Sometimes, it's unavoidable, so you should always make sure your travel insurance includes cancellation cover.
If you need to cancel or cut short your holiday because something unexpected happens, cancellation cover lets you reclaim some or all of the money you've already paid out.
So, if you suddenly become seriously ill and can't go on holiday because you need treatment, you can make a claim on your travel insurance policy.
Similarly, if your spouse becomes ill while you're on holiday and the best thing is for them to come home to get treatment, you can claim some lost costs because your holiday was cut short.
Cancellation cover lets you reclaim some or all of the money you've already paid out.
There are quite specific circumstances when you can claim cancellation cover. The main thing to remember is your cover must be in place before you know that you may not be able to travel.
We advise you to take out travel insurance as soon as you book a holiday. That way, you're already covered if you need to cancel before you go.
The main circumstances you'll be covered for include:
You can usually claim back the cost of your tickets to travel, plus accommodation for the time you should have been on holiday.
So if you were unable to travel at all, you can claim back the entire cost of your portion of the holiday, less the excess on your policy, up to a certain amount. With LV= Premier cover you can claim up to £10,000 for each person insured on the policy.
If you had to cut short your holiday, you can claim for any unused accommodation costs, transport charges (unless we cover the cost of getting you home) and other trip expenses that you've already paid for.
Policies from LV= will also allow you to claim for excursions or activities that you've already paid for but can no longer go on. This includes lift passes and tuition fees for winter sports holidays.
If you knew that you or your travelling companion wouldn't be able to travel after you booked the holiday, but before you took out the insurance, then you won't be covered.
For example, if you're unable to travel because you need treatment for a condition that you were having tests for before you booked your holiday, it's unlikely you'll be able to claim on your cancellation cover. This is because the reason the trip is cancelled is not sudden or unexpected.
Also, if you knew about industrial action that could affect your holiday or there was a severe weather forecast at the destination before you booked your holiday, you probably won't be able to make a claim.
And if you took voluntary redundancy or were dismissed from your job, you also won't be able to claim on your cancellation cover.
To make a cancellation cover claim with LV= we'll need to see:
It's a good idea to make a note of our claims telephone number 0800 707 6967 and have your policy number to hand when you call us.
If you need emergency assistance when outside the UK call +44 1243 621 537.
Buying LV= travel insurance is simple