What is cancellation cover under travel insurance?
Which expenses can I claim from cancellation cover under travel insurance?
- you suddenly fall ill or injure yourself in an accident
- your close relative becomes severely and unexpectedly ill, or has a serious accident or dies
- significant damage has been caused to your property in Finland and your presence is required to handle the incident.
- you are laid off or become unemployed
- you are invited to a christening, confirmation party, wedding or refresher training event that will take place at the same time with a journey that has already been paid for
- you become a witness to legal proceedings that will take place at the same time with a journey that has already been paid for
- you are attending a funeral that takes place during a journey that has already been paid for
- you and your spouse get divorced
Which expenses are not compensated from the cancellation cover under travel insurance?
- the cancellation is caused by fear of flying or an illness that is caused by abuse of alcohol/medicine or the use of an intoxicant.
- the reason for the cancellation became apparent before the journey was booked or paid for or before cancellation cover was taken out or if you took out the policy less than three days before the journey was to begin.
Two examples of cancellation of a trip
Even if it were a normal holiday, you should prepare for possible accidents well in advance before travelling. The reason for the cancellation of the trip does not have to be life-threatening, as your departure may be prevented by a broken leg, for example.
Example 1: We were about to go to the USA, but my husband caught stomach flu a day before departure. We have bought the flights and tickets to an ice hockey match. Can we get compensation?
Please contact a doctor first. If you have taken out travel insurance at least three days prior to the time of travel, insurance will cover your travel-related cancellation fees. If you are unable to cancel your flights and you have pre-bought ice hockey tickets that are non-refundable, the cancellation cover under travel insurance will compensate you for the ticket prices.
Example 2: I was about to go on a holiday in Greece, but I fractured my leg before departure. It is a package tour. Will travel insurance cover expenses from cancelling the trip?
Please contact your doctor first. If the doctor declares that you are unfit to travel, contact the travel agency to find out whether they will refund a pre-paid trip. If the travel agency does not refund a pre-paid trip, the cancellation cover under travel insurance will compensate you for expenses from cancelling the trip. However, please remember that you should have taken out travel insurance at least three days before the departure and before you fractured your leg.
Pohjola Claim Help and Travel Emergency Service at your service at all times
Pohjola Claim Help provides instructions for possible accidents and helps you find one of our partner doctors abroad.
If you suddenly fall ill or get in an accident whilst travelling abroad, Pohjola Travel Emergency Service can help you around the clock and on each day of the year.
Read more about the Travel Emergency Service
Does travel insurance cover travel interruption?
All sorts of things may happen abroad. You might be so unlucky that a serious illness, injury or accident interrupts your holiday, or your property in Finland is damaged. You can prepare for unpleasant surprises by making sure that your travel insurance is up to date and covers also accidents happening when travelling as comprehensively as possible. If your trip is interrupted and you are unable to use services in your travel destination that you have booked in advance, you might be eligible for compensation from our travel interruption cover.