Trip Cancellation Insurance (360p)

Standard policies do not cover cancellations for simple convenience or a "change of heart". Instead, they typically specify a list of "covered reasons" that trigger reimbursement:

Serious illness, injury, or death of the traveler, a companion, or a close family member. trip cancellation insurance

Events like hurricanes, floods, or earthquakes that render a home or a destination resort uninhabitable. Standard policies do not cover cancellations for simple

Trip Cancellation Coverage & Travel Insurance Plans | Our Benefits or death of the traveler

Terrorism in a destination city shortly before departure or the cessation of services due to a strike.