admiral travel insurance flight cancellation

• Claim Details
• Claim Questions

Policy Details

Here are the details of your policy.

Policy Type Platinum Annual Multi-Trip

Policy Issue Date 01/04/2022

Travellers 2 Adults

Trip start date 25/04/2022

Trip end date 24/04/2023

Region worldwide

Please Answer

Before we start your claim we need to know if your policy has cover for your claim.

Before proceeding it will be helpful to have all your documents available relating to your claim and the trip you are claiming for. You should also check your policy documents and policy excess to ensure you have sufficient cover for the claim you are making.

I have checked the information and I want to proceed with logging a claim.

Please select the person who is registering the claim today.

Please note your claim will be saved as you progress.

Please read the following statement in full and confirm you are happy to proceed.

In order for us to deal with your claim it’s important that you provide full, honest and accurate information.

The details you provide will be recorded and may be shared with other organisations and checked against databases: this is to help prevent fraud.

We may share information with carefully chosen suppliers to assist with any claim.

Before you proceed, please be aware of the following:

Excess: Depending on the claim you make, you may also need to pay an excess. Please check that the amount you need to claim for isn’t less than your excess.

Travel Delay: If your flight was delayed by less than 12 hours, you will not be able to claim for travel delay but may be able to claim directly from your airline.

Flight Cancellation: If your flight is cancelled by the airline then you will only be covered if it is a result of strike, industrial action or mechanical breakdown and no alternative transport has been provided within 24 hours. Any other reason such as staff shortages are not covered and you will need to claim directly with your airline/tour operator for any costs incurred.

Personal Belongings: If you are looking to claim for any theft of an item, please make sure you have reported the item or items to the police.

0333 234 9914 (Mon-Fri: 9-5pm)

[email protected]

Help on each page

You can click on the blue question icon any page to find out more information on how to fill in your claim.

Are you experiencing a medical emergency abroad?

For 24/7 emergency support please call +44 (0)2920 107777

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

Trip Cancellation Insurance Explained

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What is trip cancellation insurance?

Covered reasons for trip cancellation, what is not covered by trip cancellation insurance, cancel for any reason trip insurance, is trip cancellation insurance expensive, different ways to get trip cancellation insurance, which insurance coverage is best for me.

When booking travel, particularly expensive trips consisting of nonrefundable reservations, it makes sense to consider trip cancellation insurance since it can protect your deposit if your plans do not materialize due to unforeseen events. However, not every reason for canceling a trip will qualify for coverage, so you’ll want to familiarize yourself with the basics of trip cancellation insurance.

Trip cancellation coverage can be purchased as part of a comprehensive travel insurance policy , or you can receive it for free when you hold certain premium credit cards. The benefit is designed to protect prepaid, nonrefundable reservations, including flights, hotel reservations and other bookings if the trip is canceled due to an extraordinary circumstance. Each policy will state exactly which events are considered valid reasons for cancellations.

With COVID-19 still affecting travel plans, you’ll want to pay close attention to which reasons for cancellation due to the pandemic are valid. For example, wanting to cancel a trip you booked a while ago because your destination now has rising COVID-19 numbers and you’re afraid to travel is not likely a valid reason.

If you want to be able to cancel a trip for truly any reason, consider the Cancel For Any Reason supplemental upgrade when purchasing your insurance policy. CFAR will allow you to get up to 75% of your trip investment back as long as the trip is cancelled at least two days before departure.

» Learn more: Does my travel insurance cover the coronavirus?

Imagine you’ve booked a two-week vacation to Italy costing $5,000 ($1,000 flight, $3,500 hotel and $500 excursions), all of which is nonrefundable. Then, a week before your departure date, you fall and break your leg.

So, what does trip cancellation insurance cover?

If you have trip cancellation insurance, you’ll be able to get your entire prepaid, nonrefundable trip cost back (as long as the entire amount was insured), since injuries that necessitate medical treatment and prevent you from taking your trip qualify as a covered reason.

Other covered reasons include death of your traveling companion, inclement weather that results in disrupted service, jury duty, terrorist incident, job termination and other extraordinary events.

Although this is not an entire list of all the covered reasons, generally the cancellation must be due to unforeseen circumstances to qualify for a reimbursement. Review the fine print of your policy for the details of exactly which reasons are covered. When seeking reimbursement, you’ll need to submit claims to the insurance provider to substantiate your claim.

Although a wide range of reasons allow you to receive your prepaid, nonrefundable travel expenses back in the event of a trip cancellation, there are important exclusions to know about.

Trip cancellation insurance will not cover losses arising from self-harm, foreseeable events, acts of war, taking part in activities considered dangerous (e.g., skydiving, bungee jumping, endurance races, etc.), a felony, childbirth, dental treatment and more.

» Learn more: How to find the best travel insurance

So what if you want the flexibility to cancel your trip for reasons other than those covered by your policy? For that, you're going to need the CFAR insurance mentioned above.

CFAR is often available as an add-on to travel insurance policies, and while it can come in handy if you want to cancel your trip just because, you're not likely to get all your money back.

Most CFAR policies will only reimburse 75% of your nonrefundable travel expenditures.

» Learn more: Best travel insurance with Cancel For Any Reason Coverage

The price of trip cancellation insurance can vary based on the traveler’s age, destination, length of trip, cost of trip and insurance company.

