Choosing not to travel because the roads are bad is not a covered reason to cancel your trip, although some policies may provide coverage if road closures prevent you from traveling.
More Detail
There are some policies that include Trip Cancellation coverage if inclement weather results in the obstruction of public roadways and prevents you from traveling. However, this is not a standard on travel insurance policies.
Choosing not to travel because of poor road conditions is never covered. If you want to be able to cancel your trip if the roads are bad because of severe winter weather, you can only do so with the Cancel For Any Reason upgrade. This upgrade allows you to cancel for a reason not otherwise covered by your policy, but you must cancel at least 2-3 days before your departure date.
This upgrade typically increases the cost of a policy by about 40-50%, is only available within 14-30 days of your initial trip booking, and requires you to insure 100% of your trip cost. With Cancel For Any Reason, you will only be reimbursed up to 50-75% of your trip cost.
This information is time sensitive and may vary by policy. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available 24/7 and are delighted to help.