If you purchased Trip Insurance when booking through a Hospitable Direct site and need to cancel it, this article explains the cancellation window, how to cancel, and what happens with your refund.
What is Trip Insurance?
Trip Insurance is an optional add-on available on some Direct booking sites, provided in partnership with RentalGuardian. It offers coverage for situations such as trip cancellations, interruptions, lost baggage, medical emergencies, and other unexpected events.
There are two types of coverage:
Standard Trip Protection - covers cancellations due to qualifying events
Cancel For Any Reason (CFAR) - offers broader cancellation flexibility
The type of coverage available depends on your location and booking timing.
Can I cancel my Trip Insurance?
Yes, as long as you're within the cancellation window:
Within 15 days of purchase, or
Up to the day before check-in,
whichever comes first.
If you are within this window, you will receive a full refund of the Trip Insurance premium. Outside this window, the cancellation option will no longer be available.
Important: Cancelling Trip Insurance does not cancel or change your reservation. Your booking remains active.
How to cancel Trip Insurance
Through Manage My Stay (Guest Portal)
Open the Manage My Stay link from your booking confirmation email.
Go to Purchased Upgrades.
Click on the Trip Insurance item to view details.
If you're within the cancellation window, click Cancel Coverage.
Enter your reason for cancellation.
Confirm by clicking Yes, cancel my coverage.
Once cancelled, the Trip Insurance will show as Cancelled, and your refund will be processed automatically to your original payment method.
Note: The Cancel Coverage option only appears if you are still within the cancellation window. If you don't see it, the window has passed.
If you can't access Manage My Stay
If you're unable to access Manage My Stay (for example, you didn't receive the confirmation email or the link isn't working):
Check your email - search for emails from the booking site or Hospitable. Check spam and junk folders.
Contact the host- reach out using any contact information from your booking. The host may be able to direct you to support.
Contact Hospitable support - if you're still unable to access your booking, reach out to support with:
Your name and the email address used for the booking
The property name or address
Your approximate booking dates
Your request to cancel the Trip Insurance
Refund details
Refund amount: The full Trip Insurance premium is refunded if cancelled within the cancellation window.
Refund method: Returned to your original payment method.
Processing time: Typically 5–10 business days, depending on your bank or card issuer.
The refund applies only to the Trip Insurance. Any other add-ons or upsells purchased are not affected.
Where to find your policy documents
You can find your Trip Insurance policy details in two places:
In Manage My Stay (Guest Portal)
Go to Purchased Upgrades
Open the Trip Insurance policy details
Here you'll find your policy number, coverage description, and claims information
In your email from RentalGuardian
After purchase, you'll receive an email from RentalGuardian that includes your policy and claims information
How to file a claim
If you need to use your Trip Insurance (rather than cancel it), you can file a claim directly with RentalGuardian. You do not need the host's involvement.
To file a claim:
Online: Visit the RentalGuardian Online Claim Portal — register first to receive status updates
By phone: Call 1 (833) 610-0736 (select prompts 1, 1, 3)
By text: Text #Submit to 786-751-5020 — you'll receive a secure link to file your claim step by step (you must use the phone number listed on the policy)
Your policy details in Manage My Stay or the RentalGuardian email will also include claims filing instructions.
FAQ
Can I cancel Trip Insurance after check-in?
No. The cancellation window closes on the day before check-in (or 15 days after purchase, whichever is earlier). After that, the Cancel Coverage option is no longer available.
I was charged for Trip Insurance but didn't mean to purchase it. Can I get a refund?
If you're still within the cancellation window, cancel it through Manage My Stay as described above. If the window has passed, contact Hospitable support with your booking details to discuss your options.
Does cancelling Trip Insurance affect my reservation?
No. Your booking stays exactly as it is. Only the Trip Insurance coverage is cancelled.
What does Trip Insurance cover?
Coverage varies by plan type. Standard Trip Protection covers cancellations due to qualifying events, while Cancel For Any Reason (CFAR) offers broader flexibility. Full coverage details are available in your policy documents in Manage My Stay or the RentalGuardian email.
How long does it take to process a claim?
RentalGuardian aims to close travel claims within 14 days. During peak periods (e.g., major hurricanes or wildfires), processing may take slightly longer.