Trip Insurance help?

Travel insurance is roughly 7% of the cost of your total trip you want covered to cancel for listed reasons and 10-12% for unlisted reasons to get a portion back usually around 60%. So if you drive you don't need to cover your drive cost if you don't want, but if you fly you do.

What exactly would be cancelled and not refunded? If you go on a cruise, the cruise will either be cancelled and you refunded or given credit or it won't be cancelled and I don't see how an outbreak would be covered by travel insurance if nothing is canceled or plans aren't changed? You can get travel insurance to cover you if you want to cancel "just because", but that's much more expensive.

Read the fine print. I took out trip insurance on a flight to Tokyo. Come to find out, an epidemic is not covered. Wasn’t an issue at the time. But they were very clear in defining an epidemic.

Exclusions and coverage should be very easy to find. Just read.

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But to answer your question, unless your trip is officially canceled by the carrier or perhaps if the US Government issued a do not travel advisory for the area you are going, no way will insurance pay.

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Not quite true. In my case, Air Canada is offering exceptions to certain locations during certain dates. You can cancel for a full refund regardless if you have trip insurance. Third party companies will honor this....sadly, my destination/date is not yet exempt.

I think Travelex insurance covers if there is a quarantine on base policies. They also have cancel for any reason policies, but you have to get them within a certain amount of days from initial payment.

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hate to say but you may be screwed

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Probably! $4500 London Marathon related entry tour guarantee. Tokyo Marathon w/ 38,000 runners canceled this week. Italy bow up / quarantine certainly has us concerned.

Thanks for the help. I plan to purchase insurance tomorrow
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