Travel Insurance with Cancellation Cover

• Cancellation Fees: Cancellation travel insurance can reimburse you for non-refundable costs like flights, accommodations, and tours if you must cancel your trip for covered reasons. These typically include unforeseen events like illness, injury, or a death in the family, providing financial protection for your travel investment. 
• Lost Deposits: If your travel supplier goes bankrupt or ceases operations, your non-refundable deposits are protected by travel insurance. This coverage ensures you're not left out of pocket due to circumstances beyond your control. 
• Holiday Curtailment: If your trip is unexpectedly cut short due to covered events like natural disasters, medical emergencies, or other unforeseen circumstances, this benefit can compensate you for the unused portion of your trip, including accommodations and pre-paid activities. 
• Exclusions for Cancellation Fees, Lost Deposits, and Holiday Curtailment: 
• Pre-existing Medical Conditions: Cancellation coverage often excludes claims related to pre-existing medical conditions unless you have a specific waiver. It's crucial to disclose any existing conditions when purchasing insurance to ensure you have adequate coverage. 
• Change of Mind or Disinclination to Travel: Travel insurance won't cover you if you simply change your mind or decide you no longer want to travel. This emphasizes the importance of being certain about your travel plans before purchasing insurance. 
• Financial Hardship or Bankruptcy: Financial difficulties are generally not covered reasons for trip cancellation. It's essential to have a solid financial plan for your trip before relying on insurance for cancellations. 
• Self-Inflicted Injuries or Suicide Attempts: Travel insurance policies typically exclude coverage for any intentional harm caused to oneself, including self-inflicted injuries or suicide attempts. 
• Travel Warnings or Advisories Issued by the Government: If the government issues a travel warning or advisory for your destination, your insurance may not cover cancellations related to those warnings. It's crucial to stay informed about travel advisories before your trip. 
• War, Terrorism, or Civil Unrest: Events like war, terrorism, and civil unrest are typically excluded from standard travel insurance policies. You may need to purchase specialised coverage for these risks. 
• Nuclear Accidents or Radiation: Travel insurance rarely covers events like nuclear accidents or radiation exposure, as these are considered high-risk and unpredictable events. 
• Illegal Activities or Participation in High-Risk Sports: Engaging in illegal activities or participating in high-risk sports without proper coverage can void your insurance policy and lead to claim denials.  

Looking for travel insurance with cancellation coverage?

• Cancellation of Trip: If a traveller is diagnosed with COVID-19 and is unfit to travel, they may be covered for prepaid, non-refundable travel costs. 
• Additional Accommodation Expenses: If the traveller or their travelling companion tests positive to COVID-19 while overseas and needs to quarantine, they may be covered for additional accommodation expenses. 
• Cancellation of Trip - Close Contact or Isolation: If a traveller is deemed a close contact of a person with COVID-19 or is required to isolate, and these circumstances cause them to cancel their trip, they may be covered for cancellation costs.
• Denied Boarding - High Temperature: If a traveller is denied boarding on their pre-booked public transport (such as a flight) due to a high temperature, and they are subsequently diagnosed with COVID-19, they may be eligible for benefits. 
• Cancellation of Trip - Lockdown: If a lockdown is imposed and prevents the traveller from starting their journey, or if a lockdown occurs while they are overseas and they are unable to return home as planned, they may be covered for cancellation costs. 
• Repatriation Following Lockdown: If a lockdown occurs while the traveller is overseas, they may be covered for the costs of returning home, including additional accommodation and travel expenses. 
• Emergency Medical Expenses - COVID-19: If the traveller contracts COVID-19 while overseas, they may be covered for the cost of emergency medical treatment, including hospitalisation, surgery, and medication.