Will My Non-Refundable Airfare Be Covered?

by Steve Dasseos on August 22, 2021

Hi Steve, We are going to Spain in October 2021 and we bought a Trip Cancellation policy from you on March 29, 2021. Subsequent changes in covid conditions have elevated our anxiety for this trip, but a recent advisory from the U.S. State Department to “do not travel” to Spain have caused us to postpone the trip until perhaps 2022, or to cancel it altogether. Our provider has advised us that either postponement or cancellation will result in a forfeiture of only 250 euros for an internal plane flight for which there is no refund. The remainder of our deposit will be either refunded or held for a new deposit for a potential new trip. Our understanding is that our travel insurance will cover the forfeited portion of our deposit. Can you advise us what steps we must now do?

If you are cancelling your trip for a covered reason, your policy will reimburse you for all your prepaid, non-refundable trip costs up to your $2,000 per person trip cost limit.

However, cancelling your trip for a not-covered reason like government advisories, restrictions, fear, worry, etc, requires you to have had a plan with the Cancel For Any Reason coverage. Your plan doesn’t have the Cancel For Any Reason coverage.

If you are not filing a claim, you may hold your policy for a future trip so you don’t lose its value. If you haven’t yet re-scheduled your trip, let us know and we will contact the insurance company for you to let them know. Later, when you arrange a new trip, we will take care of changing your travel dates. Your new trip can be any trip going anywhere in case you decide not to go to Spain.

In case you haven’t made the final decision yet, look at this Blog post I wrote on April 25, 2021 about US State Department Warnings:

I hope this makes sense. If you want the right travel insurance advice, call us at 1-888-407-3854 and we'll help you figure it all out.

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