Definition: Your trip is interrupted after you’ve left for a covered reason. Travel insurance can reimburse the unused portion of your prepaid expenses, excluding any refunds you receive. Additionally, if your trip is interrupted for a covered reason, reasonable transportation expenses to get you to your original destination via alternative means can be claimed for as well. Finally, in the unfortunate scenario that a travelling companion is hospitalized, a maximum of $100 per day for up to five days may be reimbursed for additional accommodation and transportation expenses.
Example: You remember your college roommate complaining about a fever, aches and pains yesterday. And today she woke up to extreme nausea and chills. It’s no way to spend the final days of your two-week African safari, when you’re due to travel through Tanzania’s remote Katavi park. But after a local physician advised you to interrupt your plans and check your friend into a hospital, you’re now focused on her recovery from what’s been diagnosed as a severe viral infection. You spend the next few days traveling by taxi back and forth from your hostel to your friend’s hospital while she undergoes needed treatment. When you return home, you file a travel insurance claim for the tour through Katavi, as you had prepaid, non-refundable passes. You also include your hostel stay and taxi transportation, which totaled about $80 each of the four extra days you stayed with your ill friend. And now you’re going to tune into the Discovery Channel, just to see what you missed on the safari.