Using the same $5,000, two-week trip to Italy as mentioned above, a search of policies on SquareMouth (a NerdWallet partner) ranged from $115 to $470, representing 2.3% to 9.4% of the total trip cost.

» Learn more: How much is travel insurance?

All policies provide 100% coverage of the trip cost, however the more expensive plans usually have higher limits on benefits like medical evacuation.

If you’re only looking for trip cancellation coverage and no other protections, a policy equating to 2.3% of the total trip expenses seems reasonable.

On your travel credit card

Trip cancellation coverage can be included as part of a comprehensive travel insurance plan or offered as a benefit on premium travel credit cards.

For example, the Chase Sapphire Reserve® will reimburse you or your immediate family members up to $10,000 per trip. The Business Platinum Card® from American Express and many other American Express cards also offer up to $10,000 in trip cancellation coverage. Terms apply.

These premium cards also offer other insurance benefits like trip interruption coverage, emergency assistance services, trip delay and more.

If you travel often and typically purchase trip cancellation coverage, consider applying for one of the cards that offer complimentary travel insurance . Not only will you get trip insurance benefits, but you will also get other travel perks and statement credits that can partly offset the annual fee.

Supplement by purchasing policies out-of-pocket

If the coverage limits offered on the cards aren’t sufficient or you’re looking for more protections (e.g., coverage for emergency medical expenses), you’d be better off with a travel insurance . Although you’d incur an additional cost for purchasing a comprehensive plan, you’d have many more benefits not commonly found in the insurance policies offered by the credit cards.

A comprehensive trip cancellation policy is likely to cover canceled flights so long as the flight or flights are nonrefundable and are a part of the total, prepaid expenses covered by your policy. Insurance provided by travel cards typically includes trip delay or cancellation coverage so long as you used that card to pay for your flight reservations.

If you're forced to cancel your trip due to extraordinary circumstances beyond your control, travel insurance will provide coverage for some or all of your nonrefundable travel expenditures, depending on your policy. Covered events will vary, so be sure to review the terms of any plan you intend to purchase.

Trip cancellation insurance is available for purchase from a wide range of companies and is often included as a benefit on travel credit cards. Under certain circumstances, it provides coverage for prepaid travel expenses in the event that you cannot complete your trip as planned.

A comprehensive trip cancellation policy is likely to cover canceled flights so long as the flight or flights are nonrefundable and are a part of the total, prepaid expenses covered by your policy.

Insurance provided by travel cards

typically includes trip delay or cancellation coverage so long as you used that card to pay for your flight reservations.

If you’re going on a trip consisting of costly flights, hotel reservations and excursions and would like to protect your prepaid, nonrefundable deposit but do not need any other coverage, a minimally priced trip cancellation insurance policy is a good choice.

If you have a premium travel credit card , check if you already have trip cancellation insurance as a benefit before you purchase a policy.

However, if you’re looking for additional coverage like travel medical insurance , and/or a basic plan doesn’t have adequate limits, consider a comprehensive travel insurance policy from providers such as AAA , Allianz , and AIG . Read NerdWallet's full analysis of the best travel insurance companies here .

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

Protect Your Travel Plans: Trip Cancellation Insurance Explained and the 5 Best Policies

Jessica Merritt

Editor & Content Contributor

84 Published Articles 482 Edited Articles

Countries Visited: 4 U.S. States Visited: 23

151 Published Articles 740 Edited Articles

Countries Visited: 35 U.S. States Visited: 25

Keri Stooksbury

Editor-in-Chief

33 Published Articles 3134 Edited Articles

Countries Visited: 47 U.S. States Visited: 28

Best Cheap Trip Cancellation Insurance: battleface

Best extensive trip cancellation reasons: img, best comprehensive trip cancellation coverage: tinleg, best layoff protection: aegis, best cancel for any reason: seven corners, what is trip cancellation insurance, when to buy trip cancellation insurance, trip cancellation insurance covered reasons, cancel for any reason trip cancellation coverage, annual travel insurance, trip cancellation vs. trip interruption, is trip cancellation insurance worth it, credit cards with trip cancellation insurance, choosing trip cancellation insurance , final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

You’ve booked your flight, hotel, and tours and are ready to go on your trip — but what happens if you can’t make it? Unexpected circumstances can pop up that force you to cancel your trip, such as illness or natural disasters. If you can’t get refunds from travel suppliers, trip cancellation insurance can help.

Let’s look at what trip cancellation covers, whether you need a trip cancellation policy, and what you should know before shopping for a plan.

The 5 Best Trip Cancellation Insurance Policies

You’ll have plenty of options if you want a cheap, standalone trip cancellation policy, comprehensive travel coverage, or Cancel for Any Reason (CFAR) coverage.

Consider these trip cancellation insurance policies that offer good value and coverage, quoted for a 35-year-old visiting Mexico on a $1,500 trip in September 2023:

We were quoted just $20 for a battleface Discovery Plan with trip cancellation benefits up to $1,500. But that’s all it offers — you won’t get trip interruption coverage, medical coverage, evacuation, loss or delay, or other benefits offered by comprehensive travel insurance plans.

IMG’s iTravelnsured Travel Essential plan isn’t CFAR coverage, but it has multiple covered reasons for cancellation. You’re covered for foreign and domestic terrorism, financial default, medical reasons, and accommodations made uninhabitable. Our $35.92 quote offered up to 100% of the total trip cost for trip cancellation and 125% for trip interruption. 

