do i decide the trip is canceled or does the insurance company?

[luckyinpa]

I'm unsure what insurance would cover this or how the rules work

 

I'm going on a trip to jamaica that leaves on a wednesday and returns sunday.  I have flight costs and the 4 nites hotel cost of about 2000.

 

Assume wednesday the flights are canceled out of my home airport and theres no way to get a flight till thursday. but of course no one may know if that flight will be able to take off. do i have to sit at the airport and hope that next flight thursday makes it? or can i just call it quits and get all my money back wednesday. Or do i need to try to get the thursday flight then get one days hotel back from the insurance?  just curious if i decide to not go or the insurance rules dictate that and to what extent i need to keep trying to get on a flight. After thursday it would sorta be pointless to go on the trip is my point.

Thanks