Top Up Cancellation Cover

If the cost of your trip exceeds the cancellation limit on your existing travel insurance policy, Top Up Cancellation Cover can provide additional cover up to £50,000 per person.

Most banks, comparison sites (i.e., Moneysupermarket) and credit card policies have a set limit that does not exceed £7,000 on a travel insurance policy.

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or contact us by telephone or email, 0800 043 0020 / 01273 092 757 support@jsinsurance.co.uk

Example of Cancellation Top Up Cover

1. You book a trip costing £20,000

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2. Your existing travel insurance policy only covers £5,000, leaving you £15,000 short

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3. You want to increase your cancellation cover to match the cost of the full trip to £20,000

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4. You purchase Top Up Cancellation Cover for £15,000; now you are fully covered for the entire cost of your trip.

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How It Works

This policy is separate from your existing travel insurance. When you make a successful cancellation or curtailment claim:

• Your main travel insurance policy pays up to the cancellation or curtailment limit.
• This Cancellation Top Up policy then pays the remaining outstanding amount.
• You receive up to your chosen top-up limit on top of what your main policy pays.

Cover will only operate when the underlying limit of your main travel insurance policy is exceeded, following a successful claim.

Holidays That Often Exceed Standard Policy Cancellation Limits

1. Ski and Snowsport Holidays (i.e., Alps, Canada, Iceland) - £8,000 to £20,000+

2. Safari and Wildlife Tours (i.e., Kenya, Tanzania, Botswana) - £8,000 to £25,000

3. Maldives and Overwater Villa Stays - £8,000 to £20,000+

4. Luxury Cruises (Ocean, River, Expeditions) - £5,000 to £50,000+

5. Trekking and Expeditions (i.e., Everest Base Camp, Kilimanjaro, Machu Picchu) - £4,000 to £12,000

6. Goriilla Trekking (i.e., Rwanda, Uganda) - £6,000 to £15,000

7 Golf Tours (i.e., Pebble Beach, Augusta) - £5,000 to £12,000

8. Long Haul First Class and Luxury Resort Packages (15,000 to £30,000+

9 Weddings and Honeymoons (i.e., Maldives, Seychelles) £8,000 to £20,000)

10. Multi-Generation Family Villa Holidays - £20,000 to £50,000+

Frequently Asked Questions

Do I need to already have travel insurance to purchase this Top Up?

Yes. This is a top-up policy, not a standalone travel insurance policy. You must already have a main travel insurance policy with at least £1,000 of cancellation or curtailment cover per person before you can purchase this top-up.

How much additional cover can I get?

You can purchase up to £50,000 of additional cancellation cover per person. The exact amount you choose will be shown on your schedule.

My main policy is an Annual Multi-Trip Travel Insurance policy. Can I still use this cancellation Top Up?

Yes. Even if your main policy is a Multi-Trip Travel Insurance, this top-up policy provides cover for a specific single trip. The dates of that trip will be shown on your schedule.

What is the 7-day waiting period?

Cover does not apply to any event that occurs within the first 7 days of your top-up policy start date. This means if something happens that leads to a claim within the first 7 days of purchasing this policy, it will not be covered. Please purchase well in advance of your trip.

What happens if my main insurer refuses my claim?

This top-up policy only pays out where your main travel insurance policy has acceopted a paid a claim. If your main insurer refuses the claim for any reason, this top-up policy will not pay out either.

Can I cancel this policy if I change my mind?

Yes, within the 14-day cooling-off period. If you cancel within the 14 days of the policy start date (or of receiving the policy, whichever is later), if you have not started your trip or made a claim will will receive a full refund.

Is there an age limit?

Yes. You must be aged 85 years old or under at the time of puchasing at the time of purchasing this Cancellation top-up policy.

Does this cover travel outside of the UK?

Yes, the cover matches the geographical location on your existing policy.

Does this policy cover Covid 19?

It mirrors your existing policy exactly. If your travel insurance policy covers Covid-19 cancellation claims and your claim is successful, this top-up will also pay out the additional amount above your main policy limits. If your main policy does not cover Covid 19, this top-up will not cover it either.

Eligibility Requirements

To purchase this policy, you must meet all of the following criteria:

• You are aged 85 years or under at the time of purchase.
• You are a permanent resident of the United Kingdam.
• You are in the UK at the time of purchasing this top-up policy.
• You have purchased your main travel insurance policy before purchasing this top-up policy.
• You have at least £1,000 of cancealltion or curtailment cover per person on your existing travel insurance policy.

This policy applies to specific trips, dates of which are shown on your schedule. If your main travel insurance policy is an Annual policy, this top-up policy will only cover a specific trip.

Cover Details

What You Are Covered For:

• Cancellation costs that exceed your main policy's cancellation limits.
• Cutting your trip short (curtailing) costs above your existing limit.
• Up to £50,000 per person in additional cover.

What You Are Not Covered For:

• Any claim that your main travel insurance policy does not respond to or where the underlying limit is not exceeded.
• Any claim that is refused under the main travel insurance policy.
• Claims arising from any event that occurs during the 7 days wauiting pweriod aftger purchase. 
• Any imminent claim you were aware of before the policy inception date.
• Any claim amount that has been waived or reimbursed by a third party.
• Losses arising from war, invasion, acts of terrorism, or nuclear/radioactive events.
• Losses arising from cyber acts or cyber incidents.

Key Considerations

• Your main travel insurance policy must be valid a nd in force at the time of any cancellation or curtailed claim.
• Your main travel insurance policy must have at least £1,000 of cancellation or curtailment cover per person.
• The insured person making the claim must be named on both this schedule and your main travel insurance policy.
• You must comply with all terms and conditions of both your main travel insurance policy and this top-up policy.
• This policy is a separate contract from your main travel insurance policy.

This top-up policy is underwritten by Endurance Worldwide =Insurance Limited, authorised by the Orudentialk Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulatory Authority (registered number 219654). Arranged and administered by PJ Hayman & Company Ltd (FCA firm reference number 497103). Subject to English law and the jurisdiction of courts of England and Wales.

Please read the full policy document carefully before purchasing.