TinLeg’s Basic travel insurance plan covers up to 100% of your total trip cost for trip cancellation , but you’ll also get other major travel insurance coverages. This plan we were quoted $41 for offers trip interruption, travel delay, baggage delay, emergency medical, evacuation and repatriation, and more. 

Like the battleface plan, Aegis Go Ready Trip Cancellation insurance covers up to 100% of your trip cost if you need to cancel — but not much else. But a big value-add is employment layoff coverage , which allows you to get reimbursed if you need to cancel your trip due to involuntary layoff or termination of employment. We were quoted $45 for this plan.

The Seven Corners Trip Protection Basic plan offers optional CFAR coverage, which reimburses up to 75% of your trip cost for reasons not otherwise covered by your policy. Regular trip cancellation and interruption coverage offer reimbursement of up to 100% of your trip cost. Our quoted cost for this plan came to $58.

Trip cancellation insurance is a type of travel insurance. With trip cancellation coverage, you can get reimbursement for nonrefundable prepaid travel expenses if you need to cancel your trip before departure. Trip cancellation is one of the main coverage areas for travel insurance, the other being medical emergency coverage.

Many comprehensive travel insurance policies offer trip cancellation coverage; standalone trip cancellation insurance is less common than comprehensive travel policies. Travel credit cards may offer trip cancellation coverage as a cardholder benefit, as well.

How Trip Cancellation Insurance Works

Trip cancellation insurance kicks in if you must cancel your trip due to unforeseen circumstances such as an illness, injury, or other covered reasons. You can get reimbursed for nonrefundable expenses if you have travel cancellation insurance and need to cancel your trip.

Covered nonrefundable expenses typically include:

• Hotels and vacation rentals
• Rental cars

Travel insurance policies with trip cancellation coverage often include trip interruption benefits. Similar to trip cancellation coverage, trip interruption benefits can help you recoup your costs if you need to delay or cut your trip short due to covered reasons.

You can usually purchase trip cancellation insurance up to the day before your scheduled departure. Still, you’ll get more value if you purchase insurance as soon as you make your first trip deposit . That way, your travel plans are covered from the start.

Unless you opt for Cancel for Any Reason travel insurance, trip cancellation insurance only applies to covered cancellation reasons. For example, you can’t use trip cancellation insurance to cancel your trip for a refund because there’s rain forecasted for your beach vacation. But, you could get reimbursement if a named hurricane forms after you purchased your policy.

Common reasons covered by trip cancellation insurance include:

• Death, including the death of a family member or traveling companion
• Government travel warnings or evacuation orders for your destination
• Home damage or burglary
• Illness, injury, or quarantine that makes you or a covered travel companion unfit to travel
• Legal obligations such as jury duty or subpoena
• Natural disasters such as hurricanes, earthquakes, or floods affect travel operations at your destination
• Terrorist incidents at home or your destination
• Travel supplier cancellation
• Unexpected military duty
• Unexpected pregnancy complications
• Unexpected work obligations

These are common covered reasons for trip cancellation insurance, but policies vary in coverage . Reviewing the terms and conditions of your trip cancellation insurance is a good idea so you understand what’s covered.

You should also understand what’s explicitly not covered. For example, changing your mind is not a covered reason on a standard trip cancellation insurance policy. And trip cancellation insurance typically doesn’t cover foreseeable events, routine health treatments, substance abuse, sporting events, mental health, acts of war, self-harm, or dangerous activities such as skydiving.

Need to expand your list of covered cancellation reasons? Cancel for Any Reason trip cancellation insurance is an option. 

You can use CFAR to cancel your trip for reasons not covered by trip cancellation insurance, such as changing your mind, fear of travel, unexpected obligations, weather, or budget concerns.

The catch? You’ll pay more for CFAR coverage , and it only reimburses up to 50% to 75% of your nonrefundable travel expenses. Generally, trip cancellation insurance offers 100% reimbursement for covered expenses. 

The other main stipulation is that you’ll need to purchase your coverage within a specified period , usually within 10 to 21 days of your first trip deposit. And to get reimbursement under CFAR, you must cancel your travel within the cancellation timeframe, usually at least 48 hours from your scheduled departure.

Most annual travel insurance policies, also known as multi-trip policies, cover trip cancellation for multiple trips taken within the policy period, usually 12 months. You’ll also typically get coverage for medical expenses.

Trip cancellation insurance covers your nonrefundable travel expenses if you have to cancel before departure, while trip interruption covers your trip costs after departure . For example, trip interruption coverage kicks in if you get injured while traveling and have to go home early.

Trip cancellation insurance can be worth it if you have nonrefundable travel expenses and there’s a risk you’ll have to cancel your travel due to unforeseen events. It offers financial protection if you’re traveling to a destination with potential risks such as natural disasters or political instability — or if you have risk factors at home, such as unpredictable work commitments or family members with health conditions that could interfere with travel. 

If you plan an expensive trip with nonrefundable bookings or deposits, trip cancellation is probably worth it. But if your travel is inexpensive, or most of your travel expenses are refundable, you might not need trip cancellation insurance.

Consider the cost of insurance, the likelihood you’ll need to cancel, and the cost of nonrefundable travel at stake when you decide if trip cancellation is worth it.

What Trip Cancellation Insurance Costs

A basic travel insurance policy with trip cancellation coverage generally costs between 5% to 10% of your trip costs . So a travel insurance policy for a $5,000 trip would cost $250 to $500. Your costs will be higher if you opt for CFAR coverage.

