Travel insurance with cancellation cover

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A guide to travel insurance with cancellation cover

Last updated March 8, 2024
Written by Tiana Lee-Collins
Reviewed by Adrian Taylor

What is cancellation cover on travel insurance?

Travel insurance can help you recover or limit your losses if unexpected and unforeseen circumstances cause you to cancel or cut short your domestic or international trip. The maximum amount you can claim will depend on the policy limits set by your insurer. While many comprehensive travel insurance policies have unlimited cancellation cover, there may still be sub-limits and exclusions that will affect the amount you can claim.

Cancellation cover or cover of lost deposits and cancellation fees is typically available in both single-trip and annual multi-trip policies and is often included automatically with a comprehensive level of cover.

Keep in mind, travel delay cover is separate to cancellation cover as it only covers instances where flight delays require you to pay unexpected, additional expenses for accommodation if you become stranded. Travel insurance can also cover you if you miss out on your already pre-booked accommodation.

Expert tips on finding the right travel insurance with cancellation cover

Is travel insurance with cancellation cover something you should consider? Our Executive General Manager of General Insurance, Adrian Taylor, has these tips to help you decide which travel insurance policy would suit your journey.

Adrian Taylor
Executive General Manager – General Insurance

Purchase your policy as soon as you book your trip

Compare and purchase comprehensive travel insurance as soon as you make a booking and pay any deposits so you may have cancellation cover from the start should you need to cancel your trip. If you purchase cover after an event that causes you to cancel your trip, your claim may be refused.

Consider what other cover you may need

Beyond cancellation cover, you may want to make sure you’re covered for medical expenses and lost or stolen luggage, as well as any additional cover you may need such as rental vehicle excess. If you’re going on a cruise, you will need cruise cover to be covered for cruise-related cancellations. Always read the Product Disclosure Statement (PDS) and the Target Market Determination (TMD) to understand and make sure you have the cover you need.

Check if you’re covered for COVID-19

While many insurers are providing cover for COVID-19 related losses, such as cancellations if you are diagnosed with COVID-19, in most cases you will need to purchase their top tier cover or their comprehensive policy for COVID-19 cover to be included. Look for the COVID-19 icon on our website when you compare products.

What you should know about travel insurance with cancellations

What’s covered by travel cancellation cover?

Examples of circumstances generally covered by insurers

Does travel insurance cover cancelled or missed flights?

What else is included in my travel insurance policy?

Common exclusions from travel insurance that covers cancellations

What evidence do I need for my travel insurance claim for a cancellation?

Types of cancellation cover

What cover options are available for travel insurance with cancellation cover?

Travel delay cover

Cancel for any reason cover

Trip curtailment

Meet our travel insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As the Executive General Manager of General Insurance, Adrian Taylor believes in educating customers about the importance of travel insurance so that anyone can kick back and make the most of their time away from home. While no one wants a disrupted holiday, a suitable travel insurance policy can provide a financial safety net for yourself, your belongings and your trip in case things go wrong.