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Top 4 Frequently-Asked Questions About Trip Interruption Coverage

Top 4 Frequently-Asked Questions About Trip Interruption Coverage

Have you ever faced a situation, where you have had to cancel your travel trip at the last moment? Since it is at the absolute end moment, it is possibility that you would not be able to recover the refund of the cancellations. What if an emergency took place after you have left your city and requires you to come back home immediately? Well, it can still be handled.

There is one way to ensure that you will be reimbursed with all the trip related expenses due to last minute cancellations. Sounds too good to be true? This is how it works:

  1. What is Trip Interruption Coverage?

If you take travel insurance with a clause that refunds your money in case there’s an interruption during your trip, you will be able to make the most of this service. The reasons for the cancellation, however, must be mentioned within the policy.

  1. What reasons fall under the Trip Interruption Coverage?

Trip Interruption Coverage works for the following reasons-

  • If there’s a terrorist attack and you need to leave the trip for safety measures. In case of a natural disaster, like a volcanic eruption, you will have to evacuate the vicinity.
  • If there’s a sudden loss, injury or illness for which you have to travel back home.
  • In case you face unfortunate crimes like assault, rape or mugging. As the victim, you could come home and claim the cost of the trip from the insurer.
  • If you are facing financial bankruptcy, or have been called to complete your call of duty such as disaster relief work and so on.
  1. How should you file for a Trip Interruption Cover?

If it is a medical emergency, remember to inform your insurer and provide them with all the right documentation, medical bills and reports.

You also have to submit the interruption coverage under the travel insurance policy document.

  1. What are the exclusions?

Exclusions are applicable under the following circumstances:

  • When you have a pre-existing medical condition
  • If you are rushing back home because a friend (or an immediate family member)
  • is unwell
  1. You have to get back for a meeting or job interview

It is important to know what is not covered under the interruption coverage clause of the travel insurance.

Trip interruption coverage is great for pre-paid and non-fundable trips, because you never know when an emergency can require you to leave your trip mid-way and come back home. Whatever you do, do not forget to read the fine print before you buy travel insurance online.

Enjoy your travel destination to the fullest with your travel insurance coverage in place.

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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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