Sometimes, no matter how well we plan, the unexpected can happen. If you ever need to cancel or cut your trip short, travel insurance cancellation cover can help. But, what is it exactly?
We're here to answer that. In this guide we take a look at what you need to know about cancellation cover: What it is, how much policies cost, and what to consider. Ready to learn more about it? Read on!
What is travel insurance cancellation cover?
Need to cancel or cut short your trip? Travel insurance can help you get some of your money back! The part of your policy that covers this is usually called 'cancellation cover'. But, some policies can refer to it as 'cancellation and curtailment' cover.
Here's what that means:
- Cancellation covers situations when you have to call off the trip entirely before your departure date for something out of the blue. For example, jury duty.
- Curtailment applies if you're already on holiday but need to cut it short for an unexpected reason, like a family emergency.
Most travel insurance policies include this type of cover. So, if your plans change unexpectedly, you should be able to make a claim. But, just remember that policies can vary, so it's a good idea to check your details to know exactly what you're covered for. And, don't forget—this only applies if the policy was purchased before the event that prevented or cut short travel.
Top tip: Remember—the unexpected can happen at any time. So, it's a good idea to consider getting covered with travel insurance as soon as you've booked your holiday.
What’s covered by travel insurance cancellation cover?
Let's take a look at the main situations cancellation insurance usually covers:
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Unforeseen illness, injury or bereavement. If you, a travel friend, or a close family member suddenly gets ill, injured, or passes away.
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Major delays. If your outbound flight is delayed by more than 12 hours and you decide to abandon your trip altogether.
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Redundancy. If you're unexpectedly made redundant and no longer have the means to travel.
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Police requirements. If the police need your presence at home for an emergency within 48 hours of your departure.
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Jury duty or court summons. If you're called up for jury duty or need to appear in court as a witness.
Heads up: Some policies might also cover cancellations if the government issues a warning against non-essential travel to your destination. Just check the details to be sure.
What isn’t covered by a cancellation policy?
There's some situations that usually won't be covered:
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Changed your mind? If you decide you don't want to go anymore because you've had a change of heart, you won't be covered.
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Flight cancellations by the airline. If the airline cancels, they should provide compensation directly.
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Undeclared medical conditions. If you need to make a related claim for a pre-existing condition you didn't declare when you bought the policy.
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Planned strikes or known events. If you booked the trip knowing a strike or industrial action was scheduled, don't expect a payout for any disruption. The same goes for natural disasters.
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Misbehaviour. If you're turned away for anti-social behaviour, like drug or alcohol use, you won't be covered.
Just remember that every policy is different. So, check the fine print to see exactly what's included and what's not!
What are the rules for unexpected illness?
Cover usually kicks in when people cancel plans due to an unexpected illness. Hurrah! But, 'unexpected' is the key word here. To get covered, the illness must be completely unanticipated.
If you have a pre-existing medical condition that wasn't declared, it probably won't be covered. This applies even if you didn't think you'd need treatment before your trip.
So, if you do have an existing medical condition, it's important to make sure you declare it to your insurer when buying the policy. That way, you'll be covered if you need it.
When making a claim, you might be asked to provide proof of your illness. For example, some insurers ask for a doctor's note or a certificate from the medical consultant.
Keep in mind: the process for medical emergencies is a little different to the usual claims process. Your insurer should have a 24/7 emergency contact number you'll need to call if you're taken to the hospital. It's a good idea to keep this number handy in case you need it. You could also share it with a loved one in case they need to contact the insurer for you.
How do I claim for cancellation on travel insurance?
Claiming for a cancellation is usually a straightforward process. You can make most travel insurance claims online but it can vary between providers. So, double check what the process is for your insurer to be sure.
For more urgent situations, you could call your insurer directly. Similar to medical emergencies, there should be a contact number you can ring. Check your policy details, it should be there. Have your policy number and name ready to speed things up.
It's a good idea to keep as much 'evidence' as you can to support your claim. This can include:
- Travel tickets
- Receipts or invoices from the original booking
- A signed medical note from your GP
- A signed copy of the death certificate if you had to cancel your plans due to a bereavement
- Boarding passes
- Booking confirmations
- Letters from authorities or public transport providers
- Notice of redundancy or similar proof of job loss
We understand that it can be a hassle, and sometimes difficult, to provide this type of documentation. But, it's really important to make sure you do. If you're unable to supply proof it could delay your claim or even lead to it being denied.
How much cancellation cover do I need?
When it comes to cancellation cover, coverage options can vary between providers. Most typically provide coverage that pays out up to £1,000, £2,500 and £5,000 depending on what cover level you need. In general, the higher the premium you pay, the larger the payout you could get. Some providers could even offer cancellation up to £10,000!
Just be sure to read the details so you know exactly what each policy includes. That way, you'll be able to find the right travel insurance for your needs. Sorted!
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