Cancelling a holiday is often not a nice thing to have to do. There are many reasons why people have to cancel their holidays and sadly it is often not for positive reasons. You would hope that if you do have to cancel your holiday that, as long as you have the right level of protection in place, it should be fairly straight forward and you should be able to get back most if not all of your money. ATOL offers protection to people booking a package holiday. If your flights or accommodation is cancelled by the company then you are entitled to a refund. If you have travel insurance and cancel your holiday sue to your circumstances then you will not be covered by ATOL but will be covered by your insurance. Depending on what level of cover you have and when you cancelled your holiday will vary the amount of money you get back.
Some holiday companies are making it harder for you to get back what you are owned and many holiday makers have reported having to go through a very lengthy process in order to get a refund of the money they are entitled too. It is vital that you read reviews on the travel agent and the insurance company you are thinking of using prior to doing so. This will allow you to see what issues other people have experienced and how likely they are to happen again.