Factors that influence how much your trip cancellation insurance costs include traveler age, trip expenses, trip length, coverage options, and how many people you need to cover.

A comprehensive travel insurance policy with emergency medical or lost baggage coverage and trip cancellation coverage can offer additional value.

If you’re mainly concerned with trip cancellation coverage, look for cheap travel insurance policies that still offer this coverage, but have either nonexistent or low coverage limits for other coverage areas, such as lost baggage or medical evacuation .

You might not have to pay for trip cancellation insurance if you have the right credit card. Some credit cards offer trip cancellation and interruption coverage as a cardholder benefit. 

Credit cards with trip cancellation coverage generally provide between $2,000 to $10,000 per person in trip cancellation benefits, often covering trip interruption. 

For example, the Capital One Venture X Rewards Credit Card offers cardholders $2,000 in trip cancellation or interruption benefits per person. With the Chase Sapphire Reserve ® , cardholders get up to $10,000 per person in trip cancellation coverage with a maximum of $20,000 per trip and a $40,000 limit per 12-month period.

If your nonrefundable travel costs exceed the covered benefit offered by your credit card, you may prefer to purchase separate trip cancellation insurance.

If you only need trip cancellation and interruption coverage, your credit card may have adequate protection benefits.

Consider these factors as you shop for a trip cancellation insurance policy:

• Cost: Compare policy premiums and consider how the cost fits into your overall travel budget.
• Coverage Amount: Your trip cancellation coverage should cover all of your nonrefundable prepaid trip expenses. But a policy with too much coverage could be more costly than necessary.
• Policy Limits: Know the policy’s limits, including deductibles, exclusions, and limitations.
• Covered Reasons: A policy that offers a variety of covered cancellation reasons offers the most protection.
• CFAR Coverage: Understand whether CFAR coverage is included in the policy and its additional cost.
• Reputation and Customer Service: Read travel insurance reviews to learn about the experiences policyholders have had, whether they’re good or bad.
• Refund Policies: Understand what happens if you cancel your policy before the trip.

Travel insurance comparison sites such as Squaremouth make it easy to enter your trip details and get quotes from multiple insurance providers.

Trip cancellation coverage can provide valuable peace of mind if you’re concerned about losing nonrefundable prepaid travel expenses. It can be worth it if there’s a chance you’ll have to cancel your travel plans, and you’ll lose money on nonrefundable costs. Before you choose a trip cancellation policy, consider factors including cost, coverage, and cancellation reasons, and look at what’s covered with any credit cards you hold.

For Capital One products listed on this page, some of the above benefits are provided by Visa ® or Mastercard ® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

What is trip cancellation insurance for.

Trip cancellation coverage offers financial protection if you need to cancel or interrupt your trip due to unexpected circumstances. You can get reimbursement for nonrefundable prepaid expenses related to covered travel if you have to cancel your trip.

Is trip cancellation covered in travel insurance?

Most travel insurance policies cover trip cancellation coverage. Other common coverage areas include trip interruption and medical emergencies.

Does trip insurance cover cancellation for any reason?

Travel insurance can offer CFAR coverage, usually as an optional add-on. You can select a CFAR policy if you want more flexibility in canceling your trip and receiving reimbursement.

When should I buy trip cancellation insurance?

It’s best to purchase trip cancellation as soon as you have any money at risk on your trip, usually as soon as you book travel. Buying trip cancellation insurance after booking covers you for unexpected circumstances that could cause you to cancel your trip.

Was this page helpful?

About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

INSIDERS ONLY: UP PULSE ™

Get the latest travel tips, crucial news, flight & hotel deal alerts...

Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.

We respect your privacy . This site is protected by reCAPTCHA. Google's privacy policy and terms of service apply.

UP's Bonus Valuation

This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

How to Cancel Admiral Travel Insurance: The Ins and Outs of Cancellation

Are you looking to cancel your Admiral Travel Insurance? It can be hard to know what steps to take and where to start. I’ve been researching and studying the cancellation process for Admiral Travel Insurance, so I’m here to give you an overview of what’s involved.

In this article, we’ll cover the ins and outs of cancelling a travel insurance policy with Admiral from understanding your rights as a customer, checking if you’re eligible for any refunds or discounts, finding out which documents are needed for cancellation and more. We’ll even go into detail about how long it takes until your policy is cancelled – something most customers worry about when taking that big step! From start to finish this guide will provide all the necessary knowledge for successfully cancelling your travel insurance policy with Admiral!

Cancelling Your Admiral Travel Insurance Policy: A Step-by-Step Guide

So, you’ve booked that dream vacation, and along with it, you wisely purchased travel insurance from Admiral. But life happens, plans change, and now you find yourself needing to cancel your insurance policy. Don’t worry – I’m here to guide you through the process step by step.

First things first: gather all your policy information. You’ll need your policy number handy – it’s usually mentioned in the confirmation email or on the physical copy of your insurance documents. Once you have this important piece of information at hand, head over to Admiral’s website.

On the website, navigate to their customer service section – it’s usually located at the top right corner of the homepage. Look for a link called “Cancellation” or “Policy Cancellation.” Click on it and brace yourself for a new page full of possibilities (well… maybe not so exciting).

Once on the cancellation page, locate their cancellation form. It should be a simple online form that asks for basic details like your name, contact information, and most importantly – yes! You guessed right – that elusive policy number we talked about earlier!

