Does travel insurance cover a cancelled hotel booking?
It can, when you cancel for a reason your policy lists such as illness or bereavement. Cancel with trip1 first, then claim whatever the hotel did not refund.
Updated
What policies usually cover
Most cancellation cover responds to illness, injury, bereavement, jury service, and sometimes redundancy or a travel advisory against your destination. Changing your mind, or a cheaper option appearing, is not covered by any standard policy.
Cover also has to be in place before the reason arises. A policy bought after you fall ill will not pay out for that illness, and pre-existing conditions usually need declaring when you buy.
Terms differ significantly between insurers and countries, so read your own policy wording rather than relying on a general rule. trip1 is not an insurer and cannot advise on what your policy covers.
How to make the claim
- Cancel your booking on trip1 as soon as you know you cannot travel, because insurers expect you to limit the loss.
- Save your booking confirmation, the cancellation email, and the refund amount you received.
- Gather evidence of the reason, such as a doctor's note, a death certificate, or an employer's letter.
- Submit the claim for the unrecovered amount within your insurer's deadline, which is often 28 or 31 days.
Documents trip1 can provide
Contact support with your booking reference and we can supply written confirmation of the booking, the cancellation, the amount charged, and the amount refunded. That set of documents covers what most insurers ask for.
Travel insurance and cancelled hotel bookings - FAQ
Yes, but only for reasons your policy lists, typically illness, injury, bereavement, jury service and sometimes redundancy or a travel advisory against your destination. Cancel the booking first, recover whatever the hotel's policy allows, then claim the remaining loss. trip1 is not an insurer, so read your own policy wording to see what it covers.
It pays back prepaid travel costs you cannot recover, such as a hotel booking, when you cancel for a reason the policy covers. The cover must be in place before that reason arises: a policy bought after you fall ill will not pay for that illness. Terms vary a lot between insurers and countries, so check your own wording.
Changing your mind, or finding a cheaper option, is not covered by any standard policy. Reasons that arose before you bought the cover are excluded too, and pre-existing medical conditions usually have to be declared when you buy or they may not be covered. Anything the hotel refunds is also not claimable, because insurers only pay the unrecovered amount.
It can, when you cancel for a reason your policy lists, such as illness, injury or a death in the family. Cancel the booking on trip1 as soon as you know you cannot travel, because insurers expect you to limit the loss. You then claim the amount the hotel did not refund, with evidence of the reason.
Cancel first, then save your booking confirmation, the cancellation email and the refund you received. Add evidence of the reason, such as a doctor's note or an employer's letter, and submit the claim before your insurer's deadline. Contact trip1 support with your booking reference for written confirmation of the booking, cancellation, amount charged and amount refunded.
No. Your trip1 booking and confirmation are priced in ordinary currency, so the insurer assesses the claim on that amount, not on the coins you sent. Include the confirmation and the refund amount with your claim as you would for a card payment, and the crypto payment method makes no difference to the process.