What is Trip Interruption?

Trip Interruption offers coverage if a trip is disrupted or cut short due to unforeseen circumstances such as sicknesses, severe weather conditions, or other eligible events that are out of the traveler's control. Trip Interruption Coverage typically covers expenses such as the cost of additional transportation, accommodation, and other expenses incurred because of the interruption. The exact coverage and benefits vary depending on the insurance policy.

Is Trip Interruption necessary?

Whether Trip Interruption insurance is necessary or not depends on several factors, including the type of trip you're taking, the cost of the trip, and your personal risk tolerance. The Trip Interruption benefit can provide coverage for unexpected events such as sickness, weather-related cancellations, and other eligible events that can cause you to interrupt your trip.

Trip Interruption also allows travelers to rejoin their trip after an interruption has occurred.

In general, having a trip interruption is a personal decision that should be based on the traveler's specific needs and circumstances. However, it's always a good idea to consider trip interruption coverage, especially if the trip involves a significant investment of time and resources. This can help to protect against financial losses if the trip is interrupted for a covered reason.
 

What Qualifies as Trip Interruption
 

AXA Travel Protection coverage can provide travelers with coverage when they face situations that force them to interrupt their travel schedule. 

 Let us delve into these scenarios and benefits coverage: 

1. Health-Related Interruptions: If you, as a traveler, suffer from sickness, accidental injury, or face a tragic event leading to death or a certified physician deems it necessary to impose medical restrictions preventing your continued participation in the trip due to the reasons listed above, this coverage comes to your aid. A physician must advise trip cancellation on or before the scheduled return date. 

2. Family and Travel Companion Health: This coverage extends to the health of family members or traveling companions booked to join you on your trip. It applies if they fall ill or sustain accidental injuries while on the trip, requiring necessary treatment and imposing medically certified restrictions on their participation. 

3. Non-Traveling Family Member: In the unfortunate event of sickness, accidental injury, or death of a non-traveling family member, AXA Travel Protection's trip interruption coverage ensures you are covered. 

4. Host at Destination: If the host at your trip's destination faces death or hospitalization during your visit, you can rely on this coverage to assist you. 

5. Employment-Related Interruptions: 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 during your trip, provided you were employed with the transferring employer on your effective employment date, and the transfer necessitates relocating your home, this coverage applies. 

7. Business Disruption (Exclusive to Platinum Plan): If you 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, the coverage is valid. 

8. Required Work (Exclusive to Platinum Plan): 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. 

9. Company Events (Exclusive to Platinum Plan): Your or your traveling companion's company is directly involved in a merger, acquisition, government-required product recall, bankruptcy or default proceedings, and active involvement in the said event makes you eligible for coverage. 

10. Military Duty: If a previously approved military leave is revoked or a military reassignment during the trip, this coverage provides protection. It excludes war-related incidents. 

11. Weather and Natural Disasters: Inclement weather causing 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 can offer coverage. 

12. Terrorist Incidents: In the event of a terrorist incident occurring in your departure city or a city listed on your trip itinerary during your trip, you are covered. It is important to note that benefits are not provided if the travel supplier offers a substitute itinerary. 

13. 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 during the trip, this coverage applies. 

14. Traffic Accident: A direct involvement in a traffic accident while en route to departure, supported by a police report provided to AXA, is a valid reason for trip interruption coverage. 

15. Travel Supplier Default: The coverage extends to cases of bankruptcy or default of a travel supplier, leading to a cessation of travel services during your trip. If no alternate transportation is available, benefits are provided, and if alternate transportation is available, the coverage is limited to change fees to transfer to another airline. 

16. 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 48 consecutive hours, this coverage comes into play. 
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Do I need Trip Interruption coverage?

Having trip interruption coverage is a savvy idea. It offers coverage for multiple reasons to help you get your trip back on track.
All three of AXA’s travel plans include Trip Interruption coverage, maximum coverage per person is up to:
 

Silver

Maximum Benefit: 100% of Trip Cost
Reasonable Expenses Per Day: $100

Gold

Maximum Benefit: 150% of Trip Cost
Reasonable Expenses Per Day: $100
 

Platinum

Maximum Benefit: 150% of Trip Cost
Reasonable Expenses Per Day: $100

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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 Interruption Insurance FAQs

How much does Trip Interruption cost?

• Length of Stay
• Destination
• Type of Trip
• Number of Travelers
• Extent of Guarantees

What types of vacations does Trip Interruption apply to?

When does Trip Interruption coverage begin?

• Trip Interruption coverage begins when a specific travel package has been selected
• Trip Interruption coverage will begin on the day after the required premium for such coverage is received by the authorized representative

When does Trip Interruption coverage end?

• The scheduled return date as stated on the travel tickets
• The date and time you return to your origination point if prior to the scheduled return date
• The date and time you deviate from, leave, or change the original trip itinerary (unless due to unforeseen and unavoidable circumstances covered by the policy)
• If you extend the return date, coverage will terminate at 11:59 P.M., local time, at your location on the scheduled return date unless otherwise authorized by the Company in advance of the scheduled return date
• When your trip exceeds ninety (90) days
• The return date as stated on your purchase confirmation

How to get a Travel Protection Quote?

Disclaimer: It is important to note that the specifics of trip interruption will depend on the date of purchase and state of residency. Customers are advised to carefully review the terms and conditions of their policy and to contact AXA Partners with any questions or concerns they may have