(Original post by ladydeborah)
Does any travel insurance cover cancellation, when say you have to cancel a holiday in case exams change or you just can't make that date in the end?
For my gap year I worked for an air ambulance company which works on behalf of hundreds of major insurance companies, and the rules for cancellation are the same for virtually every policy out there.
I can tell you for certain that cancelling because of exams will not
be covered by anyone, without exception. The only time that cancellation is ever covered is when it is related to death (!), illness, compulsory quarantine, being called up for jury service / as a witness, redundancy and so on.
And it is really important to make sure that any insurance you buy has very good medical cover. It may mean that you have to pay a little more, but believe me, I had to deal with a lot of people (including hundreds of students) who were taken seriously ill during their travels, who weren't covered for their medical bills. Many of them were left with bills for thousands and thousands of pounds, and it was horrible having to break that to them.
I'd recommend STA Travel Insurance, as they specialise in insurance for students, backpackers and people on gap years. The prices are good as well, and if anything bad did happen to you and you needed help getting home, you'd be looked after by the company I worked for... who are absolutely excellent. Marks and Spencer is also very good.
If there's anything you're unsure of, ask me because I can't stress how important it is to make sure you get this sorted out.