You’ve been dreaming of this trip for several months now… but unfortunately something unexpected has come up and upset your plans. Whether you have been forced to cancel your flight or whether the airline is to blame, you’re wondering whether 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 steps you need to take, not to mention the conditions and procedures for reimbursing cancellation costs, we explain everything you need to know to better manage the unexpected.
Our insurance certificates purchased on our site include the words “Cover for Covid-19-related health costs”.
What is the purpose of flight cancellation insurance?
Flight cancellation insurance is optional, but it can be very useful if you have to cancel your trip, as cancellation costs can be very high. It guarantees that the policyholder will be reimbursed (in full or in part) for cancellation costs, which are systematically imposed by airlines and tour operators.
Obviously, a simple change of mind about a destination or a desire not to travel to attend your best friend’s 40th birthday party are not valid reasons for triggering this cover! Only a sudden, unforeseeable event beyond your control (covered by the contract), and which you will have to justify, will enable you to claim this cover.
Under What Conditions?
Each insurer may offer its own conditions for reimbursing cancellation costs. To avoid any unpleasant surprises, carefully read the various general conditions offered in flight ticket insurance policies, as well as the exclusion clauses. The following valid causes are covered:
- Death, accident or illness of the insured or a close relative.
- A professional reason: redundancy, transfer, finding a job, change or cancellation of leave by the employer.
- Summons to a make-up exam for students.
- A major claim concerning the home (fire, water damage, etc.) occurring just before the date of departure, – an event in the destination country: terrorist attacks, natural disasters, major political crisis, etc.
How are cancellation charges calculated?
They vary depending on the service provider and may be progressive depending on when you cancelled your trip.
The earlier you cancel, the lower the cancellation charges, and the closer you cancel to your scheduled departure date, the higher the charges will be, up to 100% of your ticket.
Without flight cancellation insurance, you risk losing a lot of money.
What steps should I take to obtain a refund?
As soon as you have decided to cancel your flight, you must contact the insurance company as soon as possible.
Armed with your insurance policy number, compile your file, which must contain all the documents proving the validity of the reason for cancellation (covered by your policy) and required to trigger flight cancellation reimbursement cover: medical or death certificate, hospitalisation certificate, letter from employer, summons to attend a meeting, copy or original of the receipted invoice for cancellation costs, copy or original of the plane ticket, etc.
The amount of reimbursement for cancellation costs is calculated based on the date of cancellation, the reason given and the contract taken out. There is a ceiling on this amount, which is stated in the insurance contract.
In addition, an excess (the part of the cost remaining payable by the policyholder) is often applied.
I had to cancel my flight, and I didn’t take out insurance: can I be reimbursed?
You’ve checked carefully, and your ticket is neither modifiable nor refundable? If you have not taken out flight insurance, you will not be entitled to a full refund.
However, as with any passenger who could not use their ticket, you can obtain a refund of certain air taxes. These are 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 apply to the airline or travel agency that sold you the ticket.