File the airline claim first, then your insurer, inside its deadline
Jeremy CabralGrowth advisor Checked
Get the airline's written statement of the delay and its cause, keep every receipt, claim any refund from the airline first, then file with your insurer inside its notice window. Those windows run from 24 hours to one year in the 143 wordings we read, and 52 give no number, asking for notice "as soon as possible" or "immediately".
Make your claim pack now.The claim page writes the airline refund letter and the insurer or card claim letter for your flight, with the official page to send each one to. Nothing you type is stored.Open the claim pack builder
Five steps to a delay or cancellation claim
1Ask the airline for the fare backClaim the refund or accept rebooking. Under US rules a cancelled flight is refunded when you choose not to travel.
2Get the delay statement in writingAsk the airline for a written statement with the flight number, date, scheduled and actual times, and the reason in its own words.
3Collect receipts and proof of paymentItemised receipts for meals, the hotel and transport, the card statement or booking showing you paid, and any refund or voucher.
4Notify the insurer or card administratorInside the notice window. Card claims go to the benefit administrator named in the guide.
5Send the claim form and documentsInside the proof window, under the benefit that matches what happened.
Insurers want the airline's written reason for the delay
- The airline's written statement of the delay or cancellation: flight number, date, length of the delay and the cause. Travel Guard's required documents page says the carrier report must verify cause and duration.
- Itemised receipts for meals, accommodation and transport, timed inside the delay. Allianz says a meal receipt timed after the delay ended slows a claim.
- Proof of payment for the trip: booking confirmation, itinerary and the card statement. Card cover usually needs the fare paid on that card.
- Any refund, credit or voucher from the airline. Nearly all cover is secondary and pays only what the airline did not.
- For cancellation or interruption: the original and changed itinerary, the fare rules and the supplier's refund letter.
- Policy or certificate number, and a short factual account of what happened and when.
Source: required-documents pages and claim sections of the wordings read, 15 November 2026.1
Most big US airlines publish no verification form
Frontier publishes a request route for insurer verification, and American's contact form is reported to have a trip insurance verification topic. For the rest, ask customer relations in writing and keep the airline's texts and emails about the delay.
| Airline | Where to ask for written proof of the delay | Refunds |
|---|---|---|
| American Airlines | Verification request formAmerican's contact form is reported to offer the topic 'Trip insurance verification' with the subject 'Verify flight cancel/delay', asking for name, address, phone, email, flight number, date and cities. | Refund page |
| Delta Air Lines | No verification page found on the airline's site.No current Delta page for delay or cancellation verification was found. | Refund page |
| United Airlines | No verification page found on the airline's site.No official page could be read. | Refund page |
| Southwest Airlines | No verification page found on the airline's site.No official Southwest page for delay or cancellation verification was found. | Refund page |
| JetBlue | No verification page found on the airline's site.No JetBlue page describing a delay or cancellation verification letter was found. | Refund page |
| Alaska Airlines | No verification page found on the airline's site.No Alaska page offering a delay or cancellation verification letter for insurers was found. | Refund page |
| Hawaiian Airlines | No verification page found on the airline's site.No Hawaiian page offering a delay or cancellation verification letter for insurers was found. | Refund page |
| Frontier Airlines | Verification request formChoose the request type Trip Insurance Verification Request. | Refund page |
Notice windows run from 24 hours to one year
The shortest windows we found: Assist Card (Brazil) 24 hours; Assist Card (Mexico) 24 hours; TD Insurance (Canada) same or next business day; Blue Cross (Ontario Blue Cross and Quebec Blue Cross) (Canada) 48 hours; Pacific Blue Cross (Canada) 48 hours. In the US, notice windows of 20 days and 7 days are common, and proof of loss is usually due within 90 days. Sort by the shortest notice column to see the tightest first.