Fill out all required fields diligently; don’t leave any room for ambiguity because accuracy is key when it comes to cancellations (and many other things in life). Double-check everything before hitting that submit button! And voilà! You’re one step closer to cancelling your Admiral travel insurance policy.

Now sit back and relax while they process your request (cue imaginary bubble bath). In a few days’ time – typically within 5-10 business days – expect an email confirming the successful cancellation of your policy along with any relevant refund details.

And there you have it – canceling an Admiral travel insurance policy made easy peasy lemon squeezy! Just remember: gather all necessary documentation beforehand; navigate through their website like a pro; fill out that online form accurately; wait patiently during processing; rejoice when confirmation arrives via email. Bon voyage!

Exploring the Reasons for Cancelling Admiral Travel Insurance

When it comes to canceling travel insurance, there can be a myriad of factors at play. Whether it’s due to unforeseen circumstances or a change in plans, cancelling Admiral Travel Insurance is a decision that should not be taken lightly. So, let’s delve into the various reasons why someone might choose to cancel their policy.

1. Change in travel plans: Life can throw unexpected curveballs our way, and sometimes these surprises can lead to changes in our travel itinerary. Perhaps you were planning on jetting off to an exotic destination but now find yourself needing to stay closer to home for personal reasons. In such cases, cancelling your travel insurance with Admiral would make sense since it no longer aligns with your revised plans.

2. Financial constraints: Money matters are often at the forefront of our minds when making decisions about insurance policies. If you’re facing financial difficulties and need some extra cash flow, cancelling your Admiral Travel Insurance could be an option worth considering – especially if you haven’t yet embarked on your trip and don’t anticipate any major risks during your travels.

3. Alternative coverage options: Sometimes, life presents us with alternative means of protection that we hadn’t previously considered or were unaware of. For instance, if you find out that your credit card provides sufficient coverage for unforeseen events during your trip (such as lost luggage or medical emergencies), then cancelling Admiral Travel Insurance may seem redundant and unnecessary.

All in all, each individual’s circumstances are unique when deciding whether or not to cancel their Admiral Travel Insurance policy. It’s important to carefully evaluate the reasons behind this potential cancellation before making a final decision – after all, peace of mind while traveling is priceless!

Understanding Admiral Travel Insurance: Coverage and Benefits

Admiral Travel Insurance is a reliable option for those looking to protect themselves and their loved ones during any unexpected travel mishaps. This comprehensive coverage offers peace of mind, ensuring that you can focus on enjoying your trip rather than worrying about potential setbacks.

One of the key benefits of Admiral Travel Insurance is its extensive coverage. Whether it’s medical emergencies, trip cancellations, or lost luggage, this insurance has got you covered. Imagine yourself basking in the sun on a tropical island when suddenly you fall ill – not an ideal situation, right? But fear not! Admiral Travel Insurance will take care of your medical expenses and even arrange for emergency repatriation if necessary.

Trip cancellation is another area where Admiral excels. Life happens and plans change unexpectedly; we’ve all been there. With this insurance plan, you won’t have to worry about losing out financially if unforeseen circumstances force you to cancel your trip last minute. Your non-refundable expenses like flights and accommodation will be reimbursed so that you can reschedule without breaking the bank.

Let’s talk about lost luggage – every traveler’s worst nightmare! However, with Admiral Travel Insurance by your side, this fear becomes unfounded. If the airline misplaces or loses your baggage during transit (trust me, it happens more often than we’d like), Admiral steps in to cover any financial losses incurred due to such an unfortunate event.

To sum it up briefly: Admiral Travel Insurance provides wide-ranging coverage for various travel-related situations including medical emergencies, trip cancellations, and lost luggage incidents. So next time wanderlust takes hold of you and calls out for adventure in far-flung destinations – remember to arm yourself with the protection of Admiral Travel Insurance before embarking on your journey!

A late Apple convert, Dom has spent countless hours determining the best way to increase productivity using apps and shortcuts. When he's not on his Macbook, you can find him serving as Dungeon Master in local D&D meetups.

Read more from Dom

Unlock Your Creativity: The Best Instagram Apps for Enhancing Your Posts

Argos order cancellation: how to quickly and easily cancel your argos order, leave a comment cancel reply.

Save my name, email, and website in this browser for the next time I comment.

Apps UK International House 12 Constance Street London, E16 2DQ

Privacy Policy

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova, Republic of; North Korea, Democratic People's Rep; Russia; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

Flight Cancellation Insurance: Your Questions Answered

How does flight cancellation insurance help when you make the decision to cancel your flight?

Your trip cancellation benefits can reimburse you for a canceled flight and other pre-paid, nonrefundable trip expenses—but only when you cancel for a covered reason .

Covered reasons are specific situations and events that, when they occur, mean you may be eligible to make a claim. It’s important to know that most travel insurance plans do not cover flight cancellation for any reason.

Your plan documents will list all the covered reasons for trip cancellation, such as:

• You or a traveling companion becomes seriously ill or injured, or develops a medical condition
• A family member who is not traveling with you becomes seriously ill or injured, or develops a medical condition
• A traveling companion or family member dies
• You need to attend the birth of a family member’s child
• Your primary residence is uninhabitable
• Your destination is uninhabitable

Flight cancellation insurance can’t reimburse you if you cover for a non-covered reason, such as:

• You oversleep and miss your flight
• You change your mind at the last minute and decide not to go
• Your dog gets sick
• You leave your passport at home, and the airline won’t let you board

Have questions about what can and can’t be covered? Contact us! We’re always here to help.

