Travel Cancellation Insurance
Cover for when you have no option but to cancel your tripWhat 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. All of our policies offer some form of cancellation cover, so whether you need an emergency operation right before you’re supposed to jet up the coast or you’re about to chase the Indonesian sun and a tsunami strikes, a travel insurance policy may be able to cover your out of pocket cancellation costs.
Why do I need travel cancellation travel 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. Our policies cover you against:
- 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
- Tuition fees, if the sole purpose of your trip was to attend a course
- Travel agent cancellation fees – depending on the policy or if hte full cost or deposit has already been paid.
- 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!
- Entertainment. We know you might be stuck somewhere and bored, but we don’t cover the cost of things to pass the time
- 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.
Choose a plan that suits your holiday.
We have four plans to select from with different levels of cover.
Trip cancellation FAQ's
Does travel insurance cover cancellation due to illness?
Yes, we can offer cover for cancellation due to a sudden illness or serious injury. A sudden illness or serious 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 'sudden illness or serious injury' that have specific definitions in our policy wording; when we've got a definition for a word or term, it will appear in bold and you'll find the meaning in the Glossary at the back of the policy wording
Can you buy trip cancellation insurance after booking a holiday somewhere?
Buying cover straight after booking your trip is the best time to buy it. Let’s say you book a solo trip to China to leave in three months. You set about getting your visa sorted and planning activities, with the intention of buying travel insurance a couple of weeks before you leave. A month down the line, your mum unexpectedly goes into hospital after being injured in an accident, not from a pre-existing condition. This not only means that you can’t go anymore, but that you lose thousands of dollars’ worth of flights, accommodation and tours. If you had booked your travel insurance as soon as you’d booked, you would be able to make a claim for money back.
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 with cancellation covers 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 to Australia. However, travel expenses are only covered if you have to stop the trip because you’re no longer fit to continue due to a serious illness or injury. If you’ve cut your trip short because someone close to you falls ill or dies unexpectedly and then you want to resume your trip, we may be able to cover this. For more information, see exactly what TID covers.
What about cancellations due to changes at work?
If you’re taking some hard-earned holiday leave from your job and your boss 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 Policy wording for full terms, conditions and exclusions and to ensure the product suits your needs.
What additional cover is available?
Medical cover
We can offer cover for overseas medical expenses if you fall ill while travelling
Pregnancy cover
Travel safely and securely during those first few months with our travel insurance for claims arising from pregnancy
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Cruise cover
Set sail knowing you can be covered across the seas with cruise travel insurance.
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