Trip cancellation coverage applies to trips canceled before they start, while trip interruption coverage applies to trips that are interrupted once they start. Trip cancellation and interruption coverage is often included in a comprehensive travel insurance policy. Both companies can reimburse you for non-refundable travel expenses that you cannot make for a covered reason, within the limits established in your policy. The Company will not provide any benefit, reimbursement or coverage for any of the costs or expenses incurred by the Insured Person for a return trip, if any, to the Insured Person's place at the time of learning of such death or destruction.
The two most common ways to get trip interruption coverage are to purchase a travel insurance policy or apply for a premium travel credit card that offers travel insurance benefits. Also, keep in mind that you may be able to purchase trip cancellation and interruption insurance separately or that it may be part of the benefits included in a travel insurance plan. Pay up to the amount you specify in your policy, when you or a family member who lives with you rent a car while your car cannot be driven because of the damages that would be paid under your comprehensive or collision coverage. If your car is in the repair shop due to damage covered by your comprehensive or collision insurance, the car rental reimbursement will help pay the cost of renting a car that you can use to go to work, school, or other everyday activities.
Other travel protections for cardholders include loss and damage insurance for car rentals, emergency assistance services, and trip delay insurance. Many comprehensive travel insurance plans and some premium travel credit cards offer trip interruption insurance. Other travel insurance benefits include main rental vehicle coverage, baggage delay insurance, trip delay reimbursement, and travel and emergency assistance services. Both types of optional coverage will make your travel insurance policy more expensive, but CFAR and IFAR insurance can provide you with peace of mind if you're not sure that your trip will take place and you want to have at least part of the prepaid expenses on hotels and return airline tickets if you decide to stay at home.
Whether you take out travel insurance through a policy you purchase or through a travel credit card, you've probably noticed that most plans include a trip cancellation and interruption insurance benefit.