No one wants to cancel their holiday. But sometimes, unfortunate circ*mstances mean you might have to. Not only does this mean you’ll lose out on a holiday, but you might also lose out on the money you’ve paid for it. Travel cancellation is a key part of travel insurance and can help you avoid this.
If you know your holiday is going to be cancelled, please let us know as soon as you can so you lose as little as possible.
What is travel insurance cancellation cover?
Holiday cancellation insurance protects you against losses if you have to cancel your trip. For example, if you unexpectedly had to cancel and could not get back the cost of your flights or accommodation.
Note that cancellation insurance for holidays only covers payments that you’ve lost and can’t recover – you should always try to get a refund from your holiday provider first.
What does holiday cancellation insurance cover?
There are a number of reasons for which we’ll cover you to cancel or cut your holiday short with our trip cancellation insurance, such as:
- You become seriously ill or injured
- Someone you’re travelling with becomes ill or injured
- Jury duty
- Becoming pregnant (if, by the time of travel, you’ll be over 32 weeks or your doctor says you can’t travel)
- There’s an accident with a vehicle you were planning to travel in
- Becoming redundant (as long as you’ve been employed continuously for two years, not including self-employment or voluntary redundancy)
- You’re a member of the armed forces, police, fire, nursing or ambulance service and you have to stay because of an emergency or you’e posted overseas unexpectedly
- For more information about what’s included with holiday cancellation insurance, have a read of ourpolicy documentsor visit ourFAQs pagefor any questions you may have.
Will my travel insurance cover cancellation due to Coronavirus?
Yes, all InsureandGo policies cover you for cancellation due to catching Coronavirus (including Delta and Omicron variants), or because you’ve been personally instructed to self-isolate. There is no cancellation cover if you can’t travel due to a lockdown or other government-imposed restriction.
For more information, read about our Coronavirus travel insurance.
From when am I covered by holiday cancellation insurance?
If you buy a single trip policy, cover for holiday cancellation starts from the date you book your trip or pay the insurance premium, whichever is later – so try not to leave buying insurance until the last minute!
If you’ve got an annual multi-trip policy, cover for cancellation starts at the either the time you book your trip or the start date shown on your insurance certificate, whichever is later.
If, due to unexpected circ*mstances that are beyond your control, you can’t finish your holiday within the period of insurance, we’ll extend your cover for up to 30 days, at no extra cost.
What does holiday cancellation insurance not cover?
Holiday cancellation insurance only covers unexpected events. It won’t cover you if you decide you don’t want to travel for any reason, and it won’t cover you for anything you already knew about when you bought the policy. For full details of what’s excluded from holiday cancellation insurance, read our policy wording.
What does curtailment mean in travel insurance?
Curtailment cover is cover for cutting your holiday short and returning home early. This could be due to someone you were staying with unexpectedly becoming seriously ill, or due to an emergency in the UK that you have to return to deal with. See the policy wording for full details of our curtailment travel insurance.
How does cancellation cover for holidays work with different types of policy?
Single trip
If you’re buying cover for a single trip, all InsureandGo policies include travel cancellation insurance. This will cover you from the moment you buy your policy. For more information, read about our single trip travel insurance.
Annual multi-trip
With annual policies, holiday cancellation insurance begins on your policy start date, or the date you book your trip, whichever is later. If you have a holiday booked and are buying annual cover, set the start date as soon as possible to make sure you’re covered for unexpected cancellations before you travel. Read more about our annual multi-trip travel insurance.
Cruise
If you’re planning a cruise, you’ll need to add cruise travel insurance to your policy. This will include holiday cancellation cover for if something happens and you can’t go away as planned. You’ll also be covered for missed ports if the ship can’t make a scheduled stop.
Seniors
InsureandGo policies are available whatever your age. Our range of seniors travel insurance all includes trip cancellation insurance. This means you’ll be covered if an unexpected event, such as falling ill or being injured, occurs and ruins your plans.
Coronavirus
If you need to cancel your trip because you’ve caught Coronavirus, you’ll be covered. You’ll also be covered if you’re personally instructed to isolate, but not if there’s a general lockdown or other restrictions. Read about our Coronavirus travel insurance for full details of the holiday cancellation insurance included with each policy.
