Travelers may have been planning their dream vacation for years, or even a lifetime, but as many people know, life can be very unpredictable. However, travelers should not be held accountable for unforeseen issues, especially those that are work related. This is why customers are extended the option to purchase “Cancel for work reasons,” insurance coverage. This is an optional upgrade that travelers can add to their plan, expanding the permitted types of trip cancellation reasons.
If a traveler purchases this type of insurance, they may receive reimbursement for pre-paid travel costs, if their trip is canceled due to a covered work-related reason -- along with other reasons that are covered under their policy. Covered reasons will vary by each provider, and each policy. Coverage can be purchased directly from this website, but travelers should always compare policies in order to choose the coverage that suits them the best.
Work Related Issues
Although every policy will vary, depending on the insurance provider, there are some basic guidelines that generally apply to all providers. However, travelers should always contact the provider with any questions pertaining to their policy. It is necessary for travelers to understand all of the benefits and regulations pertaining to the policy that they intend to purchase.
Most travel insurance providers will have the benefit associated with work-related cancellations listed under the “Cancel for any reasons” section of the policy; however, many providers have a “Cancel for work reasons” section as well. Before a traveler purchases this coverage, they will need to know what reasons qualify, such as:
• Employment relocation
• Termination from job
• Vacation being denied
• Being required to work due to schedule changes
• Place of business is rendered unsuitable due to various reasons, such as a natural disaster that requires the traveler to come into work
• Traveler being called into work because she is involved in a work merger, legal proceeding, product recall, or acquisition
• Amongst other work-related issues
What Does the Benefit Cover?
Just because a benefit is covered under the policy does not mean it will be satisfactory to the traveler; this is why he or she will need to thoroughly understand the coverage in its entirety. Travelers should verify:
• If the benefit provides a 100% reimbursement
• What non-refundable costs are included and excluded under the policy
• How many days the trip needs to be purchased within for a traveler to cancel under the policy?
Before purchasing trip cancellation insurance, travelers should always compare the list of reasons that the policy accepts for trip interruption, or trip cancellation. Vacations are often planned well in advance, but work could get in the way at the last minute. Many providers have a provision for canceling trips for work-related reasons that can be purchased on this site; however, to prevent themselves from losing all or some of their non-refundable costs, travelers should contact the insurance provider directly with any questions or concerns.