General Travel Secrets
When a work emergency comes up, forcing you to cancel your travel plans, you may be able to insure yourself against calling it a wash. New add-on features to standard travel insurance plans at AIG (travelguard.com) and Access America (accessamerica.com) cover trip cancellation and interruption for business reasons. For an additional $25 or less, both companies offer coverage that will refund any expenses (hotel, airfare) if an event like an unexpected deadline prevents you from taking a trip, or if a catastrophe (fire, hurricane) affects your work.
There are three rules to know before you book:
- You must buy the coverage within 14 (Access America) or 15 (AIG) days of your initial trip deposit.
- The claim needs to be filed within 90 days of the event that caused you to cancel.
- You have to provide detailed proof that the event occurred, such as a letter from your employer.
For additional tips, see T+L's Travel Secrets.