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Why do I need cancellation cover?

What does cancellation insurance actually cover?



One of the many benefits of travel insurance is having cancellation cover, and if you’re offered a policy that does not include it, think carefully before you purchase. Not having any cover for cancellation can leave you high and dry with no way to recover unused travel expenses if you can’t go!

For those of you who have booked a last minute break, you may feel there is little or no risk of you having to cancelling your trip, and if this is the case, buying a travel insurance policy that excludes cancellation cover can indeed reduce your premium. But for those of us who plan our holidays in advance, it’s a good idea to have it. Here’s why:

  • What if you or the person you plan to travel with becomes unwell or has an accident before your departure date forcing you to cancel?
  • What if a close family relative becomes unwell forcing you to cancel?
  • What if anything happens to a close business associate and you need to cancel?
  • What if you are called as a witness at a Court of Law or for Jury Service?
  • What if you are made redundant and can no longer afford to travel?
  • What if the police or other authorities request you stay home due to serious damage to your home caused by fire, storm, flood etc?

Providing you are not aware of any known circumstances that could cause you to cancel at the time of taking out your policy, then unforeseen circumstances like the ones mentioned above are grounds to make a cancellation claim. Of course terms and condition will vary from policy to policy so make sure you check the small print.

If You Have Booked Your Trip, Get Cancellation Cover Now!

If you want value for money, then buy your travel insurance as soon as you have put down a deposit or paid for your holiday. This way you can take full advantage of the cancellation benefit and have protection right up until the moment you're due to depart. Think of it like this…. for every minute you don’t have cancellation cover in place, your money is at risk!

What Level Of Cancellation Cover Do I Need?

This really depends on how much your trip is costing. When comparing policies check that the Cancellation Cover limit is enough to cover the cost of your trip, including flights, accommodation and pre paid excursions. And, always check the excess. This is the amount you have to pay if you make a claim. It’s worth knowing if you under insure, you may only get a percentage of your holiday costs back and not the full cancellation limit!

Cancellation Cover For Pre Existing Medical Conditions

It’s important that you declare all of your pre existing medical conditions and anything you take prescribed medication for at the time of applying for travel insurance. You may have to pay an additional premium to have your conditions covered but by doing so, means you will be entitled to claim should your existing medical conditions be the reason you have to cancel. It is always best to have your travelling companions insured on the same travel insurance policy, that way they too can be covered for your pre-existing medical conditions and also look to claim for irrecoverable and unused travel expenses.

Unfortunately, most travel insurance policies will not cover you to cancel or cut a holiday short due to non-travelling relatives who become unwell because of pre existing medical conditions. Cover is available via specialist polices and we will be glad to help you with this.

 


This product is provided to Travel Insured by goodtogoinsurance.com who are appointed representatives of Ancile Insurance Group Ltd who are authorised and regulated by the Financial Conduct Authority – no.471641 By clicking the box at the foot of this page, you will be taken to our dedicated travel insurance site provided by goodtogoinsurance.com where you will be able to get a travel insurance quotation and view full policy information. The quotation you will obtain is provided on a non advised basis which means that no advice is given or implied and you are solely responsible for deciding whether the policy is suitable for your needs. Contact us if in doubt or if you require advice.

This insurance would meet the demands and needs of someone who wishes to insure their trip away from their home for cancellation costs, medical expenses and other specific risks required for that trip according to their individual circumstances..


If you experience any problems when using the site, contact us on 0845 850 1066.

I have read and understood the above detail

click here to obtain an online quote

This product is provided to Travel Insured by Ancile Insurance Group Ltd who are authorised and regulated by the Financial Conduct Authority - no.471641. By clicking the box at the foot of this page, you will be taken to our dedicated travel insurance site provided by Ancile Insurance Group Ltd where you will be able to get a travel insurance quotation and view full policy information. The quotation you will obtain is provided on a non advised basis which means that no advice is given or implied and you are solely responsible for deciding whether the policy is suitable for your needs. Contact us if in doubt or if you require advice.

This insurance would meet the demands and needs of someone who wishes to insure their trip away from their home for cancellation costs, medical expenses and other specific risks required for that trip according to their individual circumstances..

If you experience any problems when using the site, contact us on 0845 850 1066.

I have read and understood the above detail.

click here to obtain an online quote

This product is provided to Travel Insured by Ace European Group Ltd who are authorised and regulated by the Financial Conduct Authority – no.202803. By clicking the box at the foot of this page, you will be taken to our dedicated business travel insurance site provided by Ace European Group Ltd where you will be able to get a travel insurance quotation and view full policy information. The quotation you will obtain is provided on a non advised basis which means that no advice is given or implied and you are solely responsible for deciding whether the policy is suitable for your needs. Contact us if in doubt or if you require advice.

This insurance would meet the demands and needs of a business which wishes to insure business trips away from the UK for cancellation costs, medical expenses and other specific risks required for that trip according to their individual circumstances..

If you experience any problems when using the site, contact
us on 0845 850 1066.

I have read and understood the above detail.

click here to obtain an online quote

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Travel Insured is a trading style of Manor Insurance Services Ltd, registered office 93/97 Bohemia Road, St Leonards-on-Sea TN37 6RJ Company registration number 4824667.
Authorised and regulated by the Financial Conduct Authority 303639

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