Travel Insurance With Flight Cancellation Cover
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Imagine you’re travelling to meet loved ones, and your flight gets delayed or you have to cancel it. It's really annoying, right? We can't change airline problems or bad weather, but travel insurance can help protect you from problems that come up out of the blue, such as flight cancellations due to unforeseen reasons, delays, and missed connections.
In this blog, we’ll break down what flight cancellation insurance covers, the conditions for claims, and what’s not covered under your policy.
Flight Cancellation and Delays: What’s Covered?
Flight cancellations or delays can happen due to weather, technical issues, or unforeseen events. Here’s a breakdown of what’s covered and what’s not:
Flight Delays
If your flight is delayed by more than a specific hour upon arrival, your insurance will cover compensation to ease the inconvenience.
Note: Rescheduling of flights by the airline is not covered under this benefit, nor are cancellations caused by the airline.
Missed Flights
If you miss your flight, your policy may cover the cost of booking a new flight, provided it departs within a specific hour of the original scheduled departure.
Note: Flight cancellations or rescheduling by the airline are not covered under this benefit.
Missed Connecting Flight
If you miss your connecting flight due to a delay of more than a specific hour of your original flight, your policy will cover the cost of booking the next available flight.
Note: This benefit does not apply if you miss the connecting flight because the airline cancels or reschedules the first flight.
Trip Cancellation
If you need to cancel your trip due to a medical emergency, the death of immediate relative, or natural disasters, your insurance will cover your flight cancellation charges.
Trip Cancellation Due to COVID-19
If your trip is cancelled due to a positive COVID-19 test and you are quarantined, your insurance will cover the flight cancellation costs if the trip falls within the government-specified quarantine period.
When My Flight Ticket Cancellation Insurance not be Valid?
If you need to cancel your flight for the following reasons, you will not be eligible for flight ticket insurance cancellation:
If you or your co-traveller are suffering from an existing medical condition that has worsened.
If your cancellation is due to pregnancy or childbirth-related issues.
If your immediate family member is facing these issues.
If there are any unforeseen strikes or mob violence in the area.
If the government denies travel, poses a ban.
Lastly, if you've undergone any cosmetic surgery that isn't related to a serious accident.
When Won’t Flight Cancellation Insurance Apply?
Certain situations are not covered by flight cancellation insurance, including:
Cancellations due to pre-existing medical conditions.
Cancellations due to pregnancy or childbirth issues.
Cancellations by the airline.
Cancellations related to strikes or civil unrest.
Government travel bans or travel restrictions.
Cosmetic surgery that’s not linked to a serious accident
How to File a Claim for Flight Cancellation Insurance?
If you need to claim for any of the above reasons, follow the steps below and provide the required documents:
Claim Process
Fill and Sign the Claim Form.
Submit the original air ticket and travel itinerary.
Provide proof of forfeited, non-refundable prepaid payments made before departure.
Provide written proof from the concerned authority explaining the reason for cancellation.
If applicable, submit proof of death or hospitalisation of the insured person, spouse, parents, or children.
For medical reasons, include medical reports and a doctor's statement confirming that the trip was canceled or interrupted due to medical reasons.
If applicable, submit reimbursement statements issued by the airline or carrier.
Depending on your case, additional documents or information may be required.
Can I Claim Flight Cancellation Insurance for Any Reason?
Unfortunately, not every reason qualifies for compensation. Travel insurance providers have specific terms and conditions that must be met for a claim to be valid. Be sure to carefully review the policy exclusions and inclusions before purchasing insurance.
Protect Your Journey with the Best Travel Insurance for Flight Cancellations
Though flight delays, cancellations, and other disruptions are often unavoidable, having the right travel insurance in place ensures that you’re financially protected in case of an emergency. Whether it’s a medical emergency, flight delay, or natural disaster, insurance can give you the reassurance you need.
Frequently Asked Questions
If you have any questions related to the flight cancellation insurance, here’s what you need to look at:
Does my insurance cover flight cancellations?
Yes, your travel insurance covers trip cancellations, interruptions, and rescheduling as long as the cause meets the insurance policy's terms.
Can I claim insurance if my flight is cancelled?
Yes, you can claim if the cancellation is due to eligible reasons like medical emergencies or natural disasters. However, airline cancellations are not covered.
How soon can I file a claim for flight cancellation?
You can file a claim when your flight is cancelled, rescheduled, or interrupted, but it should be done as per the policy terms.
Can I cancel travel insurance within 24 hours?
Yes, travel insurance can typically be cancelled during the money-back guarantee period, but terms may vary depending on the provider.
What are the valid reasons for flight cancellation coverage?
Some valid reasons include:
- Health issues (accidents or death in the family)
- Bad weather or natural disasters
- Terrorist attacks
If a close family member gets COVID-19, can I claim flight cancellation insurance?
If a close family member tests positive for COVID-19 and you need to cancel your trip, you may be eligible for compensation. Make sure you read the policy exclusions and inclusions.
Can I claim flight cancellation insurance if the government imposes a ban or COVID-19 restrictions?
Unfortunately, cancellations due to government travel bans or COVID-19 restrictions are generally not covered. You may, however, cancel your policy and receive a refund (as per policy terms).
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