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Cancellable Travel Insurance
Plans change. Whether you want the flexibility to cancel your policy or you're looking for travel cancellation cover for trips and flights, here's everything in one place. Read about what's covered, what isn't, and how claims work.
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Cancelling your Holiday Extras travel insurance policy
Looking for cancellable travel insurance? In the UK, most policies include a cooling-off period.
With Holiday Extras Travel Insurance, you can cancel within 14 days of receiving your documents. As long as you haven't started your trip and haven’t made (or intend to make) a claim, we’ll give you a full refund.
After 14 days, you can still cancel at any time, but refunds are not usually given. In exceptional cases, we may consider one, please always contact us as soon as possible to discuss your situation.
Important to know:
- In some cases, we may need to cancel your policy. If this happens, we’ll give you 14 days’ written notice and refund the premium you’ve paid for the unused part of your policy period.
- Once a policy is cancelled, your cover ends, and you won’t be able to make a claim under that policy.
- Single Trip: You can cancel within 14 days of receiving your documents for a full refund (as long as you haven't travelled or claimed).
- Annual Multi-Trip: You can also cancel within the 14-day cooling-off period for a full refund (as long as you haven't travelled or claimed). After that, you may be entitled to a pro-rata refund for the time left on your policy. The exact terms can vary, so it’s best to check your policy documents.
It’s best to purchase your travel insurance as soon as you book your trip, so you’re covered straight away if you need to cancel.
Compare travel insurance cancellation cover levels
Cancellation & Curtailment Cover
| Bronze | Silver | Gold |
|---|---|---|
| Up to £1,000 | Up to £2,500 | Up to £5,000* |
*Or as specified on your schedule. See the full breakdown in our cover-level table and Policy Documents.
Cancellation cover explained:
Bronze policies cover up to £1,000, Silver up to £2,500, and Gold up to £5,000. Looking for extra protection? When you get a quote, you can increase Gold cover up to £10,000 (on non-cruise policies) or £15,000 (on cruise policies) when you get a quote.
Need more? Our optional top-up can cover up to £65,000 per person. To arrange this, just give us a call on 0333 188 0643 and quote WY992.
Travel Insurance For Trip Cancellation
Reasons why you can cancel your trip
Cancellation claims may be made for the following reasons, as long as they meet the terms and conditions set out in your policy wording. This only applies to policies purchased on or after 22 July 2026.
Per person or per policy?
Cancellation limits are generally per person, per trip on UK policies; always check your schedule and wording. Excesses also often apply per person/claim.
How to make a travel insurance claim for cancellation
Step 1: Contact your providers first (airline, hotel, tour operator) – collect written confirmation of refunds/credits declined.
Step 2: If they can’t help, make a claim with your supporting documents.
Step 3: Keep receipts and emails until your claim is settled.
Flight Cancellations
If your flight is cancelled by the airline, UK law (CAA guidance) says you must be offered a refund or rerouting at the earliest opportunity. You’re also entitled to care and assistance (meals, communications and, if overnight, accommodation) while you wait.
Eligibility for compensation depends on notice and cause, and “extraordinary circumstances” (e.g. severe weather) don’t qualify.
Travel insurance generally does not cover airline flight cancellations.
Tip: For package holidays, you may have additional protections through your tour operator/ATOL; check their refund policy first.
Cancel for any reason travel insurance: what it means
You might have heard about 'cancel for any reason travel insurance'. In the UK, standard policies don’t cover “change of mind”, which is why you won’t be able to claim simply because you no longer wish to travel.
Some companies offer cancel-for-any-reason-style add-ons that reimburse a partial share of trip costs when you cancel for reasons outside standard cover. Availability and reimbursement percentages vary by provider. Always check your schedule and policy documents.
Why choose Holiday Extras cover?
Our travel insurance is simple, with emergency medical cover, 24/7 emergency support, and AnywhereGP for non-urgent advice. Every policy also includes protection for both cancellation and curtailment. Getting covered is quick and simple, with instant quotes online and easy medical screening.
