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
| Policy | Company | Policy limit | Package limit |
|---|---|---|---|
| Advantage Asset | MH Ross | 100% of trip cost | |
| Advantage Bridge | MH Ross | 150% of trip cost | |
| Advantage Complete | MH Ross | 150% of trip cost | |
| Adventure Travel | Travel Guard | 150% of trip cost * | |
| Annual Business Travel Protection (Executive) | Allianz | $5,000 | |
| Annual Travel Protection | Allianz | $1,000 | |
| Basic | Travel Guard | 100% of trip cost | |
| Basic (Comprehensive) | Access America | 100% of trip cost | |
| Business Traveler | Travel Guard | $2,500 | |
| Classic (Comprehensive) | Allianz | 150% of trip cost | |
| Custom | TravelSafe | 150% of trip cost | |
| Custom | CSA | 150% of trip cost | |
| Custom Luxe | CSA | 150% of trip cost | |
| Deluxe (Comprehensive) | Allianz | 150% of trip cost | |
| Elements (Family) | TravelSafe | 150% of trip cost | |
| Elements (Individual) | TravelSafe | 150% of trip cost | |
| Global Alert Essentials | Global Alert | 100% of trip cost | |
| Global Alert Preferred | Global Alert | 150% of trip cost | |
| Global Alert Preferred Plus | Global Alert | 150% of trip cost | |
| Gold | Travel Guard | 150% of trip cost | |
| Liaison Continent | Seven Corners | $5,000 | |
| Liaison International | Seven Corners | $5,000 | |
| Liaison Majestic | Seven Corners | $5,000 | |
| Liaison Silver | Seven Corners | $5,000 | |
| Liaison Traveler | Seven Corners | $5,000 | |
| Liaison Worldwide Travel Medical | Seven Corners | $5,000 | |
| My TravelGuard | Travel Guard | 100% of trip cost | |
| Pack 'n Go | Travel Guard | $1,000 | |
| Platinum (Cruise Tour & Travel) | Travel Guard | 150% of trip cost | |
| Premier | TravelSafe | 150% of trip cost | |
| Quick Trip Protector | Allianz | $1,500 | |
| RoundTrip | Seven Corners | 150% of trip cost | |
| Savvy Traveler | Travel Guard | 100% of trip cost | |
| Select Basic | Travel Insurance Services | 100% of trip cost | |
| Select Elite | Travel Insurance Services | 150% of trip cost | |
| Select Plus | Travel Insurance Services | 125% of trip cost | |
| Silver | Travel Guard | 100% of trip cost | |
| Sportsman's Travel | Travel Guard | 150% of trip cost * | |
| Tee, Tour, and Travel | Travel Guard | 150% of trip cost * | |
| Business Traveler | Travelex | $1,000 | |
| Travel Basic | Travelex | 100% of trip cost | |
| Travel Lite | Travelex | 150% of trip cost | |
| Travel Max | Travelex | 150% of trip cost | |
| Travel Plus | Travelex | 150% of trip cost | |
| TravelRite Annual | Travel Guard | $1,500 | |
| Travel Select | Travelex | 150% of trip cost | |
| Travel Select Advantage | Travelex | 150% of trip cost | |
| TripProtector | HTH Worldwide | 100% of trip cost | |
| Trip Protector Lite | Travel Insured | 100% of trip cost | |
| Trip Protector Lite Expanded | Travel Insured | 100% of trip cost | |
| TripProtector Preferred | HTH Worldwide | 150% of trip cost | |
| Vacation | TravelSafe | 150% of trip cost | |
| Wander Frequent Traveler | Seven Corners | $5,000 | |
| Worldwide Medical | Travel Insured | $5,000 | |
| Worldwide Trip Protector | Travel Insured | 150% of trip cost | |
| Worldwide Trip Protector Gold | Travel Insured | 150% of trip cost |
* Up to a limit of $150,000
Medical Plans
| Policy | Company | Policy limit |
|---|---|---|
| No coverage | Global Underwriters | |
| TravMed Abroad | FrontierMEDEX | $5,000 |
| TravMed Choice | FrontierMEDEX | $5,000 |
| TravMed Global (optional rider) | FrontierMEDEX | $500-$10,000 |
| Worldwide Health International | Travel Guard | $5,000 |
| Atlas Medical | Travel 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