Flight Cancellation Insurance and Airline Ticket Refund

Flight Cancellation Insurance and Airline Ticket Refund


You've been dreaming of this trip for several months… Only now, an unforeseen event has unfortunately disrupted your plans. Whether you are forced to cancel your flight or the decision is made by the airline, you wonder if you can claim a refund for your plane ticket. From the usefulness of taking out flight cancellation insurance at the time of booking, to the procedures to be carried out, including the conditions and procedures for reimbursing cancellation fees, we explain everything to better manage the unforeseeable.

Our insurance certificates taken out on our site include the words "Cover for health costs related to Covid-19"
1. What is the purpose of flight cancellation insurance?

Optional, flight cancellation insurance can nevertheless be very useful if you have to forgo your trip because the cancellation costs can be very high. It guarantees the insured reimbursement (total or partial) of cancellation fees which are systematically imposed by airlines and tour operators.

Obviously, a simple change of opinion on the destination or the desire not to leave to attend the 40 years of his best friend do not constitute a valid reason for triggering this guarantee! Only a sudden, unforeseeable event beyond your control (covered by the contract), and which must be justified, makes it possible to claim it.

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2. Under what conditions?

Each insurer can offer its own conditions for reimbursement of cancellation costs. Carefully read the various general conditions offered in airline ticket insurance contracts as well as the exclusion clauses to avoid any unpleasant surprises. Generally the valid causes supported are as follows:

the death, accident or illness of the insured or one of his relatives
a professional reason: dismissal, transfer, obtaining a job, modification or cancellation of leave by the employer
the invitation to a resit exam for students
a major home damage (fire, water damage, etc.) that occurred just before the departure date - an event in the destination country: attacks, natural disasters, major political crisis, etc.
3. How are the cancellation fees calculated?

They vary depending on the provider and can be gradual depending on when you canceled your trip.

The earlier you cancel, the lower the cancellation fee will be and the closer you cancel to your scheduled departure date, the higher it will be, or even an amount equivalent to 100% of the ticket.

Without theft cancellation insurance, you risk losing a lot of money.

4. What are the steps to follow to get reimbursed?

As soon as you have decided to cancel your flight, you should contact the insurance company as soon as possible.

With your insurance contract number, put together your file which must contain all the documents justifying the validity of the reason for cancellation (covered by your contract) and necessary for triggering the theft cancellation reimbursement guarantee: medical or death certificate, hospitalization bulletin, letter from the employer, summons, copy or original of the invoice paid for the cancellation costs, copy or original of the plane ticket, etc.

The amount of reimbursement of cancellation fees is calculated according to the date of cancellation, the reason given and the contract taken out. This amount is generally capped and this amount is mentioned in the insurance contract.

In addition, a deductible (the portion remaining payable by the insured) is often applied.

6. I had to cancel my flight and I did not take insurance: can I be reimbursed?

Have you checked correctly and your ticket is neither changeable nor refundable? If you have not purchased airline flight insurance, you will not be eligible for a full refund.

On the other hand, and as with any passenger who was unable to use their ticket, you can obtain a refund of certain air taxes. This is the airport tax, the amount of which appears on your ticket in box QW, and the passenger charge, the amount of which appears in box QX. You must request this from the airline or travel agency that sold you the ticket.

Did you know ? The French administration site offers a model document to be completed to request reimbursement of these air taxes