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Does Trip Cancellation affect your Travel Insurance


One of the most common doubts that you may have about travel insurance would be regarding cancellation of trips. There are many unforeseen reasons where you may have to cancel a trip. However, it could result into heavy financial losses if it is not covered under your travel insurance plan. So, here are the various plans that offer your coverage for trip cancellation.

Trip Cancellation Plans
Trip Cancellation coverage

If you have to cancel your trip due to any unfortunate event such as sickness, bad weather or work emergency, then you can claim trip cancellation.

Trip Interruption coverage

If you have to return home due to unforeseen emergency such as sickness of a family member or loved ones, then travel Insurance reimburses you for the unused value of your trip. Additionally, you will get a one-way ticket depending on your plan.

Health insurance coverage

If you have a medical emergency like an accident, the travel Insurance repays your medical expenses including emergency medical transportation.

A Delay in your Trip

A delay in trip due to uncontrollable circumstances, such as airline delays, etc. entitles you to claim accommodation expenses

Typical events Travel Insurance covers
  • Someone close to you has a medical emergency or dies
  • You need emergency evacuation or transportation
  • Your travel supplier ceases the operation without any notice
  • Bad weather
  • Lost, theft or damaged luggage
  • Your trip is delayed, cancelled or interrupted due to unexpected reasons
  • Plane crash or sickness caused in a cruise
Travel Insurance Does Not Cover

Your travel insurance may not cover everything, and you will need to provide valid reasons and proof for cancellation.

For example, cancellation due to medical reasons must be accepted by a doctor. The travel insurance will look into the medical history. The following reasons are not accepted.

  • You change your decision because of travel expenses
  • Losses due to war (declared or not), military actions, civil disorder, and riots.
  • Losses due to venereal disease, AIDS virus, pregnancy (complications), or abortion.
  • Losses due to mental, psychological, or nervous
  • Losses due to nuclear radiation
  • Losses incurred while the insured is participating in an unlawful act
  • Losses due to the insured attempting suicide or bodily harm
  • Losses incurred while the insured is acting under the influence of drugs or alcohol

Additionally, you should always check the policy to know what factors are considered by your insurance provider.

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Disclaimer :The information published on this website is for the public's reference only. Content of this information is to provide an overview of your Insurance needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice for Travel/Health/Motor. Bharti AXA General Insurance Company Limited makes no representations about the suitability, reliability, timeliness, and accuracy of the information, travel, services, or any other items mentioned on this subject for any purpose whatsoever.

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