Learn what's covered if you have booked and paid for your trip and unexpectedly need to cancel.
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For information relating to policies purchased prior to 14 July 2021 12:00am UTC, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 14 July 2021 please see below.
You haven’t even had a chance to pack your bags or get your passport and you get ill – so ill in fact that as much as you want to go on that planned overseas getaway you’ve been looking forward to, you aren’t well enough to do so.
That’s where our travel insurance for pre-trip cancellation kicks in. Sure, it can’t fix the disappointment you feel at not being able to travel or make you well, but it can help you recover the costs of cancelling your trip.
If you’re injured or medically unfit to travel, our policies offer cover for your non-refundable, pre-paid:
You’ll need to provide us evidence that your trip costs aren’t refundable, and if the airline or hotel says they’ll give you your money back, then you won't be getting a reimbursement from us.
This insurance is for when you’re seriously unwell and really can’t travel (for example, if you get appendicitis). If you’ve got a cold or mild attack of hay fever, we’re not going to be able to help you out.
In order to be covered, you must either be:
The coverage is conditional on the death, sudden serious illness (including any symptoms) or injury being unexpected and occurring after you booked and/or paid for the trip and after you purchased the insurance.
As part of our efforts to assist our global nomads in the Coronavirus (COVID-19)-era, we are now offering cover for some Coronavirus-related events.
While epidemics and pandemics (World Health Organization declarations of a public health emergency of international concern) are excluded from the Cancellation & Interruption and Travel Disruption sections of our policy, there may be some benefits available to you if you purchased our Explorer Plan which includes a Coronavirus Travel Costs section, providing you cover for additional Coronavirus-related events.
If you have purchased the Explorer Plan, you may have some cover for trip cancellation events which are outside of your control and caused by:
You can check out our Coronavirus article which has more information, including benefit limits, conditions and exclusions.
If you change your mind about your trip overseas or decide you might want to delay it then we won’t cover you for cancellation.
This coverage is for those situations where you are physically unable to hop on that plane, train or boat due to illness or injury. Other things we won’t cover include but are not limited to:
The policy isn’t designed to cover everything, so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.
Depending on your claim, you'll need copies of:
I have to cancel my trip to Tanzania because my wife had an accident and she is waiting for a scan of her back. I should fly to Berlin tomorrow, then Bergen and day after to Africa. It is impossible now because she is alone in the house and I have to take her tomorrow to hospital for another scan. I paid 900 pounds for a Kilimanjaro Climb which is not refundable as it is too close to departure. I paid a deposit for a 3 day safari and had to cancel flights and my volunteer job.
Protect your hard earned vacation from unexpected cancellation before you leave home.
We’ve got your back.
Take the pain out of medical costs while traveling overseas.
We’ve got your back.
We'll get you to hospital quickly.
Help starts here.
Cover your stolen or damaged gear and tech.
Help starts here.
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Phone:+353 21 237 8008 or +353 21 237 8003 (calls are not toll free. You can claim your itemised call costs)
Here are our most frequently asked questions about buying travel insurance for cancellation. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
Before your trip, check the latest government advice for any travel alerts for your destination.