Holiday Cancellation Insurance

When you think of travel insurance, more often than not you’ll think of protecting yourself whilst you’re away. Although that is the most important thing, travel insurance can also help you to protect your actual holiday and the money you’ve spent on it, before you even begin your journey!

Holiday cancellation insurance is included within travel insurance policies to help protect you if things don’t go to plan leaving you unable to travel. Although missing out on your holiday might be disappointing, cancellation insurance can help avoid the further disappointment of losing all the money you’ve paid for it.

Depending on the reason you have to cancel, you can be reimbursed for things like loss of accommodation, unused flights, car hire and excursions that you have paid for already.

At Allianz Assistance, we offer a level of insurance that’s appropriate for most travellers. Different policies provide varying levels of cover, so it’s important that you read your policy documents carefully and understand exactly what you’re covered for.

Our Single Trip, Annual and Backpacker policies all suit different needs. Plus, our Bronze, Silver and Gold policies provide you with different levels of cover and claim limits. Depending on which policy you choose, you’ll be covered for:  

  • Cancelling or cutting short your trip
  • Emergency medical and associated expenses
  • Loss of passport*
  • Delayed personal possessions
  • Lost, stolen or damaged personal possessions*
  • Loss of money*
  • Personal accident
  • Missed departures
  • Delayed departures
  • Personal liability
  • Legal expenses
  • End-supplier failure**

*Not available with Bronze cover.

**Only available with Gold cover.

Terms and Conditions apply. 

We also have a number of add-ons that you can purchase for your trip that will provide you with additional cover. For example, if your holiday  involves a cruise, then our Cruise cover can help to protect you against cruise-specific risks like cabin confinement and itinerary changes. Furthermore, if you are looking to do more adventurous activities during your trip, our Sports and Leisure cover could give you more peace of mind during your excursions. 

When you take out a travel insurance policy with cancellation cover, it is important to understand exactly what is covered and when the cover begins and ends.

With our Single trip and Backpacker policies, you should select your policy to run from the date you leave your home to start your trip, to the date you return home. Once you’ve bought the policy, cancellation cover will be provided for the travel arrangements you have already made (or make at a later date) for your trip. Cancellation cover ends as soon as you start your trip - after this point it is seen as a curtailment or cutting short your trip.

Annual multi-trip policies are slightly different as you may have several trips planned, some of which may not have even been booked! Cover on the policy runs for 365 days from your chosen start date. The cancellation cover applies to travel arrangements booked or due to take place during this time, but only up to the point you start the trip or your policy expires (whichever is soonest). 

One of the most common reasons for holiday cancellations is through illness.

Our policies can provide cover if you or (depending on your group dynamic) a travelling companion are taken ill and are unable to travel. Under certain circumstances, this cover can also extend to relatives or business colleagues who are not travelling, if seen to be medically necessary that you cancel.

Please note that if the illness is already known to you (a pre-existing medical condition), you will have to declare this when taking out your insurance or booking your travel arrangements. Please call our confidential helpline on 0371 200 0428 to make sure your cover is not affected. Lines are open 9am-5pm Monday to Friday.

Although it is unfortunate when something unexpected happens during your travels, we can help provide a silver lining.

If you need to make a claim on your travel insurance, simply file a claim and provide the necessary supporting documents. We will process your claim quickly and are available to answer any questions you have.

The quickest way to file a claim is to use our secure online service, click here

Alternatively, you can file a claim by calling 020 8603 9958. Lines are open 9am-5pm Monday to Friday.

Having a European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) will entitle you to the government-provided healthcare of the European Union country you are visiting, lowering the medical costs you would normally expect to pay. Although this is a good addition to take on holiday, having a travel insurance policy as well could provide you with further protection and peace of mind whilst you are abroad. Our travel insurance policies can protect you against many unforeseen eventualities.

A lot of bank accounts or credit cards come with varying levels of travel insurance cover. Although some may be comprehensive and suitable for most trips, they may not cover you for everything you have planned whilst you’re away. If you have adventurous plans or unusual excursions booked for your trip, you might not be covered. Make sure you look into the travel insurance policy that you have before every trip, to make sure it’s suitable for you and your plans.

Purchasing a holiday using a credit card means you are often protected by Consumer Protection cover that is offered on purchases when a provider defaults and you are unable to receive your goods (or in this case, go on your holiday). This means that, in most cases, you can get your money returned to you before going on your trip.

If you have booked a holiday through a tour operator or travel agent, it may be worth checking if you are covered by ABTA (Association of British Travel Agents) or ATOL (Air Travel Organiser’s License). This type of cover means that your package holiday is protected if, for example, the travel company providing your holiday arrangements or the travel agent themselves fail financially or close down. Your travel agents will be able to tell you if your holiday is ABTA or ATOL protected. Alternatively, use the links provided to check your cover at home.
Travel the world in style with a cruise holiday. Our Cruise travel insurance includes cover for the over 65s, so you can sail away without a care in the world. 
If you’re planning to travel more than once this year, why not consider buying Annual travel insurance for the over 65s? It can save you time and effort, because the one policy can cover you for multiple trips.
Fancy playing golf in the sunshine? Our Seniors travel insurance can be upgraded to include golf cover, so you’ll only need to worry about booking a tee time.
Get active on holiday with our Sports and Leisure insurance. Here at Allianz Assistance, we provide cover for a range of activities including cricket, fishing and swimming. 
Whether you’re holidaying in the UK, Europe or somewhere else in the world, our Single Trip travel insurance for seniors offers protection whilst you’re away.
It can be hard to find travel insurance when you’ve got pre-existing medical conditions, but selected policies from Allianz Assistance include cover for many of these medical conditions – so you can enjoy your holiday knowing you’re insured. 
Alternative Cover Options For Pre-existing Medical Conditions

If you have a pre-existing medical condition that we are unable cover under our own policies, you may be able to obtain an alternative travel insurance policy to cover pre-existing medical conditions by contacting our partner Free Spirit.

Visit: the Free Spirit website 
Call: 02392 419 852 and quote MAG10000 (Lines are open 8am to 6pm Monday to Friday).

Free Spirit are featured in the Money and Pensions Service (MaPS) directory of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need. To contact the Money Advice Service for further details of the directory

Call: 0800 138 7777 (lines are open Monday to Friday, 8am to 6pm)