# Trip Insurance Question

**URL:** <https://boards.straightdope.com/t/trip-insurance-question/647812>\
**Category:** Factual Questions\
**Created:** [January 20, 2013, 5:10pm UTC](https://boards.straightdope.com/t/trip-insurance-question/647812 "2013-01-20T17:10:21Z")\
**Posts on this page:** 3\
**Page:** 1

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**Author:** ![SanDiegoTim](https://avatars.discourse-cdn.com/v4/letter/s/85e7bf/32.png) [@SanDiegoTim](https://boards.straightdope.com/u/SanDiegoTim)\
**Post date:** [January 20, 2013, 5:10pm UTC](https://boards.straightdope.com/t/trip-insurance-question/647812/1 "2013-01-20T17:10:21Z")

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I suppose every company selling this type of insurance has their own terms and consitions, but generally speaking what types of trip cancellations are covered/not covered? For example, if a trip is cancelled due to a death in the family (not one of the travelers, of course), will the insurance take effect?

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**Author:** ![FairyChatMom](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/fairychatmom/32/21906_2.png) [@FairyChatMom](https://boards.straightdope.com/u/FairyChatMom)\
**Post date:** [January 20, 2013, 5:46pm UTC](https://boards.straightdope.com/t/trip-insurance-question/647812/2 "2013-01-20T17:46:11Z")

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My mom and dad were going to cruise to Hawaii, but my dad died about a week before they were to go. Mom got back something like 90% of their fares. Obviously she didn’t go. I don’t know whether she was insured thru the cruise line or her travel agent.

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**Author:** ![dolphinboy](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/dolphinboy/32/330_2.png) [@dolphinboy](https://boards.straightdope.com/u/dolphinboy)\
**Post date:** [January 20, 2013, 5:48pm UTC](https://boards.straightdope.com/t/trip-insurance-question/647812/3 "2013-01-20T17:48:13Z")

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The ones I have used previously (provided mainly through travel agents) had provisions for the death of a family member, but it defined how close a member it had to be, so you need to read the fine print.

I would contact a few travel agents, or travel insurance companies directly, and find out what is and isn’t covered so you know what you buying before you need it.