From cancelled flights to an injury or illness of a close relative, trip interruptions can throw your travel plans into chaos. That’s where TID’s travel insurance comes in. Our cover for trip interruptions may help you manage the unexpected—whether it’s extra accommodation, transport, or essential clothing—so you’re not left sorting everything out on your own.
What am I covered for if my trip is interrupted or disrupted?
Trip interruption coverage applies when your travel is disrupted by certain insured events. These can include natural disasters, accidents, lost or stolen passports, or needing to return home if a close relative becomes seriously ill. We may cover additional expenses to help get you back on track.
Compare our travel insurance plans in detail here.
What does TID trip interruption insurance cover?
Our policies may cover additional expenses (up to policy limits) for travel, accommodation, meals to rearrange your journey when something unexpected affects your travel plans.
Our policies may cover you in the event of:
✔️ Flight disruptions - if your flight is delayed, cancelled, or you miss your connection because of events like severe weather, natural disasters, riots or strikes.✔️ Accommodation issues - if your pre-paid hotel is uninhabitable and no similar accommodation is available nearby.
✔️ Family or work emergencies - if you or a travel companion are unable to continue travelling due to sudden illness or an injury or death.
✔️ Other interruptions - such as jury duty, redundancy, or your tour being cancelled because of low numbers.
If your trip is delayed our Emergency Assistance team is here to help you 24/7.
What's the difference between trip cancellation, trip delay and trip interruption insurance?
You might be wondering: What's the difference between trip cancellation, trip delay and trip interruption insurance?
While they sound similar, each covers a different scenario:
- Trip cancellation: If you can’t start your trip at all due to illness, injury, or events like a natural disaster, cancellation cover may reimburse your pre-paid, non-refundable costs.
- Trip delay: If your transport is delayed—say, due to severe weather or a missed connection—this cover may help with extra costs for meals, hotels, or transport while you wait.
- Trip interruption: If your trip has already begun but is cut short or disrupted by an insured event, interruption cover may help with costs to rearrange travel, return home, or re-join your trip. For example, if a typhoon halts transport in Japan or you need to return to Australia because of the hospitalisation or death of a close relative.
Don’t let interruptions derail your holiday - get a quote today!
What TID travel insurance plan should I consider?
Trip interruption benefits are available on all of TID’s international and domestic plans:
- The Basics: provides up to $5,000 for emergency travel and accommodation expenses.
- The Works: provides unlimited cover for emergency travel and accommodation expenses.
- Annual Multi Trip: provides unlimited emergency travel and accommodation cover. It’s designed for people who take multiple trips in a 12-month period.
- Domestic: provides up to $10,000 for emergency travel and accommodation if your trip within Australia is interrupted.
Please note: Travel Delay and Missed Connections - Special Events are not covered under The Basics plan.
The features and benefits described are a summary of cover only. Cover is subject to the full terms, conditions, limitations, and exclusions outlined in the Product Disclosure Statement (PDS).
What is not covered for trip interruption?
Not all events are covered. Some exclusions include:
❌ Events not listed in the policy❌ Travelling against medical advice
❌ Travelling to destinations with DFAT “Do not travel” warnings (see smartraveller.gov.au)
❌ An undeclared or unapproved existing medical condition
❌ War and terrorism
❌ Intoxication or drug use, or other general exclusions listed in the PDS.
This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.
FAQs for trip interruptions
How does TID cover interrupted trips?
Depending on the travel insurance plan and the circumstances, TID may cover additional travel, accommodation and other reasonable expenses if your trip is disrupted by an insured event.
What events are covered if my trip is interrupted?
Cover available for certain events listed in the policy, including sudden illness or injury, the death of a close relative, severe weather, strikes, lost or stolen travel documents, or cancelled tours. Tour must be cancelled due to severe weather, natural disaster, riot, strike, civil insurrection, hijacking, or limited cover for insufficient numbers.
What’s the difference between a trip delay and a trip interruption?
A delay usually means your trip continues but is held up, such as waiting at an airport. An interruption means your journey is cut short or diverted after it has started.
Further information
Please read all policy terms, conditions, limitations and exclusions in the PDS to ensure you understand the cover available, including the sections What’s Covered and What’s Not and the General Exclusions.
We have several plans to choose from; each one offers a different level of cover. Check out our travel insurance plans below where you’ll find information about each one. Our most popular plan, The Works offers cover for international trips. It includes cover for medical expenses overseas, cancellation costs, cover for luggage and personal effects and more. Sticking to a shoestring budget? Our budget plan is designed for travellers who want coverage for all the important things, like hospital bills and stolen luggage, without breaking the bank. Are you a frequent flyer? If you travel often for business, or have a few holidays coming up, our Annual Multi Trip plan could be for you. Made for globetrotters, your trips can be up to 35 days in duration and there is no limit to the number of trip you can take during a 12 month period. This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Consider the PDS and TMD before purchasing.Travel insurance plans for every type of holiday
The Works
The Basics
Annual