What is Trip Cancellation Protection?

AXA Travel Protection trip cancellation coverage can offer reimbursement to travelers who are compelled to cancel their trips due to unforeseen events before their trip departure. This coverage extends to various scenarios, each covered under specific conditions.  

 Let's explore these situations and understand the invaluable protection they provide below:

Trip Cancellation Qualifications

1. Health-Related Cancellations: If you, as a traveler, experience sickness, accidental injury, or face a tragic event resulting in death or a certified physician deems it necessary to impose medical restrictions preventing your participation in the trip due to the reasons above, this coverage comes to your aid.  

 Crucially, a physician must advise trip cancellation on or before the scheduled departure date. 

2. Family and Travel Companion Health: This coverage also applies if a family member or traveling companion booked to join you on the trip falls ill, sustains accidental injuries, and requires necessary medical treatment, leading to the cancellation of your trip. 

3. Non-Traveling Family Member: In unfortunate circumstances where a non-traveling family member experiences sickness, accidental injury or death, this coverage can offer coverage. 

4. Host at Destination: If the host at your trip's destination passes away or is hospitalized within 30 days of your trip's date, this coverage can apply. 

5. Employment-Related Cancellations: Employment-related issues, such as termination or layoff from full-time employment after one year of continuous service through no fault during your trip, are covered. 

6. Employment Transfer: If your employment requires a transfer of 250 miles or more, and the transfer necessitates relocating your home, this coverage applies. 

7. Military Duty: If a previously approved military leave is revoked or a military reassignment during the trip, this coverage offers coverage. It excludes incidents related to war. 

8. Natural Disasters and Weather: Unforeseen weather conditions, leading to the complete cessation of services for at least 48 consecutive hours by your common carrier or a natural disaster at your destination rendering accommodations uninhabitable make you eligible for coverage. Notably, this coverage does not apply if the natural disaster has been forecasted or a storm has been named before purchasing the policy. 

9. Terrorism: A terrorist incident occurring in your departure city, or a city listed on your trip itinerary within 30 days before your scheduled departure date qualifies for coverage. It is important to note that benefits are not provided if the travel supplier offers a substitute itinerary. This excludes flight connections and other transportation arrangements to reach your destination. Your departure date must be at most 15 months beyond your effective date. Incidents on in-flight aircraft are not covered. 

10. Assault and Other Incidents: If you or your traveling companion are victims of felonious assault, experience hijacking, quarantine, jury duty, subpoena, or if your home becomes uninhabitable due to a natural disaster or burglary within ten days before your departure, this coverage applies. 

11. Traffic Accident: A direct involvement in a traffic accident en route to departure, substantiated by a police report provided to AXA, is a valid reason for trip cancellation coverage. 

12. Travel Supplier Default: The coverage extends to cases of bankruptcy or default of a travel supplier, leading to a cessation of travel services. Benefits will be paid due to bankruptcy or default of an airline only if no alternative transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow you to transfer to another airline to reach your intended destination. This benefit only applies if your scheduled departure date is no more than 15 months beyond your policy's effective date. 

13. Common Carrier Strike: In the event of a strike by the common carrier with whom you or your traveling companion are scheduled to travel, resulting in complete cessation of services for at least forty-eight (48) consecutive hours, this coverage comes into play. 

Exclusive to Platinum Policy Holders 

 1. Business Disruption: In cases where your or your traveling companion's company becomes unsuitable for business due to fire, flood, burglary, vandalism, or other natural disasters, and you are responsible for policy and decision-making within the company and are actively involved in disaster recovery, this coverage is here for support. 

2. Required Work: If you or your traveling companion are required to work during the trip, substantiated by a notarized statement from an officer of the employer, this benefit provides coverage. It is unavailable to independent contractors, temporary employees, self-employed individuals, or company owners or partners. 

3. Company Events: If your or your traveling companion's company is directly involved in a merger, acquisition, government-required product recall, bankruptcy or default proceedings, and you are an active employee directly involved in said event, you are eligible for coverage. 

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:

Silver

Maximum Benefit: 100% of Insured Trip Cost
Airline Reissue or Cancelation Fees: $100

Gold

Maximum Benefit: 100% of Insured Trip Cost
Airline Reissue or Cancelation Fees: $100

Platinum

Maximum Benefit: 100% of Insured Trip Cost
Airline Reissue or Cancelation Fees: $100
Reinstate Frequent Traveler Awards: $200

Explore our Silver, Gold, and Platinum plans.

 
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

Trip Cancellation Insurance FAQs
 

What types of vacations does Trip Cancellation apply to?

Trip Cancellation is applied to any vacation. Whether you are going on a cruise, tour destination, flight, domestic travel, or international travel, Trip Cancellation coverage is applied.

 
When does Trip Cancellation Coverage begin?

Two things must occur before coverage can begin:
Trip Cancellation Coverage begins when a specific travel package has been selected, and Trip Cancellation coverage begins on the day after the authorized representative receives the required premium for such coverage.

When does Trip Cancellation Coverage end?

Trip Cancellation Coverage will end if any of the following occurs:
•    When you depart for your trip on the scheduled departure time on the scheduled departure date or
•    The date and time you cancel your trip, or Two (2) days prior to the scheduled departure time on the scheduled departure date of your trip.
 

How to get a Travel Protection Quote

Receive a free quote within minutes
Or call us at 855-327-1441 to speak with our licensed Travel Insurance Advisors.
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