Delays & Cancellations Insurance

Need to cancel your trip or change your plans last minute? Here’s how a Travel with Kit covers your travel agent and trip cancellations and delays.

Few things bite like having to cancel a holiday. Maybe you were struck down by chicken pox, or got made redundant out of the blue. Suddenly your holiday plans are up in the air and you’re worrying about getting your airfare or deposit back. Or, what if your flight is delayed or your bags go walkabout?

Travel delays tend to have a domino effect. Your plane’s delayed which means you need to stay over for the night, or maybe two. Worse, you’re now late for that wedding or birthday celebration you’ve been counting down to. Or, you arrive at your holiday destination only to find your bags had ideas of their own. While these things can – and do – happen, breathe easy knowing that Travel with Kit offers a stack of benefits that take care of cancellation and delays.

Travel Delay Expenses

A hold up at the airport? If your pre-paid scheduled transport is delayed, cancelled or rescheduled Travel with Kit will pay you for reasonable additional expenses for accommodation, meals and transfers between transport terminals and accommodation where you are delayed for six hours or more, up to the applicable limit for each 12-hour period of delay.

We’ll also cover the cost of your unusable, non-recoverable, pre-paid accommodation, transfers, tours, events and attractions if you are unable to reach your next destination on time. If you make a claim under both of these covers, we will pay the higher of the two.

A maximum payout of $1,500 is available on Basic and Domestic cover while on Comprehensive cover it’s $3,000.

Keep in mind

  • The Travel Delay Expenses benefit is not available on Saver cover levels.
  • Very specific and strict conditions apply. You must be able to give us all receipts and written confirmation from the carrier outlining the reasons for the cancellation, rescheduling or delay and if they offered you any compensation.
  • We will only consider additional expenses you have if they are reasonable and necessary and the same as you originally booked, and we will not pay for flights or other transport costs or upgrades for you to continue your journey.
  • Not all rules and exclusions have been listed here. Please see the Combined Product Disclosure Statement and Policy Wording for full details.

Cancellation Costs

Travel plans on hold? If you have to cancel any pre-paid travel expenses Travel with Kit will pay you the value of the unused arrangements, less any refunds due to you and the reasonable cost of rearranging your trip, where the cost is less than cancellation fees or lost deposits arising because the trip is cancelled.

We will pay your travel agent’s cancellation fee up to 10% of the amount paid to the travel agent or $3,000 per policy—when the fees are paid in full or the maximum amount of deposit is paid at the time of cancellation

We will cover the expense for rescheduling your trip prior to departure provided the cost of rescheduling does not exceed the cost of cancellation. This benefit can only be claimed once per policy per insured person.

A maximum payout of $25,000 is available on Basic and Domestic cover, while on Comprehensive cover it’s unlimited.

Keep in mind

  • The Cancellation Costs benefit is not available on Saver cover levels.
  • Any change of plans because you or your travelling companion change your mind and decide not to proceed with your original trip, or choose not to travel.
  • You are not covered for any claims arising from any Natural Disaster. Unless not publicly known of at the time of purchasing this insurance.
  • We will not pay the travel agent’s cancellation fees above the level that would have been earned by the agent were the trip not cancelled, and the loss must be due to unforeseen or unforeseeable circumstances outside of your control.
  • We use a particular method to calculate the amount we pay you and this can also be viewed in the Combined Product Disclosure Statement and Policy Wording.
  • Not all rules and exclusions have been listed here. Please see the Combined Product Disclosure Statement and Policy Wording for full details.

Travel Agent Cancellation Fees

Travel agent leave you in the lurch? If you are charged cancellation fees, including non-recoverable fees by your travel agent, Travel with Kit will pay you up to the limits shown:  A maximum payout of $2,000 is available on Basic cover while on Comprehensive and Domestic cover it’s $3,000.

Keep in mind

  • The Travel Agent Cancellation Fees benefit is not available on Saver cover.
  • Very specific and strict conditions apply. You must resume your trip within 12 months of your return to Australia; and there must be at least 14 days remaining in the period of your trip as shown on your certificate of insurance.
  • Not all rules and exclusions have been listed here. Please see the Combined Product Disclosure Statement and Policy Wording for full details.

Travel Agent Financial Default

If you have to re-arrange your trip due to a financial default of a travel services provider, or have to cancel your trip because you cannot rearrange it; or have to return home and have incurred necessary additional expenses in doing so, Travel with Kit will pay you the reasonable costs for you to arrange the same or similar standard of transport and accommodation and the non-recoverable unused portion of your pre-paid travel costs. Likewise other cancellation fees charged by your travel agent.

A maximum payout of $5,000 is available on Basic cover while on Comprehensive and Domestic it’s $10,000.

Keep in mind

  • The Travel Agent Financial Default benefit is not available on Saver cover levels
  • Very specific and strict conditions apply.
  • The maximum we will pay will not exceed your non-recoverable costs that you have incurred due to the trip being cancelled.
  • In the case of a travel agent’s cancellation fee, will we not pay more than the loss of the normal remuneration available to the travel agent had the trip gone ahead as planned.
  • You will not be covered for the financial default of any travel agent, tour wholesaler, tour operator or booking agent, that had already occurred at the time your certificate of insurance was issued or the date your trip was paid for, whichever occurs last; or accommodation expenses incurred after the date you originally planned to return home.
  • Not all rules and exclusions have been listed here. Please see the Combined Product Disclosure Statement and Policy Wording for full details.

Alternative Transport Costs for Special Events

Late for a very important date? If you have an interruption to your trip, and you will arrive late for a wedding, funeral, conference or sporting event that your late arrival will delay; or are returning to work in Australia Travel with Kit will pay you reasonable additional costs for using alternative public transport of the same fare class as originally chosen to arrive at the destination on time.

A maximum payout of $2,000 is available on Basic cover while on Comprehensive and Domestic cover it’s $5,000.

Keep in mind

  • The Alternative Transport Costs for Special Events benefit is not available on Saver cover levels
  • Very specific and strict conditions apply.
  • The interruption to your trip must arise from an unforeseeable cause outside of your control and you must have reasonable prospects of attending the special event.
  • You will need to provide proof of the scheduled event’s start date and time.
  • Where you will be delayed returning to work, you will need to give us a letter from your employer confirming your dates of leave and when you were expected to return to work.
  • Not all rules and exclusions have been listed here. Please see the Combined Product Disclosure Statement and Policy Wording for full details.

Compare our Cancellations and Delays benefits across 4 levels of cover

It’s easy to choose the right level of cover when you compare how each one takes care of specific benefits. Travel with Kit offers 4 travel insurance plans to suit every Australian. Compare our travel insurance levels to find the right cover for you.

Understand your cover

Conditions and exclusions apply to every cover level and optional pack. View our Combined Product Disclosure Statement and Financial Services Guide for full details. Sub-limits apply. Not sure? Our friendly team are here to help. Get in touch

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