Peace of mind before departure
You have booked your trip and are looking forward to it enormously. But what if you suddenly can't leave due to illness or a family emergency? A cancellation insurance protects you against this financial loss, so you get back the cost of your booked trip.
💡 Important:
Take out this insurance within 7 to 14 days after booking for full coverage.
When does the insurance pay out?
Coverage is broader than just falling ill before departure. Below are the most common valid reasons for cancellation:
Serious illness or accident
Applies to yourself, travel companions or family in the 1st/2nd degree.
Work & Dismissal
For involuntary dismissal or, conversely, a new job that starts during your trip.
Relationship breakdown
Provided you are officially cohabiting/married according to the civil register.
Damage to home
E.g. fire, storm or burglary just before departure that forces you to stay home.
Special Situations
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Pregnancy complications: When it becomes medically irresponsible to travel.
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Early return: Do you have to cut your holiday short due to an emergency at home? Then you get reimbursed for the unused travel days.
What is NOT covered?
Note: 'No longer feeling like going', bad weather at the destination or an argument with a travel companion (without an official relationship) are not valid reasons for reimbursement.
Excess
Some policies apply an excess. This means you pay a small portion of the costs yourself. Always check this in the conditions.
Still in doubt?
A cancellation insurance is separate from a travel insurance. See the difference.
To Travel InsuranceShort-term vs Continuous Cancellation Insurance
Which cancellation insurance suits you best depends on how often you travel. Below are the main differences.
Short-term Cancellation Insurance
Suitable for travellers who only go on holiday occasionally. You take out this insurance for one specific trip.
- Valid for one holiday or flight
- One-time premium
- Ideal for occasional travellers
Continuous Cancellation Insurance
Do you travel multiple times a year? Then a continuous cancellation insurance is often more economical and easier.
- Insured all year round
- No separate insurance needed per trip
- Often cheaper with multiple holidays
Frequently asked questions about cancellation insurance
When should I take out cancellation insurance?
It is wise to take out cancellation insurance immediately after booking your trip. With many insurers there is a limited period within which you are still insured against unexpected events.
What are valid reasons to cancel a trip?
Common valid reasons include illness, death of a family member, serious damage to your home or unexpected unemployment. Always check the insurer's policy conditions.
Do I always get my full trip cost back?
No, this depends on the policy conditions, the chosen insured amount and the reason for cancellation. Some costs or excesses may be excluded.
Am I insured if a family member falls ill?
In many cases yes. Cancellation insurance often provides coverage if a direct family member becomes seriously ill or dies before departure.
Does cancellation insurance also apply to flight delays?
Not always. Some policies offer additional coverage for delays or missed connections. Therefore, always read the conditions carefully.
Not sure if your situation is insured?
Use our AI Travel Assistant to better understand policy conditions, coverage and exceptions before you take out an insurance or file a claim.
Ask the AI Travel Assistant