Travel Insurance for Trip Cancellation
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 27 June 2024, 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 27 June 2024 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 home, we may cover you if you have to cancel your trip under certain circumstances like:
- You or your immediate relative or travel companion 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.
- You're a student of a recognised school, college or university and you are required to re-sit an exam.
- Your home is damaged and becomes unsafe within 7 days of your trip start date.
- Travel documents belonging to you or your travelling companion are stolen within 7 days of your trip start date, therefore you are unable to leave Ireland.
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 up to 7 days before the certified departure of the trip against 'all travel' or 'all but essential travel' to a specific region or country, and that warning was first given after you purchased your policy and after you booked the trip.
Am I covered for Cancellation due to Coronavirus?
While epidemics and pandemics are excluded from the Trip Disruption sections of our policy, there are COVID-19 related benefits available to you.
Cover is available for for trip cancellation events which are outside of your control and caused by:
- You or your travelling companion are certified by a medical practitioner as too ill to travel as a result of coronavirus.
- Your immediate relative in Ireland being hospitalised or dying 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.
- 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.
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.
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 suitable medical facility 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 Disruption
- 24-Hour Medical Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 Emergency Medical Assistance
Whether you need medical assistance or emergency medical 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 Medical Assistance right now?
For policies purchased on or after 27 June 2024:
Phone: +353 4 69 017 022
For policies purchased before 27 June 2024:
+353 (0) 90 640 6460
FAQ
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.
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Is there a time period that I have to claim within?
We ask that claims are submitted no later than 60 days upon returning from your trip. If you are waiting on documentation, just let our customer service team know so they can make a note. The sooner a claim is made, the easier it is to get documentation and contact witnesses, as required.
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If I'm having trouble getting documents from my travel provider, will you get them for me?
It's up to you to provide all of the documentation to support your claim.
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Can I get a refund on my policy as I'm not travelling?
If you're making a claim, or you're outside of the free look/cooling-off period, you are not eligible for a refund.
Before your trip, check the latest government advice for any travel alerts for your destination.