This covers meal and accommodation expenses if your flight is delayed for longer than a certain period (i.e. six or 12 hours) due to reasons out of your control.
If your flight is cancelled, this won’t compensate you for the cost of the tickets, as your airline will normally offer you an alternate flight. That said, they may not be obligated to reimburse you for flights.
Insurers usually offer travel delay cover as a part of cancellation cover.
This allows you to, as the name suggests, cancel for any reason! Although this policy may come at a higher price, cancel for any reason travel insurance will cover you even if you change your mind about a trip.
There are a few restrictions on this type of policy. For example, you won’t be able to cancel within a certain amount of time before your departure date (usually 48-72 hours). Furthermore, cancellation cover typically only reimburses 50-75% of your holiday costs, depending on your policy and insurer.
Furthermore, it’s only available if you purchase within a certain number of days of your initial accommodation deposit or the date you purchased plane tickets (usually 10-30 days). Note that not all insurers offer cancel for any reason cover.
If you need to cut your trip short because of an unforeseen event – such as a serious injury, illness or the death of a relative – this policy will cover the costs of having to return home. You may even be able to claim the costs of accommodation and travel that you have not used.
Most insurers won’t cover you if you want to cancel a trip because you changed your mind or didn’t organise it properly. For example, if you miss your flights because you slept-in or misplaced your documents, you won’t be covered for cancellation.
Other common reasons why cancellation insurance won’t cover you may include:
Note: Always check your insurer’s PDS to find policy-specific exclusions as exclusions can vary between insurers.
Your insurer may or may not cover missed flights, depending on the circumstances. If you miss your flights because you were disorganised, for example, you are unlikely to be covered. However, if you miss your flights because of the following reasons, you may be covered:
These guidelines may vary depending on your insurer and policy.
A policy limit is the maximum amount you can claim for each benefit. There’ll be policy limits for everything your policy covers, which will be outlined in your PDS. We highly recommend you understand the maximum amount you can claim before you take out cover.