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Example scenarios

When cancellation insurance helps

15 situations that happen every day — with real numbers. What the insurance cost, how much the seller kept and how much would come back.

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.

  • Tickets and eventsExample scenario

    A broken ankle a week before the festival

    Tomáš, 24 · 3-day festival ticket + a camping spot

    Tomáš had a ticket for a summer festival and a spot at the campsite. A week before the event, he broke his ankle playing football with friends and ended up in a cast. The festival doesn’t refund tickets, and he didn’t manage to resell his at the last minute.

    Covered reason: Your illness, injury or death

    Premium
    CZK 439
    Cancellation fee
    CZK 4,880
    Paid back
    CZK 4,392

    Paid CZK 4,880, tickets are non-refundable. Excess CZK 488 (10%).

    For tickets, the cancellation fee is usually 100% — without insurance, you lose the whole amount.

  • Trips and holidaysExample scenario

    Appendicitis four days before the flight

    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.

    Covered reason: Your illness, injury or death

    Premium
    CZK 4,140
    Cancellation fee
    CZK 41,400
    Paid back
    CZK 41,400

    Paid CZK 46,000, the tour operator’s cancellation fee is 90% just before departure. No excess — cancelled because the insured person was hospitalised.

    If the insured person is hospitalised (for at least 24 hours), no excess applies — the full cancellation fee is paid back.

  • Camps and ski tripsExample scenario

    Chickenpox a week before camp

    Klára, 9, and her parents · A two-week summer camp

    Klára’s parents paid for her summer camp back in the spring. A week before departure, she came down with chickenpox and the doctor wouldn’t let her go. Under its cancellation terms, the organiser refunded only 20% of the price.

    Covered reason: Your illness, injury or death

    Premium
    CZK 666
    Cancellation fee
    CZK 5,920
    Paid back
    CZK 5,328

    Paid CZK 7,400, the camp’s cancellation fee is 80% a week before the start. Excess CZK 592 (10%).

    A child’s illness is the most common reason a camp place is lost. The safest option is to insure it as soon as you pay.

  • AccommodationExample scenario

    A burglary two days before a mountain trip

    The Novák family · A week in a chalet in the Alps, non-refundable booking

    The Nováks booked a chalet on a non-refundable rate — it was a third cheaper. Two days before departure, their flat was burgled and the police needed their cooperation. They couldn’t leave.

    Covered reason: Theft or damage at home

    Premium
    CZK 3,060
    Cancellation fee
    CZK 34,000
    Paid back
    CZK 30,600

    Paid CZK 34,000, non-refundable rate. Excess CZK 3,400 (10%).

    Non-refundable rates save money — and with cancellation insurance, you won’t lose everything.

  • Courses and educationExample scenario

    Dismissed three weeks before a language course

    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.

    Covered reason: Dismissal by your employer

    Premium
    CZK 3,780
    Cancellation fee
    CZK 21,000
    Paid back
    CZK 18,900

    Paid CZK 42,000, the language school’s cancellation fee is 50%. Excess CZK 2,100 (10%).

    Dismissal by your employer is covered if it comes no later than 30 days before departure. And the insurance also pays back a partial cancellation fee.

  • Tickets and eventsExample scenario

    A resit exam on the same day as the concert

    Adéla, 23 · A concert ticket in Berlin + train

    Adéla bought a ticket to see her favourite band and train tickets to Berlin. Three weeks before the concert, she failed an exam and the faculty set her resit for the exact day of the concert. Neither the concert ticket nor the train tickets could be refunded.

    Covered reason: Resit exam

    Premium
    CZK 346
    Cancellation fee
    CZK 3,840
    Paid back
    CZK 3,456

    Paid CZK 3,840, the concert and train tickets are non-refundable. Excess CZK 384 (10%).

    A resit exam is covered if the resit date falls during the event or within 7 days after you return.

  • Trips and holidaysExample scenario

    A stolen wallet the evening before the flight

    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.

    Covered reason: Stolen documents

    Premium
    CZK 1,656
    Cancellation fee
    CZK 18,400
    Paid back
    CZK 16,560

    Paid CZK 18,400, the flights and accommodation are non-refundable. Excess CZK 1,840 (10%).

    Stolen documents are covered if the theft happens in the last 7 days before departure.

  • Corporate eventsExample scenario

    A court summons instead of a conference

    Ondřej, 38, freelancer · A conference in Barcelona: ticket, flight and hotel

    Ondřej paid for an industry conference himself. Three weeks before, he received a summons to appear in court as a witness, and the hearing fell on the first day of the conference.

    Covered reason: Court, adoption or divorce

    Premium
    CZK 2,700
    Cancellation fee
    CZK 30,000
    Paid back
    CZK 27,000

    Paid CZK 30,000, the ticket, flight and hotel are non-refundable. Excess CZK 3,000 (10%).

    A summons to appear in court as a witness is a covered reason if the hearing falls during the trip — a copy of the summons is all you need to provide.

  • Tickets and eventsExample scenario

    A sudden death in the family before a marathon

    Eva, 35 · Entry to a marathon abroad + a non-refundable hotel

    Eva had been training for the marathon for six months. A week before the race, her father died suddenly and the funeral fell on the day of the start. The trip was the last thing on her mind — the money didn’t matter at that moment, but the insurance paid it back.

