Trip cancellation insurance typically does NOT cover:

Trip cancellation insurance is designed to protect travelers from financial loss in the event that they need to cancel their trip for specific covered reasons. While it can cover a variety of unexpected events that lead to cancellation, there are certain scenarios it generally does not cover.

Carrier-caused delays usually fall under the travel provider’s responsibility rather than the traveler’s. This means that if a flight is delayed or canceled due to an airline issue, such as mechanical failure or scheduling conflicts, the airline typically provides solutions or compensation, rather than trip cancellation insurance. This insurance is more about reimbursing travelers for losses incurred due to personal emergencies or unavoidable events like illness, natural disasters, or other specific situations outlined in the policy.

In contrast, medical emergencies, natural disasters, and unforeseen labor disputes can often be covered under trip cancellation insurance, as they can significantly impact a traveler’s ability to proceed with a planned trip. Each of these situations can arise unexpectedly and would necessitate the need for a traveler to cancel their trip. Thus, the distinction lies in the types of events that trigger the need for coverage.