| Insurer or card | Market | Shortest notice window | Notice | Proof of loss | Claim |
|---|---|---|---|---|---|
| Allianz Global Assistance (Allianz Travel Insurance)OneTrip (Basic, Prime, Premier, Cancellation Plus, Emergency Medical)… | United States | 90 days | 90 days from the date of loss. The FAQ asks for notice within 90 days of the date of loss or as soon as reasonably possible. The Missouri certificate (Form 101-P-MO-02-301, 'Important information about claims') gives 90 days to… | No separate proof of loss deadline in the certificate read. It says the claimant must supply all documentation needed to prove the loss. The claims process page says a claim cannot be processed until… | Official claim page |
| AIG Travel Guard (Travel Guard)Preferred and Deluxe | United States | 1 year | As soon as reasonably possible, and no later than 1 year after the date of loss (Section V Payment of Claims, Notice of Claim, policy product codes 643503 and 643403 NW21 12/21, Alabama). | Claim forms back within 90 days after the covered loss occurs or ends, or as soon after as reasonably possible; every claim submitted within one year of the loss (Section V, Claim Procedures: Proof… | Official claim page |
| AIG Travel Guard (Travel Guard)Essential | United States | 1 year | As soon as reasonably possible, and no later than 1 year after the date of loss (Section V, Notice of Claim, policy product code 643603 NW21 12/21, Alabama). | Claim forms back within 90 days after the covered loss occurs or ends, or as soon after as reasonably possible; every claim within one year of the loss. | Official claim page |
| Generali Global AssistanceStandard, Preferred and Premium | United States | 90 days | Written notice within 90 days after the covered loss, or as soon as reasonably possible (Claims Provisions, Notice of Claim, plan documents GGA100, GGA200, GGA300 form 0121D). The claim pages say claims must be submitted within… | Written proof of loss within 90 days of the loss; where that was not reasonably possible, within 12 months at the latest unless incapacitated (Claims Provisions, Proof of Loss). | Official claim page |
| Travelex Insurance ServicesUltimate and Advantage (Essential and Travel Med Go from web pages… | United States | 90 days | Written notice within 90 days of the covered loss, or as soon as reasonably possible (Section IX How to File a Claim, A. Notice, Ultimate UZ-1224 and Advantage AZ-1224 descriptions of coverage). The claims page repeats the 90 day… | Written proof of covered loss within 90 days of the loss; late proof is accepted where it was not reasonably possible and was sent as soon as reasonably possible (Section IX, Proof of Covered Loss). | Official claim page |
| Berkshire Hathaway Travel ProtectionExactCare (also LuxuryCare; reimbursement Trip Delay) | United States | no number stated | As soon as reasonably possible (Claim Procedures, Notice of Claim, ExactCare 31 042017 Utah, form PG-TA-IPL-UTE-12/2015). No fixed number of days for trip claims. | 90 days from the date of loss to submit the claim, or as soon after as reasonably possible (Proof of Loss, same form). | Official claim page |
| Berkshire Hathaway Travel ProtectionExactCare Extra and AirCare (fixed flight delay payments) | United States | no number stated | As soon as reasonably possible (Notice of Claim, ExactCare Extra 30 042017 Indiana, form PG-TA-IPL-NVIM11-2/2019). | 90 days from the date of loss, or as soon after as reasonably possible (Proof of Loss, same form). | Official claim page |
| World Nomads (US residents)Standard, Explorer, Epic and Annual plans | United States | 20 days | Within 20 days of the loss, per the World Nomads US help article on missing documents. Plan document clause not read. | Documentation and proof of loss as soon as possible or within 90 days of the loss; the help article says an extension of up to 12 months may be granted by phone. | Official claim page |
| FayeFaye First and Faye Flagship (United States Fire Insurance Company… | United States | 20 days | Within 20 days after the loss, or as soon as reasonably possible (Notice of Claim, Faye First 'all other states' plan document, form T7000IP, file dated June 2026). | Within 90 days after the date of loss or as soon as reasonably possible (Proof of Loss, same document). | Official claim page |
| FayeFaye Travel Protection Domestic and International plans (Great… | United States | 20 days | Within 20 days, or as soon as reasonably possible (Claims Procedures and Payment, 3. Notice of Claim, Faye Travel Protection Domestic Plan). | Claim forms back within 90 days after the covered loss occurs or ends, or as soon after as reasonably possible; all claims within 1 year of the loss (5. Proof of Loss). | Official claim page |
| Seven CornersTrip Protection Basic and Trip Protection Choice | United States | 20 days | Within 20 days after the loss, or as soon as reasonably possible; failure to notify may result in no benefits (Section XI How to File a Claim, Notice of Claim, Trip Protection Basic policy, 'most states' version, file dated July… | Within 90 days after the date of loss or as soon as reasonably possible, and in any case no later than 12 months after it was otherwise due (Section XI, Proof of Loss). | Official claim page |
