Holiday Curtailment Expenses

Holiday curtailment insurance is one of the most important sections of a travel insurance policy. It provides cover if you have to cut the holiday short (curtailment) whilst you are away from home.

Most travel insurance policies will limit the total amount for which you can claim due to holiday curtailment and this will normally cover all irrecoverable expenses such as pre-booked holiday accommodation, travel expenses and anything else booked in advance that cannot be refunded by the supplier.

Curtailment cover is useful if you have booked for two weeks but have to come home early due to illness or a family bereavement as it can be used to reclaim the lost proportion of your holiday expenses.

It is common for the curtailment section of a travel insurance policy to also cover you if you have to cancel due to being called for jury service, being made redundant, your home becoming uninhabitable due to fire, storm or flood, cancellation due to hijack and curtailment expenses if you need to return home early due to the death, injury or illness of a close relative or business associate.

One of the biggest complaints about travel insurance claims under the holiday cancellation and curtailment section of a policy is not being covered due non-disclosure. This is mostly caused when somebody cancels their holiday due to a medical condition that they already had when they bought the travel insurance. It’s important therefore to check the Health Conditions applicable to the policy and declare all pre-existing medical conditions such as angina, high blood pressure and high cholesterol at the time of paying for the travel insurance.