FAQs
Travel insurance with trip cancellation benefits can reimburse your prepaid, non-refundable expenses if you must cancel your trip due to a covered reason. Example: You've rented a big house on the lake for a summer vacation with extended family: your dad, your spouse and kids, and your siblings too.
Does holiday insurance cover cancelling a holiday? ›
Cancellation cover is often included in a standard travel insurance policy and protects you financially if your holiday can't go ahead. You typically get a lump sum paid back from your travel insurer if you have to abandon your trip.
Can you just buy trip cancellation insurance? ›
As the name suggests, CFAR policies allow you to claim a reimbursem*nt no matter why you need to cancel. Depending on the insurance company, CFAR coverage might be a stand-alone policy or may be sold as an add-on to your travel insurance benefits for an additional cost.
What does trip cancellation insurance cover? ›
Trip cancellation insurance reimburses you for non-refundable and/or non-transferable deposits on pre-paid travel arrangements and cancellation penalties that a transportation carrier or tour guide may charge.
Is it worth getting a cancellation cover? ›
Travel insurance cancellation can help you reclaim all or some of your costs should you need to cancel your holiday plans. Cancellation cover is included as part of most travel insurance policies. Therefore, you should expect to get the money back. But policies vary so you need to check exactly what's on offer.
Can I get a full refund if I cancel my holiday? ›
Usually, you'll likely need to pay a cancellation fee, or may not be entitled to a refund. If you paid a deposit, this is often non-refundable but again, check the terms of your booking. As for how much it costs to cancel a trip? This depends on many factors.
Does a credit card cover holiday cancellation? ›
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.
What is not covered by Allianz travel insurance? ›
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.)
Is Allianz travel insurance good? ›
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.
What is the difference between trip cancellation and trip insurance? ›
In short, trip cancellation coverage provides coverage for the money you would lose, while trip interruption coverage provides payment for the additional money for covered reasons you would have to spend to return home or resume your trip.
It is advisable to purchase travel insurance as soon as you book your trip or holiday. For instance, travel insurance that includes trip cancellation benefits may help you recover non-refundable trip costs if you have to cancel your travel plans due to a covered reason in the run-up to your trip.
When to buy travel cancellation insurance? ›
Buy close to booking
With many plans, purchasing travel insurance 10 to 14 days from your first trip payment entitles you to “early purchase” benefits such as a waiver for pre-existing medical conditions that impact travel.
Does AARP offer international travel insurance? ›
While there are no AARP travel insurance products or discounts available for seniors, members can use the AARP website for trips and tricks on how to plan for international travel and information regarding how to choose the right insurance plan for older travelers.
What reasons can you cancel a holiday? ›
Top Reasons Most People Cancel Trips
- Injury or Illness. Sickness and injury are the top reasons for cancelling a trip. ...
- Death. ...
- Natural Disaster. ...
- Acts of Terrorism/Evacuation. ...
- Financial Default of the Travel Company.
- Death or Hospitalization of Host.
- Residence Damage. ...
- Jury Duty or Military Deployment.
Cancelling a holiday due to illness
You might be able to get a partial refund if you pay a cancellation fee. If your insurance specifically includes cancellation cover, you should be okay to claim, but there might be some obstacles.
How long do you have to cancel a holiday? ›
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. Contact the company if you can't find your terms and conditions.
Can you cancel love holidays? ›
If you change your mind about your holiday, or are no longer able to go, you can cancel your trip on the loveholidays app. If you haven't already done so, you'll need to add the booking to the app. It will ask for your booking reference and lead passenger surname.
Does travel insurance cover cancellation due to work? ›
Cancel for work reasons coverage is typically an optional upgrade on package travel insurance plans; it isn't usually available on travel medical plans. To be eligible, you must not have known that you would be required to work during your planned trip.
Does holiday insurance cover flight delay? ›
Travel insurance and flight delays
In addition to your airline being obligated to look after you, most travel insurance policies provide cover for travel delay, which becomes applicable if your flight is delayed by more than 12 hours due to strike, adverse weather or mechanical breakdown.
