cancellations & Travel Insurance


Whether you're too sick to travel, or an airline cancels yoiur flight, there's One thing to know for sure! Find out what your travel insurance covers when it comes to cancellations. We understand that travel is unpredictable and that's why we have comprehensive cancellation cover you can count on. Keep reading to understand what we cover when it comes to flight cancellations, family emergencies, delays and more. 


What's Covered?
  • Cancellation fees & lost deposits. Cover is provided for cancellation fees and lost deposits for unused travel and accommodation arrangements for which You have paid in advance and cannot recover if Your Journey is cancelled or shortened because of circumstances that outside of Your control.
  • Alternative Transport expenses. We will pay Your Reasonable additional travel expenses to reach wedding, funeral, conference, sporting event or prepaid tour arrangements on time if Your scheduled Overseas transport is cancelled, delayed, shortened or diverted and that means You would not arrive on time.
  • Family Emergency. If you need to return home unexpectedly due to a family emergency we will reimburse the Reasonable additional cost of Your early return Home at the fare class at which You had planned to travel. In order to have this cover, the family member must be under aged 84, reside in Australia or New Zealand and the unexpected illness cannot arise from a Pre Existing Medical Condition(s).
  • Additional Accommodation & Travel Expenses. Cover is provided if your scheduled or connecting transport is cancelled, delayed, shortened or diverted because of one of the following events: strike, riot, hijack, civil unrest, weather, natural disaster or accident affecting Your mode of transport. We also cover you if you become sick or injured and are unfit to travel.
  • Disruption of journey. If Your transport is cancelled or You are delayed for at least 6 hours, We will pay You up to $200 for Reasonable additional meal and accommodation expenses at the end of the initial 6-hour period; and up to $200 for each full 24- hour period that the disruption continues. If You cannot reach Your next destination or connecting transport on time, We will pay You toward the cost of Your pre-paid, unusable, non-recoverable, accommodation, flights, transfers, tours and events expenses.

Terms and conditions, limits and exclusions apply. Please see PDS for full details.

what's not covered?
  • Delays or cancellations you already knew about. You will not be covered for Cancellations if You were aware of any reason that may cause Your Journey to be cancelled, disrupted or delayed.
  • Delays or cancellations made by your transport service provider. We do not cover for cancellation, delays or rescheduling which are at fault by an airline, shipping line, bus line or rail authority as the responsibility falls on the transport provider to supply you with the services you have paid them for.
  • Connecting transport. If you miss the connecting flight/transport where the stopover, layover or connection originally schedule on your itinerary was less than 4 hours. 
  • Financial collapse.  Cover is not provided if you claim because of the financial collapse of an airline, travel agency, tour operator or accommodation provider. Or for a claim when your tour operator or wholesaler is unable to complete your booking because there were not enough people to go on the tour.
  • Act or threat of terrorism. Your claim arises directly orindirectly from an act or threat of terrorism.
  • Cancelled annual leave. We do not cover if You are a full-time permanent employee and Your pre-arranged leave is cancelled by Your employer,  unless You are a full time member of the Australian Defence Force or of federal, state or territory emergency services.

Terms and conditions, limits and exclusions apply. Please see PDS for full details.

Find out what else travel insurance covers here.   

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Cancellation FAQs

  • Am I covered if my flight is cancelled by rescheduling or maintenance by the airline? 
  • For fault of the airline such as schedule changes, aircraft maintenance or staffing issues, any refunds or re-arrangement of flights is the responsibility of the airline. We provide cover for unforeseen circumstances such as bad weather, natural disaster, strikes, collisions or if you become sick or injured and are unfit to travel. Please see the PDS for full details. 

  • Can I claim for the hotel cost if my outbound flight is delayed?
  • If your flight is delayed for more than 6 hours and you are unable to return home for the delayed period the Disruption to Journey benefits provides cover for reasonable costs for meals & accommodation up to  $200 for the initial 6 hour period with an additional $200 for each additional 24 hour period that the disruption continues.

    Please note that you will need to claim through your an airline first and show us documentation that they are not able to reimburse you for any associated costs due to a flight cancellation. Please see the PDs for full details on Disruption to Journey benefits.

  • Can I claim if I miss my connecting flight?  
  • It depends on the reason that you miss your connecting flight. Travel Insurance will cover you if you miss your connecting flight due unforeseen circumstances such as bad weather, natural disaster, strikes, collisions or if you become sick or injured and are unfit to travel. We do not cover for missed connecting flight that were fault of the airline as it is their responsibility to provide you with the service you have paid for. If you miss a connecting flight we recommend seeking compensation from your transport provider. 

  • If my flight is cancelled, can I book with another airline and claim?
  • It depends on the reason your flight was cancelled. If you decide to book with another airline because of your original flight was cancelled due to unforeseen circumstances such a strike, riot, hijack, civil unrest, weather, natural disaster then you may be entitled to claim. We always advise you to contact us first before paying out any additional travel expenses.

  • Am I covered if I miss a flight due to no Covid vaccination?
  • Many countries have requirements that need to be met when entering, such as covid testing, vaccination passports and quarantine regulations. It is your responsibility to be aware of the requirements needed for your destination as if you are denied travel or entry to your destination we are unable to cover you. You should always make sure you check the smartraveller website before you travel to ensure you understand any restrictions, travel warnings and recommendations relating to any country you intend visiting.



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