Trip Interruption For Any Reason Insurance - Review
Trip Interruption for Any Reason Insurance is a fairly new coverage found in some travel insurance policies. It allows you to interrupt your trip for virtually “any” reason. The most common reasons travelers interrupt their trips are:
- Unforeseen illness of the traveler, traveling companion or non-traveling family member
- Accidental injury to the traveler, traveling companion or non-traveling family member
- A death to the traveler, traveling companion or non-traveling family member
All the above reasons are covered in the travel insurance policy under regular trip interruption insurance coverage. But what if something not covered under your travel interruption plan comes up? Travel interruption for any reason coverage is an added layer of financial protection for those issues.
Planning for a trip is exciting and no one wants to arrive at their destination, start having fun and then have to leave unexpectedly. However, this does sometimes happen, with travelers simply changing their minds and wishing to head home.
It is comforting to know that if there is a change of mind, a trip can be interrupted, the traveler can head home, and some financial compensation can still be paid. That is the beauty of Trip Interruption for Any Reason Travel Insurance.
AardvarkCompare reviewed two travel insurance plans available to buy that include Trip Interruption For Any Reason. Here are the policy benefits defined as:
iTravelInsured LX - Interruption For Any Reason:
If You interrupt Your Trip, forty-eight (48) hours or more after Your actual Departure Date, for any reason not otherwise covered by this Policy, benefits will be paid, up to: seventy-five percent (75%) of the total amount of coverage You purchased, to reimburse You for the Prepaid Payments or Deposits for unused non-refundable land or water Travel Arrangements.
C&F Travel Insured Worldwide Trip Protector Plus – Interruption For Any Reason:
If You interrupt Your Trip, 72 hours or more after Your actual Departure Date, for any reason not otherwise covered by this Policy, benefits will be paid, up to the lesser of
a) the Maximum Benefit Amount shown in Your Confirmation of Benefits; or
b) 75% the total amount of coverage You purchased, to reimburse You for unused non-refundable land or water Travel Arrangements; Plus the Additional Transportation Cost paid
c) to join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements by the most direct route possible to reach Your Trip destination (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket); or
d) to rejoin Your Trip or transport You to Your originally scheduled return destination, if You must interrupt Your Trip after departure, each by the most direct route possible (Airfare limited to the cost of one-way airfare using the same class of fare as the original travel ticket)
What all this means is once you have departed on your trip, and you are at least 48-72 hours into the trip, and you want or need to interrupt the trip and return home, you can. With trip interruption for any reason travel insurance you will be reimbursed up to 75% of the pre-paid, non-refundable and unused portions of your trip. Please note that trip interruption for any reason requires 48-72 hours (depending on the plan you choose) of your trip to be complete prior to using this benefit. So, if you have a long weekend planned, Saturday, Sunday and Monday, a plan that requires the 72 hour wait would not work for you.
Trip Interruption for Any Reason - Example
A good example of interruption for any reason coverage would be this:
A traveler insures $2,000 for a 10-day trip, which is 100% of all their pre-paid and non-refundable trip costs. On day 5 the traveler needs to get home and uses the trip interruption for any reason benefit.
In this scenario, the traveler has used 50% of the trip ($1,000), so 75% of the unused $1,000 portion of the trip is covered under the interruption for any reason benefit. In addition, with the Travel Insured Worldwide Trip Protector plus, this traveler can be reimbursed for part or all the additional transportation fees associated with getting back home.
Why would I Need to Buy Trip Interruption For Any Reason?
You’re probably thinking that if you had to interrupt your trip it would be for the usual reasons listed in the policy, but think about these:
- Your pet is injured, or worse, dies while you’re on vacation. You may wait until the end of your trip to return, but if you are like me, you’ll want to get home as soon as possible.
- You get to the third day on your trip and the hotel you booked for the rest of the trip is not the 5-star accommodations you were looking forward to. All other hotels are booked, and you just can’t stay in this room that has not been updated or cleaned since 1952. You may stick it out, but with trip interruption for any reason coverage, you don’t have to.
- What if the bid on that new condo you want was accepted and the only time to sign the paperwork is 10 days into your 14-day vacation?
- You’re having a panic attack and just must get home. Panic attacks are not covered under a regular interruption coverage, as you must be hospitalized with a mental or nervous condition to be covered under the normal trip interruption coverage.
There are hundreds of scenarios like these that could leave you wanting or needing to interrupt your travels and trip interruption for any reason coverage affords you peace of mind that you can.
Cancel For Any Reason and Interruption For Any Reason
All policies with travel interruption for any reason coverage should also include travel cancellation for any reason coverage. There are some similarities and differences between these “any reason” coverages.
Let’s look at the policy wording of two of the companies that include both trip cancellation for any reason and trip interruption for any reason:
iTravelInsured Travel LX policy states:
Cancel for Any Reason Benefit If You cancel Your Trip for any reason not otherwise covered by this Policy, benefits will be paid for seventy-five percent (75%) of the Prepaid, forfeited, non-refundable Payments or Deposits You paid for Your Trip provided:
(a) Your Payment or Deposit for this Policy and enrollment form are received within twenty (20) days of the date Your initial Payment or Deposit for Your Trip is received; and;
(b) You insure one hundred percent (100%) of the Prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within twenty (20) days of the Payment or Deposit for those Travel Arrangements the cost of any subsequent Travel Arrangements (or any other Travel Arrangements not made through Your travel agent) added to Your Trip; and
(c) You cancel Your Trip two (2) days or more before Your Scheduled Departure Date.
