5 Reasons Your Trip Cancellation Insurance Won’t Cover You

Travel Insurance with Travel Cancellation Benefits is designed to reimburse your pre-paid, non-refundable expenses if you have to cancel your trip for a covered reason. But while it is not a cure and we understand that everyone’s situation is unique, here are some of the most common reasons for refusing travel insurance compensation.

1. You didn’t see a doctor before canceling your trip because of illness.

Curz has packed her suitcase to fly to Costa Rica for a week-long vacation. The day before she leaves, she arrives with a bad case of fever. Feeling unfortunate, Anna decides to stay home. She offered insurance compensation for the cancellation of the trip but it was rejected.

If you or your traveling companion becomes ill, injured, or medically ill, and a reasonable person is not sufficient to cancel a trip, Allianz Global Accidents will consider the trip as a covered reason to cancel. However, a doctor should check you or your travel companion and advise the person to cancel the trip – before deciding to cancel. If this is not possible, a doctor should examine you within 72 hours of your visit being canceled.

2. You didn’t provide documentation for your trip cancellation reasons and expenses. 

A few days before he left for a two-week tour of Cambodia and Vietnam, Malaka was disappointed to learn that his tour operator had left the business. Although he offers travel cancellation insurance with the tour operator’s original invoice, his request is denied.

Sending a credit card receipt or a single invoice is not enough. You must thoroughly document all of your travel expenses, the reason for cancellation, and the refund. The list of documents includes Allianz Global Assistance Requests:

  • Receipts and itemized bills for all expenses.
  • Refunds or Expenditure Allowances from your Travel Operator, Travel Agency, Public Carrier, Resort, Property Management Company, or any other institution
  • A copy or confirmation of the vacation/vacation lease agreement
  • Cancellation / Interruption Claims.
  • Any suitable documents that officially explain the reason for canceling or interrupting your visit
  • Any explanation of the diagnosis with proof of your original itemized bills, receipts, and other insurance payments.
  • Unused original tickets, copies of invoices, proof of payment, and other documents confirming the cost or occurrence of the cancellation or interruption of the trip.
  • Documenting refunds received from the travel supplier and/or public carriers.
  • A copy of the supplier’s literature describing the ties.
  • A letter from the travel agent or a bill from the travel agent, stating the non-refundable amount for travel expenses.

3. You purchased travel insurance when a big storm was already on the horizon.

Malindu and Andy have been looking forward to their 10th anniversary trip to St. Barts for 10 months. A few days before they left, the weather channel reported that tropical storms were making landfall on Theresa Island. “Ahh,” Kelly thinks. “I think it’s good to have travel insurance.” They cancel their vacation due to the storm – but their insurance compensation is denied.

Allianz Global Accents names a number of reasons to cancel a trip that may be associated with severe weather. For example:

  • Due to bad weather (or any other covered cause), you may not be able to reach your destination for at least 24 consecutive hours from the originally planned arrival time.
  • Due to inclement weather (or other coverage reasons) your tour operator will cancel the multi-day trip you purchased before departure.
  • Your destination is not a settlement
  • The National Oceanic and Atmospheric Administration (NOAA) or Foreign Equality has issued a hurricane, hurricane, or hurricane warning for your destination and is effective 24 hours before your departure (Available with OneTrip Premier only)
  • Government authorities order the mandatory departure to your destination within 24 hours before the day of your departure.

However, travel insurance is meant to protect travelers from emergencies – not the threats that are already on the horizon when buying insurance. If you purchase travel insurance after naming a winter or tropical storm or after being warned by an NOAA or similar agency, your plan does not provide coverage for event-related claims. Be sure to purchase travel cancellation insurance before you leave.

4. You gave up on your trip too soon.

On the day of Emma’s flight to France, a cold storm causes his connecting flight. After sitting in the airport for 12 hours, he gets angry and decides to cancel the entire trip. However, the insurance compensation for the cancellation of his trip will be denied.
We know travel delays are exacerbated. But do not cancel your entire trip due to a short delay! For a cancellation claim, your carrier must not be able to take you to your original itinerary for at least 24 consecutive hours from the originally scheduled arrival time.


Remember that the benefits of canceling your trip will help you reach your original destination differently! Reasonable cost of alternative transport, you can reimburse for lower refunds (up to the maximum benefit of your policy tour cancellation coverage); And lower prepaid accommodation costs due to your coverage delay, lower cashback payments.
If you miss at least 50% of your trip due to travel delays or other coverage, you can claim travel interruptions.

5. You didn’t read the terms, conditions, and exclusions for your trip cancellation insurance policy.

Shortly before the planned couple leaves for Malindu, Michelle gets into a big fight with her boyfriend. She suspends her engagement. But travel insurance does not cover the cancellation of her trip.


With a wide range of reasons to cancel a trip, Travel Insurance from Allianz Global Accidents is designed to protect you from many common travel accidents. However, it is not a “cancellation for any reason” travel insurance, which is why you must read all the terms and conditions when purchasing your plan. For example, legal separation or divorce may be a covered reason to cancel the trip but not a separation. The death of a family member may be a cover-up, but the death of a pet is not.

Thank you

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