If you have purchased a travel insurance plan that includes trip cancellation and interruption benefits, your coverage may help you to recover the costs related to hotel accommodations in the following situations: Before your trip - If you have to cancel your trip, due to a covered reason, before you head off on holiday, we may reimburse you for your pre-paid non-refundable travel investment (e.g. hotel fees); After you have departed - If, as a result of a covered reason, a) your trip is interrupted, benefits are payable for the pre-paid, non-refundable portion of unused insured travel arrangements, or b) your trip is interrupted or delayed beyond the expiry date of your coverage, we may reimburse you up to a maximum dollar amount for additional commercial accommodation, meals and more.