The policy terms list 14 reasons beyond your control that can stop you going on a trip or to an event you’ve paid for — affecting you or your family. We reimburse cancellation fees after deducting the 10% excess, with no excess if the insured person is hospitalised or dies, up to the price of the trip (maximum CZK 500,000). COVID-19 risk is included.
Covered risks
14 reasons the insurance covers
Points a)–n) of the policy terms. For each one you’ll find an example and the document that proves the reason.
The reason must arise beyond your control no more than 30 days before the planned departure. Illness, injury, death and pregnancy (points a)–d)) are covered even if they arise up to 180 days before departure.
Point a) — Your illness, injury or death
Your illness, injury or death. For a serious acute illness or injury, the treating doctor must confirm that your condition makes it impossible to travel and state the diagnosis and the length of treatment.
For example: The day before your flight you develop a high fever and the doctor advises against travelling.
When: no more than 180 days before the planned departure
You provide: A medical report with the diagnosis and length of treatment (a discharge report if you were hospitalised), or a copy of the death certificate.
Point b) — Illness, injury or death of someone close
Illness, injury or death of a family member, a business partner or another person you booked the trip with or were going to stay with.
For example: A week before your holiday, your father dies suddenly.
When: no more than 180 days before the planned departure
You provide: A medical report with the diagnosis and length of treatment, or a copy of the death certificate — and proof of your relationship to the person.
Point c) — Caring for a sick family member
Illness, injury or death of a family member who isn’t travelling with you but whom you demonstrably have to look after.
For example: Your grandmother, who lives with you, breaks her hip a week before departure and needs your care.
When: no more than 180 days before the planned departure
You provide: A doctor’s confirmation of the diagnosis, the length of treatment and the necessary care for the family member.
Point d) — Confirmed pregnancy
A pregnancy confirmed after the insurance was taken out, if your doctor has advised against travelling for medical reasons.
For example: Two months before a long-haul trip, you find out you’re expecting a baby, and your doctor advises against travelling because of the risks.
When: no more than 180 days before the planned departure
You provide: A medical confirmation of the pregnancy and that the doctor advised against travelling for medical reasons.
Point e) — Death of a pet
The death of a dog or cat that lives with you in the same household and whose owner (according to the pet passport) is you or your partner.
For example: A few days before departure, your dog dies suddenly.
When: no more than 30 days before the planned departure
You provide: A vet’s confirmation of the death and the pet passport listing you as the owner.
Point f) — Court, adoption or divorce
A summons to appear in court as a witness (not as an expert witness), the adoption or fostering of a child, or divorce proceedings, if the date falls during the insured trip.
For example: You receive a summons to appear in court as a witness on the day of the conference.
When: no more than 30 days before the planned departure
You provide: A copy of the court summons or another document about the proceedings showing the hearing date.
Point g) — Dismissal by your employer
Dismissal from employment by your employer, if you’re entitled to unemployment benefit and had no reason to expect the dismissal when you booked. Resigning yourself is not covered.
For example: Three weeks before your course, you’re let go because your position is made redundant.
When: no more than 30 days before the planned departure
You provide: The notice of dismissal from your employer, or confirmation of entitlement to unemployment benefit.
Point h) — Resit exam
A resit of a university or similar exam (yours or another insured person’s), if the resit date falls during the trip or within 7 days after the planned return.
For example: You fail an exam and the faculty sets the resit for the exact day of the concert.
When: no more than 30 days before the planned departure
You provide: Confirmation from the school of the resit date.
Point i) — Car accident
A road accident involving the car you planned to travel in, if the car can’t be driven and the accident was recorded by the Police of the Czech Republic.
For example: The day before you leave for the mountains, another driver crashes into you at a junction and the car can’t be driven.
When: no more than 30 days before the planned departure
You provide: The Police of the Czech Republic’s record of the road accident.
Point j) — Stolen documents
Theft of your identity documents, or those of other insured persons, within 7 days before the planned departure.
