Yes — travel insurance reimburses prepaid, non-refundable trip costs when you cancel for a covered reason like illness, injury, or a family emergency.
By the Home & Dime Editorial Team · Updated 2026
Covered cancellation reasons
- Illness or injury (you or a family member).
- Death in the family.
- Severe weather or a natural disaster.
Not covered
- Changing your mind (unless you have CFAR).
- Fear of travel.
Frequently asked questions
What if I just change my mind?
Standard plans won’t cover it — you need Cancel For Any Reason.
How much is reimbursed?
Usually 100% of prepaid, non-refundable costs for covered reasons.
Related guides
Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.
Part of our Travel Insurance guide
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