All your bags are packed and you're ready to go- only to find your airline canceling your flight. Or, something came up and you had to cancel your entire trip from your end. Here starts the confusion- who will be covered for this cancellation? Will the airline compensate you or is it your travel insurance policy's job? Here's a quick guide for you to know everything about flight cancellation cover under travel insurance.
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Short answer – yes! You will be compensated for any cancellation, interruption, or rescheduling if it is among the reasons for which you were insured. There can be a number of reasons that may force your flight to be canceled- technical glitches, natural disasters, terror attacks, or adverse social or political conditions.
Not only this, but you can also claim compensation for any difference in the amount of your flight tickets along with accommodation changes. Your insurer will provide compensation not only for the unused tickets but also any unplanned additional expenses which can include overnight hotel accommodation because of delays or cancellations.
However, this depends a lot on your travel insurance provider and what are the conditions that you were insured for.
This could happen either because of your flight carrier or because of your personal reasons. Let's look at some examples to understand the reasons behind a flight's cancellation:
In such events and other reasons that may be caused by your carrier, your cancellation charges will be covered by the airline.
However, if the trip cancelation is initiated by you then there are many things to consider. In this case you should be well aware of your policy coverage benefits. Following are some examples to help you understand:
In such a condition if you don't have a flight cancellation cover, you will not receive any compensation for the flight tickets, booked accommodation, etc. Therefore, it is highly recommended to buy the best travel insurance plans as soon as you’ve purchased your flight tickets so that you don’t suffer damages. Most flight cancellation covers not only reimburse you for such contingencies but also help with the refund of other booking amounts that are refundable.
Now that you need to cancel your trip because of one of the insured reasons, you can be assured that your travel insurance cover will provide reimbursement for your losses. These are the steps for claiming compensation for flight cancellation under your international travel insurance plan:
Step 1: Inform your insurance provider of the reasons for the cancellation
Step 2: Submit all the required documents like a duly filled claim form, a copy of the correspondence with the airline that verifies the cancellation, original invoices, and other relevant documents.
Please note that most insurers do not entertain any flight cancellation claims if you don’t cancel your flight at least 24 hours before its scheduled departure. Other than this, there are also many other factors that could affect your compensation.
Traveling offers relief from the mundane every day and cancellations not only affect your plans but also your expenses. In such cases, flight insurance plans help you with the reimbursements. However, please remember that each policy has its own sets of conditions under which you will not be eligible for any benefits:
any situation can change and cause you to cancel your plans. This is why having a good travel insurance plan is very important. You also need to ensure if your situation is covered under your policy or not. If it isn’t, you will not be able to claim compensation. Thus, it is highly advisable that you read all the conditions of your international travel insurance policy. You can carefully compare them online at Policybazaar.com before buying one. It is important to know the eligibility of your travel insurance policy and decide which the best for your possible situation is.