Travel Insurance and Cancellation Cover

• Travel insurance benefits for trip cancellation
• What’s not covered when considering trip cancellation
• Is there cover for cancellation due to a coronavirus-related event?
• FAQs

Travel insurance benefits for trip cancellation

Trip cancellation protection with TID comes with a range of benefits, extending well beyond a cancelled flight. If your travel plans suddenly fall over, our cancellation coverage may also be able to help with:

• Reimbursement for unused pre-paid travel and accommodation expenses
• Coverage for return travel, accommodation, and meal costs if your trip is unexpectedly cut short
• Assistance with rearranging your travel plans prior to departure
• Travel agent cancellation fees, subject to policy terms and conditions
• Compensation for lost airline points due to cancellation.

Exactly what you’re covered for, and how much, depends on the travel insurance plan you choose and your chosen limit.

What’s covered under The Works Plan:

• Cancellation or holiday deferment costs to your chosen limit
• Agents’ cancellation fees sub-limit of $2,000
• Unlimited emergency travel arrangements and accommodation expenses
• Meals sub-limit of $500 (limit $75/24 hours)
• Emergency internet / telephone sub-limit $250
• Post-hospital accommodation of $500 (limit $100/day)

What’s covered under The Basics Plan:

• Cancellation or holiday deferment costs to your chosen limit
• Emergency travel arrangements and accommodation expenses to $5,000
• Meals sub-limit of $500 (limit $75/24 hours)
• Emergency internet / telephone sub-limit $250

What’s covered under Annual Multi-Trip Plan:

• Cancellation or holiday deferment costs to your chosen limit
• Agents’ cancellation fees sub-limit of $2,000
• Unlimited emergency travel arrangements and accommodation expenses
• Meals sub-limit of $500 (limit $75/24 hours)
• Emergency internet / telephone sub-limit $250
• Post-hospital accommodation of $500 (limit $100/day)

Compare our travel insurance plans in detail here.

What’s not covered when considering trip cancellation

While our trip cancellation protection offers cover for a wide range of events, there are certain things that simply aren’t covered. These include:

• 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 always going to be spending money on meals and accommodation anyway, regardless of the disruption. This is what’s called an expected expense.
• If you don’t follow government advice to ‘Do Not Travel’ to or through a destination or location. 
• A loss due to a pandemic, epidemic or World Health Organization declaration of a public health emergency of international concern.This does not apply to the Coronavirus travel costs benefit available on the Domestic, The Works and Annual Multi-Trip plans, which offers some limited cancellation benefits. 

Is there cover for cancellation due to a coronavirus-related event?

There is separate cover for cancellation for some coronavirus-related events under our Coronavirus travel costs benefit, which is available on the Domestic, The Works and Annual Multi Trip plans. Pandemic related events are excluded from our cancellation cover – this means if you want cover for cancellation for coronavirus-related events, you’ll need to purchase a plan with the Coronavirus travel costs cover benefit.

Need to make a claim?

Whether you need to make a claim or you simply like being prepared, knowing the claims process can save a lot of stress.

• Notify us and submit your claim as soon as possible
• Ensure you have all relevant documents relating to the claim, including medical certificates, original receipts, ticket, and luggage checks.
• Our claims service standard is to make a decision on your claim within ten working days upon the receipt of a completed claim form.

Don’t let unexpected cancellations ruin your travel plans. Get a quote today and protect yourself against unforeseen events!