Fall has arrived and as the days get cooler, we’re getting pumped for winter travel! Whether it’s a lazy beach vacay or a mountain top adventure, anticipating an upcoming vacation is always part of the fun. When you’ve invested your money, time and energy into planning the trip of a lifetime, the last thing you want to think about is what could go wrong.

But what if you do end up getting sick, losing your job or having a natural disaster occur before you’re scheduled to leave? That’s what Trip Cancellation & Trip Interruption Insurance is for! It’ll protect your travel investment in many instances. Read on to see what Trip Cancellation & Trip Interruption Insurance is all about.

Why do I need Trip Cancellation & Trip Interruption Insurance?

Travel is often expensive and sometimes life gets in the way of even the best laid plans. If you or a loved one gets sick before your trip, a natural disaster at your destination causes the government to issue a travel advisory to avoid non-essential or all travel, or your airline cancels a flight, you can relax knowing you’re covered.

If you have to cancel your trip before you’re scheduled to leave, or your trip is interrupted while you’re on vacation, then a Trip Cancellation & Trip Interruption policy can cover non-refundable costs like airfares, hotels and tours. Great for Canadian residents or visitors to Canada, this insurance is available as a Single Trip or Multi Trip Annual policy.

Hand holding mobile phone with cancelled flight on screen
If your flight is cancelled or your trip is interrupted, you’ll want to be prepared.

Keep in mind, there are a few things Trip Cancellation & Trip Interruption Insurance won’t cover, like cancellations for reasons you knew about before booking a trip, sickness within a set time of buying the policy, or a change of mind.

At TuGo, we offer Trip Interruption as a standalone product, but Trip Cancellation comes bundled with Interruption Insurance automatically. If you’re under 59, and looking for even more comprehensive coverage, consider an All Inclusive Holiday Package. It includes Emergency Medical Insurance, as well as Trip Cancellation & Trip Interruption, Accidental Death and Dismemberment, and Baggage Insurance.

What does TuGo’s Trip Cancellation & Trip Interruption Insurance cover?

CoverageTuGo Travel Insurance
You or your travelling companion’s unexpected sickness, injury and/or death
Natural disaster or unforeseeable event that makes your home or business unlivable
Travel advisory
Travel visa denial
Job loss
A cancelled flight or missed connection due to weather
A schedule change that causes a missed connection
A cancelled business meeting at your final destination, out of your control
Pregnancy complications, occurring within the first 31 weeks

This is a basic breakdown of what TuGo covers, but also make sure to check your policy for a complete list of benefits and exclusions. Still not sure? We’ve got a helpful blog post all about how to understand your travel insurance policy.

What’s the difference between Trip Cancellation & Trip Interruption Insurance and how do they work?

Trip Cancellation Insurance—some real-life examples

Trip Cancellation covers the cost of a trip if something happens before your departure date, causing you to cancel your trip. For example, if you or your travel companion get sick or injured before a trip, Trip Cancellation should cover it. This insurance could even cover your trip if a member of your or your travel companion’s immediate family get sick or injured.

Trip Cancellation Insurance might also cover non-medical related events including natural disasters or a job loss. For example, if you or your spouse lose your job, or a business meeting at your destination gets cancelled, your Trip Cancellation policy should cover you. 

Woman cancels trip after contracting mono

Bianca booked an all-inclusive 7-day trip to Costa Rica after graduation. Just over a week before her trip, she started to experience increasing fatigue. She also had a sore throat and swollen glands. Bianca’s parents took her to the doctor where she was diagnosed with mononucleosis and advised to cancel her upcoming travels.

Pre-paid travel and accommodation  .…………………………….………….    $3,750.00

Amount paid by TuGo ………………………………………………….………….   $3,750.00 

Elderly couple cancels trip due to fractured hip

Ida and Sidney purchased a Mediterranean cruise package with optional city tours. Their flights were redeemed from mileage points at no cost, but they also booked several nights’ accommodation before and after the cruise. A week before their vacation, Sidney slipped and fell on an icy driveway, fracturing his hip. Because his injury happened so close to their departure date, the travel agency was unable to refund them for their cancelled trip.

