For starters, many standard travel insurance policies include trip cancellations due to job loss, so you shouldn’t need a separate coverage for that. However, very few standard insurance cover you if you have to cancel your vacation due to a work-related dispute. Instead, you can usually add such coverage as an extra upgrade to any travel insurance policy you buy. This broadens the list of acceptable grounds for canceling a trip ahead of time.
What is cancel for work reasons travel insurance?
Work Cancellation Travelers may be reimbursed if they have to cancel their vacation due to unanticipated work-related circumstances.
A traveler’s pre-approved vacation time must be revoked owing to an obligation to work in order to be covered under Cancel For Work Reasons. They must provide evidence of a work requirement, such as a notarized statement from their employer.
For self-employment, some insurance will give Cancel For Work Reasons coverage. If a policy covers self-employed travelers, it will be stated explicitly in the policy description and certificate.
Please keep in mind that each policy’s coverage and qualifying restrictions for this benefit vary. The providers that offer Cancel For Work Reasons coverage are listed in the tables below.
Looking for a policy with Cancel For Work Reasons coverage?
Fill up our unique search form with the details of your trip. Select the Cancel For Work Reasons filter once you’ve received your results to discover the best policy for your trip with the coverage you require.
Does travel insurance cover job loss?
When a traveler loses their job while planning a trip, they must decide whether to go ahead with the trip or cancel it and preserve the money. If you’ve recently lost your job and are planning a trip, you might be wondering if your travel insurance covers job loss.
Yes, job loss is a covered cause for canceling your vacation in some travel insurance plans. If job loss is listed as a covered cause to cancel in your travel insurance policy, you can cancel your trip and file a claim to recoup your non-refundable trip expenses while you look for a new employment.
Note that some travel insurance plans involve being transferred if you have to cancel your trip due to a covered reason (see the limits placed on this coverage below).
Job loss coverage is isolated to trip cancellation
While the covered causes for pre-departure trip cancellation benefits are frequently bundled together with the coverage for post-departure trip interruption, the benefits for job loss are confined to trip cancellation. As in, you must have lost your job before your vacation and filed a travel insurance claim to recover your non-refundable trip charges as a result of your trip cancellation.
Job loss, in particular, is not a covered reason to end your vacation and return home, therefore you won’t be able to use your trip interruption coverage.
Limits on travel insurance coverage for job loss
Travel insurance, like all insurance plans, has coverage limits to provide the travel insurance provider some control over how much they have to pay out in the event of a loss. As a result, travel insurance coverage for job loss will include limitations such as the following:
- It must be an involuntary layoff or termination that is beyond your control. (This implies you can’t expect to file a travel insurance claim after quitting your work.)
- For a particular period of time, you must have worked for the same employer constantly. (Temporary workers, independent contractors, and the self-employed are not covered because the time period is usually one year prior to the termination or layoff.)
- If your travel insurance claim is due to a job transfer, it must be permanent and take you more than a specified number of miles (typically approximately 250) from your prior workplace.
Does trip insurance cover work conflicts?
If you have to cancel your vacation due to work issues, pre-departure trip cancellation coverage reimburses you for non-refundable payments and deposits. Workplace conflicts that are frequently discussed include:
- You will be transferred to a new job for the rest of your life (to a location 250 miles or more away)
- You’re in the military, and your leave has been revoked, you’ve been reassigned, or you’ve been called to emergency service in the event of a national calamity.
- Your employment is involuntarily ended (laid off) (usually requires continuous employment of 1-3 years)
Not all of these are covered causes for pre-trip cancellation in every plan. Furthermore, this is not an exhaustive list of the reasons you may be forced to cancel your trip due to your job. The ‘cancel for work reasons’ coverage covers additional work-related reasons for cancellation.