for Home Exchangers
Home exchangers can have problems finding a policy which includes adequate cover for cancellation.

Most travel policies do not cater for those who, like home exchangers, are independent travellers making their own arrangements for accommodation. For example, if you were going abroad to stay with relations, you would probably find that your travel policy did not cover you for cancellation if one of your relations fell ill. Fortunately, there is one company which recognises the need for this type of cover.