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Travel Insurance Trip Cancellation: Things You Need to Know 

Trip cancellation is a type of travel insurance coverage, applicable when a trip is cancelled, delayed, or ended early due to unexpected events. Learn more now! 

<p>As travel season approaches, it's time to plan your next adventure. Travel insurance is essential — whether you're heading out for a family trip, a romantic getaway, or a solo exploration. One key consideration is understanding the coverage provided by travel insurance at every stage, especially for trip cancellation, delay, or early termination. FWD highlights everything you need to know about travel insurance, allowing you to handle any situation by adjusting your travel plans with flexibilities.</p><h2>What Is Trip Cancellation in Travel Insurances?</h2><p>Trip cancellation is a common feature in travel insurance, offering protection when unexpected events cause your trip to be canceled, delayed, or cut short.</p><p>Travel insurance typically reimburses prepaid expenses, such as flight tickets. Since flight tickets and accommodation expenses are often non-refundable, it could be very costly if the trip gets canceled, especially when it has been long awaited, making you frustrated and disappointed. With trip cancellation coverage, you can recover some of the costs, minimizing the financial impact of an interrupted or canceled trip.</p><p>Below are 3 common compensation items for trip cancellation:</p><h3>1. Trip Cancellation</h3><p>This is the most common coverage in travel insurance: if you need to cancel your trip before departure due to unexpected events, such as serious injury or the passing of a family member, travel insurance usually covers the related costs.</p><h3>2. Journey Change</h3><p>If you need to change your travel dates, travel insurance may reimburse part of the cost. Please check with the policy to know how much you'll have to bear yourself before buying the travel insurance.</p><h3>3. Returning Early</h3><p>Generally, travel insurance trip cancellation policies cover non-refundable prepaid expenses, but the exact coverage depends on your policy. Some travel insurance policies may only cover non-refundable travel and accommodation costs; others, such as FWD's MyTravel Insurance<sup>1</sup>, offers a more comprehensive coverage, including tour fees or rental car bookings that can't be refunded.</p><h2>How To Claim for Travel Insurance</h2><p>Vacations don't always go as planned. When you need to cancel, delay, or return early from a trip, you can submit a claim to your travel insurance provider. To ensure a faster claim process, it is recommended that you prepare the following supporting documents, and the claim amount will also have to be reasonable:</p><ul><li>Any receipts related to the journey, e.g. tour booking receipt, flight confirmation letter, or boarding pass.</li><li>Original invoices or receipts that list the expenses amount.</li><li>Confirmation letters from travel agencies or airlines that clearly state that prepaid travel costs are non-refundable.</li><li>Medical reports or certifications explaining why a trip can't proceed due to serious illness or injury.</li><li>Death certificate for insured person or family member (if applicable).</li></ul><h2>What Are the Valid Reasons for Trip Cancellation?</h2><p>Travel insurance usually only covers certain recognized reasons for trip cancellation, delay, and prematurely ending your journey, these reasons commonly include:</p><h3>Medical Emergencies</h3><p>You, a travel partner, or a family member is seriously injured or falls seriously ill and cannot travel.</p><h3>Home Damage</h3><p>Your home, or your travel companion's home is severely damaged by fire or natural disaster, needing you to cancel the trip or return early.</p><h3>Flight Cancellations</h3><p>The flight is canceled due to extreme weather at your destination, making your trip impossible to commence.</p><h3>Legal Obligations</h3><p>You are called to serve on a jury or as a court witness during your planned travel dates.</p><p>For example, if you are diagnosed with a serious illness, or a fire broke out at your house during the trip, you may be eligible for travel insurance trip cancellation or journey curtailment claims. Unexpected circumstances may also arise in daily life, such as sudden work arrangements that force you to change your travel plans, but most of these are not included in standard travel insurance coverage. In such cases, you may not be eligible for the protections.</p><h2>Is FWD Travel Insurance Good?</h2><p>If you're looking for a comprehensive travel insurance with broad coverage, FWD could be your best choice. <a href="https://www.fwd.com.hk/online-insurance/mytravel-insurance/en/" target="_blank">FWD MyTravel Insurance</a>'s<sup>1</sup> Superior plan includes "trip insurance cancel for any reason<sup>2,^</sup>", offering broader protection. The "cancel for any reason" clause is primarily composed of two parts:</p><ul><li>Trip cancellation<sup>3</sup> for any reason<sup>2</sup></li><li>Change of travel date<sup>3,4</sup> for any reason<sup>2</sup></li></ul><p>The "cancel for any reason<sup>2,^</sup>" clause covers almost any reason<sup>2</sup> for trip cancellation<sup>3</sup>, delay<sup>3,4</sup>, or early return, even those generally excluded from standard travel insurance trip cancellation policies:</p><ul><li>Pet falling ill and needing close care</li><li>Unforeseen work commitments</li><li>Problems obtaining travel visas on time</li><li>Missing flights due to traffic jams</li><li>Event cancellations at your destination (like concerts)</li><li>Other reasons not typically covered by regular travel insurance products</li></ul><p><sup>^</sup>Subject to the exclusions</p><h3>Special Notes</h3><p>FWD's extensive "cancel for any reason<sup>2,^</sup>" cover is only available if you purchase the superior plan within seven days after your first travel payment. With this coverage, if your trip is cancelled due to work obligations, FWD will let you claim up to 50% of the insured prepaid travel expenses, according to the highest claim limit.</p><h3>Exclusions for "Cancel for Any Reason<sup>2,^</sup>"</h3><p>Some exclusions still apply even under the comprehensive FWD MyTravel Insurance cancel for any reason<sup>2,^ </sup>policy, such as:</p><ul><li>War, civil war, invasion, insurrection, revolution, use of military power or usurpation of government or military power</li><li>Any prohibition or regulations by any government</li><li>Any pre-existing condition, congenital and heredity condition</li><li>Engaging in a professional capacity in any sport where an insured person would or could earn income or remuneration from engaging in such sport as a source of income</li><li>Any loss which has connection with the effects of alcohol or drugs other than those prescribed by a qualified medical practitioner</li></ul><h3>Exploring the world with more confidence</h3><p>While travel is exciting, unpredictable events can ruin your plans. FWD MyTravel Insurance Superior Plan's "cancel for any reason<sup>2,^</sup>" allows you to travel with confidence, knowing you're covered across virtually every situation. Whether your plans change unexpectedly or you simply want more flexibility, a comprehensive travel insurance cancellation cover ensures security at every stage of your journey. Find out more about FWD MyTravel Insurance and trip cancellation options for the ultimate peace of mind.</p><p><sup>^</sup>Subject to the exclusion</p>

