Before beginning your search, it’s important to understand the difference between layoff insurance and the add-on “cancel for work reasons.” The former refunds prepaid deposits in the event of job loss and is included under the “trip cancellation” clause of most travel-protection policies, while the latter pays out for work emergencies and can increase your premium by up to 40 percent. Check out aggregator sites such as <a href="http://www.squaremouth.com/class="external"rel="nofollow">squaremouth.com</a> or <a href="http://www.insuremytrip.com/class="external"rel="nofollow">insuremytrip.com</a>, where you can enter your age, destination, and trip cost to compare plans offered by companies including Travel Guard, CSA, and MedJet. Another option: Purchase a plan directly through a tour operator or cruise line. Some, like Disney and Norwegian Cruise Lines, offer this type of coverage; just don’t forget to ask whether your refund will be paid in cash or in travel vouchers.