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image of family on beach in CaribbeanIf you plan on taking a trip, sometimes things can get in the way of that. No one wants to have to cancel a vacation. But, sometimes circumstances happen beyond our control.

Trip cancellations can mean significant financial losses to those affected. Not only will you likely lose the cost of the trip, you might also lose any financial gains that may have come as a result.

If you have to cancel a trip, there are ways to reduce negative cost effects of the cancellation. Travel insurance is one of those methods. Careful preparation is another.

Travel Insurance for Cancellations

Travel insurance protects policyholders from a variety of financial risks associated with travel. Most travel policies cover instances of trip cancellation.

Cancellation insurance can reimburse you certain costs, depending on the policy. Policies usually cover non-refundable items, like airfare, hotels and other expenses.

Nonetheless, simply cancelling your trip is usually not grounds for a reimbursement. Travel insurance policies require most policyholders to provide verification that the reason for cancellation was beyond the traveler’s control.

Circumstances may include:

  • Injury, illness or death to the insured, family members and certain other acquaintances.
  • Weather damages that cause flight interruptions
  • Jury duty
  • Terrorist or natural disaster damages in the place you will visit
  • Changes in employment that no longer mandate travel
  • Carrier problems, such as if your airline or hotel provider ceases operations

Not every travel insurance policy covers every instance of cancellation. If you have concerns about a potential cancellation, talk to a travel insurance provider. He or she can issue a policy to cover risks you might face that interrupt travel.

Preparing for Cancellations

There are ways that you can work to reduce the risks of cancellations you might encounter on your trip. Doing so poses less of a risk to your travel insurance provider.

Sometimes, airlines issue travel warnings ahead of damaging weather or civil conflict. These are circumstances that are often beyond your control. If you expect developing problems to impact your travel, check with your airline. The airline may waive travel fees to help you re-book on an earlier or later flight. They may also offer reimbursement if circumstances mandate cancellation of your trip. You might be able to use travel insurance to pay for these trip adjustments.

Always use prudence when booking travel. Make sure that your personal affairs are stable enough to warrant travel now. If they aren’t it may be worthwhile not to travel.

Furthermore, use reliable carriers and make sure it is safe to travel to your destination. Unforeseen circumstances always arise, but you can reduce the chances of cancellation by looking ahead.

We’ve got you covered. Insurance Planning Service can help you get a Michigan travel insurance policy that meets your needs. Call us right now at (800) 220-5582.

Posted 9:56 PM

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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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Lighthouse Group Main Office in Grand Rapids, MI
Mailing Address | P.O. Box 530009, Livonia, MI 48153

Phone: 734.421.9900 | Toll Free: 800.220.5582 | Fax: 734.421.9911

Also serving these Detroit area communities in Michigan: Livonia, Farmington Hills, Ann Arbor, Southfield, Plymouth, Canton, Westland, Northville, Novi, Dearborn, South Lyon & Walled Lake