Is flight cancellation insurance worth it?

With airline cancellations and delays on the rise, it’s always smart to defend yourself with travel protection you can trust. When you get flight insurance as part of a complete travel insurance plan, you can travel without worrying about all the things that could go wrong. If cost is an issue, consider an affordable travel insurance plan such as OneTrip Basic or OneTrip Cancellation Plus .

Find the right travel insurance for your next trip.

Related Articles

• How To Deal With Travel Anxiety
• The Simple Guide to Airline Passenger Rights
• 5 Reasons Your Trip Cancellation Insurance Won't Cover You

Get a Quote

{{travelBanText}} {{travelBanDateFormatted}}.

{{annualTravelBanText}} {{travelBanDateFormatted}}.

If your trip involves multiple destinations, please enter the destination where you’ll be spending the most time. It is not required to list all destinations on your policy.

Age of Traveler

Ages: {{quote.travelers_ages}}

If you were referred by a travel agent, enter the ACCAM number provided by your agent.

Travel Dates

{{quote.travel_dates ? quote.travel_dates : "Departure - Return" | formatDates}}

Plan Start Date

{{quote.start_date ? quote.start_date : "Date"}}

Share this Page

• {{errorMsgSendSocialEmail}}

Your browser does not support iframes.

Popular Travel Insurance Plans

• Annual Travel Insurance
• Cruise Insurance
• Domestic Travel Insurance
• International Travel Insurance
• Rental Car Insurance

View all of our travel insurance products

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

Return To Log In

Your session has expired. We are redirecting you to our sign-in page.

• Home     Policy Wording Explained     What is Travel Abandonment?

[email protected]

What is Travel Abandonment?

Become an expert in all things travel with our monthly newsletter…

The day has come and you’re finally off on holiday. Your flight is delayed, and you’re left waiting for news, staring at the departure board, tired and frustrated – not the best start to your trip.

One of the biggest worries when you’re going on holiday are travel delays. But what if you’re left waiting so long because of a delay that you just want to abandon your travel plans?

What does travel abandonment cover me for?

If you decide to no longer go on your trip because of a delay and you are not offered any alternative transport within 24-hour time frame, travel abandonment will cover you if you want to cancel your trip.

Travel Abandonment cover will vary depending on your travel insurance provider so, make sure you check the policy wording before purchasing. Also bear in mind, this cover will only be available if you choose to abandon your travel plans whilst you are still the UK.

If alternative transport is offered within the time frame stated in your policy wording (usually 24hrs) and you still choose to abandon your travel plans, you may not be compensated.

It is important to note if the reason for you delay was foreseen or you didn’t check in/arrive at your boarding gate when instructed by the transport provider, be it airline, train line or ferry, then you also may not be covered under travel abandonment.

Do I need travel abandonment on my travel insurance policy?

When purchasing travel insurance, it’s better to be safe than sorry. This way you are not at risk of being left out of pocket, should you need to make a claim.

Depending on the policy you buy, the cover level for travel abandonment will vary, therefore it’s important that you read through the policy wording (don’t skim it) to ensure you are buying a policy that is best for you.

Is travel abandonment covered as standard under my policy?

Not all travel insurance policies will cover for travel abandonment as standard. If you would cover for this, then you should speak to your travel insurance provider or check the policy wording carefully before buying.

Keep in mind that your travel insurance policy is there to help you get back to the same financial position you were in before the event took place. Therefore, if your transport is delayed but you are offered alternative transport within the time frame (usually 24 or 12 hours) you may not be eligible to make a claim under your travel insurance.

It may also be worth opting for no excess if you want cover for travel abandonment. The policies tend to be a little bit more expensive but, you’ll be relieved you spent extra should you need to claim.

How does travel abandonment work when making a claim?

If you choose to abandon your plans, then you can claim back through your travel insurance.

To submit a claim, you will need to fill out a claims form, which should be on the insurer’s website, or you can call your provider for further instruction. This differs depending on your insurer, so check their ‘contact us’ or ‘claim information’ page.

Bear in mind that your travel insurer will only pay up to the limit of the policy, if your flight cost £700 but your cover limit is £500, then you would be at a £200 loss. So, make sure you are happy with these limits before purchasing your policy.

Before you go

Here are some more articles you might like:

Become an expert in all things travel with our newsletter...

Every month you will receive travel updates, advice for booking your next holiday and tips on how to understand your policy – and we promise to never share your email address!

STAY UP TO DATE

• Help and Support

Travel insurance and baggage cover

Article contents.

Tegan Oldfield

15 August 2023 | Updated 18 April 2024 | 5 minute read

It can be stressful if your luggage is either lost or is delayed  at the airport.

Your travel operator should compensate you if the loss is their fault, whether that’s at the airport or on alternative transportation. 

But having an appropriate travel insurance policy will cover you if your luggage is lost or stolen at any point during your trip, not just when you’re travelling. 

Below, we’ve explained what you should do if your bags are lost or delayed and how to choose the right insurance policy to cover you.

What to do when your luggage is lost or delayed 

If you’re at the airport and discover that your luggage is lost or delayed, you need to follow these steps.

Go to your airline’s help desk – report your baggage as missing.