| Trawick InternationalSafe Travels AnyReason, Pathway plans and older Safe Travels single… | United States | 20 days | Written notice within 20 days after a covered loss first begins, or as soon as reasonably possible (Trawick Single Trip Plan certificate, Florida template NWSTFL, Nationwide underwritten, General Provisions, Notice of Claim).… | Proof of loss within 90 days after a covered loss occurs, or as soon as reasonably possible (same certificate, Proof of Loss). | Official claim page |
| IMG (International Medical Group)iTravelInsured Travel LX and Travel SE | United States | 20 days | Travel LX (SiriusPoint sample policy, SA-ITI-19-1000 Ed. 2022): notice within 30 days after a loss, or as soon as reasonably possible. Travel SE (US Fire sample T7000IP-SE-E): within 20 days. IMG's trip claims page says to… | Proof of loss within 90 days after the date of loss, or as soon as reasonably possible (both sample policies, Proof of Loss). IMG's claims page repeats 90 days. | Official claim page |
| NationwideTravel Prime, Travel Essential and Cruise Choice | United States | 7 days | Travel Prime (NSIITC 2000, Ed.03/2025) and Cruise Choice (Ed.04/2021): written notice within 7 days after a covered loss first begins. Travel Essential (New York certificate SRTC 2500 NY, Ed.06/2021): within 20 days or as soon as… | Proof of loss within 90 days after a covered loss occurs; late proof accepted if it was not possible sooner, up to one year after it was due (General Provisions, Proof of Loss). | Official claim page |
| AXA Assistance USASilver, Gold and Platinum (legacy plans); current site sells Explorer… | United States | 7 days | Platinum (NSIITC 2000, Ed.11/2024): written notice within 7 days after a covered loss first begins. Older Silver and Gold 33-state certificates (NSHTC 2500, Ed.5/2017): within 20 days or as soon as reasonably possible. General… | Proof of loss within 90 days after a covered loss occurs (General Provisions, Proof of Loss). | Official claim page |
| Travel Insured InternationalWorldwide Trip Protector Platinum, Deluxe and Essential | United States | 20 days | Notice within 20 days after a loss occurs or as soon as reasonably possible (Worldwide Trip Protector Platinum policy, T7000IP, How to File a Claim, Notice of Claim). State endorsements vary. | Proof of loss within 90 days after the date of loss or as soon as reasonably possible, and no later than 12 months after it was due (same section, Proof of Loss). | Official claim page |
| Tin LegEconomy, Standard, Luxury, Adventure, Silver, Gold, Basic, Platinum… | United States | 20 days | Gold (Starr, form LT 007): written notice within 20 days after a covered loss first begins or as soon as reasonably possible. Luxury (Berkshire Hathaway): as soon as reasonably possible and no later than one year from the date of… | Gold: proof of loss within 90 days after a covered loss occurs or as soon as reasonably possible. Luxury: signed sworn proof of loss on request. | Official claim page |
| battlefaceDiscovery Plan (US) | United States | 20 days | Contact the administrator within 20 days or as soon as reasonably possible (Discovery Plan BISDCV-DIR-02, Section V Claims Procedures and Payment, Notice of Claim). | Claim forms back within 90 days after a covered loss occurs or ends, or as soon as reasonably possible; all claims no later than one year after the date of loss (Section V, Proof of Loss). | Official claim page |
| United AirlinesTravel Guard Air Ticket Protection (Domestic and International Air… | United States | 1 year | Contact Travel Guard as soon as reasonably possible, and no later than 1 year after the date of loss (Domestic Air Ticket Plan policy, product code 960100 DNW2 05/24, Section V Payment of Claims, Notice of Claim). | Claim forms back no more than 90 days after a covered loss occurs or ends, or as soon as reasonably possible; all claims no later than one year after the loss (Section V, Proof of Loss). | Official claim page |
| Southwest AirlinesTravel Guard Domestic and International Air Ticket Plan | United States | 1 year | Contact Travel Guard as soon as reasonably possible, and no later than 1 year after the date of loss (Domestic Air Ticket Plan policy, product code 009522 NW21 05/24, Section V, Notice of Claim). | Claim forms back no more than 90 days after a covered loss occurs or ends, or as soon as reasonably possible; all claims no later than one year after the loss. | Official claim page |
| PricelineXCover Travel Protection (Domestic Air Protection and related plans) | United States | 7 days | Written notice within 7 days after a covered loss first begins (Domestic Air Travel Protection, Florida wording, form TRI-TIC-0002-FL-0110 (07-23), General Provisions, Notice of Claim). | Proof of loss within 90 days after a covered loss occurs (same wording, Proof of Loss). | Official claim page |
