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How would you feel if you were going to meet your loved ones and your flight got cancelled? It's really frustrating, isn't it? When it comes to travelling, unforeseen circumstances like natural disasters, bad weather, or technical glitches can sometimes halt our plans, causing flight cancellations. Not only does this affect our schedules, but it can also cause problems with any pre-bookings you may have made for the day. That’s why you can protect yourself from these losses if you have travel insurance for flight cancellations.
Let's understand flight cancellation insurance better and learn more about its inclusions, exclusions and when to claim it.
Flight cancellations can happen for many reasons. When it comes to real problems, the aircraft usually has to deal with:
Sometimes, the weather can cause problems, like storms, fog, or heavy snow.
Occasionally, there may be technical issues with the aircraft.
If a flight is delayed coming in from a previous destination, this could cause a delay for the next flight.
Occasionally, staffing issues can arise due to illness or scheduling conflicts.
In rare cases, security concerns or emergencies may cause a delay.
While you cannot control airline cancellations, there are some personal things that you cannot control either.
You may fall ill.
Sometimes accidents happen.
Your co-traveller or a close family member could have any of the above problems.
Lastly, your cab driver may change his plans at the last minute.
To answer your question, if your insurance company says so, a comprehensive plan will cover the costs of a flight cancellation, interruption, or rescheduling. However, the insurance policy spells out a list of conditions that must be met in order for compensation to be given. This will only happen if the reason for the claim meets those conditions.
To claim the insurance, it's essential that you take it from your country of residence to an international destination before the trip starts.
There are several circumstances under which you can claim flight insurance for cancellation.
Losing a passport in a foreign country can put you in serious trouble. Our online travel insurance policy will cover the application fees and documentation expenses for you to get a duplicate one.
If you meet with an accident or if your immediate family member gets into an accidental hospitalisation/death.
If the journey is impacted by natural disasters like storms, floods, or hurricanes.
If the airline cancels the flight due to any reason.
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.
If you have to claim flight ticket insurance cancellation for any of the reasons mentioned above, the first thing you need to do is inform your travel insurance provider about the reason. Here are the two scenarios for which you can claim insurance.
In case of a natural disaster, you'll need to follow these steps:
Step 1: Get a copy of the discharge papers from the hospital.
Step 2: Collect signatures from the authorities, like doctors, surgeons, or people treating you.
Step 3: Submit the discharge papers and all the signed documents to the claim team.
In case of a natural disaster, you'll need to follow these steps:
Step 1: Collect the cancelled statement and the airline's no-refund stamp.
Step 2: Attach the denial letter from the government advisory.
Step 3: Submit the documents, and your claim will be processed.
Unfortunately, it’s not possible. Travel companies have specific standards they must follow, and they cannot approve everything. If the reasons mentioned in the specified insurance provider's policy are unjustified, you won't receive any reimbursement or standard fee. It's also important to note that each insurance provider's claim settlement conditions may differ. So, it's essential to carefully review the exclusions and inclusions before deciding.
Nobody will ever stop travelling, no matter what the reason is. However, sometimes unforeseen circumstances can disrupt even the best-laid plans. That's why considering getting a flight ticket insurance plan is always a good idea. This way, you can rest assured that you're covered if your plans change unexpectedly. With flight cancellation insurance, you're eligible for compensation for any losses incurred due to cancelled flights. Just be sure to read through the inclusions and exclusions carefully, along with the terms and conditions and claims settlement process, to choose the best insurance plan for your needs.
Yes, your travel insurance plan covers trip cancellations, interruptions and rescheduling and reimburses you for the cost of flights.
Yes, whether for airline or personal reasons, you can claim insurance and get compensation for your losses. However, before doing so, read the policy terms carefully.
You can file a claim as soon as the flight is cancelled, rescheduled or interrupted. However, it should be no less than 2 weeks from the date of the event.
Yes, travel insurance can be cancelled anytime and for any reason; however, it should fall under the policy’s money-back guarantee period if a refund is expected.
Some reasons covered:
If you have to cancel your trip because someone in your immediate family has COVID-19, you can get compensation to cover the costs.
Unfortunately, you won’t be eligible under such circumstances. However, if you want, you can cancel the insurance policy and get a refund after deduction.