<ol><li>MyTravel Insurance is underwritten by&nbsp;bBolttech Insurance (Hong Kong) Company Limited ("bolttech Insurance"). This platform is&nbsp;operated&nbsp;by FWD Financial Limited ("FWD Financial"). FWD Financial is an appointed insurance agency of bolttech Insurance&nbsp;(License Number: FA2568).&nbsp;For the detailed terms,&nbsp;conditions&nbsp;and exclusions of trip cancellation, please refer to the policy provisions.&nbsp;This product is only available for sale in Hong Kong and to Hong Kong residents only.&nbsp;</li><li>To claim under cancellation of journey or change of travel dates for any reasons, your policy must be&nbsp;purchased&nbsp;before or within 7 days from the date you make your&nbsp;initial&nbsp;payment or deposit for your trip, and the cancellation/change must be made prior to the original departure time. Please refer to the policy terms,&nbsp;conditions&nbsp;and exclusions for details.&nbsp;&nbsp;</li><li>Refers to MyTravel Insurance - Superior&nbsp;</li><li>Re-scheduled travel duration days must be equal to or less than the original policy period. If it is less than the original policy period, there will be no refund. The change of travel date must be made prior to the original departure time.&nbsp;</li><li>The Company shall reimburse the Insured Person up to the Sum Insured as stated in the Schedule of Benefits for the unused and forfeited travel cost where the Insured Person has to terminate and cut short the Journey and return to Hong Kong as a result of any of the following reasons: Death or Serious Injury or Serious Sickness of the Insured Person, Traveling Companion and/ or Immediate Family Member; Sudden occurrence of strike by the employees of a Common Carrier, unanticipated outbreak of riot or civil commotion or Natural Disasters or which prevents the Insured Person from continuing with his/ her scheduled Journey. The unexpected issuance of a Black Travel Alert for a destination scheduled in the Journey after this Policy becomes effective and which is in force at any time during the Journey, resulting in curtailment of the Journey.&nbsp;The Company will reimburse up to 100% of Sum Insured as&nbsp;stated&nbsp;in the Schedule of Benefits.&nbsp;The unexpected issuance of a Red Travel Alert for a destination scheduled in the Journey during this Policy effective and which is in force at any time during the Journey, resulting in curtailment of the Journey, the Company will reimburse, up to 50% of the Sum Insured as stated in the Schedule of Benefits.&nbsp;</li></ol><p>The product information on this website does not&nbsp;contain&nbsp;full terms and conditions, key product&nbsp;risks&nbsp;and full list of exclusions of the policy. For the details of benefits and key product risks, please refer to the product brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the plan. You should not&nbsp;purchase&nbsp;the plan solely based on the information on this webpage.&nbsp;</p><p>The above information is provided by&nbsp;FWD Financial&nbsp;for reference only. It&nbsp;does not constitute&nbsp;an offer to buy or sell any insurance products outside of Hong Kong. Before&nbsp;purchasing&nbsp;any insurance product, you should understand your needs and affordability, read the policy carefully, and select suitable product.&nbsp;FWD Financial, bolttech Insurance, their subsiding companies or their respective directors or employees make no express or implied representations,&nbsp;statements&nbsp;or warranties as to the accuracy,&nbsp;completeness&nbsp;or suitability for any particular purpose of the information provided. In no event shall FWD Financial, bolttech Insurance, their subsiding companies or their respective directors or employees liable in any way for any consequences resulting from the use or reliance upon this&nbsp;article, and&nbsp;shall not incur any legal liability (including third-party liability). Users should evaluate all the information contained in this article and seek independent professional advice.</p>

Travel Insurance Trip Cancellation: Things You Need to Know