This coverage reimburses up to 100% of your pre-paid, non refundable travel costs when you or a traveling companion are directly involved in a documented traffic accident while en route to your travel departure. This is a listed covered reason under trip cancellation coverage and trip interruption coverage.
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What does Traffic Accident cover?
Important notes about this coverage
What type of policy covers this?
How much coverage does each company provide?
Sarah’s long-time friend, Jessica, was in between jobs and the two of them decided to use the unexpected break in her work schedule to squeeze in a girlfriend weekend in New York. They would see some shows, shop all day, and finally get caught up on everything.
On the morning of their departure, Jessica picked up Sarah so they could carpool to the airport and save on parking fees. Just a few miles from the airport, they were involved in a traffic accident and Jessica had to be taken to a local hospital. Once Sarah knew her friend would recover, she contacted their travel insurance company to cancel their trip. Once they sent the police report to their travel insurance company, a full refund for their pre-paid travel expenses was sent to each of the women who vowed they’d reschedule as soon as they could.
This coverage provides reimbursement (up to the plan limit) for pre-paid, non refundable travel expenses if you are directly involved in a documented traffic accident while en route to your travel departure.
Some plans allow you a pre-trip cancellation if you are directly involved in a traffic accident and do not need medical attention, but your vehicle is unsafe to drive and you cannot start your trip.
This coverage ensures that you have pre-trip cancellation benefits in the event you cannot start your trip because of a traffic accident on the way to start your trip.
Many, but not all, travel insurance package plans include traffic accidents en route to your trip departure as a covered reason to claim pre-trip cancellation benefits. Travel medical plans do not provide this coverage.
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.