While Trip Cancellation and Curtailment Coverage is a helpful safety net, there are times when it won't come to your rescue. Let's break down these situations:
Sometimes, you might have to chip in a bit. In the event of a trip cancellation or curtailment claim, there could be an excess amount you need to cover yourself, as mentioned in your summary of cover.
If you have health issues, or your policy explicitly excludes certain medical conditions, it could affect your trip cancellation or curtailment claim eligibility.
Unusual payment methods:
If you've paid for your travel expenses using frequent flyer points, loyalty card points, or vouchers, the coverage might not pay more than those expenses would typically cost.
Trip Cancellation and Curtailment Coverage may not kick in for:
Passport or visa problems: If you don't have the right passport or visa for your trip.
Carrier hiccups: If the airline or transport provider decides not to let you board for any reason.
Legal limitations: When the laws of a country or the folks in charge of enforcing those laws put the brakes on your travel.
Provider troubles: If the company running your transport or accommodation goes bankrupt.
Their fault, not yours: Anything that's the fault of your travel provider, conference organiser, or anyone acting on your behalf.
Car troubles: If your vehicle gets stolen or breaks down.
Change of heart: When you decide you don't want to travel or aren't having a good time, it's not for a serious reason.
Civil unrest: Events like riots, strikes, or civil disturbances.
Air travel exclusion: If you're on a private aircraft, your coverage may not apply.
Intentional actions: If you intentionally mess up your travel plans, like doing something reckless or illegal (unless it was to save someone's life).
Pets and animals: The sad passing of a pet or animal won't be covered.
Transport or vehicle withdrawal: If your booked transport, like a plane, train, or boat, gets taken out of service due to a government or authority order in any country.
If you don't tell your travel provider, their agents, or anyone helping you out as soon as you know you have to cancel, you might end up with extra charges that the coverage won't handle.
Money and jobs:
Financial troubles or unemployment typically won't be covered unless you find out about losing your job due to redundancy after you bought your policy or travel tickets (whichever came later).