Travel Protection Explained: What is ATOL, ABTA, and Protected Trust Services?
When planning a holiday, it’s natural to focus on the exciting parts, choosing the destination, exploring itineraries, and imagining that first sip of wine with a sea view. But behind every well planned trip should be something equally important: financial and consumer protection.
At Explore Escapes, we take your protection seriously. That’s why we work under three of the UK’s most trusted travel protection systems: ATOL, ABTA, and Protected Trust Services (PTS). But what exactly do they mean, and why should they matter to you as a traveller?
What is ATOL?
ATOL (Air Travel Organiser’s Licence) is a financial protection scheme operated by the UK Civil Aviation Authority (CAA). It applies specifically to holiday bookings that include flights.
When you book a package holiday that includes a flight through a UK based travel business that holds an ATOL licence, you are covered in the event that the company ceases trading. This protection ensures:
- A full refund if the travel provider collapses before you travel
- Repatriation if you are already abroad when the collapse occurs
- Replacement flights or accommodation if your travel is disrupted
An ATOL Certificate is issued at the time of booking. This is your proof of protection and should be kept safe. It clearly outlines what is protected under the scheme.
ATOL covers package holidays that include flights but does not apply to standalone flights booked directly with airlines or non flight arrangements.
What is ABTA?
ABTA (Association of British Travel Agents) is the UK’s leading travel trade association. It offers financial protection for holiday arrangements that do not include flights, such as:
- Coach holidays
- Rail journeys
- Cruises
- Accommodation only packages
ABTA protection ensures that if your travel company goes out of business, you won’t lose your money. But ABTA goes beyond just financial protection. It also:
- Provides access to impartial dispute resolution
- Sets and enforces a strict Code of Conduct for its members
- Supports customers in cases of travel disruption or complaints
This helps ensure that your booking is handled ethically, professionally, and with accountability. ABTA also offers practical guidance on travel rights, safety, and travel conditions.
ABTA covers land and sea based holidays, providing protection and peace of mind where ATOL does not apply.
What is Protected Trust Services (PTS)?
At Explore Escapes, we are accredited members of Protected Trust Services (PTS), a robust financial protection system tailored for independent travel businesses. PTS offers one of the most secure and transparent booking models in the UK travel industry.
Under this model:
- All customer payments are placed into a separate trust account, managed independently from our business.
- Funds can only be released once your travel arrangements are confirmed and appropriate supplier payments are due.
- We are backed by supplier failure insurance and subject to regular compliance checks to ensure complete financial integrity.
PTS membership means we fully comply with the UK Package Travel Regulations and offer our clients the same high level of financial protection as larger operators, without compromising on the personalised service you expect from a boutique travel agency.
With PTS, your money is protected from the moment you book until the moment you return home.
Why Travel Protection Matters
In today’s travel landscape, booking with a company that provides financial protection is not just a bonus, it’s essential. From airline failures to unexpected cancellations, these protections exist to make sure:
- Your money is safe
- You won’t be stranded abroad
- You have someone to turn to if plans change unexpectedly
At Explore Escapes, we are proud to combine the flexibility and care of an independent agency with the financial security of major industry protections. Whether you're booking a city break, a luxury cruise, or an accessible family holiday, you can trust that every detail is handled with your safety and peace of mind at heart.
Ready to book your next escape? Let us show you the world, securely, confidently, and with care.











