If my family member or I get sick, am I covered to cancel?

Last Updated: October 25, 2013March 28, 2024

Short Answer

Yes, you or your family member’s unforeseen illness is generally a covered reason for Trip Cancellation coverage.

More Detail

An unforeseen illness, injury, or death of you, your traveling companion or your family member are standard covered reasons to cancel your trip.

Please be aware, every policy has its own definition for who is considered a covered family member. This generally includes children, parents, step-parents, grandparents, brothers, sisters, step-siblings, aunts, uncles, and in-laws. Cousins are usually excluded.

While an unforeseen illness is covered, most policies exclude cancelling due to a Pre-Existing Medical Condition unless the policy includes Pre-Existing Medical coverage. Pre-existing Medical coverage can extend to you and your non-traveling family members. Specific conditions such as pregnancy, self-inflicted injury, or mental and psychological disorders may be excluded from cancellation coverage, even if Pre-existing Medical is included.

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!