Am I covered to cancel my trip if my passport doesn’t arrive in time?

Last Updated: August 10, 2015May 8, 2024

No, standard travel insurance policies do not provide coverage if you have not received your passport before your scheduled trip departure. Not receiving your passport in time is not a covered reason to cancel a trip under the Trip Cancellation benefit.

Travelers who are concerned about not receiving their passport in time for their planned trip should consider purchasing a policy with the optional Cancel for Any Reason upgrade. This benefit allows you to cancel your trip for any reason not otherwise covered by the policy.

Cancel For Any Reason typically must be purchased within 14-21 days of your initial booking date, and requires you to cancel your trip at least 2 to 3 days before your trip departure. Select cruise only policies offer Cancel For Any Reason anytime before you’ve made your final trip payment. This benefit requires that you insure 100% of your prepaid and non-refundable trip costs and will only provide up to 75% reimbursement of your trip cost. This upgrade typically increases the premium by about 40-50%.

This information can vary based on the travel insurance policy. Please review the policy certificate to verify coverage. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available from 8am to 10pm ET seven days a week and are delighted to help!