Travel insurance is designed to protect against unforeseen losses which could potentially happen in the future, not to protect against losses which have already happened. You are only covered for losses which occur “after” the policy effective date.
In addition, travel insurance usually covers trip cancellation for specific perils or events as listed in the policy (i.e. injury, illness or death, etc.) For reasons not listed in the policy, you would need a policy with a “cancel for any reason” option.
Related articles:
- Will travel insurance cover me for trip cancellation in the event of a close friend's death?
- Will travel insurance protect me if I must cancel my trip due to the death or illness of a traveling companion's family member?
- Trip Cancellation vs Cancel For Any Reason
- Can I Cancel My Trip Because of Political Unrest?
- Will travel insurance cover me if I must cancel my trip due to the illness of my non- traveling fiancee?
