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Can Cancel Holiday Due To Ill Health?

Facing ill health can throw a spanner in your holiday plans, leaving you worried and unsure about what to do next. Thankfully, travel insurance may offer a safety net by covering cancellations due to illness.

This article will guide you through the process of cancelling your trip because of unexpected sickness, including how to make a claim and understanding what is covered. Read on for peace of mind.

What is Travel Insurance Cancellation Cover?

Travel insurance cancellation cover provides protection if you have to cancel your trip for specific reasons, offering reimbursement for non-refundable expenses such as flights and accommodation.

It also typically covers cancellations due to unexpected illness or injury, providing peace of mind when planning your travels.

Definition and purpose

Travel Insurance Cancellation Cover is insurance you buy to get your money back if you can’t go on your trip because of sickness. If you or a close family member gets ill suddenly and it was not expected, this cover helps.

It means you won’t lose all the cash you paid for your holiday or have to deal with huge bills.

The main reason for this cover is to protect travelers from losing their hard-earned money due to health issues that come up without warning. This includes both physical and mental health problems, such as depression or an injury.

When people plan trips, they don’t think they’ll need to cancel because of illness. But if something like this happens, having cancellation cover through a solid insurance company makes a big difference.

It offers peace of mind knowing that unexpected medical conditions won’t ruin financial plans for travel.

What it covers

Travel insurance cancellation cover can be a safety net if you fall ill unexpectedly before your holiday. It ensures that you are not out of pocket if sickness forces you to cancel your trip.

  1. Sudden illness or injury: The policy steps in if you or a family member gets sick or hurt and can’t travel. This must be something that wasn’t expected.
  2. Death of a close relative: If a family member dies suddenly, the insurance covers the cancellation costs.
  3. Emergency medical treatment: Coverage includes situations where immediate health care is needed, preventing travel.
  4. Pre-existing medical conditions: Some policies cover these as long as they are declared and accepted at the time of purchase.
  5. Mental health issues: Cancellation due to serious mental health conditions may also be included, acknowledging both physical and mental well-being.
  6. Strike or industrial action: If strikes at airports or by airlines disrupt your plans, this cover might help.
  7. Other unforeseen events: Events like jury service or being made redundant unexpectedly can also qualify for coverage under some policies.

Each insurer has different rules on what they include, so checking the fine print is vital. Knowing what your policy covers helps you understand how well protected you are should you need to cancel your holiday due to ill health.

What it doesn’t cover

Travel insurance cancellation cover is key for peace of mind while planning trips. It’s crucial to know what this cover does not include.

  1. Travel plans cancelled due to reasons known before buying the policy will not be covered. If you were already feeling ill or knew about a family member’s illness when you got your insurance, claims related to these will likely be rejected.
  2. Pre-existing medical conditions without disclosure and approval might lead to denial of a claim. Insurers require information on existing health issues; failing to share this can void your coverage.
  3. Cancellations because of mental illness or drug use may not always be covered unless explicitly included in your policy terms.
  4. Trips cancelled due to change of mind or fear of travelling do not qualify for refunds under cancellation cover. Deciding you no longer wish to go on your holiday isn’t enough for a claim.
  5. If the Foreign, Commonwealth & Development Office advises against travel to your destination after you’ve booked, some policies might not cover cancellations related to this advice.
  6. Expenses related to non-refundable tickets for events or tours at the destination are often excluded from cancellation cover unless specified otherwise.
  7. Claims tied to natural disasters, like hurricanes or earthquakes, if they were forecasted before your trip was booked.

Knowing what your policy excludes helps set realistic expectations and prepares you for potential scenarios where you might need additional support from other resources or tools available through travel insurance providers and third-party services.

Now let’s move on to understanding the rules around cancelling due to unexpected illness.

Rules for Cancellation due to Unexpected Illness

When unexpected illness occurs, you need to know when your cancellation cover applies. Ensure you have the necessary proof of illness and understand if your family members are also covered.

When cancellation cover applies

Cancellation cover kicks in if you or a family member gets sick and it’s unexpected. You must prove the illness was unforeseen to use this part of your travel insurance. This means if anyone planning to travel suddenly falls ill, hurts themselves, or has to deal with a death in the close family, the insurance can help.

Be sure your policy includes cancellation for these reasons before you need it.

You’ll need documents that show the illness or injury is real and serious enough to stop the trip. Doctors’ notes are a common requirement. Also, make sure the person who is ill is covered by your policy.

Some policies only cover travellers, while others also protect family members not travelling with you. Always check what your contract says about cancellation due to health issues so there are no surprises later on.

Proof of illness

To show you are sick and need to cancel your holiday, you must give solid proof. This means getting a note from your doctor that says you cannot travel. The note should clearly state why your health stops you from going on the trip.

It’s key to make sure this document is detailed because insurance companies look closely at it.

Sometimes, insurers ask for more than just a doctor’s note. They might want medical records or test results to back up your claim. Make sure all documents have correct dates and names that match those in your policy.

This step is crucial for making sure the financial conduct authority sees everything as valid and above board.

Your browser could help here by offering access to digital forms or guidelines provided by insurers on their websites. Be ready; some sites may use cookies to improve experience or track noscript users, but finding the right forms is what matters most in proving illness for cancellation claims.

Cover for family members

Travel insurance often includes cover for cancelling a trip if you or a close family member falls ill suddenly. This means if someone in your family gets sick and it’s unexpected, you might be able to cancel your holiday without losing all the money you paid.

Policies differ, so it’s vital to check what ‘close family member’ means for your insurer, as well as any limits on this cover.

You will need to show proof of the illness to make a claim under this part of your policy. This could involve getting documents from a doctor about the family member’s health issue.