For example: The evening before your flight, your wallet with your passport is stolen on the tram.
When: no more than 7 days before the planned departure
You provide: The Police of the Czech Republic’s report on the theft of the documents.
Point k) — Victim of a crime
If you or a family member have become the victim of a crime.
For example: A few days before departure, you’re mugged in the street and are dealing with the police over it.
When: no more than 30 days before the planned departure
You provide: A police report or another document about the crime.
Point l) — Theft or damage at home
A robbery or theft at your place of residence, or substantial damage to property at your place of residence (over CZK 200,000) caused by a natural event.
For example: Two days before departure, your flat is burgled.
When: no more than 30 days before the planned departure
You provide: A police report on the robbery or theft, or confirmation of the damage to your home and the amount of the loss.
Point m) — Mandatory quarantine
Being placed in mandatory quarantine ordered by a public health officer within 2 weeks before the planned departure.
For example: A week before departure, a public health officer orders you into quarantine.
When: no more than 14 days before the planned departure
You provide: Confirmation that mandatory quarantine was ordered.
Point n) — Natural disaster at the destination
A natural disaster (fire, flood, windstorm) at your destination that the official authorities declare, no later than 5 days before the insurance starts, to be a threat to life, health or property. The destination is the town, city or resort stated in your travel contract or binding order.
For example: The resort you’re going to is hit by a flood and the authorities declare the area at risk.
When: no more than 30 days before the planned departure
You provide: An official statement from the authorities about the threat at the destination.
It covers your family too
Illness, injury or death is covered not only for the insured person but also for family members: a partner, children, parents, siblings, grandparents, a partner’s parents, a daughter-in-law, a son-in-law and other relatives you live with in the same household or demonstrably care for. It also covers a business partner or the person you booked the trip with or were going to stay with. If your child falls seriously ill, you can cancel too.
Limits
How much and up to what amount
Payout
Cancellation fees after deducting the 10% excessThe deposit paid in advance or the price the seller didn’t refund — excluding the premium, airport taxes and fees that can be recovered.
Excess
10%0% if you cancel because the insured person is hospitalised (for at least 24 hours) or dies — we reimburse the cancellation fees in full.
Limit
Total trip priceThe sum of all insured services, up to CZK 500,000 per person and insurance policy.
Interrupted trip
Proportionate shareIf you start your trip late or interrupt it for a covered reason, we reimburse a proportionate share of the unused services.
Where it applies
Czech Republic and worldwideYou can insure trips, stays and events anywhere. Both Czech citizens and citizens of other countries can be insured.
Exclusions
What cancellation insurance doesn’t cover
Cancellation insurance is for serious and unexpected situations. The following cases aren’t covered — exclusions a)–t) under Article 4 of the policy terms.
Exclusion a) — Known in advance
Cancellation fees that could reasonably have been expected or that were known about before the insurance started.
Exclusion b) — Travel against Foreign Ministry advice
Travelling despite the Czech Ministry of Foreign Affairs strongly advising against it, or in breach of the entry requirements published by the destination country at the time of departure.
Exclusion c) — Situation in the destination country and pandemics
A worsened or long-term poor geopolitical, climatic or environmental situation, the closure of airspace or a pandemic. The insurer may relax these conditions through a so-called Public Commitment.
Exclusion d) — Trip changed or cancelled
If you, the carrier or the provider change the travel plans or cancel the trip. A cancelled event or package holiday is a matter for the organiser.
Exclusion e) — Time off, worries, reluctance
If you don’t get time off work, are worried about travelling or don’t want to go.
Exclusion f) — Resigning yourself
Employment ended by your own decision.
Exclusion g) — Refused carriage
Being refused carriage for reasons other than health reasons.
Exclusion h) — Pre-existing health problems
A medical condition, illness or injury that already existed before the insurance was taken out. A stabilised chronic illness is an exception.
Exclusion i) — Against medical advice
A trip taken contrary to medical advice.