Complete a property irregularity report (PIR) – include your personal details, information about the flight you were on, a detailed description of the lost luggage and a list of the items in it.

Check the airline's progress – some airlines have an online tracking service, saving you the hassle of calling them whenever you want an update on your bags.

Resolving your claim

Ideally, your bags will be found and returned to you as soon as possible. In the meantime, the airline  must pay reasonable compensation to cover essentials like clothes and toiletries.

Remember that the travel operator’s idea of ‘reasonable’ might differ from yours, so check before buying expensive replacements. Not all airlines compensate with upfront cash; you may be expected to reclaim costs once you’re home.

If your luggage is lost – not just delayed – and the airline can’t locate it within 21 days, you’re entitled to claim total compensation from them.

They’ll ask you for a list of your bag’s contents and receipts to prove that you owned the items you’re claiming for. You won’t get the cost you paid for your items when they were new. Your airline will probably deduct an amount for wear and tear. 

Travel insurance for your luggage 

If your airline loses your bags, contact them first  for compensation and follow the process above. However, your travel insurer may also reimburse you if you have the right cover.

Before buying your travel insurance , work out a rough value estimate for your luggage, then use this figure to decide what level of cover you need.

We offer personal belongings  cover of up to £1,000, £2,000 and £2,500, depending on the level of cover you choose. Personal belongings just means all the items you take on holiday with you. 

You may have also packed some valuables in your luggage. Some policies will have a separate valuables limit .

How to claim for lost or delayed luggage

If you’re making a luggage claim that’s been lost or delayed, you must have submitted a property irregularity report (PIR) . 

For any other lost luggage, you need to:

• Report the loss or theft to the police – within 24 hours of discovering your missing items. 
• Contact your insurer – so they can assist you with your claim.

When contacting your insurer, all the following documents can help support your claim:

• receipts 
• photographs 
• airline tickets
• luggage tags 

Your insurance provider will decide how best to compensate you – it might include paying for the cost of replacements or, in the case of damaged items, paying for their repair.

Note that you won’t receive the total cost of any more than a year-old items, as wear and tear will be considered.

Insuring valuables while travelling

Most policies include a single-item limit. This is the maximum amount you’ll be compensated for a single item. 

Some policies also include a separate valuables limit which is the total limit for all the valuables items you need to claim for.

For example, if you lost a £1,000 laptop and a £300 camera, but your valuables limit is £400, the latter figure is the maximum amount you’ll be able to claim, which could leave you £900 out of pocket.

It might be best to arrange cover separately from your general travel insurance policy for valuable items like this. You can receive extra cover by:

• Buying a gadget insurance add-on – this will cover tech items like cameras, mobile phones or tablets while travelling. 
• Arranging ‘away from home’ cover on your home insurance – since you need cover for these items all year round, it could be beneficial to insure them with the rest of your home contents. Some providers will need you to upgrade your insurance for your valuables to be covered away from home.  

Share with your friends...

Check out our related articles.

17 Mar 2023

Travel insurance explained

15 Aug 2023

Are your personal possessions insured for travel?

24 Oct 2022

Ultimate guide to hand luggage restrictions

5 star defaqto rated platinum level travel insurance.

https://admiral.com/magazine/guides/travel/insurance-for-lost-or-delayed-baggage

An official website of the United States government Here's how you know

Official websites use .gov A .gov website belongs to an official government organization in the United States.

Secure .gov websites use HTTPS A lock ( Lock A locked padlock ) or https:// means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.

Biden-Harris Administration Announces Final Rule Requiring Automatic Refunds of Airline Tickets and Ancillary Service Fees

Rule makes it easy to get money back for cancelled or significantly changed flights, significantly delayed checked bags, and additional services not provided  

WASHINGTON – The Biden-Harris Administration today announced that the U.S. Department of Transportation (DOT) has issued a final rule that requires airlines to promptly provide passengers with automatic cash refunds when owed. The new rule makes it easy for passengers to obtain refunds when airlines cancel or significantly change their flights, significantly delay their checked bags, or fail to provide the extra services they purchased.

“Passengers deserve to get their money back when an airline owes them - without headaches or haggling,” said U.S. Transportation Secretary Pete Buttigieg . “Our new rule sets a new standard to require airlines to promptly provide cash refunds to their passengers.”  

The final rule creates certainty for consumers by defining the specific circumstances in which airlines must provide refunds. Prior to this rule, airlines were permitted to set their own standards for what kind of flight changes warranted a refund. As a result, refund policies differed from airline to airline, which made it difficult for passengers to know or assert their refund rights. DOT also received complaints of some airlines revising and applying less consumer-friendly refund policies during spikes in flight cancellations and changes. 

Under the rule, passengers are entitled to a refund for:

• Canceled or significantly changed flights: Passengers will be entitled to a refund if their flight is canceled or significantly changed, and they do not accept alternative transportation or travel credits offered. For the first time, the rule defines “significant change.” Significant changes to a flight include departure or arrival times that are more than 3 hours domestically and 6 hours internationally; departures or arrivals from a different airport; increases in the number of connections; instances where passengers are downgraded to a lower class of service; or connections at different airports or flights on different planes that are less accessible or accommodating to a person with a disability.  
• Significantly delayed baggage return: Passengers who file a mishandled baggage report will be entitled to a refund of their checked bag fee if it is not delivered within 12 hours of their domestic flight arriving at the gate, or 15-30 hours of their international flight arriving at the gate, depending on the length of the flight.  
• Extra services not provided: Passengers will be entitled to a refund for the fee they paid for an extra service — such as Wi-Fi, seat selection, or inflight entertainment — if an airline fails to provide this service.

