‘Cancel for work reasons’ coverage is an optional upgrade on some plans which expands the covered reasons for pre-trip cancellations. This coverage provides reimbursement for pre-paid travel costs if the insured has to cancel their trip for a covered reason.
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What does ‘Cancel for work reasons’ cover?
Coverage for other work reasons
Important notes about this coverage
What type of policy covers this?
How much coverage does each company provide?
Luke planned a backpacking journey through Switzerland late in the summer. He purchased a travel insurance plan and added the ‘cancel for work reasons’ coverage, but he never expected to have to make a claim.
Early in the summer, however, the company Luke works for went through a round of layoffs and everyone who remained working had to put in extra hours to keep their projects moving forward. All previously approved vacations were revoked and all future vacations were on hold. Luke was able to recover his pre-paid travel costs and save the money for a later trip.
While many policies include cancellations for work conflicts in their trip cancellation and trip interruption benefits, some policies offer a ‘cancel for work reasons’ upgrade that allows trip cancellations for the following work-related reasons:
In each situation, you must not have known you would be required to work when you purchase your travel insurance plan.
If you are concerned about having to cancel for work reasons, it’s important to be sure the coverage you buy includes the specific reason you may need. Remember, if the policy doesn’t list the reason specifically, then you won’t have coverage for that situation.
There are a number of additional work-related reasons that may force you to cancel your trip, which are handled separately from ‘cancel for work reasons’.
These reasons include:
If these are important protections for your trip, see Work Conflict Coverage.
Package plans, not travel medical plans, are the policy type to offer ‘cancel for work reasons’ upgrades. Some package plans now include ‘cancel for work reasons’ coverage in their travel package plans, and others offer it as an optional upgrade.
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.