Travel insurance cancellation cover calculator
Add up your pre-paid, non-refundable trip costs to understand how much cancellation cover you need, and what you risk losing if you cannot travel.
Pre-paid trip costs (all travellers combined)
Assumptions and methodology
Totals user-supplied pre-paid costs across flights, accommodation, tours, and other items. Shows the minimum cancellation cover needed to recover these costs, accounting for any refundable elements. This is not a premium estimate — it is a minimum cover requirement guide.
Common mistakes to avoid
- ✕Choosing a cancellation limit that is less than your total pre-paid costs.
- ✕Buying insurance after booking — cancellation cover only applies from the policy start date.
- ✕Assuming all reasons to cancel are covered — most policies only cover specific reasons (illness, bereavement, redundancy).
Frequently asked questions
It reimburses pre-paid, non-refundable trip costs (flights, accommodation, tours) if you have to cancel for a covered reason before departure. Covered reasons typically include illness, injury, bereavement, and redundancy.
Some specialist policies offer cancel-for-any-reason (CFAR) cover, which reimburses a percentage of trip costs regardless of the reason for cancellation. These policies typically cost more and reimburse 50–75% of costs.
No — cancellation is before you depart. Trip abandonment or curtailment covers cutting short a trip you have already started (e.g., due to illness abroad). Both are often included in comprehensive travel policies.
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Disclaimer
This is a simplified estimate based on the assumptions shown above. It isn't a quote, and a real insurer may arrive at a different figure. Use it as a starting point, then check the details with your insurer or adviser.