DOT’s final rule also makes it simple and straightforward for passengers to receive the money they are owed. Without this rule, consumers have to navigate a patchwork of cumbersome processes to request and receive a refund — searching through airline websites to figure out how make the request, filling out extra “digital paperwork,” or at times waiting for hours on the phone. In addition, passengers would receive a travel credit or voucher by default from some airlines instead of getting their money back, so they could not use their refund to rebook on another airline when their flight was changed or cancelled without navigating a cumbersome request process.  

The final rule improves the passenger experience by requiring refunds to be:

• Automatic: Airlines must automatically issue refunds without passengers having to explicitly request them or jump through hoops.   
• Prompt: Airlines and ticket agents must issue refunds within seven business days of refunds becoming due for credit card purchases and 20 calendar days for other payment methods.  
• Cash or original form of payment: Airlines and ticket agents must provide refunds in cash or whatever original payment method the individual used to make the purchase, such as credit card or airline miles. Airlines may not substitute vouchers, travel credits, or other forms of compensation unless the passenger affirmatively chooses to accept alternative compensation.    
• Full amount: Airlines and ticket agents must provide full refunds of the ticket purchase price, minus the value of any portion of transportation already used. The refunds must include all government-imposed taxes and fees and airline-imposed fees, regardless of whether the taxes or fees are refundable to airlines.

The final rule also requires airlines to provide prompt notifications to consumers affected by a cancelled or significantly changed flight of their right to a refund of the ticket and extra service fees, as well as any related policies.

In addition, in instances where consumers are restricted by a government or advised by a medical professional not to travel to, from, or within the United States due to a serious communicable disease, the final rule requires that airlines must provide travel credits or vouchers. Consumers may be required to provide documentary evidence to support their request. Travel vouchers or credits provided by airlines must be transferrable and valid for at least five years from the date of issuance.

The Department received a significant number of complaints against airlines and ticket agents for refusing to provide a refund or for delaying processing of refunds during and after the COVID-19 pandemic. At the height of the pandemic in 2020, refund complaints peaked at 87 percent of all air travel service complaints received by DOT. Refund problems continue to make up a substantial share of the complaints that DOT receives.

DOT’s Historic Record of Consumer Protection Under the Biden-Harris Administration

Under the Biden-Harris Administration and Secretary Buttigieg, DOT has advanced the largest expansion of airline passenger rights, issued the biggest fines against airlines for failing consumers, and returned more money to passengers in refunds and reimbursements than ever before in the Department’s history.

• Thanks to pressure from Secretary Buttigieg and DOT’s flightrights.gov dashboard, all 10 major U.S. airlines guarantee free rebooking and meals, and nine guarantee hotel accommodations when an airline issue causes a significant delay or cancellation. These are new commitments the airlines added to their customer service plans that DOT can legally ensure they adhere to and are displayed on flightrights.gov .  
• Since President Biden took office, DOT has helped return more than $3 billion in refunds and reimbursements owed to airline passengers – including over $600 million to passengers affected by the Southwest Airlines holiday meltdown in 2022.   
• Under Secretary Buttigieg, DOT has issued over $164 million in penalties against airlines for consumer protection violations. Between 1996 and 2020, DOT collectively issued less than $71 million in penalties against airlines for consumer protection violations.  
• DOT recently launched a new partnership with a bipartisan group of state attorneys general to fast-track the review of consumer complaints, hold airlines accountable, and protect the rights of the traveling public.  
• In 2023, the flight cancellation rate in the U.S. was a record low at under 1.2% — the lowest rate of flight cancellations in over 10 years despite a record amount of air travel.  
• DOT is undertaking its first ever industry-wide review of airline privacy practices and its first review of airline loyalty programs.

In addition to finalizing the rules to require automatic refunds and protect against surprise fees, DOT is also pursuing rulemakings that would:

• Propose to ban family seating junk fees and guarantee that parents can sit with their children for no extra charge when they fly. Before President Biden and Secretary Buttigieg pressed airlines last year, no airline committed to guaranteeing fee-free family seating. Now, four airlines guarantee fee-free family seating, and the Department is working on its family seating junk fee ban proposal.  
• Propose to make passenger compensation and amenities mandatory so that travelers are taken care of when airlines cause flight delays or cancellations.   
• Expand the rights for passengers who use wheelchairs and ensure that they can travel safely and with dignity . The comment period on this proposed rule closes on May 13, 2024.

The final rule on refunds can be found at https://www.transportation.gov/airconsumer/latest-news and at regulations.gov , docket number DOT-OST-2022-0089. There are different implementation periods in this final rule ranging from six months for airlines to provide automatic refunds when owed to 12 months for airlines to provide transferable travel vouchers or credits when consumers are unable to travel for reasons related to a serious communicable disease. 

Information about airline passenger rights, as well as DOT’s rules, guidance and orders, can be found at   https://www.transportation.gov/airconsumer .

We've detected unusual activity from your computer network

To continue, please click the box below to let us know you're not a robot.

Why did this happen?

Please make sure your browser supports JavaScript and cookies and that you are not blocking them from loading. For more information you can review our Terms of Service and Cookie Policy .

For inquiries related to this message please contact our support team and provide the reference ID below.