This is a vexed issue and much grief is suffered if an inadequate policy is purchased. To avoid disappointment it is advisable to read very carefully the cancellation conditions and exclusions within a travel insurance policy before you buy it.
Online Essentials provide cover for holiday cancellation arising out of death or disablement by bodily injury or illness of the insured person or that of a relative or friend with whom you have arranged to travel or stay, or a relative or of a close business associate; jury service or witness duties in a Court of Law; redundancy; your home becoming uninhabitable following fire, lighting, explosion, earthquake, subsidence, storm, flood, falling trees, riot or civil commotion, malicious damage, burst pipes or impact by aircraft.
Claims arising out of illness or accident will need to be confirmed by a doctor and cover excludes all expenses due to a disinclination to travel and circumstances that could reasonably have been anticipated at the time the trip was booked.
