When a death occurs in the family, there can be a lot of turmoil and disruption. For travelers, a death in the family can be even worse because you may have to cancel your trip, interrupt it and come home early, and otherwise abandon or change your travel plans.
Changing even a single airline ticket these days is often cost-prohibitive and it’s up to the discretion of the airline representative whether to waive the change fee or not. The same is true for cruises and tours that have already been booked and paid.
Many travelers – especially those with elderly parents or family members who are ill – want to know if travel insurance covers death in the family.
It does … with some exceptions.
Here’s how travel insurance works when a death occurs in the family:
It’s important to note that there are some important exceptions travelers should understand. These include:
Many people are surprised when their travel insurance plan doesn’t cover the loss of best friends, close acquaintances, and even pets. This is because those persons and pets who are important to us may not be considered family members as defined by the travel insurance policy.
To be able to make a claim on your travel insurance policy should someone who is not a family member as defined by the travel insurance plan documents die, you’ll need to have ‘cancel for any reason’ coverage and you’ll have to cancel your trip within the time frame defined by that coverage (sometimes as early as two days prior to your trip).
Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.