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Flight cancellation insurance?!

England
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12 posts
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Flight cancellation insurance?!

Hi there,

My partner and I are planning a month in Cambodia and Vietnam next year. Flights are obviously the big expense. The trouble is the nature of my partners career choice is such that an opportunity of some kind could potentially come up at anytime, in which case he would need to remain in the UK (he is a musician/producer, so if for example he gets offered a big gig/tour/songwriting opportunity he kinda needs to take it). It has meant we haven't travelled much together as he is always concerned something will come up. What I am thinking in there must be some kind of insurance to cover you if you WANT to cancel your flight for no other reason than it being inconvenient? However all I can find online is insurance covering extentuating circumstances - death in family, illness, jury duty etc. Does anyone know if the insurance I am looking for even exists?

It's the end of the world if not because I'll go on my own if he can't go haha.

Edited: 05 February 2014, 16:34
Romford, United...
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1. Re: Flight cancellation insurance?!

Only possibility is to purchase a fully refundable ticket which is normally only available at a premium price

Edinburgh
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2. Re: Flight cancellation insurance?!

In short, no insurance company is going to cover you just for WANTING to cancel your flight. Everybody would do that then and cost the companies a fortune which would mean a huge rise in premiums for the rest of us!

Lancashire, United...
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for Playa Blanca
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3. Re: Flight cancellation insurance?!

No such thing as 'cancel for any reason' policies in the UK.

United Kingdom
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4. Re: Flight cancellation insurance?!

In the UK, which is probably the only market you have access to because most travel insurers require that a covered trip begins and ends in your home country, there are basically 2 types of policy.

The type you mention cover cancellation due to the listed Insured Perils, like illness of you or a close relative etc.

Some Underwriters offer cancellation cover for other reasons which are proven to be beyond the control of the policyholder.

However, as you are aware of a potential reason why the trip might need to be cancelled, ( job offer/ possibly erratic work pattern that could demand his presence in the UK during the trip) I believe you would have great difficulty in proving, if you needed to make a claim, that at the time of taking out the insurance you were totally unaware of any reason why the trip might need to be cancelled or curtailed.

I have spent almost 27 years in travel insurance and emergency travel medicine and am, I believe, quite well qualified to offer my thoughts.

I know there used to be an insurance broker in London called Stafford Knight, who specialised in finding cover for musicians, showbiz people etc. it's over 18 years since I had any dealings with them, but they might, just might, be able to find you an insurer who would underwrite this risk, although I think it would cost one heck of a lot of money, depending on the value of the trip as a whole.

The axiom I use in situations like this, albeit in extreme cases, is that you can't insure your house if the Fire Brigade are already on their way!

I do hope that you can find the right cover, and that if your trip goes ahead as planned, you will regard the premiums as money well spent for peace of mind.

Please come back and let us know how you get on.

Kind regards

Mondial

norfolk
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5. Re: Flight cancellation insurance?!

as i understood it - it would just be your partner who would cancel, and you would take the trip alone. either buy him a fully refundable ticket [just the international leg since internal flights should not cost too much] or simply 'self-insure'.

what i mean is - if a fully refundable ticket costs more than twice a cheap one, just accept the loss. this loss may not be as big as you think: government imposed taxes form a large part of the cost, and these should be refundable. check whether your airline imposes a charge for this - some do.

United Kingdom
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6. Re: Flight cancellation insurance?!

Pam

A lot of UK airlines impose an " admin charge" for dealing with requests for refunds of statutory taxes and charges, which, curiously enough, swallows up the taxes and charges either fully or the lion's share of them...

South Jersey
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7. Re: Flight cancellation insurance?!

I did this sort of research last year for similar reasons and yes there are travel insurance companies that DO offer "cancel for ANY reason" insurance. We used MH Ross for one and TravelSafe for the other trip. "Cancel for any reason" gets quite expensive though. But it might be cheaper than the penalties or losing the fare altogether... Short of paying a higher fare for a refundable/changeable fare, this might be a better option.

I found this site to be the best starting point for comparing the offers and strings attached... Read the fine print for each insurance package. Some let you customize but others give better rates for preset packages.

https://www.squaremouth.com/

Good luck!

Brooklyn, NY
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for New York City
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8. Re: Flight cancellation insurance?!

In the US there are indeed such policies. But, in your circumstances, I would be more inclined to compare the cost of a fully refundable ticket versus the cost of a cheaper restricted airfare, and then decide if the potential loss is worth the extra cost. Consider the realistic possibility of such a big gig coming available and make your decision.

United Kingdom
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9. Re: Flight cancellation insurance?!

" cancel for any reason" and " cancel for circumstance unknown the the insured at the time of booking the trip and taking out the policy" are somewhat different matters.

Nevertheless, I hope the the OP can find cover to suit their needs.

The UK insurance market, rates, extents of cover and rights of customer redress are very different from other markets elsewhere.

Chicago, Illinois
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10. Re: Flight cancellation insurance?!

Buy a fully refundable ticket. It'll cost more but then it is basically your insurance. Also if you're not going for a year, you can also wait to by the flights until you get closer to the time you want to travel. It may or may not cost more to do it that way, but a fully refundable ticket will cost more, too. If you get within a month of when you want to go, can you guarantee you'll be able to go?