12/06/2013 -- Mary Simpson
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Travel insurance cover for cutting your holiday short can take the financial pain out of having to return home sooner than planned.

Also called trip interruption, curtailment offers similar benefits to cancellation.

Acceptable reasons for making a claim are:

  • Accident
  • Illness
  • Bereavement
  • Home/business emergency (break-in, flood, fire)

Accident, illness or bereavement includes you, close family relative, travel companion, business partner or holiday host.

You should be covered if the Foreign Office advises British nationals to return home after your arrival and the reason wasn't foreseeable when you booked.

How much cover?

Limits can vary from £500 to £8,000, depending on the insurer. If you’re very unlucky, you could have to come home on day one, so make sure it covers all holiday costs (hotel, flights, pre-booked excursions, car rental fees).

What it covers

  • Reimbursement of unused travel and accommodation expenses
  • Travel costs to get you back home

What's not covered

Insurers can refuse to pay out if illness is the result of an undisclosed pre-existing medical condition.

If you feel you need to go home because of illness, contact their 24-hour emergency assistance service for advice.

Insurers can reject a claim on the grounds it’s not 'medically necessary,' so you’ll need a medical certificate and doctor's letter for back up.

Check the small print for timeshare holidays and trips booked using Air Miles as sometimes these aren't covered.

You can buy add-ons to cover the unexpected, also known as Acts of God (eg catastrophe cover for earthquake).

Terrorism/civil war may not be covered, except for medical emergency expenses. Check policy details.