| ChaseSapphire Reserve (Visa Infinite), Trip Delay Reimbursement | United States | 60 days | Within 60 days of the trip delay, or as soon as reasonably possible (Guide to Benefits BGC11559, Trip Delay Reimbursement, How Do You File a Claim, step 1) | Requested documents within 100 days of the delay, or as soon as reasonably possible (same section, step 2) | Official claim page |
| ChaseSapphire Preferred (Visa Signature), Trip Delay Reimbursement | United States | 60 days | Within 60 days of the trip delay, or as soon as reasonably possible (Guide to Benefits BGC11599, Trip Delay Reimbursement, How Do You File a Claim, step 1) | Requested documents within 100 days of the delay, or as soon as reasonably possible (step 2) | Official claim page |
| ChaseOther Chase cards with trip delay (example read: The Ritz-Carlton… | United States | 60 days | Within 60 days of the trip delay, or as soon as reasonably possible (Ritz-Carlton guide BGC11580, Trip Delay Reimbursement, How Do You File a Claim) | Requested documents within 100 days of the delay, or as soon as reasonably possible | Official claim page |
| American Express (US)Trip Delay Insurance, US$500 and 6 hour version (Platinum-tier cards) | United States | 60 days | Within 60 days of the covered loss, or the claim may not be honoured (Guide to Benefits, Evidence of Coverage, How to file a claim, Notification of Claims) | Written proof of loss within 180 days after the date of loss; if that was not reasonably possible, as soon as possible and no later than one year after proof was otherwise due (Proof of Loss) | Official claim page |
| American Express (US)Trip Delay Insurance, US$300 and 12 hour version (other eligible Amex… | United States | 60 days | Within 60 days of the covered loss, or the claim may not be honoured (Guide to Benefits, Evidence of Coverage, How to file a claim, Notification of Claims) | Written proof of loss within 180 days after the date of loss; if that was not reasonably possible, as soon as possible and no later than one year after proof was otherwise due (Proof of Loss) | Official claim page |
| Capital OneVenture X (Visa Infinite), Trip Delay Reimbursement | United States | 30 days | Call the Benefit Administrator within 30 days of the covered trip delay (Capital One Visa Infinite Guide to Benefits, How to file a Trip Delay Reimbursement claim) | Return the signed claim form and documents within 90 days of the date of the delay. The guide says missing either time limit may result in denial. | Official claim page |
| BiltBilt Palladium Card (World Legend Mastercard), Trip Delay | United States | 60 days | Report the claim within 60 days or it may not be honoured (Mastercard Guide to Benefits for Bilt Palladium, Trip Delay, Evidence of Coverage D. How to file a claim) | Documents within 180 days or the claim may not be honoured | Official claim page |
| Blue Cross (Ontario Blue Cross and Quebec Blue Cross)Travel Insurance Policy, Trip Cancellation and Interruption coverage… | Canada | 48 hours shortest | Within 48 hours of becoming aware of the event that cancels or changes the trip (policy summary page and exclusion 2). Other coverages: within 30 days of the incident ('To submit a claim', item 2). | Completed claim form and supporting documents within 90 days of the event ('In the event of a claim' and 'To submit a claim'). | Official claim page |
| Pacific Blue CrossTravel Insurance Policy, Trip Cancellation or Interruption Benefit… | Canada | 48 hours shortest | Before departure: tell the travel agent or carrier and the insurer within 48 hours of the event (Trip Cancellation conditions, item 1). General: written notice of loss within 30 days of learning of it (Settlement of claims). | All information, accounts and proof within 90 days of the loss (Settlement of claims). The statutory condition allows late notice or proof up to one year where it was not reasonably possible sooner. | Official claim page |
| TuGoTraveller policy: Trip Cancellation and Trip Interruption, and Air… | Canada | 30 days | As soon as practical and no later than 30 days from the date the claim arises (Notice and Proof of Claim). | Proof within 90 days of the claim arising; all required documentation within one year of the date of loss or the claim is denied (Notice and Proof of Claim; How to Claim, item 5). | Official claim page |
| Allianz Global Assistance CanadaTrip Cancellation Coverage (trip cancellation, interruption and… | Canada | no number stated | No separate notice period stated. For a cancellation, the travel supplier must be told as described under Trip Cancellation. | Claims must be submitted within 90 days from the date of loss, or a longer period if the law provides one (General Conditions 4; 'Information to Submit When Filing a Claim'). | Official claim page |
| CAA Travel InsuranceCAA Travel Insurance Policy, Trip Cancellation and Interruption… | Canada | 30 days | Written notice within 30 days of the claim arising (Notice and Proof of Claim). CAA-Quebec's summary says contact CAA Assistance immediately for a trip interruption. | Proof within 90 days of the claim arising; late proof accepted up to one year where it was not reasonably possible sooner. | Official claim page |