C&F Travel Insured Worldwide Trip Protector Plus policy states:
Cancel For Any Reason - If You cancel Your Trip for any reason not otherwise covered by this Policy, benefits will be paid for 75% of the Prepaid, forfeited, non-refundable Payments or Deposits You paid for Your Trip provided:
- a) Your Payment for this Policy and enrollment form are received within 21 days of the date Your initial Payment or Deposit for Your Trip is received;
- b) You insure 100% of the Prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 21 days of the Payment or Deposit for those Travel Arrangements the cost of any subsequent Travel Arrangements (or any other Travel Arrangements not made through Your travel agent) added to Your Trip; and
- c) You cancel Your Trip 48 hours or more before Your Scheduled Departure Date.
Similarities - Cancel for Any Reason and Interruption for Any Reason
- Both Trip Cancellation For Any Reason and Trip Interruption For Any Reason will cover reasons not listed under Trip Cancellation or Trip Interruption.
- Both Trip Cancellation For Any Reason and Trip Interruption For Any Reason will reimburse up to 75% of pre-paid and non-refundable trip costs.
There are time sensitive requirements to use these benefits:
- Cancel For Any Reason must be used more than 2 days (48 hours) prior to your departure date.
- Interruption For Any Reason must be used 48-72 days after your departure date.
Differences - Cancel for Any Reason and Interruption for Any Reason
- Travel Cancellation For Any Reason is a pre-departure benefit. Travel Interruption For Any Reason is a post departure benefit.
- To qualify for Travel Cancellation For Any Reason coverage, you must insure 100% of all pre-paid and non-refundable Trip costs. This is not true for travel interruption for any reason.
- Another qualification for having Travel Cancellation For Any Reason included in your policy is you must purchase your Travel Insurance policy within 20-21 days of the initial payment on your trip. This is not required to have Travel Interruption For Any Reason included in you travel insurance policy.
In other words, you could purchase either of the plans mentioned in this article more than 21 days from your initial payment or deposit on the trip and insure less than 100% of the total trip cost and have the trip interruption for any reason benefit included in the plan.
What does Trip Interruption for Any Reason Insurance Cost?
Vacation interruption for any reason can add to the rates of the Travel Insurance policy. Typically, a policy with interruption for any reason included will cost approximately 50% more than a plan without. With iTravelInsured LX, for example, a couple from the US aged 59 and 65 traveling to France for 14 days with a trip cost of $4,000 could pay $237 for a plan without Interruption For Any Reason, and pay $355 for a plan that includes the coverage.
With Travel Insured Worldwide Trip Protector Plus the same couple would pay $208 for a plan without Interruption For Any Reason, and $312 for a plan with the coverage included.
General Travel Insurance Recommendations
We recommend that all travelers consider travel insurance as you just don’t know what may happen to put the investment in your trip at risk. We also recommend buying early, within 15 days of making your initial trip payment so all the time sensitive benefits are available, like the Pre-Existing Medical Conditions Waiver.
“Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or Family Member scheduled or booked to travel with You:
1) received or received a recommendation for a test, examination, or Medical Treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or
2) took or received a prescription for drugs or medicine.
Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before coverage is effective under this Policy.”
In short, a pre-existing medical condition is any condition for which you were examined, treated, had medical testing, or had a recommendation by a physician to have an exam, treatment or testing in the 60-180 days (depending on the plan you choose) prior to purchasing your travel insurance policy.
Most plans will only consider those conditions which occurred in the 60 days prior to purchasing the trip insurance policy; however, there are policies that will look back as far as 180 days, so make sure you know what you’re getting before you purchase. If you’re not sure, give AardvarkCompare a call, send a chat or email and we’ll be happy to help.
Pre-Existing Medical Condition Waiver
If you purchase travel insurance within the time sensitive period, you’ll be eligible for the waiver of pre-existing medical conditions. The pre-existing medical conditions waiver is a benefit that allows for coverage of pre-existing medical conditions if the traveler purchases travel insurance within 15-21 days of the initial trip payment or deposit (depending on the chosen plan) and is medically fit to travel on the date the travel insurance policy is purchased.
In addition, if you’re traveling overseas, we recommend a minimum of $100,000 medical coverage to be properly covered. And please be aware that for seniors on Medicare, you will not be covered for medical issues while outside of the US. As always, we recommend that check your primary insurance to determine what is covered and not covered to make sure any gaps are filled while traveling.
It is also a good idea to compare all the benefits in a policy to help get the best value for your travel needs. AardvarkCompare can easily compare dozens of the top travel plans from many of the largest US travel insurers.
Will I Pay More Buying Travel Insurance From a Comparison Website?
Wondering if you can get a better deal directly with the insurance company? The answer is no. You will get the same price on the insurers site as you will on AardvarkCompare. Because we are not allowed to compete on the price of “filed” insurance products, you will always get the best value from us.
Contact us through email, Live Chat or a telephone call, we are happy to help.
Recent AardvarkCompare Travel Insurance Customer Reviews
I Panicked When I Discovered I panicked when I discovered the Travel Insurance I had through Expedia had expired when I changed my flight reservation. When I went to renew I was told I couldn't. I discovered Aardvark on my AARP site and I was excited I could purchase a an even better travel plan with coverage starting with my trip departure, at a cost I could afford. I was confused with the initial site and was Mr. Breeze reached out to me for clarification. He explained the policy more thoroughly and addressed all my concerns, can't get any better then that! Thank You Aardvark and thank you Jonathan for your assistance. I can go on my trip now knowing I'll be covered for medical emergencies, and then some. _ _Barbara
Good Choices, Well Explained I liked the way insurance was explained. I had read an article your company had written explaining Expedia trip coverage versus other choices. I used this advice to make the best choice for me and my traveling companions. That choice was to take a policy that provided much better medical and evacuation primary care. Your site allowed comparisons, and I think I got the best value for my money. I don't like constant follow up emails. You could back off a bit!! Louise