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P J Hayman’s range of travel insurance solutions to cover high risks.
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Holiday Cancellation Cover is a key feature of a travel insurance policy. If your holiday has to be cancelled unexpectedly, you’ll miss the holiday. Yet you’ll be compensated for any prepaid costs that can’t be claimed back elsewhere. However, few travellers are encouraged to buy insurance after booking a trip. Whether you have travel insurance with your bank or regularly take it out from a well-known insurance provider, it’s important to know what your cancellation cover limit is!
Holiday cancellation cover limits vary. The average Brit spent £2,644 on a holiday in 2025. However, one in five policies cap cover between £1,000 and £1,999. This is well below the cost of the average trip abroad (Data from Go Compare). Having insufficient cancellation cover can cost you! So, it’s wise to check your holiday cancellation cover limit against the cost of your trip before purchasing a travel insurance policy.
Let’s look at what cancellation cover is and why it’s important. Plus, how our customers have benefited from taking sufficient travel insurance.
If purchased, as soon as you book your trip (ASAYB), cancellation cover will protect the money you’ve already spent – up to a limit. This can include flights, transfers, accommodation, and excursions. A standard travel insurance policy will cover this. However, always read your policy as it will differ depending on the policy’s provider. You will only be covered for costs which are unrecoverable, i.e. that you can’t get back from the company you purchased from.
Top Up My Cancellation Cover includes cover for:
We don’t plan to cancel a trip before we go. That’s where cancellation cover can assist! To cover the unexpected.
Unexpected Reasons for Cancelling a Holiday:
Please note: Cancellation cover will not cover disinclination to travel, i.e. if you decide you just don’t want to go.
Our Top Up Cancellation policy is designed to cover you for expenses associated with your trip if you are unable to go and can’t get the costs back. For example, if you fall ill before your trip, or if you are unexpectedly made redundant.
Top Up My Cover will only cover you if your underlying policy does. It won’t cover you for additional costs such as medical expenses, so you will need to check your existing travel insurance policy if you want to cover this.
Read the policy wording’s full terms and conditions for more details.
This entirely depends on the type of underlying travel insurance policy you have. If your underlying insurance covers the cancellation reason, then our policy will too.
Some examples of common reasons for cancellation claims are:
Cover will be provided when the limit of your main travel insurance policy is exceeded following a successful claim payment. Top Up My Cancellation Cover will pay the outstanding amount of your claim after the underlying limit has been paid.
Many things affect the cost of your cover, such as the destination, how long you are going for, and your personal circumstances, like your age or health. The cancellation cover will usually be based on a per-person amount, so if the total cost of your trip is £10,000 for two people, you would want a policy with at least £5,000 of cancellation cover.
Cancellation limits range from £500 to £10,000. If your trip costs much more, consider Top Up My Cover (TUMC) per person. TUMC provides extra cancellation cover to ‘top-up’ any existing travel insurance policy as long as you have at least £1,000 of cancellation cover already in place.
With the correct holiday cancellation cover limit in place, our customers have been able to make a claim on their travel insurance policy.
Here are some of the top testimonials they left our claims team after going through the claims process. Each had an unexpected reason to cancel their trip.
We hope this article gives you a clear idea of why it’s important to take out travel insurance as soon as you book your trip.
Unsure which policy you require? Contact our friendly travel insurance experts. They’ll be happy to help. Alternatively, use our simple product selection tool to find out which one of our policies can help you to travel, with confidence!
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