World Nomads Travel Insurance is one option that helps when trips need cancellation due to these kinds of health issues. Always review how much cover you have for these situations, so you know what financial help you can expect from your insurer.

What to Do if You Need to Cancel Your Holiday

If you need to cancel your holiday, make sure to follow the necessary steps for making a claim. To learn more about how travel insurance can help with unexpected cancellations due to ill health, explore the full article.

How to make a claim

You must cancel your holiday due to ill health. Now, you need to make a claim on your travel insurance. Here is how you do it in simple steps:

  1. Contact your insurer as soon as possible. Use the support phone number or email address provided in your policy details.
  2. Get a medical certificate from a doctor to prove the illness is unexpected and severe enough to cancel your trip.
  3. Fill in the claim form that your insurance company will give you. Make sure all information about your physical health and the trip is accurate.
  4. Attach any additional documents needed, such as proof of illness, booking confirmations, and receipts for expenses already paid.
  5. Review the terms of your travel insurance carefully before submitting the claim to ensure you meet all requirements for cancellation due to ill health.
  6. Wait for confirmation from the insurer that they have received your claim documents.
  7. Follow up regularly with the insurance company if they need more details or if there’s a delay in processing your claim.
  8. Use Citizens Advice or similar consumer help services if you face problems with your claim.

These steps can help smooth out the process, making sure you get back what you are entitled to according to premiums paid and policy agreements on trip cancellations due to unexpected illness.

Determining the amount of cancellation cover needed

After knowing how to make a claim on your travel insurance for cancellation due to illness, it’s essential to determine the right amount of coverage needed. Consider factors like the total cost of your trip, including airfare and accommodation, when assessing how much cancellation cover is required.

Health insurance costs should also be factored in as part of determining the needed coverage amount. It’s important to ensure that you are adequately covered in case of unexpected illness or injury before or during your trip, so reviewing these numbers meticulously is crucial.

Remembering travel insurance can help with cancellation due to health issues will provide peace of mind.

Additional resources and tools

Here are some additional resources and tools to help you navigate travel insurance cancellation due to unexpected illness:

  1. Check with your travel insurance provider for specific details on what is covered under your policy, including cancellation due to unforeseen illness.
  2. Use online calculators to determine the amount of cancellation cover needed based on the cost of your holiday and any potential financial losses.
  3. Review the terms and conditions of your travel insurance policy meticulously to understand the coverage for trip cancellation due to illness, injury, or bereavement.
  4. Seek guidance from World Nomads Travel Insurance if you have to cancel your trip due to illness or injury, as they offer tailored solutions for such situations.
  5. Contact support services for any issues regarding cancelling a package holiday due to illness, and enquire about coverage for non-travelling relatives in case of unexpected health concerns.
  6. Utilise informational resources provided by reputable travel insurance companies aimed at assisting travellers seeking clarity on trip cancellation cover due to illness or injury.

Remember that understanding the available tools and resources can significantly aid in navigating the complexities of cancelling a holiday due to unexpected ill health.

Further Help and FAQs

Need help cancelling a package holiday? Understand the coverage for non-travelling relatives and reach out to support for any issues.

Information on cancelling a package holiday

If you need to cancel a package holiday because of unexpected illness, most insurers provide cover for this. You may be entitled to a full refund without paying any cancellation fees.

It’s essential to carefully check your travel insurance policy and the terms and conditions set by the travel provider for cancellation due to illness. Remember that different policies may have exclusions, so review them meticulously.

Coverage for non-travelling relatives

In the context of travel insurance cancellation cover, it’s crucial to consider the coverage for non-travelling relatives. Most insurers offer protection if a close family member falls ill unexpectedly before your trip.

This may include coverage for cancellation due to a relative’s unforeseen illness or sudden demise, all subject to the policy’s terms and conditions. However, it is essential to carefully review the policy details regarding this aspect as limitations may apply regarding who qualifies as a “close family member.” It’s wise to evaluate these specifics and consult with your insurer if you have any doubts.

In reviewing travel insurance policies for potential cancellation due to unexpected illness within the immediate family, understanding how “close family member” is defined in each policy is essential before making any assumptions about coverage.

Contacting support for any issues

If you encounter any problems with your travel insurance or need assistance, contact the insurance provider directly. They can offer guidance on making a claim and provide support for any issues related to cancellation due to unexpected illness.

It’s crucial to have all relevant policy details at hand when reaching out for help. World Nomads Travel Insurance and other reputable insurers usually have customer service teams ready to assist with claims and inquiries about coverage for trip cancellation due to illness or injury.

After addressing any support needs regarding cancellation cover, it’s essential to understand the process of making a claim in case of unexpected illness before proceeding further with cancelling your holiday.


In the event of unexpected illness, travel insurance can provide coverage for cancelling your holiday, including the cancellation of a package holiday and reimbursement without incurring fees.

Understanding the terms and conditions of your policy is crucial for making a successful claim. Remember to check the specifics of what’s covered and any necessary documentation needed in case of cancellation due to ill health.

If you encounter any issues or need further assistance, don’t hesitate to reach out to your insurer for support.


1. Can I cancel my holiday if I get sick?

Yes, you can cancel your holiday due to ill health. Check with your travel insurance or booking agent about their policies on health-related cancellations.

2. Will it cost me to cancel my holiday because of illness?

Cancelling a trip due to sickness might lead to charges. The amount depends on when you cancel and the terms of your booking or insurance.

3. What should I do first if I need to cancel my trip for health reasons?

First, inform your travel provider about your situation as soon as possible. Then, contact your travel insurance company to discuss a claim for any losses.

4. How can I avoid losing money if I have to cancel my holiday due to being unwell?

To protect against losses from cancellation, consider buying travel insurance that covers cancellations for medical reasons when you book your trip.