How Does Your Travel Insurance Respond to Unexpected Changes in Your Holiday Plans?

Close up of travel insurance form

Many people may not invest in a travel insurance plan; even if they do, the coverage may not be sufficient. Although we want our trip to be without any interruptions or unfortunate events, investing in a travel insurance plan is still not very common. Many people ignore the value it provides against a small premium.

Whether you are travelling with your family or going on a business trip, insurance is important. When on an official trip, business travel insurance can safeguard you against unforeseen events leading to financial issues, while on the trip. 

To get more clarity, let us understand how travel cover responds to unexpected changes in your holiday plan.

  Know Your Travel Insurance Policy 

Knowing your travel insurance policy well is essential. Basically, before you make a purchase decision, it is imperative to understand your policy in terms of trip insurance coverage, exclusions, pricing and other additional features that the provider of your plan offers. The more you learn about your policy, the lesser the chances of your claims getting rejected. 

So, it is best to go through your holiday travel insurance even before purchase. As mentioned earlier, it will give you a better idea about all inclusions and exclusions of your policy. So, in case of an emergency, you will know exactly whether your policy offers trip cancellation insurance coverage.

What are the Benefits of Trip Cancellation or Trip Interruption Insurance?

It is essential to understand that every policy comes with different kinds of coverage; therefore, it is imperative to know your travel insurance policy.

 Benefits of Travel Insurance For Complete Trip Cancellation</h3?

Cancelling a well-planned trip can be heartbreaking and frustrating as you not only have to deal with disappointments of your plan, but there is also the financial stress of cancellation. The closer you get to the date of the trip, the higher the fees and lower the refund you can apply for.

It is expected that you reach out to your travel and accommodation providers as soon as you realise you are going for cancellation, ideally at least days before the day of your trip.

But when you have a trip cancellation insurance policy, you get complete coverage for the cancellation fee, which may include flight cancellations, advance payments towards hotel books or booking fees for travel plans without stressing about the financial burden. This may further help you adjust to unexpected changes to your plans. It is always recommended to learn the terms and the coverage offered by the insurance company under their trip cancellation coverage.

 Benefits of Travel Insurance For Ongoing Trip Cancellation

There may be chances that you face an emergency during your ongoing trip. Again, a  travel insurance policy can act as your lifesaver. You can face any unexpected situation, such as a medical emergency, natural disaster, extreme weather, unexpected death of a family member, or some political unrest at your destination.

Based on your trip insurance coverage, you get your reimbursement for financial obligations against unforeseen events, which may also include expenses for returning home from your destination.

 Things You Need to Do for Cancelling Your Trip 

Following is the process of trip Cancellation:


  • You need to call the 24×7 customer care support helpline 
  • They will guide you through the whole process of filing your claim and acquiring the required supporting documents.
  •  Most processes are done online. 
  • After your claim has been assessed and determined, the insurance provider will reimburse your amount.



When you go on a planned trip, any unexpected changes in your holiday plans may put you off gear. This is where travel insurance can come to your rescue. Be it last moment cancellation or trip curtailment, travel insurance from a reputed provider gets you covered for financial losses incurred during such situations. So, get yourself a travel cover for your next trip and travel worry-free.

Frequently Asked Questions

  • Does travel insurance cover a change of plans?

Yes, travel insurance covers a change of plans, whether they are before your travel or while you are on the trip.

  • Does your travel insurance policy cover if you have to cancel your trip?

Yes, travel insurance provides coverage if you have to cancel the trip, but you need to read the policy for circumstances covered under which you can do that as it may differ as per the insurance company.

  • What is a covered reason for trip cancellation? 

Usually covered reasons for trip cancellation include medical emergencies, natural disasters, extreme weather, unexpected death of a family member, or some political unrest at your destination.

Robert Conrad
the authorRobert Conrad