Six reasons you may have to cancel your trip

Generally speaking, when you plan a trip, you expect to get to your destination. But sometimes it doesn't work out that way. No matter how carefully you plan, things can happen that are beyond your control. Is there a way to make cancelling your trip less painful?

Because anybody's travel plans can fall through, it's easy to see why travellers love trip cancellation insurance. You might be surprised at the most common reasons for cancelling a trip. Here are 6 situations where this kind of insurance could come in handy: 

1. Illness or injury

A family member or your travel companion suffers an illness or injury, making it impossible to travel. Or worse yet, a loved one dies.

2. Bad weather

Your plane is grounded due to bad weather, the flight is cancelled because of an approaching storm or your carrier is delayed due to de-icing.

Or maybe bad weather makes it near impossible to get to the airport.

3. Political climate

The government issues an advisory against travelling to your country of destination just before you leave.

4. Civic duty

You've been selected for jury duty or called to testify in a trial.

5. Change in situation

You lose your job just before you're scheduled to leave and can no longer afford the travel costs.

6. Loss

There's a fire in your home just before your trip and you have to stay home to sort things out.

What about the limits and exclusions? 

It might sound cliché, but it's a fact: cancellation insurance has its limits. Make sure you know what is and isn't covered.

Weather conditions

The forecast is calling for bad weather. It's disappointing, but your insurance won't cover you if you cancel your trip.

Personal situation

You and your partner split up just before your trip. Even if your partner was your travel companion, that's not covered either.

Job situation

Your boss won't give you the time off, so you have to cancel your trip. Unfortunately, that's not covered by your insurance. Always make sure your vacation time is approved by your employer before you pay for your trip.