Can you buy Expedia’s trip insurance for personal trips and then cancel the flight last minute without penalty if you can fly to/from the client site on the company’s dime? Would Expedia reimburse?

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Is that a valid reason for a claim? Trip insurance tends to have very narrow terms for what it will cover and you may need to read the fine print.

Trip insurance is for eventualities ... Death, Illness or something similar.

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