Top Up My Cover – Cancellation


The policy that ‘Tops Up’ your Cancellation cover.


If you have booked a holiday that costs more than your existing travel policy cancellation limit, you won’t get all your money back if you have to cancel your trip.

The answer is to purchase EXTRA Cancellation cover.

Top Up My Cover Cancellation allows you to purchase up to £50,000 extra cancellation cover (per person) so that your holiday costs can be fully covered.

Please note: if you require cover above this limit, please click here for details of an alternative policy – High Value Travel Cancellation Insurance.


  • We cover you, as long as your main insurer does too
  • “Top up” by up to £50,000 per person
  • Covered worldwide
  • Any trip duration
  • No need to declare medical conditions

The maximum “top up” amount is £50,000 per person (£15,000 per person if aged 75-79 and £10,000 per person if aged 80-85) with an overall limit of £100,000 per policy.


The policy is available to people aged up 85 years who are permanently resident in the United Kingdom (England, Scotland, Wales, Northern Ireland, Channel Islands and the Isle of Man) and in the United Kingdom at the time of purchasing the top up policy.

As long as your existing travel insurance policy will cover you, we will too. Top Up My Cover only pays after a valid claim has been made on your main travel insurance policy so it doesn’t matter where you travel, how long you travel for or if you have medical conditions.


Antares Managing Agency Limited is the managing agent for Antares Syndicate 1274 at Lloyd’s.

Antares Managing Agency Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Last updated: 1st February 2023.


Brokers and Agents:

Or call 02392 419 050 Mon to Fri 9am – 5pm.

Direct Customers:

Or call 02392 419 093 Mon to Fri 9am – 5pm.


With over 25 years experience in travel insurance, we have created specific products to cater for specific needs. Whether you require cover for a medical condition, hazardous activities, round the world trip, Gap year, etc., we have a policy for you.


As schemes specialists, we are able to provide some unique products; these currently include: ‘Top-up’ Cancellation cover; Euro Plus (breakdown cover for people travelling to Europe); and PJH Worldwide for those who have already travelled and expats.


We have a range of facilities to cover companies; ranging from Group Personal Accident and Travel to Liability cover for Tour Operators. Specific products include: Business; Coach Plus Breakdown; Coach Plus Driver; and SAFI.

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The policy that ‘Tops Up’ your Cancellation cover.