Holiday Cancellation Insurance | Staysure™ (2024)

FAQs

What is holiday insurance cancellation cover? ›

Depending on the policy and reason you need to cancel, you can be reimbursed for expenses such as accommodation, unused flights, car hire and excursions that you have already paid for. Policies differ between providers, but cancellation cover usually includes: An injury or illness that prevents you from travelling.

Trip cancellation insurance provides prepaid, nonrefundable reimbursem*nt for trip expenses if you must cancel a trip due to an unforeseen circ*mstance such as illness, injury, or the death of the traveler or a loved one.

Standard travel insurance is generally meant for a land-based holiday and as such, won't cover many of the elements of a cruise holiday. A cruise holiday requires more specialist cover, for example if there was a need to be medically evacuated at sea.

With both, your credit card company would reimburse you for non-refundable expenses, in the event that your trip is interrupted while in progress or is cancelled outright. Trip cancellation insurance applies when a trip has to be cancelled before it's even started.

Travel insurance can give you extra protection if your holiday doesn't go as planned. This is very important if you are travelling independently because you may find yourself stranded with no way to get home and no rep to help sort out your holiday problem.

If you've changed your mind or can't go. You can cancel any time before the holiday starts but you'll probably have to pay a cancellation fee. The fees should be in the terms and conditions. They're likely to be higher if it's close to the departure date.

Claims due to known, foreseeable, or expected events, epidemics, government prohibitions, warnings, or travel advisories or fear of travel are generally not covered (coverage can vary by state.)

We at the MarketWatch Guides team awarded Allianz Travel Insurance 4.1 out of 5 stars based on our provider review methodology. Named our pick for concierge services, Allianz offers 24/7 travel assistance through a multilingual team, which can help policyholders with travel and coverage issues while abroad.

Buying 50 Days Before Departure

Buying cruise insurance at this time also takes the “panic” factor out of your purchase. There'll be lots to think about right before you leave. Buying 50 days out means you won't be worrying about “what-if” scenarios right up to departure date.

Does travel insurance cover cancellation of a cruise? ›

Depending on the plan, it covers delays, cancellations, emergency medical and more while you're on a cruise or traveling to and from your cruise. Some cruise insurance plans even offer cancel-for-any-reason coverage, which provides the ultimate flexibility when your plans change.

One of the main reasons to buy cruise insurance is for medical emergencies. Note that, once you're on a cruise ship or visiting a destination outside the United States, your own U.S. health insurance plan will not apply.

The most common covered reason is unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member. Other common covered reasons include terrorism, inclement weather, or a natural disaster, among others. Not being able to travel as planned is a major concern among travelers.

If you paid for your holiday by credit or debit card, some travel insurers might ask you to make a claim with your card provider before making an insurance claim. Making a claim with your credit card provider could mean you get more of your money back.

Generally, you can purchase trip cancellation and trip interruption insurance after you book your trip. However, you cannot purchase the insurance after you depart for your trip. Please check with your insurer for exact details.

If your hotel or airline makes significant changes to your booking you should be able to cancel your trip without paying a fee. Beyond this, however, you do not have any legal rights to cancel and you will be bound by your booking terms and conditions. Some airlines will either: Give you a partial refund.

Travel insurance can protect you against the following things going wrong: cancelling or cutting short your trip for reasons beyond your control. missed transport or delayed departure for reasons beyond your control. medical and other emergencies.