Pre-paid cruise ….………………………………………………………………….…    $10,198.00

Pre and post-cruise accommodation plus tour ……………..….……….  $3,160.88

Optional Tours …………………..……………………..………..…………….…….     $800.00

Amount paid by TuGo ………………………………………………….…………..      $14,158.88 

Trip Interruption Insurance—some real-life examples

Trip Interruption covers events that happen on or after you’ve started your trip causing you to disrupt or interrupt your trip, or to return earlier or later than your original return date.

For example, it protects your travel investment if one of your flights is delayed. While delays are a pain, knowing that costs like the following should be reimbursed by your travel insurance policy, can reduce the sting:

  • Accommodation
  • Meals
  • Internet service
  • Cabs
Lone man waits for flight in airport
Waiting for a delayed flight puts a damper on any trip.

While we can’t prevent delays from happening, we’ve got some tips to help you avoid missing connecting flights.

Backpacker decides to cut trip short after scooter accident 

Hannah was backpacking throughout Thailand and Cambodia for several months. She was on her way back to her hostel on a motorized scooter, when she hit a cow that ran across the road. Hannah suffered multiple abrasions on her face and hands, a fractured arm and a mild concussion from the accident. Because of her injuries, a doctor advised her to cut her tour short and she returned to Canada earlier than anticipated.

Return trip to Canada ..…………………………………………………………..       $1,708.00

Amount paid by TuGo ………………………………………………….………..        $1,708.00

Business trip delayed by bad weather

Rupert was flying to New York on a business trip but missed his connecting flight due to severe winter weather. Because all flights were grounded, the airline paid for a night’s accommodation and Rupert was told to try again in the morning. After spending several hours at the airport trying to catch a flight to JFK, he was finally able to find a new ticket on a different airline.

Flight to New York (new ticket) ….……………………………………………         $747.74

Pre-paid accommodation (unused) ….……………………………………          $280.00

Meals …..……………………………..…………………..………..…………….……           $79.80

Amount paid by TuGo ……………………………………………………………          $1,107.54

5 tips to make the most of your Trip Cancellation & Trip Interruption claim

Hopefully, you won’t need to make a claim; but just in case you do, here are a few tips to help make the process faster!

1. See a doctor before cancelling/interrupting your trip

If you need to cancel or interrupt your trip due to sickness or injury, see a doctor before you do it. If you can’t make it to your family doctor, a nearby clinic will do. Your doctor will need to provide written documentation confirming that it was medically necessary to cancel or interrupt your trip. This should also include the date you were advised to cancel. Keep in mind that this service may not be covered under your provincial health plan; be prepared to pay for the doctor’s note.

2. Cancel all airline credits

If the airline has given you a travel credit, you’ll need to cancel that credit for the unused airline ticket to be covered.

3. Provide documentation for reasons and expenses

You’ll need to clearly outline all the expenses you’re claiming and gather all original receipts and itemized bills.

4. Show proof of refunds

If you’ve received any refunds from your travel agent, the airline, the hotel or tour company, you’ll need to provide proof of that as well.

5. Travel paid for with points is not covered

Travel paid for with points is not covered. The policies will cover fees for the points to be reinstated when possible, but the actual cash value of points is not covered.

Looking for more claims tips? Check out our blog post: Claims Tips for Travellers.

So that’s the skinny on Trip Cancellation & Trip Interruption. Now back to planning that trip! If you have any questions, feel free to ask below.

Safe travels,

Sarah

  • Brian

    Having experienced trip interruption in Australia due to flooding, and having purchased trip interruption insurance, I am completely frustrated with concluding my claim. Since we purchased an Australian and New Zealand package together, we paid for both in ‘bulk’, if you like. With 9 of the 24 days wiped out, the insurer offered to cover the portions of the itinerary affected. The travel REFUSED to break it down!! I have been compensated somewhat, but believe it is insufficient, as I cannot identify what MY costs were.

    • Sarah

      Hi Brian,

      Thanks for sharing your experience. We’re sorry you haven’t been able to get the information you requested from your travel agent/insurance provider, but glad to hear you were partially compensated for your trip!

      We hope you can find a travel agent/insurance provider that is easier to communicate with. 🙂