High-Value Holiday Insurance
Travel Insurance for once-in-a-lifetime holidays, luxury cruises, long-haul adventures and special trips.
When you’ve invested in a trip you’ve always dreamed of, your Travel Insurance should reflect your plans. At Just Travel Cover, we compare policies from our panel of insurers, including cover for pre-existing medical conditions and options for higher-value holidays.
Booked a world cruise, safari, extended holiday or premium getaway? Our team can help you choose a policy that suits your trip and discuss options to increase your cancellation cover if you need additional protection.
Maximum trip lengths vary by insurer and policy and may depend on factors including age, destination and medical history. Terms, conditions and exclusions apply.
Travel Insurance for Holidays Worth Protecting
Every holiday is important, but some trips involve a bigger investment. Whether you’re booking premium accommodation, upgrading your flights or visiting multiple destinations, the total cost of your holiday can quickly increase.
Having suitable Travel Insurance in place can help protect you if the unexpected happens before or during your trip, including cancellation, emergency medical expenses, lost baggage and more (subject to your policy terms).
At Just Travel Cover, we specialise in helping travellers find cover tailored to their needs, including Travel Insurance for pre-existing medical conditions and options from selected insurers with no upper age limit.
Cover for pre-existing medical conditions is subject to medical screening and the terms of the policy selected.
Is Your Cancellation Cover Enough?
When arranging Travel Insurance for a higher-value holiday, it’s important to check more than just the price of the policy. Policies often include different levels of cover, such as Bronze, Silver and Gold, with different benefits, limits and excesses. The right option for you will depend on your trip, medical needs and the level of protection you’re looking for.
One of the most important things to consider is: Would your cancellation cover protect the full cost of your holiday if you could no longer travel?
For some higher-value trips, the policy that suits your needs may not always include enough cancellation cover for the total cost of your holiday. In these situations, you may be able to increase the cancellation element rather than choosing based on cancellation limits alone.
We compare a range of policies from different insurers. Cover levels, trip-length limits, eligibility and exclusions vary between insurers and policies.
| Holiday cost | Policy cancellation limit | What happens next |
|---|---|---|
| £8,000pp cruise | £10,000pp cancellation | The cancellation limit may be sufficient, subject to policy terms |
| £15,000pp safari | £5,000pp cancellation | There could be an £10,000pp difference between the trip cost and cancellation limit |
| £30,000 world cruise | £12,500pp cancellation | Additional cancellation cover may be worth considering |
The figures shown are illustrative examples only. Cancellation limits, cover levels, excesses and eligibility vary between insurers and policies. The cover available will depend on your individual circumstances, which may include your age, destination, trip length and medical history. Terms, conditions and exclusions apply. Please check the policy wording to ensure the cover meets your needs.
If your chosen policy doesn’t provide enough cancellation cover, our team can help you compare the policies available based on the information you provide, including Boost: Cancellation or Top-Up Cancellation depending on your circumstances.
How to Increase Your Cancellation Cover
1. Compare Travel Insurance policies
Start by getting a quote and comparing cover from our panel of insurers. Consider your medical needs, destination, trip length and the total cost of your holiday.
2. Check your cancellation limit
Each policy will have different cancellation limits. Check that the amount covered reflects what you have paid for flights, accommodation, cruises, excursions and other pre-booked costs.
3. Speak to our Travel Insurance specialists
If you need more cancellation cover, speak to our team. Depending on your circumstances, we may be able to help increase your cancellation protection through Boost: Cancellation Cover or discuss other options.
Call: 0800 294 2969
Booked a Higher-Value Cruise?
Cruises are often a bigger investment than a standard holiday, especially when booking longer itineraries, upgraded cabins, excursions, flights or once-in-a-lifetime routes.
If you’re planning a special cruise, it’s important to make sure your Travel Insurance reflects the total cost of your trip, including checking that your cancellation cover is suitable.
At Just Travel Cover, we compare Cruise Travel Insurance policies from our panel of insurers, including cover for hundreds of pre-existing medical conditions. If your chosen policy doesn’t provide enough cancellation cover, our team can discuss options that may help increase your protection.
Planning a premium cruise experience? Find out more about Luxury Cruise Travel Insurance.
Honeymoon Travel Insurance
Your honeymoon is one of the most memorable holidays you’ll ever book, and it’s often one of the biggest investments.
From luxury resorts and long-haul destinations to multi-stop adventures, costs can quickly add up. Arranging Travel Insurance early means eligible cancellation cover can begin from the policy start date, subject to the terms, conditions and exclusions of the policy selected.
If you’re travelling together, you may be able to arrange Couples Travel Insurance, allowing two people who live at the same address to be covered under the same policy. This can make it easier to manage your cover for your honeymoon or special trip.
If your honeymoon costs more than your policy cancellation limit, speak to us about your options.
Retirement Trips and Bucket-List Holidays
Retirement can be the perfect time to take the holiday you’ve always dreamed of.
Whether that’s exploring Australia, joining a once-in-a-lifetime cruise or finally visiting a destination on your bucket list, your Travel Insurance should reflect your plans.
We specialise in helping travellers find cover at every stage of life, including Travel Insurance with no upper age limit and cover for hundreds of pre-existing medical conditions.
High-Value Holiday Travel Insurance FAQs
Do I need specialist Travel Insurance for an expensive holiday?
If you’ve booked a higher-value holiday, it’s important to check that your Travel Insurance provides the level of cover you need. This includes checking your cancellation limit, medical cover, baggage limits and any trip-specific requirements.
What happens if my holiday costs more than my cancellation cover?
If your holiday costs more than the cancellation limit on your Travel Insurance policy, you may not be able to claim back the full cost if you need to cancel for an insured reason.
Our team can discuss options to increase your cancellation cover where available.
Do I need higher cancellation cover for a world cruise?
Longer durations, multiple destinations, upgraded cabins, excursions and flights.
Before setting sail, check that your cancellation cover reflects the total amount you have paid for your cruise. If your policy limit is lower than your overall trip cost, you may want to consider additional cancellation cover.
Our Travel Insurance specialists can help you compare your options before you travel. Find out more about World Cruise Travel Insurance.
Should I always choose the highest level of Travel Insurance?
Not necessarily. It’s important to choose a Travel Insurance policy based on your overall needs, not cancellation cover alone.
At Just Travel Cover, many of our policies are available with different levels of cover, such as Bronze, Silver and Gold. These options usually provide different benefits, cover limits and excesses, allowing you to choose the policy that best suits your needs.
When choosing Travel Insurance, it’s important to look at the full policy, including medical cover, baggage, cancellation limits and any additional benefits, rather than choosing based on cancellation cover alone.
If you find a policy that suits your holiday and personal circumstances, but the cancellation limit doesn’t cover the full cost of your trip, our team can discuss options to increase your cancellation cover where available.
Can I get Travel Insurance for a 90-day or 100-day cruise?
Yes, we can help you find Travel Insurance for longer cruises, including extended voyages and round-the-world trips.
Longer cruises can often cost more than a standard holiday, so it’s important to check your policy includes the right level of cover for your trip, including medical expenses, cruise benefits and cancellation cover.
If the cancellation limit does not reflect the full cost of your cruise, speak to our team about your options.
Travelling with Fred Olsen Cruise Lines? Read our guide to Fred Olsen Cruise Travel Insurance requirements.
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