Travel Insurance Direct

Travel Cancellation Insurance

Cover for when you have no option but to cancel your trip

What is travel cancellation insurance?   

At TID, our travel insurance automatically includes cancellation cover. That’s awesome, you think, but what does it mean? Well, if you have to cancel your trip, cover is available for costs on things like unused flights and pre-paid tours. The thing is, you can’t cancel a trip for any old reason. If something unexpected or out of your control happens and you have to cancel, cover is available. If you just don’t fancy going anymore, that’s all on you. Whether you need an emergency operation right before you’re supposed to jet up the coast or severe weather strikes, a travel insurance policy may be able to cover your out of pocket cancellation costs.

Why do I need travel cancellation insurance? 

Unfortunately, unexpected stuff happens. Of course, after booking a trip, you’ll be thinking of all the fun you’ve got planned, but it pays to have your bases covered. If the unforeseen happens before you set off, there is cover available from TID.
That’s why buying travel insurance as soon as you’ve booked, instead of last minute, is crucial.

There are so many reasons why you might need to unexpectedly cancel a trip, here are just a few we can offer cover for after you've purchased your policy:

  • You, or a travel buddy, are struck by illness (or worse) before or during your trip
  • A close relative or business partner suffers a serious illness or injury
  • A natural disaster hits the place you're travelling to
  • A natural disaster or fire destroys your home in Australia
  • You’re made redundant or your employer cancels your pre-approved leave

Travel insurance benefits if your trip is cancelled

The main advantages of cancellation insurance are the costs that are covered if you can no longer go on your holiday. Cover may be available for:

    • The cost of unused pre-paid travel and accommodation.
    • Costs of return travel, accommodation and meals if you have to cut your trip short 
    • The cost of rearranging your trip before you travel
    • Travel agent cancellation fees – depending on the policy or if the full cost or deposit has already been paid.
    • Value of airline points you may have lost due to the cancellation 

What's not covered when considering trip cancellation

  • Loss of income. If you have to miss a few days of work, we hope your boss is the forgiving type!
  • Expected costs. If you’re mid-trip, you were going to be spending money on meals and accommodation anyway, regardless of the disruption. This is what’s called an expected expense.

Trip cancellation FAQ's

Am I covered for Coronavirus (COVID-19)?

Cover is available for some Coronavirus related events on our Domestic plan and is explained in detail here

Does travel insurance cover cancellation due to illness?

Yes, we can offer cover for cancellation due to an illness or injury. An illness or injury is a condition which first occurs during your period of cover and results in you being certified as unfit to continue with the trip you had planned. If this happens before your trip starts, we can offer cover for prepaid airfares and accommodation that you're out of pocket for.' 'There are some terms like 'illness or injury' that have specific definitions in our PDS.

What happens if you need to cancel your trip after you depart?

If you need to cut your holiday short, don’t worry; our travel insurance cover accounts for this. If you have to interrupt your trip and head home as quickly as possible, we can cover travel, hotels and even meals that you need to pay for to get you back home. However, travel expenses are only covered if you have to stop the trip because you’re no longer fit to continue due to an illness or injury. Read the PDS for details.

What about cancellations due to changes at work?

If you’re taking some hard-earned holiday leave from your job and your employer decides you have to stay and cancels your pre-approved leave, then you’ll be able to make a cancellation claim. However, this only applies to full-time, permanent employees. So, if you’re a temp or just doing some part-time work for a company, you won’t be covered. Similarly, if you or one of your travel buddies is made redundant from a full-time job in Australia and you have to cancel your trip because of this, then we can offer cover if you have to cancel your trip, if you weren't aware that the redundancy was going to occur when you bought the policy.

Read the PDS for full terms, conditions and exclusions and to ensure the product suits your needs.

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