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As well as flights and accommodation, travel insurance should be top of your holiday to-do list. If you buy this as soon as you book, you’ll have financial protection should anything unexpected cause you to cancel your trip.
Holiday cancellation insurance is included with many travel insurance policies as standard, as well as cover for other essential items, such as medical expenses, lost or delayed baggage and personal liability.
However, as with all elements of insurance policies, the level of cover you get will vary between insurers, so make sure you compare your options before you buy cover with cancellation insurance. Generally, an insurance policy will only pay out if the circumstances that have caused you to cancel travel were unforeseen – and insurers will check records so don’t be tempted to lie.
For example, if you fall ill or injure yourself ahead of a trip, causing you to have to cancel, you should be covered so long as you didn’t know about the illness before you took your policy out, and it isn’t related to an undeclared pre-existing condition.
The serious illness or death of a close relative may also cause you to cancel a holiday and you’re likely to be covered for this, again so long as it’s unexpected. Make sure you find out what your insurer classes as a “close relative” though as this can vary.
Other unexpected events you may be covered for should they cause you to cancel include being called for jury service, being made redundant, and serious fire or weather damage to your house.
What's classed as a pre-existing condition? Can you extend your cover? If you're perplexed by your policy, our handy guide to all things travel insurance means you'll never get lost in the legalese again.Read moreabout Your travel insurance questions answered
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The Foreign, Commonwealth & Development Office (FCDO) provides valuable up-to-date travel advice for British citizens abroad. It is the best resource for reliable safety and security information. You can also find other important details, such as local laws, passport information and visa requirements. Stay safe abroad – check the FCDO before you travel.