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Travel cancellation insurance is a good thing to have. A relatively inexpensive premium buys you a lot of benefits you might need – full cancellation costs or charges for rebooking your trip and generally the processing fees as well (up to the contractually agreed maximum).
Buying annual insurance to cover travel cancellation costs (also known as cancellation insurance or trip cancellation insurance depending on the provider) is a good idea – and not just for people who travel a lot. If you take just a couple of vacations and weekend trips a year, the premium costs a whole lot less than paying for individual travel cancellation insurance for each trip, which is usually only valid up until you begin your travels. And an annual policy means you don’t have to worry if you suddenly decide to book and take a trip.
Before you buy travel cancellation insurance, you should compare the offers available from different carriers. Pay particular attention to the scope of coverage and any exclusions. You should ask yourself the following questions:
A serious travel cancellation policy will generally assume – up to the contractually agreed minimum – the full costs of rebooking or canceling due to the following reasons:
But most travel cancellation insurances include the following exclusions:
Purchasing travel cancellation insurance (also known as cancellation insurance or trip cancellation insurance) ensures before you leave on your trip that you will not have to pay any additional costs or cancellation costs that may arise. It goes into effect when you are not able to go on your trip or have to delay it for various reasons. And unused services are provided if the trip must be canceled in advance.
There is none. It’s the same insurance, just with different names.
Anyone who goes on vacation in Switzerland or abroad. This way not only are you covered for accident and illness, but also for natural disasters and civil unrest.
This depends on the conditions in your insurer’s policy. AXA’s travel cancellation policy lasts for 3 years (with annual right of termination) and covers any trips you take within that time.
This also depends on your policy. Existing illnesses and foreseeable events are usually excluded. This includes military conflicts that are well underway at the time of booking, for example. Accidents you cause yourself are also not covered.
Yes, you can. Your insurance covers you if you become sick before or during your trip. The coverage also applies if someone closely related to you or your pet falls ill. Please note that this only applies to unexpected illnesses. If you are suffering from a chronic illness before you begin your trip, and have to make a new booking or rebook, then the cancellation costs are generally covered.
Karin Stötzer is a Content Marketing Manager at AXA and researches interesting content for you on the subjects of mobility, sustainability and climate protection.
