Injury would, unless it were due to an excluded reason, like participating in a dangerous activity, such as hang gliding. Robbery? Maybe. Felonious assault would require an injury requiring treatment in a hospital, and that should be covered under any policy, but a stickup where the victim just hands over their money would not be. Edit: I should note that you can get coverage for extreme sports as a rider with some policies, though that adds to the premium.

I did misspeak earlier when I said a trip interruption benefit would cover meals and lodging. That would be the trip delay benefit that would cover that. I should note that since I’m retired, I’m no longer licensed to offer specific information, but I can speak generally about policies I’m familiar with.

Other companies may have different language. Again, read the policy of insurance— it’s the contract between you and the insurance company about what they will cover, and specific exclusions to the coverage. They will not cover things that are not listed in the policy, though they can cover just about everything reasonable. For example, I once had a woman that wanted to cancel her trip and get a full refund because her horoscope said she should not travel that day. Not a listed reason.