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Chapka travel Insurance

Usually, travel insurance never covers the financial consequences if the airline or travel agency changes the return date of your trip. This is because they are normally responsible for reimbursing you for additional hotel costs except in the following cases of force majeure: fire, flood, earthquake, explosion due to a natural event, tsunami, landslide, avalanche, cyclone, storm, tornado, and volcanic activity, quarantine or lockdown at destination.

Thus, if you are unable to return on the planned date due to a change in your return journey by the travel agency or the airline (and as a result of the events listed above), we will reimburse you for the additional hotel and meal costs up to a limit of €100/night per person, with a maximum of 14 nights’ accommodation.

However, there are exclusions for this Unable to Return cover, for example:

-          The consequences of quarantine and/or movement restriction measures decided by a competent authority

-          War, riots and strikes

-          Financial insolvency of the travel agency or carrier

-          Known events, already declared, at the time of purchasing the insurance (e.g. a known pandemic)

See all exclusions, coverage, limitations and upper limits in the general terms and conditions file)

This answer only relates to: Cap Annual Assistance.