What is Cancellation Travel Insurance?

Cancellation travel insurance is normally a part of most standard travel insurance policies that provides cover when a trip needs to be cancelled or interrupted due to unforeseen circumstances.

This type of cover is designed to protect travellers from losing money on non-refundable expenses such as flights, accommodations, and other prepaid travel arrangements.

The policy will specify when cancellation can occur, for what reasons and what items are refundable. Special conditions will apply to cruise travel insurance.

Coverage typically includes reimbursement for cancellation or interruption due to various reasons, such as:

Medical Emergencies: If you or a family member becomes ill or injured and cannot travel.
Death or Serious Illness of a Family Member: If a close family member passes away or becomes seriously ill, forcing you to cancel or cut short your trip.
Natural Disasters: Coverage may be provided if your travel plans are disrupted due to natural disasters like hurricanes, earthquakes, or floods.
Job Loss: Some policies may cover trip cancellations resulting from unexpected job loss or job-related issues.
Terrorist Incidents or Political Unrest: Coverage for trip cancellations or interruptions due to unforeseen political events or acts of terrorism.
Jury Duty: If you are required to serve on a jury and it conflicts with your travel plans.
Travel Supplier Bankruptcy: If a travel supplier, such as an airline or cruise line, goes bankrupt, leading to the cancellation of your trip.

It’s important to carefully review the terms and conditions of any cancellation travel insurance policy, as coverage can vary among providers.

Additionally, there are often specific conditions that must be met for a claim to be valid, so travellers should be aware of these and understand the limitations of their coverage. It’s advisable to purchase travel insurance as soon as you book your trip to ensure maximum coverage.

Trip Disruption

Travel insurance policies will normally provide some benefits relating to a trip disruption occurring as a result of events outside your control as well. The level of benefits and their inclusion does normally depend on the type of insurance policy taken out.

Cover and Benefits can Include

Cancelling your trip
Missed departure from country of originating flight
Delay of Flight
Having to abandon your flight
Additional Transport Costs as a result of abandonment
Cutting short a Trip
Substitute Accommodation
Missed Departure of Flights other than Originating Flight