28 November 3 MINS READ
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If you must postpone or cancel a trip due to a major illness, a death in the immediate family, a natural disaster, or another event specifically covered by your policy, travel insurance may be able to pay you for the nonrefundable portion of your flight costs. You must, however, cancel your flight and submit your claim properly if you want to ensure that it is handled properly.

In this article, we discuss steps you need to take to cancel a flight plus tips to deal with a flight cancellation.


1. Contact the airline and cancel your flight

To reschedule your flight, contact the airline. You can do this for the majority of airlines online, via their app, or by calling customer care. Whether or not you have travel insurance protections is unimportant to the airline.

2. Assess the value of your claim

You might be eligible for a partial or full refund of your ticket cost if you have to cancel a flight. Up to your eligible limits, travel insurance reimburses you for the nonrefundable portions of your affected travel plans; your claim amount is equal to the cost of your nonrefundable travel plans minus any refunds you have already received.

3. Introduce your claim

The majority of travel insurance companies allow customers to initiate claims by phone or online. Some companies let you submit a claim via their mobile app. Have your coverage information and travel information close at hand to get started.

4. Examine the checklist for claim documents

The documentation you'll need to submit your claim are frequently listed on the websites of travel insurance companies. Even if you don't know why the insurance provider is requesting certain documents, get them all nonetheless.

5. Send your supporting files

Once you have the necessary paperwork, send it to the travel insurance provider for inspection. It is preferable to send all the data at once rather than in bits and pieces so that the claims adjuster can decide swiftly.

6. Quickly respond to any new requests

If the insurance provider asks for more paperwork or information, go back to them as soon as you can. Your claim might not be accepted if too much time has passed. handy.


1. Recognize the covered reasons for trip cancellation

People who purchase travel insurance with trip cancellation benefits occasionally believe it to be "cancel for any reason" insurance, meaning they believe they can cancel a trip for any reason and receive a refund. However, that is not how trip cancellation benefits operate. Before canceling your trip, check to see if your travel insurance can reimburse you for any lost expenses.

You can find a long list of covered reasons for travel cancellation in your plan paperwork (and trip interruption). The scenarios or occurrences for which your insurance policy can provide coverage are known as covered reasons, and depending on the insurance plan you purchase, these reasons may vary.

2. Confirm that you fulfill the conditions necessary to cancel the trip

For instance, your insurance may cover travel cancellations due to illness if the disease is sufficiently incapacitating to force a reasonable person to cancel their trip and if a doctor recommends that you do so. If that isn't possible, a doctor must confirm the decision to cancel your trip within 72 hours by seeing you or consulting with you. Additionally, you must give at least 72 hours notice to your travel partners, such as the cruise line, airline, and excursion providers, if you must cancel your trip.

3. Do your best to reschedule canceled flights

Sometimes, a trip starts off on the wrong foot when bad weather or some other emergency delays your departure. You shouldn't immediately abandon your trip if your flight is canceled or you have other delays. You must make every effort to begin, complete, or continue your adventure.

Also, keep in mind that having travel insurance can make delays more tolerable. Travel delay benefits will pay you back if your journey is delayed for a covered reason (by the minimum number of hours specified in your policy document) for meals, lodging, communications, and transportation expenses incurred as a result of the delay.

4. Keep detailed records

You'll need to provide proof of the reason your trip was canceled as well as the total amount you need to be repaid in order to submit a trip cancellation claim. As such, keep copies of all emails and documents you receive regarding your trip. Also, don’t wait too long. You have about 90 days from the date of your loss to file a claim.


It's always a good idea to protect yourself with travel insurance you can rely on, especially with airline cancellations and delays on the rise. To stop the insurance company from rejecting your claim, meticulously follow the instructions and keep detailed records. When you buy flight insurance as a component of a comprehensive travel insurance package, you may travel without stressing out about all the potential problems. If money is tight, take into account purchasing a cheap travel insurance policy.

Are you protected if a last-minute trip cancellation happens? With Black Insure, you can get Get Travel Insurance for your next adventure!

Get started here.