Cancellation
It refunds non-refundable amounts committed when you must cancel before departure, for a reason listed in the contract. It does not cover a change of mind: the list of eligible reasons is exhaustive.
Interruption
It applies when the trip is cut short or disrupted after departure: it covers the unused portion of prepaid arrangements and the extra cost of returning. It is separate from cancellation, and sometimes sold on its own.
Eligible reasons
Typically: illness or death of the insured or a named relative, certain employment events, an official travel advisory issued after purchase, or damage to your residence. Every contract has its own list.
The purchase date matters
For cancellation, coverage generally must be in force before the reason arises or becomes known. A travel advisory published before your purchase is not an eligible reason: the protection is bought at booking, not as departure approaches.
Baggage
A separate coverage, with modest limits and often per-item caps. Baggage delay is a sub-coverage with a minimum delay before payment. A valuable item is better covered by home insurance or an endorsement.
Check before buying
Your credit card, your group plan, or a carrier guarantee may already cover part of these risks. Compare limits, eligible reasons, and age caps before buying additional protection.
No rate, price, or recommendation on this page. Amounts and limits change: verify them with official sources before deciding.