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2. You must understand what trip cancellation insurance does and does not cover to be protected.

2. You must understand what trip cancellation insurance does and does not cover to be protected.

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When you buy trip cancellation insurance, you might assume it covers anything that might happen. It doesn’t. That would, insurers say, make travel insurance unaffordable.

You also might think you can get your money back if you cancel because you’re too worried to travel. You won’t (unless you have “cancel for any reason” insurance). If you’re afraid, say, of snakes and there’s an infestation in the country you plan to visit, you can’t stay home and expect to be reimbursed.

Trip cancellation travel insurance “only covers cancellations for a list of reasons highlighted in your plan,” Rachel Coen, head of the communications team for G1G.com, a travel insurance provider, said in an email.

Did insurers have you covered when the pandemic broke out. No. How could they?

Still, many travelers thought they were covered. Wrong. “What they didn’t know was that their plan excluded (the) pandemic or it simply doesn’t cover travel advisories,” Coen said.

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