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When you plan a holiday, mostly you are so excited, that the thought of anything unpleasant does not arise. However, the truth is quite different. Things don’t always go as planned and there may be an emergency of sorts just when you are away. The situation could be such that your tour operator fails. The circumstances may vary, but the one constant factor is that your holiday is either interrupted midway or you don’t make the trip at all. If it’s for personal reasons, at first you may not really worry much about the holiday expenses but soon you will realize that you have already paid quite a bit and all that money just goes. Don’t let this happen, instead protect yourself with Trip Cancellation Insurance (TCI).

When you opt for Trip Cancellation Insurance, make sure you understand what you are getting insured for. There are difficult clauses so it’s essential that you understand exactly what your policy covers.TCI coverage includes a midway cancellation or even cancellation prior to the trip but you need to have a valid reason. You certainly are not going to get insured just because you chose not to take a holiday. If it’s just a spontaneous decision your TCI policy isn’t going to protect you.

Illness: you do not get a warning signal before any illness strikes you. They always come suddenly. Same applies to injuries and deaths. You may be booked on to a flight when you come down with a bad flu, what can you do but cancel your ticket? In such a case, however much you’ve paid for the ticket, all that money will be lost. You will never recover it but should you get yourself a trip cancellation cover, your money will be refunded back to you.

Misfortunes at home: you get cover even if you miss a flight because of an accident at home or should some calamity strike your house.

Operator: you also get covered if a travel agency operator or airline should collapse. However the cover applies only if you go through an agency.

Disasters: you also get covered should the destination you are heading out to should be struck by any natural calamity or should there be any political stir happening or should they be plagued by some disease.

You will also get reimbursed if there is a strike and your travel is halted. It also applies if it is required for you to pass by that region.