© 2025 Emerald Sail LLC
Effective Date: March 09, 2023
At Emerald Sail, we are committed to protecting your privacy. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you visit our website emeraldsail.com and engage with our services.
1. Information We Collect
We may collect personal information from you in various ways, including but not limited to:
• Contact Information: Name, email address and phone number.
• Usage Data: Information about how you use our website and services.
• Cookies and Tracking Technologies: We use cookies and similar technologies to enhance your experience on our site.
2. How We Use Your Information
Emerald Sail uses the information we collect for various purposes, including:
• To provide and maintain our services.
• To communicate with you, including sending you marketing communications via email and SMS messages.
• To respond to your inquiries and support needs.
• To improve our website and services.
• To comply with legal obligations.
3. Email and SMS Marketing
By providing your email address and/or phone number, you consent to receive marketing communications from us, including promotional emails and SMS messages. You can opt-out of these communications at any time by following the unsubscribe instructions included in each email or by replying "STOP" to any SMS message.
4. Sharing Your Information
We do not sell or rent your personal information to third parties. However, we may share your information in the following circumstances:
• With service providers who assist us in operating our website and conducting our business.
• When required by law or in response to legal requests.
• In connection with a merger, sale, or acquisition of all or a portion of our business.
5. Data Security
We take reasonable measures to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or method of electronic storage is 100% secure. Therefore, we cannot guarantee its absolute security.
6. Your Rights
Depending on your location, you may have certain rights regarding your personal information, including:
• The right to access your personal data.
• The right to request correction of inaccurate data.
• The right to request deletion of your personal data.
• The right to withdraw consent for marketing communications.
To exercise these rights, please contact us using the information provided below.
7. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on our website with a new effective date. We encourage you to review this Privacy Policy periodically for any changes.
8. Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact us at:
Emerald Sail LLC
7901 4th St N, Saint Petersburg, FL 33702
info@emeraldsail.com
+1 (727) 335-SAIL (7245)
Trip Cancellation Insurance
Have peace of mind when planning your vacation!
Imagine booking your dream trip - and then life throws a curveball. A sudden illness, a family emergency, or a storm can turn your perfect getaway into a costly disappointment.
That’s where trip cancellation insurance steps in. As a professional in the travel insurance world, we want to make it easy for you to understand how this simple protection can save your vacation - and your wallet.
Trip cancellation insurance helps reimburse you for prepaid, non-refundable travel expenses if you need to cancel your trip for an unexpected reason, like getting sick, a family emergency, or bad weather. If something happens before your departure date that forces you to cancel, this insurance can help you get your money back.
You can buy it on its own or as part of a larger travel insurance plan. Some plans also let you add extra protection, like "Cancel For Any Reason" (CFAR) coverage, for even more flexibility.
Every policy is a little different, but most include protection for things like:
- You or your travel companion gets seriously sick or injured
- A family member passes away
- Natural disasters make your home or destination unlivable
- Airlines or other services shut down due to strikes or weather
- You’re called for jury duty or receive a court order
- Trip delays (like a missed connection) that lead to added costs
- Trip interruptions (if your trip is cut short unexpectedly)
Trip cancellation insurance doesn’t cover everything. Some situations—called "foreseeable events"—are excluded. That means if something was likely to happen or already known when you booked, it won’t be covered.
Here are examples of things not usually covered:
- Canceling because you changed your mind
- Known storms or pandemics already in the news
- Pre-existing medical conditions (unless covered in your plan)
- Self-inflicted injuries, substance abuse, or mental health issues
- War or military events
- Normal pregnancy or fertility treatments
- Bankruptcy of a travel company (in some policies)
Trip cancellation insurance typically costs 5% to 10% of your total trip expenses. So if your vacation costs $5,000, expect to pay $250–$500 for coverage. Adding “Cancel For Any Reason” can raise that by 40% to 50%.
Prices vary depending on:
- Your age (older travelers usually pay more)
- Total trip cost (especially prepaid, non-refundable parts)
- Length of your trip
- Number of travelers
- The type of coverage you choose
Is It Worth It?
If you're spending a lot on a vacation, or just want to protect your hard-earned travel budget, it’s definitely worth considering. A relatively small upfront cost can save you thousands if something goes wrong before you even pack your bags. Even if you’re on a budget, having some coverage is better than none. It’s all about peace of mind, knowing that unexpected events won’t completely derail your plans.
