Cancellation Due to Change of Mind Cover

Plans change. Sometimes for no reason at all. With this optional add-on, you’ve got the flexibility to cancel your trip, if you simply change your mind.

What is Cancellation Due to Change of Mind Cover?

This optional benefit gives you extra protection if you decide not to go ahead with your trip – even if nothing “goes wrong.”

If you cancel before you travel, you can claim back up to 75% of your non-refundable travel and accommodation costs, up to your selected cancellation limit.

It’s cover for the “what if I just don’t want to go anymore?” moments.

Why add this cover?

Because sometimes plans change.

This cover gives you extra flexibility, so if life throws you a curveball or you simply don’t want to go anymore, you have the option to cancel.

Add Cancellation Due to Change of Mind Cover to your policy and get more flexibility before you travel, protection for non-refundable bookings, and less stress when plans change.

How Cancellation Due to Change of Mind Cover works

What you’re covered for

With this cover, you can cancel your trip for reasons like:

A simple change of mind

Leave not approved

A change in your work situation

Unexpected expenses that impact your trip

How it works

If you meet the eligibility criteria and cancel your trip before departure:

We’ll pay 75% of your non-refundable costs

Up to your selected cancellation limit or the maximum benefit payable of $20,000 (whichever is lower)

To be eligible for this cover

You need to purchase it at least 7 days before your trip starts

Paid for your travel, accommodation, tours, or cruise at least 48 hours before the Policy issue date up to, but not including, the trip start date.

You must cancel your trip at least 48 hours before departure

You’ll need to try to recover any refunds from your travel providers first
Your trip is not cancelled by travel providers, or affected by Do Not Travel warnings, war, pandemics or other known events.

Read the PDS for full terms and conditions.

How does the PassportCard Instant Payouts work?

As long as you’ve packed your PassportCard, you’re ready for when “it” happens. We can provide instant payouts on approved common claims, anytime, anywhere*.

Medical issue overseas?

Need a doctor? In pain and not sure what to do? Call or Whatsapp our 24/7 support team and we can direct you to the nearest pharmacy, hospital or doctor.

For approved claims we will load the PassportCard with funds to cover your medical costs.

Luggage delayed?

When your luggage isn’t where you are, it’s hard to begin your holiday. Just call us and we can add up to $250 to the PassportCard to buy emergency essentials.

Cash stolen or lost?

No cash, no holiday! Call us and we can put $350 (or up to $700 for 2 adults) on the PassportCard for you to withdraw from the ATM.

Get a quote

Cancellation Due to Change of Mind Cover FAQ

Yes, if you change your mind this cover is designed for exactly that. Whether you can’t get leave approved, or something unexpected comes up, you can cancel your trip and claim (as long as you meet the eligibility criteria and it’s not an excluded reason).

You can claim 75% of your non-refundable travel and accommodation costs up to your selected cancellation limit or maximum benefit payable of $20,000, whichever is lower.

You’ll need to add it at least 7 days before your trip starts, and your travel must be paid within 48 hours before or after purchasing your policy.

Yes – you must cancel your trip at least 48 hours before departure to be eligible.

Yes you’ll need to make reasonable efforts to recover any refunds or credits from your travel providers before making a claim.

Like all insurance, there are terms, conditions and exclusions. If your trip is cancelled by travel providers, or affected by Do Not Travel

Most awarded travel insurance company of 2025 as of 4 September 2025 – more info.

All benefits and covers are subject to the terms, conditions, limitations and exclusions listed in the Combined Financial Services Guide and Product Disclosure Statement and on other policy documentation, including the schedule.

Cover your next trip with PassportCard

Get a quote Call us