Holidays and trips
If you can’t go because of illness, injury or another serious reason, the tour operator keeps a cancellation fee — just before departure, it can easily be the full price. Cancellation insurance reimburses it after deducting the 10% excess, or in full if the insured person is hospitalised or dies. It costs 9% of the holiday price and you buy it on its own, without travel insurance.
Work out your price
CZK 300CZK 500,000
One-off premium
CZK 3,240If you cancel, back up to
CZK 32,400We 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 holiday in Greece for two for CZK 36,000, cancelled 10 days before departure
At this stage, the tour operator charges 80% of the price. Illustrative calculation.
Typical situations
Flu, tonsillitis or appendicitis a week before departure. The doctor advises against travelling and the tour operator keeps most of the price.
A broken leg playing sport or a fall on an icy pavement. The holiday would be dangerous or impossible for you.
Your partner, child, parent or sibling falls seriously ill or gets injured — or you have to look after someone in your family. The insurance covers your nearest and dearest too.
A burglary or robbery at home, or major damage after a natural event (over CZK 200,000) just before departure.
| When you cancel | Cancellation fee |
|---|---|
| 60 or more days before departure | 10–20% of the price |
| 59–30 days | 30–50% |
| 29–15 days | 50–70% |
| 14–7 days | 70–90% |
| less than 7 days | up to 100% |
Illustrative ranges. The actual cancellation fees are set by your tour operator’s contractual terms.
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
If the tour operator goes bust, your money is refunded by its statutory insolvency insurance — not by cancellation insurance.
If the tour operator cancels the holiday (too few participants, unrest at the destination), it has to refund you itself.
This is the airline’s responsibility under EU Regulation 261/2004. Cancellation insurance is for situations where you can’t fly.
The payout limit is the price of the holiday, up to CZK 500,000 per person and policy. For more expensive holidays, write to us for a personalised quote.
Most reasons must arise no more than 30 days before departure. Illness, injury, death and pregnancy are covered up to 180 days before — important for early booking.
Stories
Jana and Petr · A week’s package holiday in Egypt for two
In January, Jana and Petr bought a beach holiday. Four days before the flight, Jana was taken to hospital with appendicitis and spent five days there. The tour operator kept 90% of the price. Both of them were insured, and Petr is Jana’s partner, so the cancellation was covered for both.
Lucie, 29 · Flights and an apartment for a friend’s wedding in Italy
The evening before her flight, Lucie’s wallet was stolen on the tram, along with her ID card and passport. There was no way to get a replacement document by morning, so she couldn’t fly. Both the flights and the apartment were non-refundable.
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
No. With us, you buy cancellation insurance on its own. Travel insurance (medical expenses abroad) is a different product that covers situations during the trip.
Insure the total price of the holiday, even if you’ve only paid a deposit so far. The cancellation fee is calculated from the full price, and the insurance then covers the whole amount.
You can insure everyone who is going — up to 10 people in one order. If someone in your family or the person you booked the trip with falls ill, the insurance also covers your cancellation. If only one of you cancels, their share is reimbursed — the whole cancellation only if you would otherwise have to travel alone.
Yes. Add up the flights, accommodation and other non-refundable services and insure the total — the payout limit is the total price of the trip. If you cancel, you provide the cancellation fees from each seller. Airport taxes and fees that can be recovered aren’t included.
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.