Travel medical coverage is typically secondary medical coverage for new illnesses and injuries that arise during your travel dates. Coverage should begin the day you leave your home country and end the day you arrive back in your home country. 

Trip cancellation coverage goes into effect the day you purchase the coverage for your trip and starts protecting your investment from that moment. Should you need to cancel for one of the approved cancellation reasons, a claim can be submitted in order to receive reimbursement for all non-refundable prepaid costs associated with your trip. Trip cancellation coverage also includes various amounts of travel medical coverage. 

There is a benefit called Cancel for Any Reason (CFAR) that can be added to some trip cancellation policies. This benefit must be purchased within 20 days of your initial trip deposit or the first payment for your trip (flights, hotel, etc).

If you do not purchase the CFAR benefit, there is a list of accepted cancellation, interruption, and delay reasons for each plan that allow for claim reimbursement. 

The Cancel For Any Reason (CFAR) benefit is not currently available for any plan with Israel as a destination.

Trip cancellation insurance can reimburse all non-refundable costs within your insured trip cost. If you purchased Cancel For Any Reason (CFAR) and need to cancel outside of the approved cancellation reasons, you are only eligible to be reimbursed up to 75% of your non-refundable trip cost.

In order to file a claim for reimbursement for cancellations, interruptions, or delays the traveler must first attempt to get a refund from all travel providers (tour companies, airlines, hotels, excursion companies, etc.). Please note that credits for airlines, hotels, etc. are considered refunds and will not be reimbursable under most trip cancellation plans. 

Some of the most common covered reasons are included below. Specific covered reasons are determined by the plan you choose and subject to the discretion of the carrier.

• Sickness, Injury, or Death of you, a family member, or traveling companion
• Pregnancy Complications 
• Financial Insolvency or Default of Travel Supplier
• Traffic Accident en Route to Departure
• Common Carrier Mechanical Breakdown
• Natural Disaster Evacuation at Departure City or Destination 
• Strike 
• Inclement Weather 
• Primary Residence or Destination Accommodations Uninhabitable
• Hurricane Warning or Watch
• Hijack/Quarantine
• Subpoena/Court Order/Jury Duty/Witness
• Military Duty for Natural Disaster
• Military Leave Revoked or Reassigned 
• Host Unable to Provide Accommodations
• Terrorist Incident 
• Passport, Visa, or Travel Document Theft 
• Felonious Assault
• Involuntary Employment Transfer 
• Terminated or Laid Off from Employment

There is a 10-day free look period from the purchase date on all trip cancellation plans. Any policy cancellation for a premium refund would need to happen within that 10-day window. If you are outside of the 10-day window and cannot file a claim, some carriers will give travelers the option to move the dates of your trip cancellation coverage. This would allow you to plan a new trip to apply your coverage to.