Holidays: In case of severe disease, cancel quickly!

Even with a completed trip cancellation insurance, ill tourists can be threatened with high costs.

Because those who have the knowledge of their illness, cancel too late and thus increased reversal costs, may have lost their claim against the insurance partially. This was the district of a court on Friday that the claim of a holiday to the full reimbursement of the cancellation costs declined. The man had barely even pay 1000 euros.

The man had four months before beginning a long holiday booked toes have been amputated. Although it is in the healing of severe complications and had a second operation was necessary, the man said the trip just a week before the scheduled start from. Of the cancellation fees in the amount of 1150 euros, the insurance then just 200 euros. Their reasoning: This amount would be incurred, the plaintiff would have to travel at least 30 days before canceled.

The judges plead for the insurance company. The plaintiff had the contractual obligation, upon the occurrence of the insured event to travel immediately to cancel to the cancellation costs will be minimized. This he had "grossly negligent" violated, they argued. At least two months before the holidays start had him because of the complications, "must be imposed that the hardships of a trip without the care provided by nurses would be unable to cope."

Trip cancellation insurance: How much should it cost?

The amount of payment for a trip cancellation insurance should depend on the tour. For a trip worth 1500 euros, for example, it is a "good" rate to pay a price around 50 to 60 euros to be insured.

If you do several trips per anno, a one years Police may be useful for a price 45 to 60 euros per year, where all trips of the year are coverd by the insurance.

But always keep in mind: For a trip cancellation, even customers with a cancellation insurance have to bear 20 percent of the cancellation costs by themselves - which is policy according to most providers.