One of the most common reasons people take out single trip holiday insurance is to cover their expenses should an unforeseeable event prevent them from going. This can refund money money on airline tickets, hotel reservations, tour expenses and other prescheduled events.
The problem, however, is determining if your reason for cancelling a trip is valid or not. Here are a few points to help you better understand your position:
Mature versus Premature
One of the first things you need to do once you've booked a trip is to obtain appropriate cover as soon as you can. Many travelers choose to pick it up at the last possible minute, but this is not recommended because you never know when you may have to cancel arrangements. If you obtain cover the moment you finish making all your reservations, you will not need to worry about your coverage being denied reimbursement because it was premature. It also shows that you are seeking coverage in good faith and are not planning to cancel without something of great importance coming up.
Unforeseen versus Foreseeable Events
One of the first real factors that will determine the validity of your trip cancellation is wherever your reason could have been anticipated or not. For example, being called for jury duty is a commitment that a citizen can not expect and prepare for. This is a valid reason because it is a legitimate and unforeseeable event. Other valid reasons include injury, illness, disasters and being a victim of a crime. If a contractual obligation forces you to get back to work, however, then your claim for reimbursements would be invalidated, as the nature of your work is something that you should have foreseen earlier on. If you could have planned and prepared for the event that would cancel your trip, then your single trip holiday insurance will not cover your expenses.
Out-of-Control versus Self-Infected Events
Another important factor for validating cancellation reimbursements is wherever you have played an active role in it or not. Simply changing your mind about the trip for no reason at all is invalid, because your predisposition about the trip is fully within your control. Illness and injury are two solid examples of valid reasons, however they would only be considered valid if you did not inflation these up yourself. If you engage in dangerous sport or expose yourself to a harmful environment, chances are your single trip holiday insurance provider will not pay out.
Close versus Distant Relations
Providers often include a clause that will cover cancellations when a close relative falls seriously ill or figures into an accident. This is only valid for close relatives – typically spouses and those in the first level of consanguinity. This includes parents, siblings or children. The illness or injury of other, more distant relatives will often not be covered. This means that you will not be reimbursed should your cousins, aunts, uncles, grandparents or half-siblings figure into a medical situation.
Oh, and one last thing – always, always document the reasons for cancelling your trip. Single trip holiday insurance will only reimburse your valid claims if you have the documents to prove those claims; so make sure to keep reports, prescriptions and other relevant papers on hand.