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Riya had planned her dream holiday to Europe for months. Flights booked? Tick! Hotels booked? Tick! An itinerary full of exciting activities? Tick, tick, tick! But just a week before her departure, a sudden downpour caused severe flooding, cancelling her plans. Does that mean Riya’s wonderfully planned trip, as well as the money spent on bookings, goes down the drain?
Riya is smart. He knows uncertainty is part of life, so she invested in international travel insurance. she wants to see if she can claim reimbursement. And if yes, what is the process for claiming flight cancellation insurance?
Let’s find out!
Yes, you can claim reimbursement if your flight is cancelled. International travel insurance policies include provisions for trip cancellation insurance. It means you can recover non-refundable costs incurred due to unforeseen events.
In addition to claiming insurance for flight tickets, you may also ask for compensation for extra expenses, such as accommodation changes and overnight hotel stays, due to delays or cancellations. However, the extent of this coverage depends on the specific terms and conditions of your airfare travel insurance policy.
Here’s a step-by-step guide to claiming reimbursement for your cancelled flight under your travel cancellation insurance:
1. Contact your insurer immediately.
It is the most crucial step. Inform your travel insurance provider about the flight cancellation and your intention to claim as soon as you receive notification from the airline. Most insurers have a time limit for filing claims, so don’t delay.
2. Gather the necessary documents.
You must submit documents supporting your claim against insurance for flight tickets. These include:
- A copy of your travel insurance policy document (Said document must consist of trip insurance for flights).
- Proof of cancellation from the airline, such as an email or notification.
- Documentation for the reason for cancellation, such as a weather report or a medical certificate.
- Receipts for any non-refundable trip expenses you have incurred, such as hotel bookings or pre-paid tours.
3. Submit the claim form.
The company will provide you with a claim form for trip cancellation under travel insurance. Fill it out and attach all the required documents. Once everything is in order, submit your claim.
Flight cancellation insurance provides valuable protection. However, your claim will only be valid if the reason for cancellation falls within the list of covered events mentioned in your specific insurance policy wording. Some of these are:
- Bad weather: Blizzards, hurricanes, typhoons, or any other severe weather conditions that disrupt air travel.
- Natural disasters: Earthquakes, floods, or other natural calamities that make travel unsafe.
- Technical faults: Mechanical problems with the aircraft or other unforeseen technical issues that ground the flight.
- Strikes: Strikes by airline staff or air traffic controllers that lead to cancellations.
- Terrorist attacks: If your flight is cancelled due to a terrorist attack in your destination city.
- Medical emergencies: A severe illness or injury that prevents you or a close travel companion from travelling.
- Government restrictions: A government-imposed travel ban or mandatory quarantine.
Here are some examples of situations where the company might reject your claim for trip cancellation under travel insurance:
1. Pre-existing medical conditions not disclosed or excluded by the policy.
2. Non-medical reasons, such as elective surgeries or cosmetic procedures.
3. Pregnancy-related cancellations.
4. Travel against the doctor’s recommendation.
5. Cancellation on your own will.
If your flight is delayed within India, you may be entitled to compensation under the regulations set forth by the Directorate General of Civil Aviation (DGCA). Here’s a basic overview of how to claim flight delay compensation in India:
1. Determine the eligibility:
· 1+ hour delay on domestic flights with a connecting international flight.
· 2+ hour delay on domestic flights exceeding 3 hours in total flight duration.
· 4+ hour delay on all other domestic flights.
Extraordinary circumstances are excluded.
2. Contact the airline and inquire about compensation for the delay.
3. If the airline is unresponsive, file an online complaint with DGCA.
DGCA investigates and attempts to resolve the issue with the airline and may issue a final order.
Some travel insurance plans offer a broader ‘cancel for any reason’ (CFAR) benefit. CFAR coverage is an optional add-on that allows you to cancel your trip for any reason, even if it’s not listed as a covered event in the standard policy. However, this travel cancellation insurance coverage comes at a higher premium.
Cancellations can wrench your travel plans, but travel insurance can help you get reimbursement for flight tickets and other expenses. Read your airfare travel insurance policy to understand the proper claims process.
Consider purchasing a travel insurance policy from Generali Central for comprehensive coverage and peace of mind. Their extensive range of plans can protect you against flight cancellations and other travel-related issues.
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