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Most travelers believe they are covered for loss of their trip if it has been canceled because of a pandemic.  But they would be incorrect.  Instead concentrate on those companies that offer "cancel for any reason"insurance.  "Cancel for any reason" travel insurance is the breakout star of the coronavirus pandemic. Although it's more expensive than standard "named perils" travel insurance, it is more flexible. Its main benefit is that if you change your mind about your trip, the policy guarantees a minimum of 50% of your money will be refunded.   Please check with your insurance provider on what is covered with your policy.

Recommended Insurance website

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