Only if you buy the optional benefit CFAR (Cancel For Any Reason).   CFAR allows you to cancel your entire trip two (2) or more days before your scheduled departure date for any reason not already covered on the standard policy, and will cover 75% of the non refundable costs.    Without this optional benefit, a standard trip insurance plan generally covers when you have to cancel your trip for loss of a job, injury, or illness to you or a family member.