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Travel insurance cancellation cover
Help protect your holiday costs if life throws you a curveball.
If you’ve booked your trip and have a valid reason to call it off, cancellation cover may help you get back some of your eligible non-refundable costs. You could claim between £1,000 and £5,000 depending on your level of cover, with the option to extend this to a maximum of £25,000 for an additional premium.
Why cancellation cover matters
Whether your holiday is cancelled due to a sudden illness or you can’t travel for other circumstances, the right policy could help recover the amount you’ve already spent on 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:
- Unexpected illness, injury or death
- Being required to attend court or serve on a jury
- Cancelled leave (for members of eligible services)
- Involuntary redundancy
- Damage to your home caused by fire, flood, subsidence or burglar
- A stolen passport or visa that can’t be replaced in time for your trip
- Your dog or cat needing urgent veterinary treatment
- A child’s adoption proceedings if scheduled to take place during a pre-booked trip
- Finding out you’re pregnant after booking your trip or buying your policy, whichever happens later, and then being advised not to travel.
What we cover if your trip gets cancelled
If your claim meets our terms and conditions, we will cover pre-paid, non-refundable costs up to the value of your policy limit.
Examples of things you could claim for include:
- Travel and accommodation expenses
- Airport or port parking
- Car hire
- Airport lounge passes
- Excursions
- Travel permission costs (such as visas)
- Wedding and civil partnership costs (if you have added wedding cover to your policy)
What we cover if your trip is cut short
We know that things can also go wrong while you're away, so we've built in cover for curtailment too. This means we may be able to refund the cost of your unused accommodation and excursions, plus help with any extra expenses that might be incurred to get you home early.
Valid reasons to claim may include:
- Unexpected illness, injury or death (subject to you contacting our assistance team)
- Being required to attend court or serve on a jury
- Cancelled leave (for members of eligible services)
- Involuntary redundancy
- Damage to your home caused by fire, flood, subsidence or burglary
Terms, conditions, exclusions, limits and excesses apply to all of the above, so please read your policy wording for the full details.
Why buying travel insurance early makes a difference
Getting protection ahead of your journey means we have your back before you’ve even left.
For single-trip insurance, cancellation cover starts as soon as you buy the policy, with other benefits kicking in after you begin your holiday.
For annual multi-trip options, you’re covered for cancellations from the date you select when booking your policy. Choose one that provides suitable cover while ensuring that all of your breaks fall within the 12-month policy period.
We offer a range of options so you can decide which cover best fits your needs. Have a look at our Bronze, Silver and Gold levels for all the details.
Your questions, answered
What does travel insurance cancellation cover?
Cancellation cover could help you recover non-refundable costs such as travel expenses, accommodation and excursions should you need to call off your holiday before you leave. You will need to check your policy wording for all our terms and conditions to see if they apply.
When does cancellation cover start?
For single-trip insurance, cancellation cover starts from the day you book your policy. For annual multi-trip insurance, it starts from the date you choose during the booking process. You should be able to check your policy schedule for the exact dates of your cover.
Can I make a claim if I cancel my holiday because I’m ill?
If you cancel your holiday because of an illness, you may be able to make a claim providing it’s for a reason covered by your policy. You will need supporting evidence from your GP or consultant, and all pre-existing medical conditions must have been declared and accepted at the time of buying your policy. All policy terms, conditions and exclusions will apply.
What’s the difference between cancellation and curtailment cover?
Cancellation cover applies if you need to cancel your trip before you travel. Curtailment applies if you’re already on your trip and have to cut it short. Both are subject to your policy terms and conditions, so check the wording before you make a claim.
What costs can I claim back if my trip is cancelled?
If your claim is eligible, you may be able to recover non-refundable costs for things like flights, accommodation, airport parking, car hire, excursions and more. This will be in line with your policy limits, terms and conditions.
Disclaimer: Cover, limits and excesses vary by policy, cover level and optional extras selected. Eligibility criteria, terms, conditions and exclusions apply. Please read the Insurance Product Information Document and policy wording before buying.
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 Extrasâ„¢ 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.
