{"id":92879,"date":"2025-03-18T14:25:16","date_gmt":"2025-03-18T18:25:16","guid":{"rendered":""},"modified":"2025-05-23T14:05:03","modified_gmt":"2025-05-23T18:05:03","slug":"trip-cancellation-trip-interruption-insurance-with-credit-cards","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/trip-cancellation-trip-interruption-insurance-with-credit-cards\/","title":{"rendered":"Trip Interruption and Trip Cancellation Insurance with a Credit Card: How Does it Work?"},"content":{"rendered":"\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<h4 class=\"wp-block-heading\" id=\"h-tldr\">TLDR<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Trip Interruption and Trip Cancellation Insurance are coverages often included with&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/travel.html\">travel credit cards in Canada<\/a>.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>These insurances cover unexpected costs if your trip gets cancelled, delayed or cut short unexpectedly.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Trip Interruption and Trip Cancellation Insurance covers a range of circumstances \u2013 it\u2019s worth reviewing your credit card documentation to see what you\u2019re covered for.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>As built-in credit card features, Trip Interruption and Trip Cancellation Insurance can save you time and money.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Many credit cards \u2013 especially travel cards \u2013 <a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/cardholders\/optional-add-on-services\/rbc-additional-travel-insurance.html\">come with two valuable travel insurances<\/a>: Trip Interruption and Trip Cancellation. These cover unexpected costs if your trip gets cancelled, delayed or cut short unexpectedly, helping you get reimbursed for things that can\u2019t be refunded otherwise.&nbsp;<\/p>\n\n\n\n<p>While these types of insurance are related, they are different coverages, protecting you in different ways.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-trip-cancellation-insurance\"><b>What is Trip Cancellation Insurance?<\/b><\/h2>\n\n\n\n<p>Trip cancellation insurance reimburses you for the non-refundable portion of your trip. It also covers cancellation fees or penalties a transportation company or tour operator might charge if you need to cancel.<\/p>\n\n\n\n<p>Trip Cancellation Insurance kicks in once your trip is booked and paid for using your credit card, and is in effect until your scheduled departure date.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-trip-interruption-insurance\"><b>What is Trip Interruption Insurance?<\/b><\/h2>\n\n\n\n<p>Trip interruption insurance covers the extra costs you might have to pay if you need to return home sooner or later than planned. It also pays you back for travel arrangements you haven\u2019t used but already paid for using your card, which are otherwise non-refundable and\/or non-transferable.<\/p>\n\n\n\n<p><span style=\"font-family: Inter, Helvetica, Arial, sans-serif;font-size: 14px\">This coverage takes effect after your scheduled departure date and runs until the end of the trip.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-activate-trip-interruption-and-trip-cancellation-insurance-on-your-credit-card\"><b>How to activate Trip Interruption and Trip Cancellation Insurance on your credit card<\/b><\/h2>\n\n\n\n<p>If your credit card comes with Trip Cancellation and Trip Interruption Insurance, you don\u2019t need to do anything to set up your coverage. To activate it, however, you need to make sure that your trip is booked using the credit card that has these insurances. Note that different credit cards have different criteria \u2013 some require you to book and pay for your entire trip using this credit card. Others require only partial payment on the card. It\u2019s important to understand how your trip is covered to ensure you have sufficient coverage.<\/p>\n\n\n\n<p>Be sure to read the details of your credit card insurance document before deciding how to pay for your trip. Your certificate of insurance should be available online.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-s-covered-and-what-s-not\"><b>What\u2019s covered \u2013 and what\u2019s not&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/b><\/h2>\n\n\n\n<p>The specific terms of Trip Cancellation and Trip Interruption coverages may vary across credit cards, so it\u2019s always a good idea to read your insurance certificate. But here\u2019s what\u2019s normally covered:<\/p>\n\n\n\n<div class=\"wp-block-group  mar-b-hlf has-rbc-bright-blue-tint-4-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-compare-travel-credit-cards\">Compare Travel Credit Cards<\/h2>\n\n\n\n<p class=\"has-text-align-center\">Browse and compare a variety of different travel credit cards.<\/p>\n\n\n\n<div class=\"wp-block-buttons pad-b-hlf is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button  is-style-primary primary btn before\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/travel.html\" data-dig-id=\"LP-92879-d98bff85\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Travel Credit Cards-https:\/\/www.rbcroyalbank.com\/credit-cards\/travel.html \">Travel Credit Cards<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center\"><a class=\"rbc-link-format goto-link\" data-icon-class=\"goto-link\" href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/tools\/compare-credit-cards.html\" data-dig-id=\"LP-85779-c566a290\" data-dig-label=\"Compare Credit Cards\" data-dig-action=\"link click\" data-dig-category=\"LP\">Travel Rewards Calculator<\/a><\/p>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-s-commonly-covered-by-trip-cancellation-insurance\"><b>What\u2019s commonly covered by Trip Cancellation insurance:<\/b><\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>An unexpected illness or injury to you or your travelling companion<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>The death of you or your travelling companion<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>The death or hospitalization of your host<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>A formal