What does orbitz insurance cover

These are the 5 basic types of coverage provided with vacation insurance. This page outlines the general coverage provided, and our full guide to coverage can be found here. You invest money when planning a trip. If these expenses are pre-paid and non-refundable, you risk losing it if something goes wrong.

Trip Cancellation Coverage reimburses you for pre-paid, non-refundable expenses if you need to cancel your trip before you depart. Insurance companies provide a list of covered reasons for trip cancellation , an overview of typical covered reasons is below. The most common reason is the first one…someone getting sick or a family member passing away. Trip Interruption Coverage is similar to cancellation coverage, but covers you while you are on your trip for the same list of covered reasons.

If something happens and you are required to return home, insurance will reimburse you for the lost portion of your trip…as well as any additional expenses for the last-minute flight home.

But they're more similar today than ever. Travel insurance is an actual insurance product underwritten by large insurance companies and regulated by state insurance agencies. But trip protection plans were much riskier propositions and could be full of exclusions. A trip protection plan might only cover a portion of the trip and not reimburse you for a cancellation but instead issue you a credit for future travel.

Also, the protection plans were backed by tour operators instead of highly rated insurance underwriters. So if a tour operator ran into financial difficulties, it might mean your trip "protection" was worthless. For example, Vantage's program has an insurance component, but like all insurance, its coverage is limited.

In other words, the most reputable travel companies that offer trip "protection" will have actual insurance components in there somewhere. But you have to look for it. A few companies continue to sell old protection that may or may not work. Look for real protection: Some plans promise to do what any self-respecting tour operator or agency would do, like process a change or cancellation on your behalf.

You don't need to pay extra for that. Look for a cash refund when you file a claim for a covered reason. Look for an insurance component: Insurance is a regulated industry — promises are not.

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