Travel insurance: cancellation cover & how it can help when plans change
Planning a trip is exciting, but things don't always go to plan. Having travel insurance that includes some cancellation cover can help recover some costs when unexpected events like illness, natural disasters, or family emergencies impact your travel plans. Learn how cancellation cover works with ahm travel insurance, what’s usually included, and why it might be worth considering for your next trip.
Holidays are exciting - booking flights, sorting accommodation, and picturing all the fun ahead. But every now and then, things don’t go quite as expected. That’s where cancellation cover* from ahm travel insurance can help ease the stress if plans suddenly shift.
Before you go: why cancellation cover might be worth considering
Holidays take time, effort, and money, and cancellation cover can help take the stress out of sudden changes.
It may be worth thinking about if:
- You’ve paid upfront for flights, stays or tours
- You’re travelling during seasons when weather can be unpredictable
- You or someone close to you has any health considerations
- Your work or home life can be a bit unpredictable
It’s not about expecting the worst - just having a little backup, so you can relax and enjoy the trip.
Some common things which might disrupt your trip (and how having travel insurance with cancellation cover might help)
1. Any unexpected health issues before you travel
Getting sick before take-off isn’t ideal - especially if you’ve already paid for flights, accommodation or tours. With ahm’s cancellation cover*, you can help cover some of the costs if you need to cancel due to illness or injury.
Some policies include conditions around pre-existing medical issues, so checking the fine print can help clarify what’s included.
2. Weather events & natural disasters
From cyclones to bushfires, extreme weather can sometimes shake up your travel plans.
Depending on your policy, ahm travel insurance may help with things like
- Rebooking fees*
- Extra accommodation costs*
- Missed connections*
Keeping your travel bookings saved in one place might make things easier if plans need to change quickly.
3. Unexpected work or family emergencies
Sometimes, life throws some unexpected curveballs - like losing a job or needing to stay home for a family emergency. Cancellation cover with ahm may help recover some of the costs if your trip plans change because of this.
Coverage for job loss through redundancy or personal emergencies varies, so checking your policy details can help avoid surprises.
Wrapping it up: a little cover can go a long way
Travel insurance with cancellation cover might not be the first thing you think about when planning a trip - but it can help if things take an unexpected turn. A little prep now means you can focus on the fun stuff later.
About to take off? Check out ahm travel insurance options to see what’s covered or grab a quick quote online.
Things you should know
Limits, sub-limits, conditions and exclusions apply. This is general advice only. This product is distributed by Australian Health Management Group Pty Limited (ABN 96 003 683 298, AR 266711) and administered by Travel Insurance Partners Pty Limited (ABN 73 144 049 230, AFSL 360138). Travel insurance is underwritten by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Please consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations, visit ahm.com.au/travel-insurance/forms-and-guides.
Cancellation coverage Cancellation cover applies on a per-policy basis. For international comprehensive plans we include a $3,000 benefit per policy. If you need more, you can select an amount of cancellation cover from the options available to you at the time of applying for cover.
If you need to make a claim for trip cancellations, ensure you meet the specific criteria outlined in the Combined PDS/FSG(opens in a new tab).