What Is Trip Interruption Coverage?
Trip Interruption Insurance provides financial protection if you need to cut your trip short due to a covered emergency. It helps you recover unused prepaid trip costs and covers additional travel expenses, so you don’t face unexpected financial losses while traveling.
- Unused non-refundable trip expenses – such as flights, hotels, tours, and activities you cannot use.
- Additional transportation costs – to return home or reach your destination if your trip is interrupted.
- Emergency medical expenses – if you need to return home for urgent medical treatment.
- Travel delays – covering extra costs incurred due to unforeseen delays.
Why Is Trip Interruption Insurance Important?
Trip Interruption Insurance is important because it protects you from losing money when an unexpected emergency forces you to end your trip early. It helps cover unused prepaid expenses and pays for the extra costs of returning home. This ensures your travel plans and investment stay secure even when the unexpected happens.
- Prevents financial loss from unused, non-refundable bookings
- Covers last-minute transportation costs to get home
- Helps manage emergencies like illness, injury, or severe weather
- Provides peace of mind knowing your trip is protected
What Does Trip Interruption Benefit Cover?
Trip interruption coverage helps you recover prepaid, non-refundable trip costs if you must end your trip early due to a covered emergency. It also pays for the extra expenses needed to return home safely. This benefit protects travelers from unexpected disruptions caused by illness, injury, family emergencies, or travel delays. It ensures your trip investment is protected when plans suddenly change.
- Unused non-refundable trip expenses – such as flights, hotels, tours, and activities you cannot use.
- Additional transportation costs – to return home or reach your destination if your trip is interrupted.
- Emergency medical expenses – if you need to return home for urgent medical treatment.
- Access 24/7 assistance and support in emergencies
How much does Travel insurance with Trip Interruption cost?
Travel insurance with Medical evacuation coverage cost ranges from $24 to $138 for a 15 day trip with a $1,000 trip cost . Trip insurance cost is based on the travelers age, trip length and trip cost.
| Plan Name | Trip interruption | Age 20 | Age 40 | Age 60 |
|---|---|---|---|---|
| Safe Travels Protect Trawick International | Up to $250,000 | $24 | $32 | $39 |
| Pathway Essential Trawick International | Up to $250,000 | $24 | $33 | $53 |
| iTravelInsured Travel Lite IMG | Up to $500,000 | $33 | $43 | $62 |
| Trip Protection Basic seven corners | Up to $250,000 | $34 | $47 | $70 |
| Itravelinsured Choice IMG | Up to $500,000 | $39 | $50 | $73 |
| Safe Travels Rental Plus Trawick International | Up to $250,000 | $53 | $53 | $64 |
| Travel Insurance Select (Plus) Travel Insure | Up to $500,000 Max | $42 | $42 | $87 |
| Safe Travels Armor Trawick International | Up to $1,000,000 | $43 | $55 | $67 |
| Trip Protector Economy Seven corners | Up to $500,000 | $47 | $55 | $71 |
| Trip Protection Choice Seven corners | Up to $1,000,000 | $65 | $87 | $118 |
| Safe Travels Voyager Trawick International | Up to $1,000,000 | $43 | $56 | $89 |
| Itravelinsured LX Trawick International | Up to $1,000,000 | $102 | $114 | $138 |
What is the difference between trip interruption and trip cancellation?
- Trip Cancellation : covers you before your trip starts. It refunds prepaid costs if you cancel due to a covered reason (like illness or emergency).
- Trip Interruption : covers you after your trip has started. It reimburses unused trip costs and extra expenses if you must return home early.
What Are the Common Exclusions for Trip Interruption Insurance?
- Voluntary trip changes – Ending your trip early by choice or due to a change of plans
- Pre-existing medical conditions – Unless your policy includes a pre-existing condition waiver
- Minor illnesses or injuries – Conditions that do not require you to return home
- Work or financial issues – Job conflicts, business losses, or schedule changes
- Alcohol or drug-related incidents – Including accidents while under the influence
- High-risk activities – Adventure sports or hazardous activities not listed as covered
- Travel delays only – Delays without a covered emergency reason
- Lack of proper documentation – Lost passport, visa issues, or expired travel documents
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Trip interruption Coverage - FAQs
No. Ending your trip early by choice is not covered.
No. Delays are usually covered under travel delay insurance, not trip interruption.
Trip interruption insurance typically reimburses non-refundable trip expenses, including flights, hotels, tours, and other prepaid travel arrangements. It can also cover extra transportation costs if you need to return home early or resume your trip later due to a covered emergency.
Only if your policy includes a pre-existing condition waiver.
It’s best to purchase trip interruption insurance from American Visitor Insurance at the same time you book your trip. Buying early ensures you’re protected against unexpected events that could force you to cut your trip short.
Common covered reasons include serious illness or injury, death of a family member, natural disasters, or being ordered to evacuate.
Most plans reimburse up to 100–150% of your trip cost, depending on the policy.
Yes, but it must be purchased before you start traveling.
