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Cancellation or Change of Journey for Any Unforeseen Reason 

Cancel for Any Unforeseen Reason is a flexible trip cancellation benefit that protects you from unrecoverable travel fare and accomodation deposits due to unforeseen cancellations, which may arise from changes in plans, schedule conflicts, unexpected obligations, pet emergencies and more.

Cover for a 5-day trip to Asia with flexible trip cancellation benefit starts from HKD138

Cancel for Any Unforeseen Reason Coverage
protects you from unforeseen circumstances such as

 Change of plans
Schedule conflicts
Pet or family  emergencies
Unexpected work obligations
Visa delays
Event cancellations

Enjoy Flexible Trip Cancellation benefit Year Round

Are you planning to travel abroad multiple times a year?

Our Annual Travel Gold plan provides flexible trip cancellation protection over multiple journeys made worldwide. This plan is perfect for frequent travellers who want added peace of mind. Premium from HKD5/day. 

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5-day Cover to Asia from HKD138

Planning ahead can be difficult and life’s uncertainties can add to the stress of booking a trip overseas. 

Our Gold Plans now protect you from cancellation or change of journey which may arise from varies unexpected circumstances.

Premium for a 5-day trip to Asia starts from HKD138. All children and under 18s can further enjoy coverage at half price!

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How are you covered from Cancellation or Change of Journey?

Scenario
Within 30 days before the departure of the journey, if the flight is cancelled due to the impact of a natural disaster or severe weather, and the airline company has no available alternative flight arrangement within 24 consecutive hours.

Coverage
You are covered with Cancellation of Journey benefit up to 100% of the sum insured shown on the Schedule of Benefit. Allianz Travel Insurance shall reimburse you for the loss of travel fare and/or accommodation expenses paid in advance (less available refunds).

Scenario

An unforeseen incident disrupted your trip plan and you decide to change your travel date instead of cancelling your trip.

Coverage

You are protected under Cancel for Any Unforeseen Reason benefit. If there is a change of travel date, Allianz Travel Insurance shall reimburse you for the change fee, administrative fee, handling fee charged by the Common Carrier and/or accommodation arise from the change of travel date (less available refunds) up to the sum insured shown on the Schedule of Benefit, subject to 25% excess.

Scenario

You need to cancel your trip due to unforeseen reasons, such as change of plans, schedule conflicts, pet emergencies, unexpected work obligations, visa delays, and event cancellation.

Coverage

You are protected under Cancel for Any Unforeseen Reason benefit. Allianz Travel Insurance shall reimburse you for the loss of travel fare and/or accommodation expenses paid in advance (less available refunds) up to the sum insured shown on the Schedule of Benefit, subject to 25% excess.

Scenario

At the time of booking your trip, you were undergoing treatment for a serious medical condition. Your medical condition did not improve prior to your Departure Date, forcing you to cancel your travel plans.

Coverage

In this scenario, any losses incurred due to the trip cancellation will not be covered due to exclusions related to Pre-Existing Medical Conditions. Please keep in mind that even under our Cancellation (or Change) of Journey for any Unforeseen Reason, only losses which are not known, foreseeable, or intended will be covered.

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Is there any condition for me to get covered with Cancel for Any Unforeseen Reason?

Please note that for Single Trip Coverage, Cancel for Any Unforeseen Reason benefit will not be valid if the Policy Issue Date is less than 6 days before the Departure Date as shown on your Certificate of Insurance.
For Single Trip and Annual Coverage, the cancelation or change of journey must be notified to the Common Carrier and/or accommodation provider at least 24 hours prior to the Departure Date.

Please refer to Policy wording for full terms and conditions. 

Frequently Asked Questions

This benefit prioritizes flexible cancellation terms for travelers, allowing you to cancel your trip for a wide range of unforeseen travel disruptions or unexpected personal circumstances, offering comprehensive coverage for unrecoverable trip deposits due to unforeseen trip cancellations. 

Examples of the unforeseen reason are but not limited to change of plans, schedule conflicts, pet emergencies, unexpected work obligations, visa delays, and event cancellation.

This coverage protects you from unforeseen cancellation or change of your journey. Allianz Travel Insurance shall reimburse you for the loss of travel fare and/or accommodation expenses paid in advance (less available refunds) up to the sum insured shown on the Schedule of Benefits, subject to a 25.0% excess. 

The cancelation or change of Journey must be notified to the Common Carrier and/or accommodation provider at least 24 hours prior to the Departure Date. Refer to the Policy Wording for full terms and conditions.

We recommend purchasing travel insurance as soon as you book your flights or accommodations to ensure immediate protection. 

For Single Trip cover, this benefit will not be valid if the Policy Issue Date is less than six days before the Departure Date shown on your Certificate of Insurance. 

For example, if your trip departure date is on April 6th, the Issue Date shown on your Allianz travel insurance policy should be on or before April 1st in order to enjoy this benefit. 

Currently we offer this coverage in our Gold Plan only. Please be sure to read our Policy Wordings to ensure you choose the Plan that is suitable for you.
If there is a change of travel date, Allianz Travel Insurance shall reimburse you for the change fee, administrative fee, handling fee charged by the Common Carrier and/or accommodation arise from the change of travel date (less available refunds) up to the sum insured shown on the Schedule of Benefit, subject to a 25.0% excess. 

Yes, the following exclusions shall apply:

• Any event that was known, foreseeable, intended, or expected when your policy was purchased
• Suicide or attempted suicide 
• Criminal act
• Pandemics/epidemics
• Acts committed with the intent to cause loss
• Nuclear risks
• War
• Political risks
• Cyber risk

For the full exclusion list, please refer to Section 12.4 of the Policy Wording.