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.
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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
It can, when you cancel for a reason your policy lists, such as illness, injury, or bereavement. Cancelling because plans changed is rarely covered.
Usually your trip1 booking confirmation, the cancellation email, proof of payment, and evidence of the reason such as a doctor's note.
Your booking is priced in ordinary currency, and the confirmation shows that amount. Insurers assess the claim on that value, not on the coins you sent.
Yes. Cancel the booking first so you recover anything the hotel's policy allows, then claim the remaining loss from your insurer.