Travelers can buy coverage that reimburses them for "prepaid, unused, non-refundable travel expenses should your trip be cancelled or interrupted due to any covered reason." Such reasons include: inclement weather, an unexpected illness, death of a traveler, and travel delays. The Insurance Information Network of California notes that trip insurance providers sometimes require a physician's verification if a trip must be canceled before it occurs. It advises buyers to check whether the travel coverage is "cancel for any reason protection," or more limited coverage.
Trip interruption insurance is another variation. It can provide reimbursement for extra food and lodging costs if a traveler becomes ill during the course of a trip. Some plans cover medical costs. Trip delay insurance covers expenses a traveler incurs in resuming a planned trip or returning home after being quarantined in another country. Often these various coverage options are bundled and sold together in a package.
Check with your Trusted Choice® independent insurance agent about what type of insurance protection might be needed if taking an overseas trip. Now go on, get out of here!