Top 5 Reasons Your Flight Insurance Claim Might Be Denied
Filing a flight insurance claim isn’t always as simple as it seems. Many travelers assume they’re covered — only to be denied later. Here are the most common reasons flight insurance claims are rejected (and how to avoid them).
1. Your Reason Isn’t Covered
Not every cancellation or delay qualifies for reimbursement.
Examples of uncovered reasons:
- Deciding not to travel
- Canceling for work-related reasons (unless listed)
- Missing your flight due to traffic
✅ Always read the policy’s list of covered situations.
2. You Didn’t Provide Proper Documentation
To get paid, you must show proof.
Common required documents:
- Doctor’s note (for medical cancellations)
- Airline delay letter or email
- Receipts for meals/hotel during a delay
Save everything — or risk losing your claim.
3. You Bought the Policy After Something Went Wrong
You can’t buy insurance after the problem starts.
If you buy a policy after a storm is announced or after getting sick, your claim won’t be valid.
👉 Tip: Buy insurance as soon as you book your flight.
4. You Didn’t Read the Fine Print
Some policies have:
- Exclusions for pre-existing conditions
- Specific windows for filing claims
- Requirements to notify the insurer within 48 hours
Always read the fine print — or you may get denied on a technicality.
5. You Paid with Points or Miles
If you booked your flight with reward points, not all policies cover it.
✅ Some providers do — but only if you pay the taxes/fees with a credit card.
Final Word
Flight insurance is worth it — but only if you understand the rules.
Take 5 minutes to review your policy before you fly.