Does travel insurance cover holiday cancellations?
Most travel insurance products include cancellation protection. If you have to cancel your vacation due to unforeseen circumstances, it will reimburse you for any or all of your travel expenses, including flights, cruises, hotels, excursions, and so on.
You should check your policy to determine what types of cancellations are covered, but they usually include:
Is it worth getting travel insurance for UK holidays?
Medical treatment is provided free of charge by the NHS, so you won’t require UK travel insurance. However, it may be able to reimburse you for other issues that arise during your vacation, such as:
Consider what you’ll be bringing with you, what activities you’ll be performing, and how much you’ve already spent on flight and lodging to help you decide whether you need travel insurance for a UK trip.
It might not be worth it if you’re driving to stay with a relative and bringing nothing of great value.
However, if you’re going to Scotland with your snowboard, iPad, and camera, it’s something you should think about.
Do I already have cover with other insurance policies?
If you only require coverage for your luggage and belongings, your house insurance may be sufficient.
Check to see if your home contents insurance coverage covers personal belongings while you’re away from home. It’s usually an optional bonus that you have to pay for.
You should also double-check which belongings are covered and that the coverage limit is sufficient for whatever you’re bringing with you.
If you have a breakdown policy, it may cover the cost of transporting you home or to your destination if you’re driving. Make sure your policy covers national travel as well as onward travel.
If something goes wrong during your trip to the UK, home insurance and breakdown coverage can be helpful, but neither will cover as many scenarios as a travel insurance policy.
How long does it take for Jet2 to refund?
Please allow up to 14 days for a refund payment to reach your account if we’ve contacted you about it. If it’s been more than 14 days, it’s possible that a refund was unsuccessful, such as if your card has expired; in that case, we’ll contact you as soon as possible to obtain updated account information.
Is there a travel insurance that covers COVID-19?
If you’ve had all of your vaccinations, you’ll be able to go abroad without a visa starting November 1st. However, transit and destination countries may impose entrance limitations, such as quarantine requirements. Check sure you can purchase travel insurance for the destination you plan to visit before you depart.
When you book a ticket or trip with some tour operators or airlines, you may be eligible for free ‘COVID insurance.’ Always read your travel insurance coverage to make sure you’re aware of what it covers. It’s possible that free ‘COVID insurance’ just covers COVID-19 and nothing else. It may also be granted by an overseas insurance company, putting it under the jurisdiction of that country’s regulations. If this is the case, it is unlikely to be a suitable substitute for comprehensive Australian travel insurance.
Even if you are unable to obtain coverage for COVID-19, travel insurance is still required. Traveling does not always go as planned. If you become sick while traveling, have to cancel your plans, or your luggage and important documents are lost or stolen, and you don’t have travel insurance, you’ll have to cover the charges out of your own money. If you’re still not convinced, check out CHOICE’s explanation of why you should buy travel insurance.
Checklist
- Is the Smartraveller advise level for the countries you’ll be visiting covered by your insurance? Many destinations are currently classified as level three – ‘Reconsider your need to travel,’ and not all travel insurance companies cover them.
- Is evidence of insurance for COVID-19-related medical expenses required by your destination? Singapore, for example, demands a minimum of SGD $30,000 in coverage.
- Is your vacation covered for the entire duration? Can you, for example, extend your coverage if you have to stay in a foreign country longer than intended due to a flight cancellation?
- Are you protected for stopovers on your journey to your destination? Is there a time limit on how long you may stay at the stopover location? What happens if you’re stranded for a long time?
- Are you protected if you or a traveling companion tests positive for COVID-19 and you can’t travel or your stay is extended? What if you’re forced to isolate yourself because you’re in close proximity to someone who has tested positive?
- Are you reimbursed for cancellation charges if a business colleague or a family member back home gets COVID-19 and you have to leave sooner than planned?
- What if you were planning on staying with someone but they have COVID-19? Or is your hotel or tour company forced to close as a result of COVID-19? Are your out-of-pocket costs covered?
- If you’re going on a cruise, take extra precautions. For multi-night cruises, some travel insurers may not provide COVID-19 coverage.
- Are you protected in the event of a claim resulting from government travel bans, border closures, or enforced quarantine/self-isolation rules at your destination?
The Bradstone* family from Melbourne was planning a visit to Queenstown, New Zealand, to see relatives. However, due to a lockdown in Melbourne, they were forced to cancel their trip. Their claim for cancellation costs was denied by their travel insurer.
- Make sure you’re protected if your leave is canceled due to a COVID-19 outbreak if you’re an important healthcare professional like a pharmacist, nurse, doctor, or paramedic.
Ask your travel insurer and read the product disclosure statement for answers to these questions (PDS). Read our tips on how to read the PDS for further information.
Does travel insurance cover you if someone else booked?
Yes, you can still buy travel insurance if your vacation is paid for by someone else.
Even if someone else is paying for your trip, you can still get travel insurance. You can protect the prepaid and non-refundable travel expenditures associated with yourself, even if they were paid for by someone else, if you want to include Trip Cancellation coverage on your policy.
Even if your trip was booked by someone else, the booking date given on the quote form should be the initial date a booking was made for your trip.
You would be needed to submit documentation of the trip costs, such as invoices, receipts, and credit card statements, if you filed a Trip Cancellation or Trip Interruption claim.
Are Jet2 flights ABTA protected?
Protection from ABTA and ATOL We always put our consumers first at Jet2holidays. Every package holiday purchased with us comes with ATOL and ABTA protection, which is one of the ways we ensure your safety.