Photo © Pierre-Luc Bernier/IStock

Travel Insurance for Cancellation

For when you have to cancel your trip because you or a close relative falls unexpectedly ill

    Trusted by:

  • Trusted by:

For information relating to policies purchased prior to 17 June 2021, 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 17 June 2021 please see below.

Cancellation insurance is there for when life throws you a curve ball, making sure you’re not out of pocket if you’ve had to put your journey on hold.

From jury duty to an unexpected illness or redundancy, there are many reasons why you may have to stay put in Ireland instead of taking a cooking class in Chiang Mai… even if that’s the last place you want to be.

What’s covered by Cancellation insurance?

As long as you haven’t left Ireland, we may cover you if you have to cancel your trip under certain circumstances like:

  • You or your close relative or a member of your travelling party is injured, gets a serious illness or dies.
  • You are unexpectedly called to do jury service or appear in court as a witness (but not as an expert witness).
  • You’re made redundant.
  • Your home or business becomes uninhabitable within two weeks before your journey’s departure date.
  • There’s been a theft from your home within two weeks of your journey’s departure date and the An Garda Síochána want to speak to you about it.

In addition, travellers with the Explorer Plan may be covered if the Department of Foreign Affairs (DFA) (or a similar body in the circumstances) issues a travel warning of ‘Do Not Travel’ or ‘Avoid Non-essential travel' for your intended destination.

Am I covered for Cancellation due to Coronavirus?

While epidemics and pandemics are excluded from the Cancellation and Curtailment 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. 

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 or a member of your travelling party being diagnosed with coronavirus.
  • Your close relative in Ireland being hospitalised or dying due to coronavirus.
  • You or a member of your travelling party who are permanently employed as a healthcare, residential care worker or law enforcement officer having pre-approved leave cancelled due to coronavirus.

Our article What’s covered for Coronavirus explains the benefits available if you get COVID-19 and need urgent assistance.

What’s not covered by travel insurance?

There are a number of things you’re not covered for if you cancel your trip. These include but are not limited to:

  • Pre-existing medical conditions as explained in the Policy Wording.
  • The policy excess.
  • Additional costs incurred as a result of not immediately telling the travel agent, tour operator or provider of transport or accommodation that you need to cancel the trip.
  • Costs recoverable from elsewhere.
  • Costs incurred by travelling party members who are not on the Certificate of Insurance.

Be prepared if you need to claim for cancellation. Depending on your claim, you'll need copies of:

  • Receipts
  • Itineraries
  • Doctors’ reports/death certificates
  • Medical history
  • Written documentation from the travel provider of reasons for cancellation and any refunds

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 there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.

Be prepared if you need to claim for cancellation or curtailment.

Depending on your claim, you'll need copies of:

  • Receipts
  • Itineraries
  • Doctors' reports/death certificates
  • Medical history 
  • Written documentation from the travel provider of reason for cancellation and any refunds

Wife's accident cancels Kilimanjaro

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.
Claim Paid: USD $1,536.33
S.K. Norwegian Nomad.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

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?

Contact the team

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.


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. If you’re looking for general travel advice, you can ask our community at Ask a Nomad.