We upgraded to Premium for the Sit Cancellation Plan after experiencing a sit that was curtailed due to the hosts becoming seriously ill and having to be medi- vacced home . So understandably the sit was cut short . On that occasion we decided to return to our home which was a 3.5 hour drive away .
Since we had several more sits confirmed we felt that upgrading to Premium to have some cover in place for last minute cancellations would be worthwhile for us . We also ensure that we have enough credit available on credit card in order to pay for alternative accommodation upfront if required.
A year later we encountered a similar situation where a 22 day sit abruptly ended on day 5 . This time we made a claim with THS for local alternative accommodation for 10 nights (£ ) which was approved and paid in 14 days. During that period we applied and confirmed another sit in the area which covered the remaining days of the original sit .
More detail on our experience of making a claim is here :
The third occasion that a sit was curtailed by the host arriving back early , we went to stay with friends who we had been planning to visit after the trip , we just went earlier .
Even with the Sit Cancellation Plan you need to be resourceful/ comfortable with a last minute change of plans and with finding and pay upfront for alternative accommodation yourself and mindful that $150 is deducted from the amount you can reclaim.