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You are here: Home > Coverages > Trip Interruption

Trip Interruption Coverage

This coverage reimburses up to 150% of your unused trip costs if you have to end your trip and return home for a covered reason. The covered reasons for interrupting your trip are the same as the covered reasons for cancelling your trip when you have a package plan.

Contents (click to jump down)
What does Trip Interruption cover?
Important notes about this coverage
What type of policy covers this?
How much coverage does each company provide?
Summary

Let us tell you a story

Jack, his father, and his three brothers were on a deep sea diving trip off the coast of Florida. They had purchased a great package and got a per-person discount. As they were coming into dock one evening, Jack caught up with his voice mail and was shocked to learn that his business back home had been burglarized. The police back home needed to speak with him as soon as possible, so did his insurance agent.

Jack decided to return home and take care of the problems that waited for him there. Of course, the rest of the family wanted to stay and finish their vacation. With travel insurance that includes trip interruption coverage, Jack’s family won’t have to pay a higher occupancy rate because he had to leave, and Jack will get reimbursed for the cost of scheduling an earlier flight home.

What does Trip Interruption cover?

Trip interruption is post-departure coverage that reimburses you up to the covered amount defined in the policy for unused travel expenses that you will forfeit if you have to end your trip and return home. In addition, trip interruption coverage provides additional reimbursement to cover the costs that result from the purchase of additional tickets to return home. If your trip is interrupted and you are able to rejoin the trip, some plans will also provide reimbursement for the additional transportation costs related to re-joining your trip.

Some travel insurance plans also reimburse travelers for the change in per-person occupancy rates if a traveling companion has to return home but the insured continues the trip.

Important notes about this coverage

  • This coverage typically requires that you purchase your travel insurance plan within a certain number of days (usually 14-21) of making your initial trip deposit.
  • This coverage requires that your return transportation be economy fare, or similar quality as the originally issued tickets, less any applied credit from an unused return travel ticket.
  • Travelers usually have to insure the entire cost of their trip to be eligible for this coverage. This coverage is in effect at 12:01 a.m. on the scheduled departure date.

What type of policy covers this?

Many, but not all, package plans include trip interruption coverage. With a package plan, you’ll find the description of covered reasons for trip interruption is typically organized with the trip cancellation benefit description.

While trip interruption coverage is typically isolated to package plans, some travel medical policies (specifically those with Medex Assist Travel Medical) include trip interruption benefits in their coverage.

How much coverage does each company provide?

Package Plans

PolicyCompanyPolicy limitPackage limit
Advantage AssetMH Ross100% of trip cost
Advantage BridgeMH Ross150% of trip cost
Advantage CompleteMH Ross150% of trip cost
Adventure TravelTravel Guard150% of trip cost *
Annual Business Travel Protection (Executive)Allianz$5,000
Annual Travel ProtectionAllianz$1,000
BasicTravel Guard100% of trip cost
Basic (Comprehensive)Access America100% of trip cost
Business TravelerTravel Guard$2,500
Classic (Comprehensive)Allianz150% of trip cost
CustomTravelSafe150% of trip cost
Custom
CSA150% of trip cost
Custom LuxeCSA150% of trip cost
Deluxe (Comprehensive)Allianz150% of trip cost
Elements (Family)TravelSafe150% of trip cost
Elements (Individual)TravelSafe150% of trip cost
Global Alert EssentialsGlobal Alert100% of trip cost
Global Alert PreferredGlobal Alert150% of trip cost
Global Alert Preferred PlusGlobal Alert150% of trip cost
GoldTravel Guard150% of trip cost
Liaison ContinentSeven Corners$5,000
Liaison InternationalSeven Corners$5,000
Liaison MajesticSeven Corners$5,000
Liaison SilverSeven Corners$5,000
Liaison TravelerSeven Corners$5,000
Liaison Worldwide Travel MedicalSeven Corners$5,000
My TravelGuardTravel Guard100% of trip cost
Pack 'n GoTravel Guard$1,000
Platinum (Cruise Tour & Travel)Travel Guard150% of trip cost
PremierTravelSafe150% of trip cost
Quick Trip ProtectorAllianz$1,500
RoundTripSeven Corners150% of trip cost
Savvy TravelerTravel Guard100% of trip cost
Select BasicTravel Insurance Services100% of trip cost
Select EliteTravel Insurance Services150% of trip cost
Select PlusTravel Insurance Services125% of trip cost
SilverTravel Guard100% of trip cost
Sportsman's TravelTravel Guard150% of trip cost *
Tee, Tour, and TravelTravel Guard150% of trip cost *
Business TravelerTravelex$1,000
Travel BasicTravelex100% of trip cost
Travel LiteTravelex150% of trip cost
Travel MaxTravelex150% of trip cost
Travel PlusTravelex150% of trip cost
TravelRite AnnualTravel Guard$1,500
Travel SelectTravelex150% of trip cost
Travel Select AdvantageTravelex150% of trip cost
TripProtectorHTH Worldwide100% of trip cost
Trip Protector LiteTravel Insured100% of trip cost
Trip Protector Lite ExpandedTravel Insured100% of trip cost
TripProtector PreferredHTH Worldwide150% of trip cost
VacationTravelSafe150% of trip cost
Wander Frequent TravelerSeven Corners$5,000
Worldwide MedicalTravel Insured$5,000
Worldwide Trip ProtectorTravel Insured150% of trip cost
Worldwide Trip Protector GoldTravel Insured150% of trip cost

* Up to a limit of $150,000

Medical Plans

PolicyCompanyPolicy limit
No coverage Global Underwriters
TravMed AbroadFrontierMEDEX$5,000
TravMed ChoiceFrontierMEDEX$5,000
TravMed Global (optional rider)FrontierMEDEX$500-$10,000
Worldwide Health InternationalTravel Guard$5,000
Atlas MedicalTravel Insured$5,000

Summary

  • Recover up to 150% of unused trip costs if you have to return home
  • This coverage often allows you to rejoin the trip when the emergency is handled
  • Helps travelers who would pay a higher per-person rate if one traveler leaves (some plans)
  • This coverage is offered in many package plans and a few travel medical plans

 

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About this website

Damian Tysdal Profile PhotoMy name is Damian, and I started this website in 2006 to help travelers understand travel insurance.

The site features company reviews, guides, articles, and many blog posts to help you better understand travel insurance and pick the right plan for your trip (assuming you actually need travel insurance).

I am also a licensed travel insurance agent, and you can get a quote and purchase through this site as well.

Coverage Guide

  • Trip Cancellation Coverage
  • Trip Interruption Coverage
  • Emergency Medical Expense Coverage
  • Emergency Evacuation/Repatriation Coverage
  • Travel Delay Coverage
  • 'Cancel for any reason' Coverage
  • ‘Cancel for work reasons’ Coverage
  • Pre-existing Condition Coverage
  • Baggage Coverage
  • Baggage Delay Coverage
  • Missed Connection Coverage
  • Travel Medical Assistance Coverage
  • Emergency Medical Reunion Coverage
  • Sports Equipment Coverage
  • Return of Minor Children Coverage
  • Adventure Activities Coverage
  • Pet Care Coverage
  • Security/Political Evacuation Coverage
  • Passport & Credit Card Coverage
  • Car Rental Collision Coverage
  • Accidental Death and Dismemberment (AD&D) Coverage
  • Flight Accident Coverage
  • Roadside Assistance Coverage
  • Concierge Services Coverage
  • Business Assistance Coverage
  • Worldwide Travel Assistance Coverage
  • Identity Theft Services Coverage
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