What is Trip Interruption and Cancellation Insurance?

Travel plans can change in an instant, whether due to a medical emergency, a family crisis, or sudden travel disruptions. That is where trip interruption and cancellation insurance becomes essential. This coverage protects you from losing money spent on prepaid, non-refundable bookings when your journey is cancelled before departure or cut short midway for covered reasons. Instead of bearing unexpected financial losses, you receive reimbursement for eligible expenses.

Choosing travel insurance with trip interruption and cancellation coverage allows you to plan confidently, knowing your travel investment is protected against unforeseen events.

What is Covered in Trip Interruption and Cancellation Insurance?

The trip cancellation coverage in a travel insurance plan depends on the circumstances that caused the policyholder to cancel their trip. If the reason aligns with the policy conditions of the insurance provider, they will provide compensation for non-refundable bookings. Here are some common reasons that are covered under this insurance plan:

1. Unexpected medical emergencies of the policyholder.
2. Ailment or death of the insurer’s immediate family member (immediate family member)
3. Natural calamities in the visitor’s country or in the destination they are about to visit.
4. Terrorist attack or political tension at the travel destination.
5. Theft of a passport or travel ticket.
6. Loss or theft of check-in baggage or personal belongings.

Purchase the international travel insurance plan of Bajaj General Insurance to get all of these coverage benefits in case your international or domestic trip is cancelled or interrupted.

Key Exclusions in Trip Interruption and Cancellation Insurance

There are a few instances where you would not get the coverage benefits in travel insurance for cancelled trips,

1. Trip cancellation due to pre-existing medical conditions.
2. Medical emergencies arising due to self-inflicted injuries and accidents.
3. Cancellation as a result of a legal notice.
4. Last-minute cancellation for situations, such as pregnancy or childbirth.
5. Travelling against the advice of a healthcare provider.

How Does Travel Interruption and Cancellation Insurance Work?

Now that you have an idea about the primary inclusions and exclusions in a trip interruption and cancellation coverage, let us find out how it works:

Before Your Trip

When a policyholders cancel a trip due to some unexpected medical emergencies or natural calamities, a travel insurance plan reimburses the non-refundable expenses. The expenses basically include the flight tickets and hotel booking costs.

During Your Trip

There can be some instances which might delay or disrupt a policyholder’s travel plans. For instance, the airline delays the flight due to bad weather or loss of baggage and valuable belongings, such as a passport, during travel. In these circumstances, a trip cancellation coverage compensates for the additional cost of meals and accommodation, along with the non-refundable expenses.

Why Do You Need Travel Insurance Trip Cancellation?

The section below outlines the reasons that make travel interruption insurance a smart investment before planning a trip.

Financial Assistance

Trips can be extremely costly. Especially during international travel with a visa, flight ticket, and hotel bookings, the expenses can run into lakhs. However, with the trip interruption and cancellation coverage, you will receive compensation for the non-refundable expenses, ensuring financial assistance.

Stress-free Travelling with Family

Travel cancellation plan becomes incredibly essential when travelling with family, particularly with elders and kids. No matter how careful you are, an unexpected risk always comes without notice. Therefore, if you have to stay longer or return midway due to a medical emergency or other specific disruption, you will be compensated for accommodation costs and other non-refundable expenses.

Lost and Theft Protection

Trip cancellations or disruptions due to loss or theft of baggage, as well as valuable belongings like passports, are compensated under the travel interruption and cancellation insurance.

Provides Peace of Mind

Knowing your trip is financially secured from inevitable situations such as natural calamities and sudden medical emergencies will help you plan your trips without any stress. This way, any last-minute trip cancellations can create a financial void.

Why Should You Choose Bajaj General Insurance for Trip Cancellation Coverage?

If you are planning to buy trip interruption and cancellation insurance, discover the reason why Bajaj General Insurance stands tall among other insurance providers in India.

Cancellation Coverage for Every Traveller

Whether you are travelling solo or with family, our travel insurance plan compensates for trip cancellations due to any medical or personal emergency. This clause applies to both our domestic and international travel plans.

Easy Claim and Renewal Process

The renewal and claim process for trip interruption and cancellation insurance is completely digital and quick under Bajaj General Insurance. You can raise a claim and apply for the renewal of a travel insurance policy from our official website or via our Caringly Yours app in just a few easy steps. 

Zero Paperwork

You do not have to go through the hassle of dealing with complicated paperwork while purchasing our travel insurance plan with trip delay insurance coverage. By filling in the necessary details online, you can easily purchase it within a minute.

24/7 Global Assistance

We always ensure you have round-the-clock support globally under our travel insurance plan. In case of any medical emergency or trip disruptions, contact us at our toll-free number or email us at careforyou@bajajgeneral.com.

Final Words

Trip interruption and cancellation insurance can help you deal with the uncertainties in your journey without financial stress. Whether you cancel your trip due to a medical emergency or face travel disruption due to flight cancellation, it ensures you have complete peace of mind.

So, if you have not purchased any travel insurance plan yet or are planning to buy one, contact Bajaj General Insurance to get a wide trip cancellation coverage with a reasonable premium.

Frequently Asked Questions

Is trip cancellation covered in an international travel insurance plan?

Yes, trip cancellation coverage is a crucial part of most international travel and domestic insurance plans. However, to get the coverage benefits, your trip cancellation reason must be included in the policy terms of your insurer.

Can I extend my trip interruption and cancellation insurance?

Yes, most trip interruption and cancellation insurance allows you to extend your trip. However, the reason must be reliable, such as a medical emergency or weather disruptions. Otherwise, you won’t be able to get the policy benefits. 

Is trip cancellation insurance mandatory for foreign travel?

No, a trip cancellation insurance coverage is not mandatory for all foreign travel. However, if you are travelling to one of the 26 Schengen Area including France or the Netherlands, travel insurance is a mandatory requirement to get a visa.

When should I purchase trip cancellation insurance?

The ideal time to buy trip cancellation insurance is immediately after making your first non-refundable travel booking, such as flights or hotels. This way, you can get the earliest and most comprehensive protection.

How can I file a claim for trip interruption and cancellation insurance?

To file a trip interruption or cancellation claim, contact your insurer immediately. Moreover, you should gather documents such as airline receipts and medical proof to complete the claim. You can raise a claim online from your insurer’s official website or via their dedicated app by filling in the necessary details accordingly.

*Standard T&C Apply

**Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.

***Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.