Trip Cancellation Insurance
|What kind of refund/coverage
can you expect?
What happens if you have to cancel your Caribbean trip because of illness, accident or something else unexpected? Even anotherthe swine flu or other health threat, such as MERS, SARS or bird flu.
Whether your price trip is refunded depends on the type trip cancellation/interruption insurance you purchased.
1) Basic Trip Cancellation (the most common type policy)
However, most basic policies do include being “quarantined” as a covered reason if you were forced to cancel your trip because you were enduring forced isolation, such as MERS does.
So, basic coverage is fairly useless for the mere “threat” of disease. At best, the benefits are limited. At worst, non-existent.
2) Cancel for Any Reason Insurance
To insure your trip, you must buy coverage for its full pre-paid price. Also, to cancel a trip for a reason that is “not otherwise covered” or in the list of “named perils” you must do so at least 2 to 3 days prior to departure.
If There Is Another Flu Outbreak
You should be covered by Cancel for Any Reason because the actual sickness would be eligible for benefits under the medical expense, trip cancellation, trip interruption, travel delay, or emergency evacuation coverage.
Unless the policy excludes that dreaded word, “Epidemic” and it could be proved you cancelled as the result of an “Epidemic”-- you would not be covered.
So, read the fine print and carefully compare the policies offered by different companies.