What events or circumstances does travel insurance typically cover for non-refundable flights

Travel insurance policies generally cover non-refundable flights for unforeseen events that are outside of your control. Common examples include: *Sudden illness or injury to you, a travel companion, or a close family member *The death of you, a travel companion, or a close family member *Natural disasters such as bushfires, floods, or cyclones *Serious damage to your home from fire or flood *Being called for jury service or as a witness in court

When should I buy travel insurance to ensure my non-refundable flights are covered

To maximise your cancellation cover for non-refundable flights, it is best to purchase your travel insurance policy as soon as you have paid for your flights or any other significant travel expenses. Cancellation cover typically begins from the date you purchase your policy, not your departure date. Buying early means you are protected against unforeseen events that could occur before you even leave home.

What is the maximum amount travel insurance will pay for non-refundable flights

The maximum amount your travel insurance will pay for non-refundable flights depends on your specific policy and the level of cover you selected. Policies have a set benefit limit for cancellation costs, which will be outlined in your Product Disclosure Statement. You will also need to consider any excess that applies to your claim.

Do I need to contact the airline before making a travel insurance claim for non-refundable flights

Yes, you should always contact your airline or travel agent first. Most travel insurance policies require you to seek reimbursement or alternative options directly from the travel service provider before making a claim. Your insurer will expect you to provide proof that the airline or agent would not provide a refund or a suitable alternative. Travel insurance acts as a secondary layer of protection, covering your remaining non-refundable losses.

Does travel insurance also cover other non-refundable travel expenses like tours or car hire

Yes, travel insurance typically covers other non-refundable travel expenses in addition to flights and accommodation. This often includes pre-paid, non-refundable costs for items such as tours, activities, car hire, cruises, or event tickets. The cover is usually subject to the same terms and conditions as flight cancellation cover, meaning the reason for cancellation must be an insured event and outside your control.

What if my flight is non-refundable because of a pre-existing medical condition

If your non-refundable flight cancellation is due to a pre-existing medical condition, you generally need to have declared this condition to your insurer and had it approved for cover. Many policies require a medical assessment and may involve an additional premium to cover pre-existing conditions. If you do not declare a pre-existing medical condition that leads to your cancellation, your claim for non-refundable flights may be denied.

Will travel insurance reimburse me if the airline offers a flight credit instead of a refund

If an airline offers you a flight credit or voucher instead of a monetary refund, your travel insurance provider will typically expect you to accept this credit if it fully compensates you for the value of your non-refundable flight. Insurers aim to cover financial losses that cannot be recovered elsewhere. If the credit has restrictive conditions, such as a short expiry date, or is less than the original value of your flight, you may be able to claim the difference or the full amount if the credit is unusable. Always provide documentation of the credit offer to your insurer.