Definition: Your trip is canceled before you get started for a covered reason. Travel insurance can reimburse your prepaid, non-refundable expenses if you must cancel your trip due to a covered reason.
Example: You buy travel insurance when you book your trip to Italy for the tour of a lifetime. The day before you are schedule to leave, you throw out your back lifting your over- packed suitcase. Moving is unbearable and after a visit with the doctor, they advise you to take it easy instead of taking your long-awaited vacation. You file a claim to seek reimbursement for Trip Cancellation seeing as how you had to cancel your trip for a covered reason before it even started.