What type of claim might be considered "non-refundable" under travel insurance terms?

In the context of travel insurance, prepaid travel fees due to cancellation are often considered "non-refundable" claims. This is because these fees are typically made in advance for services that are not recoverable once the trip is canceled. For example, if a traveler pays for a hotel, flight, or excursion upfront and then has to cancel their trip for a covered reason, these expenses may not be refundable from the service providers. Therefore, they fall under the realm of insurance claims that travel insurance is designed to cover.

Transportation costs, emergency accommodation expenses, and medical expenses incurred during travel generally involve costs that may be recoverable or have different coverage terms under a travel insurance policy. Hence, they do not fit the definition of "non-refundable" claims in the same way that prepaid fees for services that cannot be recouped after cancellation do. This distinction highlights the specific financial risks that travelers take when they invest in non-refundable arrangements.