The total trip cost includes any non-refundable, pre-paid trip arrangements. This represents the actual lost money if you need to cancel the trip.
Non-refundable, pre-paid costs might include airfare, hotel reservations, pre-arranged transportation, or any other arrangements that would represent a financial loss. The cost of these items should be added together to determine the total trip cost.
Some costs that would not qualify as non-refundable, prepaid costs are:
• Lodging costs not subject to cancellation penalties
• The cost of meals during the trip
• Visa, passports
• The cost of souvenirs or gifts
• Side trips you arrange while traveling
The cost of these items should not be added to the total trip cost. If you have any questions, contact the insurance company and they will answer any questions.
