Most travel insurance policies should offer assistance in the event of a government shutdown. “If a government shutdown results in airline or airport disruptions that impact your trip, it can trigger trip delay, trip cancellation, or trip interruption coverage benefits,” says Jeff Rolander, vice president of claims at Faye Travel Insurance.

A prolonged government shutdown would put extra financial burdens on the families of federal workers during an already precarious time due to shifting tariffs and rising inflation.