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Trip Cancellation -
A. Having to cancel your trip due to illness, death, or injury

View Description of Coverage Excerpt
The Insurer will reimburse the Insured, as described below, if a Trip is canceled or interrupted for the Insured due to any of the following Unforeseen circumstances:
  1. Sickness, Injury, or death of an Insured, Immediate Family Member, Traveling Companion, or Business Partner. Injury or Sickness must be so disabling as to reasonably cause a Trip to be canceled or interrupted;
  2. Inclement Weather causing delay or cancellation of travel;
  3. Strike resulting in complete cessation of travel services at the point of departure or Destination. A Strike is foreseeable on the date labor union members vote to approve a Strike and is not covered under the policy;
  4. the Insured’s principal residence or Destination being made Uninhabitable by fire, flood, or similar Natural Disaster, vandalism, or burglary;
  5. the Insured or a Traveling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;
  6. a Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival. "City" means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas, or airspace;
  7. Financial Default of an airline, cruise line, or tour operator resulting in the complete cessation of services. Financial Default occurring on or before the Insured’s coverage effective date or less than fourteen days after the Insured’s coverage effective date will not be covered. This coverage applies only if insurance was purchased within fifteen calendar days of Initial Trip payment. (Day one is the date the initial Trip payment is received.);
  8. the Insured or Traveling Companion being called into active military service or having leave revoked or being reassigned;
  9. Termination of employment or layoff affecting the Insured or his/her Traveling Companion; must have been with the same employer for at least five continuous years;
  10. the Insured or a Traveling Companion being the victim of a Felonious Assault within 10 days prior to his/her departure date; or
  11. being involved in or delayed due to a traffic accident en route to departure.


Coverage can vary by plan. Please see plan's Description of Coverage for eligibility and limits.
View more coverage descriptions

Questions about Winter Storms & Travel Insurance?

If my airport is closed due to a severe winter storm, and my vacation is delayed, will I be reimbursed?
Yes, for a covered severe winter storm travel insurance can help cover the expenses incurred if your trip is delayed and could cover reasonable, additional accommodations and travel expenses until travel becomes possible.

How can travel insurance cover my vacation investment in the event of severe winter weather?
In the event of a covered severe winter storm, travel insurance provides coverage under the Trip Cancellation and Interruption benefit. If your trip is cancelled for a covered reason, we will refund the pre-paid, forfeited, non-refundable trip costs trip up to the limit of coverage.

How else can travel insurance help me when my flight is cancelled or delayed due to winter storms?
Most insurance plans available through Travel Guard come with valuable assistance services. This means if your flight is delayed or cancelled due to severe winter weather, we will work with the airlines on your behalf to book a new flight and get you where you need to be.

If a severe winter weather warning or watch is issued that may impact my travel plans, up to what point can I still purchase travel insurance?
Insurance must be purchased 24 hours prior to when the severe winter storm warning or watch is issued. Once the severe winter weather warning or watch has been forecast, Trip Cancellation and Interruption losses resulting from the winter storm are excluded from the coverage of the policy.

Severe Winter Weather Resources


Certain restrictions apply.
Questions?Call us at 1.800.826.4919
*Non insurance services are provided by Travel Guard.
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This is only a brief description of the coverage(s) available under policy series T30337NUFIC.
The Policy will contain reductions, limitations, exclusions and termination provisions. Full details of coverage are contained in the Policy. If there is any conflict between the contents of this document and the Policy, the Policy will govern in all cases. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 18th Floor, New York, NY 10038. Is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.
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Travel Guard travel insurance plans include travel insurance & assistance that travels with you.

Coverages may include: Trip cancellation due to terrorism & other named unforeseen events, trip delay, lost baggage, medical emergency, & others. Purchase online for immediate coverage.

Certain coverages are subject to purchase requirements.
See each coverage for details.