We want to ensure you get the most out of the insurance you purchase.
Trip Cancellation & Interruption Coverage is intended to protect your investment in your trip in the event that an illness or other catastrophic event occurs, preventing you from taking the trip. Many things can go wrong in the months after booking a trip, and if they occur prior to purchasing Trip Cancellation & Interruption coverage, you will not be covered.
To ensure you protect your investment from the start, we require the purchase of insurance be made within seven days of when your trip investment becomes unrecoverable in the event of a loss. This may include the trip deposit if at the time of purchase it is non-refundable. You may select to insure the entire trip value at that time, or only insure up to the amount of the deposit and then increase the coverage needed before paying the balance.
In many cases, the deposit or full payment of a trip is fully refundable up to a period of time much closer to the departure date. In this situation, where funds are fully refundable, you are not required to purchase Trip Cancellation & Interruption coverage with GMS until just prior to when any penalty provisions come into effect.