What is Trip Cancellation Protection?
Trip Cancellation refers to the act of canceling a previously booked and scheduled trip due to unforeseen eligible circumstances such as sickness, weather conditions, personal emergencies, or travel warnings.
Trip Cancellation Qualifications
1. Sickness, accidental injury, or death that results in medically imposed restrictions as certified by a physician during your trip, preventing your continued participation in the trip. A physician must advise to cancel the trip on or before the scheduled return date.
2. Sickness, accidental injury, or death of a family member or traveling companion booked to travel with you that results in medically imposed restrictions as certified by a physician that causes your trip to be canceled.
3. Sickness, accidental injury, or death of a non-traveling family member.
4. The death or hospitalization of your host at the destination within thirty (30) days of the date of your trip departure.
5. If you are terminated or laid off from your full-time employment by your company through no fault of your own one (1) year or more after starting employment during your trip.
6. You transfer your employment more than 250 miles from home. The transfer must require your home to be relocated.
7. If you or your traveling companion had a previously approved military leave revoked or experienced a military reassignment.
8. If you, your traveling companion or a family member who is military personnel is called to provide aid or relief in the event of a natural disaster (excluding war).
9. Severe weather causes the complete cessation of services for at least 48 consecutive hours of the common carrier (e.g., airline), preventing you from reaching your destination. Note: This benefit does not apply if the natural disaster was predicted or a storm was named before you purchased this policy.
10. If a natural disaster at your destination renders your accommodations uninhabitable. note: This benefit will not apply if the natural disaster has been forecasted or a storm was named before you purchased this policy.
11. If a terrorist incident occurs in your departure city or a city listed on your trip itinerary within thirty (30) days prior to your scheduled departure date
Note: Benefit is not provided if the travel supplier offers a substitute itinerary.
This does not cover flight connections or transportation arrangements to reach your destination. The scheduled departure date must be within 15 months from your policy's effective date. Terrorist incidents that occur on an in-flight aircraft are not covered.
12. If you or your traveling companion are victims of a felonious assault during the trip.
13. If you or your traveling companion are hijacked, quarantined, required to serve on a jury, or subpoenaed within ten (10) days of departure; if your home is made uninhabitable by a natural disaster, or if you experience a burglary at your home within ten (10) days of departure.
14. You or Your Traveling Companion are directly involved in a traffic accident while en route to depart for your trip
Note: This must be substantiated by a police report obtained by you and presented along with other claim forms and documentation.
15. If a travel supplier goes bankrupt or defaults, resulting in a complete halt of their services and occurs more than ten (10) days from the effective date of travel policy. However, these benefits will only be provided if there is no other transportation option available. If there is an alternative way to reach your destination, the benefits will be limited to covering the change fee required to transfer to another airline.
Note: This coverage applies only if your scheduled departure date is within 15 months from the start date of your insurance policy.
16. Strike that causes complete cessation of services of the common carrier affecting you or your traveling companion who is scheduled to travel.
note: Strike must last for at least forty-eight (48) consecutive hours.
Exclusive to Platinum Policy Holders
17. You or your traveling companion is required to work during the trip. Proof of requirement to work, such as a notarized statement signed by an officer of your or your Traveling Companion’s employer, must be presented.
note: This benefit is not available to independent contractors, temporary employees, or self-employed individuals, or if you or your traveling companion are a company owner or partner.
18. Your or your traveling companion’s company is directly involved in a merger, acquisition, government-required product recall, Bankruptcy, or Default proceedings.
Note: You or your traveling companion must be an active company employee and be directly involved in said event.
Is Trip Cancellation coverage necessary?
Whether Trip Cancellation coverage is necessary depends on the individual circumstances and needs. Some people need to cancel their trip due to unexpected events such as sickness, work emergencies, or changes in personal plans.
In general, having a Trip Cancellation is a personal decision that should be based on the traveler's specific needs and circumstances. It's a good idea to consider Trip Cancellation coverage, especially if the trip involves a significant investment of time and resources.
Get a free Travel Insurance quote today to ease your mind before and during your trip.
Do I need Trip Cancellation coverage?
Having Trip Cancellation coverage is a clever idea. It offers coverage and assistance for multiple reasons. All three of AXA’s travel plans include Trip Cancellation, maximum coverage per person up to:
Maximum Benefit: 100% of Insured Trip Cost
Airline Reissue or Cancelation Fees: $100
Maximum Benefit: 100% of Insured Trip Cost
Airline Reissue or Cancelation Fees: $100
Maximum Benefit: 100% of Insured Trip Cost
Airline Reissue or Cancelation Fees: $100
Reinstate Frequent Traveler Awards: $200
Why choose AXA Travel Protection?
With a presence in over 30 countries worldwide, AXA provides assistance with a wide range of features that include:
• Extensive knowledge of local health risks and medical facilities to respond swiftly in the event of a medical emergency
• 24/7 global team of travel experts that offers assistance and assurance while traveling