    Covered reason: Illness, injury or death of someone close

    Premium
    CZK 900
    Cancellation fee
    CZK 10,000
    Paid back
    CZK 9,000

    Paid CZK 10,000, the entry fee and hotel are non-refundable. Excess CZK 1,000 (10%).

    The insurance also covers the death of family members — a partner, children, parents, siblings, grandparents and others.

  • Trips and holidaysExample scenario

    Tonsillitis three days before a family holiday

    The Svoboda family, 2 adults and 2 children · A week at the seaside in Greece for four

    The Svobodas saved for their holiday all year. Three days before the flight, their younger son got tonsillitis with a fever and the doctor advised against travelling. At that point, the tour operator was charging 90% of the price.

    Covered reason: Illness, injury or death of someone close

    Premium
    CZK 6,120
    Cancellation fee
    CZK 61,200
    Paid back
    CZK 55,080

    Paid CZK 68,000, the tour operator’s cancellation fee is 90% just before departure. Excess CZK 6,120 (10%).

    If a child falls ill, the insurance also covers the parents and siblings — they’re family members.

  • AccommodationExample scenario

    A broken arm before a spa weekend

    Markéta and Jakub · A spa weekend for two, non-refundable booking

    Jakub got a weekend at a spa hotel as an anniversary present. A week before, Markéta slipped on the stairs and broke her arm. They were both insured, and the hotel didn’t refund anything.

    Covered reason: Illness, injury or death of someone close

    Premium
    CZK 882
    Cancellation fee
    CZK 9,800
    Paid back
    CZK 8,820

    Paid CZK 9,800, non-refundable rate. Excess CZK 980 (10%).

    If your partner gets injured, the insurance covers the cancellation for both of you — as long as you’re both insured.

  • Camps and ski tripsExample scenario

    A broken arm five days before a school ski trip

    Vojta, 12, and his parents · A school ski course in the Alps

    Vojta had been looking forward to the ski trip all winter. Five days before departure, he fell on the stairs during break and ended up in a cast. The school refunded only 30% of the price; the rest had already been paid to the coach company and the accommodation.

    Covered reason: Your illness, injury or death

    Premium
    CZK 621
    Cancellation fee
    CZK 4,830
    Paid back
    CZK 4,347

    Paid CZK 6,900, the cancellation fee is 70% five days before departure. Excess CZK 483 (10%).

    The insurance also covers a partial cancellation fee — it pays back what you actually lose, after deducting the 10% excess.

  • Tickets and eventsExample scenario

    Flu the day before a concert

    Hana and her daughter Ema, 13 · Two tickets for a concert at a Prague arena

    For her daughter’s birthday, Hana bought tickets to see Ema’s favourite singer. The day before, Ema came down with flu and a fever of over 39°C. Hana didn’t go to the concert either — she stayed at home with her daughter.

    Covered reason: Illness, injury or death of someone close

    Premium
    CZK 358
    Cancellation fee
    CZK 3,980
    Paid back
    CZK 3,582

    Paid CZK 3,980, tickets are non-refundable. Excess CZK 398 (10%).

    A child’s illness is a reason to cancel for the parent who stays at home with them too.

  • Trips and holidaysExample scenario

    Knee surgery three months before an early-booking holiday

    Pavel, 44, and his wife · An early-booking package holiday to the Canary Islands for two

    In January, Pavel booked a summer holiday at an early-booking discount and insured it straight away. In April, he fell off a ladder and tore the ligaments in his knee; he faced surgery and a long rehabilitation, and the doctor advised against travelling. They cancelled the holiday right away — more than 60 days before departure, so the fee was low.

    Covered reason: Your illness, injury or death

    Premium
    CZK 4,680
    Cancellation fee
    CZK 10,400
    Paid back
    CZK 9,360

    Paid CZK 52,000, the tour operator’s cancellation fee is 20% more than 60 days before departure. Excess CZK 1,040 (10%).

    Illness, injury, death and pregnancy are covered even if they arise up to 180 days before departure. And the earlier you cancel, the lower the cancellation fee.

  • AccommodationExample scenario

    A house fire three days before departure

    Tereza and Michal · A seaside apartment in Croatia, non-refundable booking

    Three days before departure, a fire broke out in the cellar of their family house and also damaged the living floor — the damage exceeded CZK 200,000. The fire brigade, the investigation and their home insurer needed them to stay. The apartment had been paid for on a non-refundable basis.

    Covered reason: Theft or damage at home

    Premium
    CZK 1,980
    Cancellation fee
    CZK 22,000
    Paid back
    CZK 19,800

    Paid CZK 22,000, non-refundable booking. Excess CZK 2,200 (10%).

    A burglary or robbery at home is covered, as is major damage after a natural event (over CZK 200,000).

All 15 situations together

The insurance would have cost CZK 32,328. It would have paid back CZK 257,625.

Each story corresponds to one of the reasons the insurance covers under the policy terms.

Keep your story just an example.

Insure your holiday, ticket or stay right after paying — while everything is fine.

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