What does TI mean in UNCLASSIFIED

Trip Interruption Insurance (TI) provides coverage for non-refundable trip costs, such as airfare, hotel expenses and car rentals if your trip is interrupted before it has been completed due to certain unforeseen events. This type of coverage helps protect against financial losses that may occur when you unexpectedly have to cancel or cut your vacation short.

All travelers who are planning a trip, regardless of their age or destination are eligible to receive Trip Interruption Insurance. This insurance can be purchased in advance of the trip, usually through a travel agent or online provider.

Typically, common events covered by TI include illness, injury or death of a traveler, severe weather conditions that disrupt transportation services, bankruptcy of the airline/travel company and/or passport/visa complications.

In addition to providing coverage for non-refundable expenses related to the interruption of your trip, some policies may also include additional benefits such as evacuation reimbursement due to medical emergencies and legal assistance in foreign countries.

The cost of TI depends on the specific policy and its coverage limits; however, many plans can be purchased for an average price ranging from 3-10% of the total cost of your trip.

Most policies include missed connections coverage which provides reimbursement for unexpected delays or cancellations that cause you to miss connecting flights during a roundtrip journey. Check with your insurer or travel agent to verify the specific details of your plan's coverage limits and payment structure.

Generally speaking, most insurers do not impose limitations on travelers with pre-existing medical conditions when it comes to purchasing TI; however this varies depending on the specific insurer and plan being selected. It is important to disclose all pertinent information regarding any existing conditions at the time of purchase in order to ensure proper and accurate coverage.

Yes, most policies typically exclude certain high risk activities such as scuba diving, sky diving and mountaineering from their coverage options, so make sure you check with your insurer prior to purchasing TI if you plan on engaging in any potentially dangerous activities during your trip.