Courses and education
Language stays, certification courses and weekend workshops are paid for in advance, and their cancellation terms are often strict. Cancellation insurance reimburses the cancellation fee after deducting the 10% excess if you can’t attend because of illness, injury, dismissal by your employer or another serious reason.
Work out your price
CZK 300CZK 500,000
One-off premium
CZK 1,620If you cancel, back up to
CZK 16,200We reimburse cancellation fees after deducting the 10% excess, or in full if the insured person is hospitalised or dies. The premium is 9% of the price, min. CZK 26.
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What you can insure
A two-week language course for CZK 18,000, cancelled a month in advance
At this stage, the school charges 50% of the price. Illustrative calculation.
Typical situations
Your employer unexpectedly lets you go, and an expensive course abroad suddenly makes no sense. The insurance covers this if the dismissal comes no later than 30 days before the start and you’re entitled to unemployment benefit.
An intensive week-long course starts on Monday, and on Sunday you have a fever. Without insurance, you lose the whole course fee.
A torn muscle or a fracture just before the training camp you’ve been looking forward to all year.
A serious illness or death in the family, or someone close you have to look after. The insurance also covers cancellation because of family members.
What the insurance covers
You fall ill or get injured so that you can’t go.
Family, a business partner, or the person you’re travelling with or staying with.
You have to look after someone close who isn’t travelling with you.
A pregnancy confirmed after the insurance was taken out, where the doctor advises against travelling.
Your dog or cat dies.
A witness summons, adoption or divorce proceedings during the trip.
You’re dismissed when you didn’t expect it.
A resit exam during the trip or shortly after it.
The car you were going to travel in can’t be driven after an accident.
Your documents are stolen in the last week before departure.
You or a family member become the victim of a crime.
A burglary, robbery or major natural damage where you live.
A public health officer orders you into quarantine just before departure.
A fire, flood or windstorm where you’re going.
Keep in mind
The insurance only covers dismissal by your employer. If you end your employment yourself, it isn’t covered.
If the school or tutor cancels the course, they refund you. Cancellation insurance covers situations on your side.
If your employer is paying for the course, contact us before buying — we handle group and corporate insurance individually.
Stories
Martin, 31 · A four-week language course in Malta
Martin had planned a month of English in Malta. Three weeks before it started, his employer cut his position and gave him notice, which he couldn’t have expected when he booked. He had to cancel the course, and the school kept half the price under its terms.
The example scenarios are illustrative — we made up the names, stories and amounts to show how the insurance works. The actual payout is always decided by the insurer based on the policy terms and the documents provided.
Questions
Yes. The insurance reimburses the amount the school or organiser actually charges you — whether it’s 20% or 100% of the course price — after deducting the 10% excess.
Cancellation insurance makes sense for courses with fixed dates where you lose the money if you cancel. With online courses that give you unlimited access, there’s usually nothing to lose.
Yes. Add up the course fee, accommodation and travel and insure the total (up to CZK 500,000).
We reimburse the cancellation fees — the deposit paid in advance or the price the seller didn’t refund under its terms — after deducting the 10% excess. If you get nothing back for a CZK 2,000 ticket, you’ll receive CZK 1,800. If you cancel because the insured person is hospitalised or dies, no excess applies. Cancellation fees don’t include the premium, airport taxes or fees that can be recovered.
If there are more than 30 days until the trip starts, you can take out the insurance at any time. If you buy the trip 30 days or less before it starts, the insurance must be taken out at the same time as you pay for the trip. In all cases, it only covers events that occur after it is taken out.
Among other things: a change of plans (you don’t want to go, you’re afraid, you don’t get time off work), health problems that existed before the insurance was taken out (except a stabilised chronic illness), events under the influence of alcohol or drugs, injuries during races and competitions, or a trip being cancelled by the carrier or organiser — in that case they refund you.
All exclusions →Tell us what you’re insuring, how much it cost and when it starts. We’ll email you a quote quickly.