When shopping, compare quotes from multiple companies to find the best value for your needs. Look for clear coverage details, check reviews, and take advantage of the free-look period - a window (usually 10–21 days) where you can cancel the policy and get a full refund if you change your mind.
Which Policy To Buy?
Below is a comparison of some of the top-rated trip cancellation insurance providers for 2025, based on expert analyses and customer reviews:
Best Overall Coverage: Travelex Insurance Services
- Top Plan: Ultimate
- Trip Cancellation: Up to 100% of trip cost (max $50,000)
- Trip Interruption: Up to 150% of trip cost (max $75,000)
- Emergency Medical: Up to $250,000
- Medical Evacuation: Up to $1 million
- Additional Benefits: Offers "Cancel for Any Reason" (CFAR) option, coverage for preexisting conditions, and various add-ons like adventure sports and pet coverage.
- Customer Feedback: Generally positive reviews, with a Trustpilot rating of 3.9/5 and a Squaremouth rating of 4.43/5.
- Best For: Travelers seeking comprehensive coverage with customizable options.
Best Value for Price: WorldTrips
- Top Plan: Atlas Journey Elevate
- Trip Cancellation: Up to 100% of trip cost
- Trip Interruption: Up to 150% of trip cost
- Emergency Medical: Up to $250,000
- Medical Evacuation: Up to $1 million
- Additional Benefits: Strong baggage coverage ($2,500 total, $500 per item), CFAR and "Interruption for Any Reason" (IFAR) options available.
- Customer Feedback: Positive reviews with a Trustpilot rating of 4.4/5 and a Squaremouth rating of 4.26/5.
- Best For: Budget-conscious travelers seeking robust coverage.
Best for Preexisting Conditions: Tin Leg
- Top Plan: Luxury
- Trip Cancellation: Up to 100% of trip cost
- Trip Interruption: Up to 150% of trip cost
- Emergency Medical: Up to $100,000
- Medical Evacuation: Up to $250,000
- Additional Benefits: Seven out of eight plans cover preexisting conditions (when purchased within 14-15 days of trip deposit), CFAR available on select plans.
- Customer Feedback: Squaremouth rating of 4.56/5; Trustpilot rating of 3.7/5.
- Best For: Travelers with preexisting medical conditions.
Best for Travel Disruptions: HTH Worldwide
- Top Plan: TripProtector Preferred
- Trip Cancellation: Up to 100% of trip cost
- Trip Interruption: Up to 200% of trip cost
- Emergency Medical: Up to $500,000
- Medical Evacuation: Up to $1 million
- Additional Benefits: Excellent coverage for trip delays ($2,000 per person), missed connections ($1,000 per person), and weather-related disruptions with a short six-hour delay requirement.
- Best For: Travelers concerned about potential trip interruptions or delays.
Best for Cruise Travelers: Nationwide
- Top Plan: Cruise Luxury
- Trip Cancellation: Up to 100% of trip cost
- Trip Interruption: Up to 150% of trip cost
- Emergency Medical: Up to $150,000
- Medical Evacuation: Up to $1 million
- Additional Benefits: Includes non-medical evacuation benefits ($25,000), CFAR and IFAR options, and coverage for missed events due to cruise itinerary changes.
- Best For: Cruise enthusiasts seeking specialized coverage.
Best Customer Service: Seven Corners
- Top Plan: Trip Protection Choice
- Trip Cancellation: Up to 100% of trip cost (up to $100,000)
- Trip Interruption: Up to 150% of trip cost
- Emergency Medical: Up to $500,000
- Medical Evacuation: Up to $1 million
- Additional Benefits: 24/7 customer support, CFAR and IFAR options, coverage for preexisting conditions (with conditions).
- Customer Feedback: Trustpilot rating of 4.3/5; Squaremouth rating of 4.37/5.
- Best For: Travelers prioritizing responsive and reliable customer support.
When selecting a trip cancellation insurance policy, consider factors like your travel destination, health conditions, trip cost, and potential risks. It's advisable to compare quotes and coverage details from multiple providers to find the best fit for your needs.
Planning a vacation should be exciting, not stressful. Trip cancellation insurance won’t prevent the unexpected, but it can make sure you don’t lose money when life gets in the way. With the right policy, you can relax, pack your bags, and focus on the joy of travel.