Exclusion j) — Advanced pregnancy
Pregnancy after the 26th week, or a voluntary termination of pregnancy within 3 months before departure.
Exclusion k) — Mental illness and self-harm
Suicide or attempted suicide, all forms of mental illness, deliberate self-harm or exposing yourself to danger (except to save a human life), and post-traumatic stress disorder that did not arise directly from an injury.
Exclusion l) — Alcohol, drugs, medication
Events under the influence of alcohol above 0.8 per mille, drugs or medication without a prescription, or medication taken contrary to the manufacturer’s instructions.
Exclusion m) — HIV and sexually transmitted diseases
Events connected with acquired immunodeficiency syndrome (AIDS, HIV) and other sexually transmitted diseases.
Exclusion n) — Driving without a licence, flying
Driving a vehicle, vessel or other craft without the relevant licence, and flying of any kind except as a fare-paying passenger.
Exclusion o) — Intent and criminal activity
Damage caused intentionally by you or by another person at your instigation, or in connection with committing a crime.
Exclusion p) — Races, professional sport, expeditions
Events while taking part in a race or competition, during professional sporting activity, on trips to uninhabited areas and places with extreme conditions, or on expeditions.
Exclusion q) — Weapons, pyrotechnics, the military
Dangerous activities involving weapons (including hunting game) or pyrotechnics, and service or training in a military or police organisation.
Exclusion r) — War and unrest
War, invasion, military action, civil war, uprisings, strikes, civil unrest, interventions by state authorities and similar events.
Exclusion s) — Nuclear, biological and chemical hazards
Ionising radiation, radioactive contamination and the release or use of pathogenic or toxic biological or chemical substances.
Exclusion t) — Terrorism against Foreign Ministry warnings
Terrorism, if you travelled contrary to a Czech Ministry of Foreign Affairs warning about safety at the destination.
The insurer may reduce or refuse the payout if
the costs arose because the trip was cancelled late and would have been lower if it had been cancelled in time,
you’re cancelling a trip to a country where the political, security, health or natural situation may give rise to concerns about travelling,
you sent the cancelled tickets to the insurer only after the event had started.
Most reasons must arise no more than 30 days before the planned departure. Illness, injury, death and pregnancy are covered even if they arise up to 180 days before departure — which is especially useful for holidays booked well in advance.
Yes. Illness, injury and death are covered not only for the insured person but also for family members — that is, a partner, children, parents, siblings, grandparents, a partner’s parents, a daughter-in-law, a son-in-law and other relatives you live with in the same household or demonstrably care for. A business partner is also covered, as is the person you booked the trip with or were going to stay with.
If, for one of the covered reasons, you start your trip late, interrupt it or end it early, and the unused services can’t be refunded any other way, we reimburse a proportionate part of the cancellation fees.
Yes, the terms state “COVID-19 risk included” — the illness is assessed like any other illness, and mandatory quarantine ordered by a public health officer within 2 weeks before departure is also covered. However, the pandemic itself or worries about travelling are not a reason to cancel.
Not for an illness you already know about. The insurance doesn’t cover any medical condition, illness or injury that existed before it was taken out (except a stabilised chronic illness), or anything that could have been foreseen. That’s why it’s worth taking it out right when you buy, while you’re healthy.
Cancellation insurance doesn’t cover that — if the carrier or provider changes or cancels the trip, they have to refund you. Package holidays are also protected by tour operators’ statutory insolvency insurance. Cancellation insurance is for situations where you can’t go.
Yes, if your employer dismisses you, you’re entitled to unemployment benefit and you had no reason to expect the dismissal when you booked. The notice must come no later than 30 days before departure. If you resign yourself, it isn’t covered.
The insurance covers a resit of a university or similar exam — i.e. a resit date that falls during the trip or within 7 days after the planned return.
The insurance applies if your identity documents, or those of other insured persons, are stolen in the last 7 days before the planned departure. The theft must be reported to the police and documented with a police report.
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