travel warning by The Government of Canada (an \u201cAvoid Non-Essential Travel\u201d or \u201cAvoid All Travel\u201d advisory) after you book your trip<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Unexpected and involuntary job loss<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Being called to active military, police, essential medical or fire duties<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-s-commonly-covered-by-trip-interruption-insurance\"><b>What\u2019s commonly covered by Trip Interruption insurance:<\/b><\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>An unexpected illness or injury to you or your travelling companion that prevents you from continuing the trip&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>An unexpected illness or injury that forces you to return home early<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>The death of you or your travelling companion during your trip<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>A car accident, road closure or weather event that forces you or your travelling companion to miss a connecting flight<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>A formal travel warning by The Government of Canada (an \u201cAvoid Non-Essential Travel\u201d or \u201cAvoid All Travel\u201d advisory) after you book your trip<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-s-commonly-not-covered\"><b>What\u2019s commonly not covered<\/b><\/h3>\n\n\n\n<p>As you would expect, you won\u2019t get reimbursed for just any reason (a busy week at work or missing your cat won\u2019t make the cut for reimbursement!). Rather, coverage is available for your trip\u2019s interruption or cancellation only under certain circumstances, like those listed above.&nbsp;<\/p>\n\n\n\n<p><b>Here are some common exclusions:<\/b><\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>A pre-existing medical condition&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>A self-inflicted injury<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>A medical condition that results from alcohol or drug use<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>A claim that results from engagement in a criminal or illegal act<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>A claim related to an act of war or rebellion<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Expenses related to space tourism<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-advantages-of-built-in-credit-card-insurance\"><b>The advantages of built-in credit card insurance<\/b><\/h2>\n\n\n\n<p>As built-in coverages on your credit card, Trip Cancellation and Trip Interruption Insurance can save you time and money.<\/p>\n\n\n\n<p>Most meaningfully, these coverages can protect you financially against unexpected events \u2013 having to pay out-of-pocket for a new plane ticket or losing your tour deposit can be a big blow to your finances. Getting reimbursed through Trip Cancellation or Trip Interruption Insurance can help offset these costs.<\/p>\n\n\n\n<p>What\u2019s more, these insurances are included \u2013 so you don\u2019t have to research and buy travel insurance every time you travel. While you might choose to purchase some travel insurance to cover any gaps in coverage, these insurances provide a good foundation to build on.<\/p>\n\n\n\n<p>Consider too the cost of insurance. While credit cards with this coverage will typically come with an annual fee, this amount is lower than the cost of paying for this coverage for every trip you take. When purchased separately, trip cancellation and trip interruption insurance plans can cost, on average, between 4% and 10% of a total trip cost. For a $5,000 trip, you could pay between $200 and $500 for this coverage \u2013 decidedly more than your typical credit card annual fee.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-other-important-details\"><b>Other important details&nbsp;&nbsp;<\/b><\/h2>\n\n\n\n<p>When it comes to Trip Cancellation and Trip Interruption insurance, there are certain details you will want to be aware of. Here are some things to keep in mind:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Coverage limits: Most plans cap the maximum amount you can claim per trip.&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Know who a \u201ccovered person\u201d is: In many cases, a \u201ccovered person\u201d refers to the cardholder, the spouse, and dependent children (under 21 \u2013 or under 26 if a full-time student).&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Claim deadlines: You\u2019ll need to notify the insurance provider within a specific timeframe \u2013 usually within a day of the cancellation or interruption.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Trip Cancellation and Trip Interruption Insurance are valuable coverages for credit cardholders, offering protection, simplicity and savings.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/pixel.welcomesoftware.com\/px.gif?key=YXJ0aWNsZT02ZDI3NjhjOWUyNjU0YzNiYjA1MzFiN2Y5NDk3YjhmZA==\" alt=\"\"\/><\/figure>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Understanding Trip Interruption and Trip Cancellation credit card insurance<\/p>\n","protected":false},"author":132,"featured_media":92882,"parent":85747,"menu_order":0,"template":"wp-custom-template-optimizely-mmm","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[128,121],"rbc_content_type":[31],"rbc_audience":[59,39,93,49],"rbc_lob_group":[508],"rbc_difficulty_level":[70],"rbc_mmm_category":[319,303,304,343,311,569],"class_list":["post-92879","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-travel-insurance","tag-travel-tips","rbc_content_type-article","rbc_audience-newcomer","rbc_audience-parents","rbc_audience-seniors","rbc_audience-students","rbc_lob_group-credit-card","rbc_difficulty_level-intermediate","rbc_mmm_category-credit-and-borrowing","rbc_mmm_category-goals-aspirations","rbc_mmm_category-money-academy","rbc_mmm_category-planning-for-a-big-trip","rbc_mmm_category-travel-and-cross-border","rbc_mmm_category-understanding-credit-cards"],"acf":{"contently_publication_id":"","custom_author":"Royal 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