Trip Protection Insurance
Protect the money you've already spent on the trip
Cancellation, interruption, and lost-bag coverage so a missed flight or family emergency doesn't cost you the whole trip.
Trip protection insurance reimburses you for prepaid, non-refundable trip costs if you have to cancel or cut a trip short for a covered reason — illness, family emergency, severe weather, and more. If you've put down deposits on flights, hotels, or tours, this coverage protects that money. This page covers what's included, how Cancel For Any Reason works, and how to file a claim.
What trip protection insurance covers
- Trip cancellation for covered reasons
- Trip interruption (cutting the trip short)
- Lost or delayed baggage
- Travel-delay reimbursement (meals, lodging)
- Optional Cancel For Any Reason (CFAR) rider
What's not covered
- Cancellations for reasons not on the covered-list (unless you add CFAR)
- Pre-existing conditions on basic plans
- Risky activities (extreme sports) without a rider
Coverage levels
| Standard | Plus | Premier | |
|---|---|---|---|
| Cancellation reimbursement | 100% of trip cost | 100% of trip cost | 100% of trip cost |
| Cancel For Any Reason | — | Optional rider (75%) | Optional rider (75%) |
| Trip interruption | 100% | 150% | 200% |
| Baggage / personal effects | $500 | $1,500 | $2,500 |
| Travel delay | $200/day | $300/day | $500/day |
Cancellation reimbursement
- Standard
- 100% of trip cost
- Plus
- 100% of trip cost
- Premier
- 100% of trip cost
Cancel For Any Reason
- Standard
- —
- Plus
- Optional rider (75%)
- Premier
- Optional rider (75%)
Trip interruption
- Standard
- 100%
- Plus
- 150%
- Premier
- 200%
Baggage / personal effects
- Standard
- $500
- Plus
- $1,500
- Premier
- $2,500
Travel delay
- Standard
- $200/day
- Plus
- $300/day
- Premier
- $500/day
How to get covered
- 1Enter your trip cost and dates.
- 2Pick a plan; add CFAR if you want flexibility.
- 3Buy within 14–21 days of your first deposit to qualify for full benefits.
Don't lose your trip cost to a cancellation. Get protected.
Frequently asked questions
What is covered under trip protection insurance?
Trip cancellation and interruption for covered reasons (illness, family emergency, severe weather, jury duty, and more), plus lost or delayed baggage and travel-delay expenses. Read the plan brochure for the exact covered-reasons list.
Can I get coverage for pre-existing medical conditions?
Some plans waive the pre-existing exclusion if you buy within 14 days of your first trip deposit. If a managed condition could affect your trip, buy early to qualify.
How does Cancel For Any Reason (CFAR) work?
CFAR is an optional rider that lets you cancel for any reason at all — change of mind, fear, anything — and recover up to 75% of your trip cost. You usually have to buy CFAR within 14–21 days of your first deposit and cancel at least 48 hours before departure.
How do I file a claim?
Call or email the claims center, submit documentation of the canceled-trip costs (receipts, cancellation confirmations), and the insurer reimburses you directly. Most claims process within 14–30 days.
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SmartGringo is a Mexico-resident-run review site. We compare Mexican insurance products and earn affiliate commission when you buy. We don't sell insurance ourselves — we recommend it.
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Insurance through Baja Bound Insurance Services, Inc. (CA License #0D25373), IMG Global, and TME — all U.S.-licensed providers using A-rated underwriters.
Written from Rosarito
Our content is written from Baja, Mexico — by someone who deals with Mexican insurance day-to-day. Not a contractor in a US call center.
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