Over 40 years experience in travel services.
Voted Best Insurance Provider 16 years running – since 2009.
A choice of cover levels and add-ons to help you pick the policy that suits your trip
£10.4 million paid in 2025, providing reliable support when it matters most.
What our customers are saying about us
Let us answer your questions
What is “cancellable travel insurance”?
Cancellable travel insurance helps you recover your money if you need to cancel your trip for reasons covered by your policy. This usually includes things like illness, injury, or emergencies that stop you from travelling.
With Holiday Extras Travel Insurance, you can cancel within 14 days of receiving your documents, provided that you haven’t started your trip or made a claim.
Is cancellation cover standard?
Most travel insurance includes cancellation cover as standard, but the amount you can claim depends on your policy. Always check your policy details to see how much cancellation protection is included.
With Holiday Extras Travel Insurance, you’ll get clear cancellation cover designed to fit your trip. Take a look at our cover level table for a full breakdown of what's included.
If you paid for your holiday with a credit card, you may also have some protection through your card provider.
Does travel insurance cover cancelled flights?
If your flight is cancelled for a reason covered by your policy, you may be able to claim for your costs. Airlines may also offer refunds or alternative flights, so check with them first before making a claim.
If you have a policy with Holiday Extras, check your policy documents to see exactly what’s included.
Does insurance cover cancellation for any reason?
No. Travel insurance only covers cancellations for specific reasons listed in your policy. For example, illness, injury, or other emergencies. It won’t cover you if you simply change your mind or no longer want to travel.
Do I need to contact my providers before claiming?
Yes. Always speak to your airline, hotel, or tour operator first, as they may offer refunds or rebooking. If they can't help, then you may be able to claim through your travel insurance.
Does travel insurance cover cancellation due to illness?
Most travel insurance policies cover cancellation if you can’t travel because of illness. This usually applies if you, a travelling companion, or a close family member becomes unwell before your trip. You’ll need a doctor’s note or medical evidence to support your claim.
With Holiday Extras Travel Insurance, cancellation and curtailment cover is included as standard, protecting you if the unexpected happens. Cover can vary, so always check your policy documents to be sure what’s included.
AnywhereGP: 24/7 Medical Help
Powered by Air Doctor
We're thrilled to introduce AnywhereGP, powered by Air Doctor – your on-the-go medical solution abroad!
Included FREE with every Holiday Extras travel insurance policy, it provides fast, reliable medical support for everything from minor illnesses to urgent concerns, keeping you supported along the way.
Choose your cover
Planning a one-off getaway? Our single-trip travel insurance has you covered. If you travel more than once a year, save time, money and hassle with our Annual insurance – perfect for holidays abroad and UK getaways, all year round.
Single Trip Travel Insurance
Coverage for single-trips, protecting against unexpected events, emergencies, and trip cancellations.
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Annual Travel Insurance
Our annual multi-trip policies cover you for an unlimited number of trips over a twelve month period.
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Medical Travel Insurance
All medical conditions considered and 24/7 medical help available to you whilst you're abroad.
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Backpacker Travel Insurance
Let travel insurance be your safety net, ensuring your trip remains unforgettable for all the right reasons.
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Winter Sports Travel Insurance
Get cover for winter sports to safeguard you and your equipment throughout your trip.
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Holiday Extras Travel Insurance is sold and administered by Holiday Extras Cover Limited, registered office address: Ashford Road, Newingreen, Hythe, Kent CT21 4JF.
Holiday Extras Cover Limited is an insurance intermediary authorised and regulated by the Financial Conduct Authority, registration number 828848. You can check this on the Financial Services Register by visiting: http://register.fca.org.uk
Holiday Extras™ is a Trading Name of Holiday Extras Cover Limited. The insurance is underwritten by Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 1 Fen Court, London, United Kingdom, EC3M 5BN.
Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting: http://register.fca.org.uk
Our flight delay cover is underwritten by Astrenska Insurance Limited and serviced by Collinson Insurance Services Limited.
