Best Trip Cancellation Insurance and Refund

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Travel insurance with trip protection coverage - Highlights


Trip cancellation

Reimbursement for loss of pre-paid, non-refundable payments.

medical evacuation

Medical evacuation

Transportation to or between hospitals as needed.


Trip delay

Reimbursement of food and lodging expenses due to delay in travel.


Lost baggage

Pays sum for lost or delayed luggage by airline.

medical expenses

Medical expenses

Covers cost of treatment for sickness or injury during your vacation.

Refund of Travel Insurance

Travel medical insurance that does not include trip cancellation coverage is cancellable before the start date. Most companies do not charge any cancellation fee before the policy starts, so if your plans change, if your visa application is denied, or for any reason, you can get a full refund on your policy. To be sure, you should check the cancellation policy of your plan before your purchase to be sure you have the flexibility you want. To get your refund, you must contact the insurance company in writing. We are not the insurance company, but your agents. We can forward your mail to the correct place, but be sure there is time for that before the policy starts. You could call us and we can give you the information you need.

Trip cancellation plans generally only have a 10-day "free look" period in which you can cancel the policy after your purchase. This is because those plans, in effect, begin immediately after you buy them. They are in place should you get sick or something happen to interfere with your travel plans, you can get a refund on the non-reimbursable costs of your trip which you have insured. This is a good option for an expensive cruise or tour for which you are investing a bit of money to take.

In that case, you do not get a refund on your insurance, but you may be able to get a refund on your trip costs if the plan allows it for the circumstances of your trip cancellation. In that case, you should consult the details of the policy you are purchasing.

Trip Cancellation Insurance

Highlights of trip cancellation insurance coverage benefits

Cost of travel insurance factors

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What if I don't get the visa for travel? Will I get my money back on the travel insurance?

The process for obtaining a refund of your travel insurance cost when your visa is denied can vary depending on the terms and conditions of the specific travel insurance policy you purchased. Here are some general steps to consider:

  • Check for exceptions: Before purchasing your insurance plan, check on the cancellation policy. Some policies may have specific conditions or exclusions related to visa denials, so be sure to understand these conditions when purchasing your policy.
  • Review your policy: First, carefully review the terms and conditions of your travel insurance policy. Pay particular attention to the section that discusses trip cancellation or trip interruption due to a visa denial.
  • Contact your insurance provider: Reach out to your insurance provider as soon as you receive the visa denial. You'll want to inform them of the situation and inquire about the possibility of a refund. Note that most companies require you to ask for a written cancellation notice. This notice should include your policy number, at least the name if the primary insured, their date of birth, and a brief reason for the cancellation.
  • Provide documentation: Your insurance company may request documentation to support your claim. This could include a copy of your visa denial letter, any application fees you paid for the visa, and any other relevant documents. Note that for some policies, you are not required to have any documentation since you can cancel for any reason. You will know this after reviewing your policy.
  • Follow their instructions: Your insurance company will guide you through their specific claims process. Follow their instructions and provide all the required information promptly. As soon as you can, you should begin to process your cancellation. Do not wait until your trip was supposed to start.
  • Wait for a decision: The insurance company will review your claim and make a decision on whether you are eligible for a refund based on the terms of your policy. If you policy had already started, there may be some cancellation fee associated with cancelling the policy. Refunds will be made to the credit card used for the initial purchase.

It's essential to act promptly and be aware of the deadlines and requirements outlined in your policy. Keep copies of all communication with your insurance provider for your records.

Remember that not all travel insurance policies cover visa denials, and coverage can vary between different providers and policy types. If you're unsure about whether your policy covers visa denials or how to proceed, it's a good idea to contact your insurance company or us as your agents for clarification.

International travel insurance trip cancellation insurance and refund - FAQ's

01. Can I get a refund if I need to cancel my trip?

Whether you can get a refund depends on the specific terms of your trip cancellation insurance. Most policies provide reimbursement for non-refundable trip expenses if the cancellation is due to a covered reason.

02. Are pre-existing medical conditions covered by trip cancellation insurance?

Travel insurance policies do not cover pre-existing medical conditions unless the policy has a pre-existing medical condition waiver or provides benefits for acute recurrence of a pre-existing condition. However, some travel insurance plans can save your travel investment if you must cancel your trip for covered health reasons caused by pre-existing medical conditions. To qualify for this coverage, you must select a plan that offers a Pre-Existing Medical Condition Exclusion Waiver and meet specified conditions.

03. How soon do I need to purchase trip cancellation insurance?

The best time to purchase trip cancellation insurance is immediately after you have completed your travel arrangements. This way, you will know your total pre-paid trip costs and can get an accurate quote if you are purchasing travel insurance with trip cancellation or trip interruption benefits. That way, your entire travel investment can be protected.

04. Is refund coverage included in all trip cancellation insurance plans?

Refund coverage is not included in all trip cancellation insurance plans. However, most comprehensive travel insurance policies include trip cancellation coverage as a standard benefit. This benefit provides reimbursement of your pre-paid, non-refundable expenses if you need to cancel your trip unexpectedly for a covered reason.

US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers

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