The policy will cover you if you have to cancel (or change) your trip for a reason stated in the policy or for a sudden, unforeseeable, justified reason beyond your control.

Bear in mind that the policy does not cover situations that you were aware of when you took out your policy. 

Here are some examples:

WHAT IS COVERED:

• my boss changes my holiday dates at the last minute despite having approved them
• I break a leg one week before I am due to leave
• I am suddenly audited by the tax authorities
• my dog is involved in a road accident the day before my trip
• I have earache and cannot fly
• my passport is stolen 2 days before I am due to leave
• I miss my plane because my train got stuck in the middle of nowhere
• one of my uncles dies suddenly
• my replacement at work is ill

WHAT ISN’T COVERED:

• I no longer wish to travel and prefer to stay in Paris in the rain
• my girlfriend has left me and I am too sad to travel alone
• I didn’t hear my alarm clock
• I forgot to renew my passport on time
• I forgot to have my vaccinations
• I purchased my trip without having asked my boss if I could take time off, and my boss has refused to allow me to do so
• the airline with which I am due to fly is on strike (in this case, the airline is duty bound to reimburse you for your flight)  
• the tour operator cancels the trip (the tour operator is duty bound to reimburse you)