Cobertura de cancelación de un seguro de viaje
What does cancellation insurance include?
The scope of the coverage will depend on the insurance company. However, in broad terms and to give you an idea, these are some of the grounds provided by the companies in the sector for the reimbursement of cancellation costs:
As long as it is not a preexisting illness, reasons related to your health may be covered by cancellation insurance.
Likewise, travel insurance considers the possibility that a person might have to cancel their trip because they are required to do so by a government authority on a date that coincides with their trip.
Termination of employment, signing a new employment contract, transferring to another workplace or a justifiable change of leave are all events that are usually covered by travel insurance with cancellation coverage.
Another possible reason for interrupting a trip is serious illness or the death of a family member.
Similarly, extraordinary circumstances, such as an accident in the home that requires urgent attention, are a compelling reason to cancel a trip.
Additionally, travel insurance with cancellation coverage might include other situations such as the loss of documentation or the inability to travel as a result of a malfunction of the insured party’s vehicle. In any case, as already mentioned, the final scope of the policy will depend on what is stated in the general conditions.
We hope that you now have a better idea of what is covered by travel insurance with these characteristics. By the way, did you know that Adeslas travel assistance insurance includes cancellation by the service provider and the possibility of taking out coverage for trip cancellation due to annulment? Thanks to this guarantee, the insured party has the right to be reimbursed provided that the conditions of the contract are met. Find out more!
We hope that up to now we have helped you understand what travel cancellation insurance includes. With regards to the percentage of the annulment costs covered, it will vary depending on the policy and the company; while some insurance companies offer full reimbursement, others only cover a part of it.
With travel cancellation insurance, we can therefore recover all or part of the money spent, depending on the stipulations of the policy and the reasons that led us to cancel our trip. Usually they are force majeure reasons, which are those that cannot be foreseen or avoided, and which we have already addressed in the section about what a cancellation insurance policy covers.
Travel insurance exclusions
Types of travel cancellation insuranc
Each insurance company offers a different type of travel cancellation insurance.
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The answer to all your questions
Frequently asked questions
We sort out all the most frequent doubts when it comes to taking out your travel insurance policy
Concerning when to contract travel assistance insurance with cancellation coverage, it is recommendable to take out this type of policy before starting the journey. It can also be done after the trip has begun, but it is important to know that each insurer establishes a maximum period for this.
We hope that you now have a better understanding of what travel cancellation insurance is and what it covers. And remember, Adeslas travel insurance covers from medical expenses to costs incurred due to airline delays caused by overbooking, among other incidents. If you like, you can also personalise your insurance policy with the optional guarantee of travel insurance for trip cancellation due to annulment. This will help you sleep peacefully before travelling!
In the insurance field it is common to use the terms “cancellation insurance” and “annulment insurance” to refer to the same product. Technically, cancellation refers more to the service itself, whereas annulment is a voluntary act of the insured party.
The penalty charges for cancelling a trip depend on the service contracted and the conditions established by the company providing the service. Therefore, in order to recover all or part of the money paid, it is essential to take out cancellation insurance.