Does travel insurance cover me if I cancel my flight?

Travel insurance reimburses the cost of nonrefundable travel plans if you need to cancel your flight for a covered reason. To receive reimbursement, you must file a claim and submit supporting documentation that validates your eligibility to receive reimbursement.



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Canceling a nonrefundable fare will result in an eCredit for the full amount paid (minus any cancellation fees, depending on fare type and route). However, if you cancel a refundable ticket, you'll get the amount paid refunded back to your original form of payment.

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Canceling a nonrefundable fare will result in an eCredit for the full amount paid (minus any cancellation fees, depending on fare type and route). However, if you cancel a refundable ticket, you'll get the amount paid refunded back to your original form of payment.

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The amount of your flight refund is always the cost of the ticket. The amount of your compensation depends majorly on the travel distance of your flight. In the case of a replacement flight, it also depends on the flight time. It is possible to receive both flight refund and compensation at the same time.

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The most common covered reason is unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member. Other common covered reasons include terrorism, inclement weather, or a natural disaster, among others. Trip Cancellation is a major concern for most travelers.

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On average, travelers should expect to pay 6.87% of their total trip cost for travel insurance. The minimum you might expect to pay is 4.15%, but it can go as high as 15.8%.

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Covered reasons for Trip Cancellation
  • Medical reasons (unforeseen ailment, injury or death in the family)
  • Inclement weather or natural disasters (tropical storms, hurricanes, etc.)
  • Terrorist attack (in or around where you're planning to visit)
  • Financial default (of a carrier)
  • Involuntary layoff or termination.


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It's not mandatory to purchase travel insurance to visit Italy. Most leisure and business travelers choose to purchase insurance in order to cover unexpected medical costs and protect their trip investment against unexpected cancellations.

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The two most common types of travel insurance to purchase for medical coverage are comprehensive plans and medical-specific plans. Each covers medical-related costs differently.

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It is best to buy flight insurance the same day you purchase your airline ticket, whether you buy it through the airline or directly from a travel insurance company. This ensures the cost of your ticket is covered and provides a longer coverage window for trip cancellation benefits.

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Airline companies: When you book your flight, your airline will usually offer you the option to insure your flight for an additional cost. This is the most affordable way to get flight insurance, but the coverage and assistance services are less robust.

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