With plenty of options to choose from, both online and offline, it's easy to build a policy that meets your needs.

Travel Guard also features 24-hour concierge services that you can use to book a new flight in case of an emergency or delay.

The provider's website also offers informational resources — here, you can check travel news, read safety tips and find general travel advice. Additionally, the website lets you modify your plan, file a claim and check its status, or apply for a voucher or refund.

As of writing, Travel Guard doesn't offer any discounts. That's common for travel insurance — you're more likely to find deals when shopping for other types of insurance, such as home and auto insurance .

Travel Guard is a portfolio of travel insurance and travel-related services offered by AIG Travel, a member of American International Group (AIG). AIG also offers life insurance and a variety of business insurance products.

Travel Guard makes it easy to get a travel insurance policy customized to your needs. But before you purchase coverage, it's always a good idea to shop around.

For example, if you're going on a cruise, you might want to look at Nationwide Travel Insurance . The provider advertises cruise-specific insurance with three plan options available. This type of coverage is designed with issues unique to cruises in mind — from ship-based breakdowns to missed pre-pard excursions.

If you're planning a more active trip filled with rock climbing or sky diving, Berkshire Hathaway offers the AdrenalineCare® plan which features coverage for unforeseen costs that result from participating in extreme sports on your trip, as well as reimbursement for sporting equipment delay. Pre-existing conditions are covered under this plan (if you meet qualifying conditions).

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

As you can see, offerings vary by provider. It can be helpful to compare multiple companies and the plans they offer to find what works best for you. It's even better if you gather several quotes to ensure you're getting a good price for your policy.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Travel Guard offers plenty of ways to customize your policy, making it a solid choice for travel insurance. You can also access additional options by giving Travel Guard a call. However, make sure to check out other travel insurance companies too — comparison shopping is essential when picking any type of financial product.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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• Russian News and Stories

The Moscow metro now has a full 4G coverage

• On 19 Oct 2018

The Tele2 mobile network company became the first to build an infrastructure for 100% stations of the Moscow's metro. The high-quality 4G internet is now available on all 259 stations of the Moscow's metro, Moscow Central Circle (MCC) and monorail.

The operator has secured a 100% 4G indoor-coverage internet an all stations of the metropolitan metro, including the passageways, pavilions, and stairways. The investments into the project have exceeded 800 million rubles.

The Moscow underground is a specific infrastructure object, which has its own particularities. All works on designing, installation, and adjustment of the hardware should have been conducted exceptionally during night hours when the metro is closed for entry. A sufficient number of stations have a status of cultural heritage, thus, the network development has required additional approvement from the Department of Cultural Heritage of Moscow.

The network coverage within the metro system opens new horizons for the analysis of the "big data". Tele2 Network has analyzed the users' activity during the summer months and has indicated the busiest metro lines, which were: Tagansko-Krasnopresnenskaya, Zamoskvoretskaya and Kaluga-Riga lines. During the summer months, on the stations of Tagansko-Krasnopresnenskaya lines the subscribers have downloaded 125 TByte of internet-traffic, have made over 2 million calls with the total duration of 27 thousand hours, which equals to 3 years.

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Parts of Moscow Oblast without power as explosions hit energy plants

Several areas in Moscow Oblast including the entire town of Lytkarino are without power after explosions were reported near electricity substations early on Nov. 23 , local Russian media report.

Residents In Lytkarino reported a bright flash and a fire breaking out around 1am.

We’ve been working hard to bring you independent, locally-sourced news from Ukraine. Consider supporting the Kyiv Independent .

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Explosions occurred in Moscow region, several settlements lost power

E xplosions were heard in the town of Lytkarino, Moscow region, tonight, November 23. Several settlements in the Moscow region are without power, according to Baza.

Around 1 a.m., local residents allegedly heard a bright flash from the substation. Afterward, the lights went out in the Lytkarivsky district. A fire reportedly broke out at the site of the explosion.

According to Russian media, power was lost in several settlements in the Moscow region.

It should be noted that Lytkarino is situated 30 kilometers from the Russian capital.

Shots fired in Russia

In 2023, the number of attacks in a number of regions of the Russian Federation by attack drones increased. Also, something often burns and explodes on the territory of Russia. Different regions, including Moscow, are under attack.

At the same time, Ukrainian intelligence has already warned residents of the Russian capital that they should hardly relax, as the number of drone attacks will only increase.

In particular, on the evening of November 10, explosions occurred near the Design Bureau of Mechanical Engineering corporation in the Moscow region, where Kinzhals and Iskandars are manufactured.

One of the largest attacks took place on the night of July 30, when unidentified drones struck the business center of the Russian capital, Moscow City. The drones hit the so-called "government tower," which houses the offices of the Ministry of Economic Development, Ministry of Industry and Trade, and Ministry of Communications.

Brigadier General Sergei Baranov recently said that Ukrainian troops are preparing for a large-scale winter attack on various regions of Russia with the help of kamikaze drones.