| BCAA Travel InsuranceBCAA Travel Insurance policy wording (file dated 2026-10-29): Trip… | Canada | 30 days | As soon as practical and no later than 30 days from the date the claim arises (Notice and Proof of Claim). For a cancellation, contact the agent or airline the same or next business day. | Proof within 90 days; all required documentation within one year of the date of loss or the claim is denied. | Official claim page |
| RBC InsuranceCancellation and Interruption Insurance, retail travel policy (form… | Canada | 30 days | Within 30 days of the date the claim arises ('How to Submit a Claim', item 3). | Within 90 days; if that is not reasonably possible, within one year or the period provincial law allows. | Official claim page |
| TD InsuranceTrip Cancellation and Interruption Plan, single trip (form 536336… | Canada | same or next business day shortest | Call Global Excel and the travel supplier on the day the insured risk occurs or the next business day (Section 4 G, item 3). Statutory condition: written notice within 30 days. | Proof within 90 days of the claim arising; late proof accepted up to one year where it was not reasonably possible sooner (Statutory Conditions 5). | Official claim page |
| CIBC Travel InsuranceTrip Cancellation and Trip Interruption Insurance Enhanced Plan… | Canada | 30 days | Claims must be reported within 30 days of occurrence (Claim Submission, item 1). Notify the Operations Centre if you must cancel, interrupt or delay the trip. | Written proof of claim within 90 days of occurrence (Claim Submission, item 2). The CIBC guide page repeats the 90 day limit for the claim form. | Official claim page |
| RBC cardsRBC Avion Visa Infinite, Delayed Baggage and Flight Delay Insurance… | Canada | 30 days | Within 30 days of the date the claim arises ('What should you do if you have a claim?'). | Within 90 days; if that is not reasonably possible, within one year or the period provincial or territorial law allows. | Official claim page |
| TD cardsTD Aeroplan Visa Infinite, Flight/Trip Delay Insurance certificate… | Canada | 45 days | Within 45 days from the date of the delay (Section 7, How to Submit a Claim). | Completed claim form and supporting documents within 90 days of the delay. | Official claim page |
| BMO cardsBMO Ascend World Elite Mastercard, Flight Delay Insurance… | Canada | 30 days | Contact the Operations Centre immediately after learning of the delay (5.2 and 5.7). General condition: written notice within 30 days of the claim arising. | Proof within 90 days; late proof accepted up to one year where it was not reasonably possible sooner (General Conditions 4). | Official claim page |
| Scotiabank cardsScotiabank Passport Visa Infinite + Card, Flight Delay Insurance… | Canada | 90 days | Contact the administrator immediately after learning of the loss; written notice no later than 90 days from the date of the flight delay (Section F.6). | No separate proof deadline in the flight delay section; submit the completed claim form with documents. | Official claim page |
| CIBC cardsCIBC Aventura Visa Infinite, Flight Delay and Baggage Insurance… | Canada | 90 days | As soon as reasonably possible; where possible, written notice within 90 days of the loss (Section 8). | No separate proof deadline stated; benefits are paid on receipt of proof of loss. | Official claim page |
| American Express CanadaThe Platinum Card, Flight and Baggage Delay and Hotel Burglary… | Canada | 90 days | As soon as reasonably possible; where possible, written notice within 90 days of the occurrence (Section 8). | No separate proof deadline stated. | Official claim page |
| Cover-More AustraliaCover-More Travel Insurance Combined FSG and PDS, effective 15… | Australia | 60 days | As soon as possible and within 60 days of the return date shown on the Certificate of Insurance, by sending a completed claim form | No separate deadline stated. The online claim can be saved and finished within 28 days. Cover-More may ask for the original documents | Official claim page |
| Allianz AustraliaAllianz Travel Insurance PDS, prepared 19 December 2025 (POL849 /… | Australia | no number stated | Notify Allianz Global Assistance as soon as you are reasonably aware of a potential claim. If you may have to cancel or shorten the journey, tell them as soon as possible | Submit full details as soon as reasonably possible. No fixed number of days is stated. Late notice can reduce the claim by the prejudice caused | Official claim page |
| 1Cover1Cover Travel Insurance Combined FSG and PDS, effective 4 March 2026.… | Australia | 180 days | As soon as practicable and within 180 days of the return date shown on the certificate of insurance, by the online claim form or email to claims@1cover.com.au. The claims page says preferably within 30 days of your return for… | No separate deadline. Late or incomplete claims can be reduced by the disadvantage caused | Official claim page |
| Fast CoverFast Cover Travel Insurance Combined FSG and PDS, effective 15… | Australia | 30 days | For non-medical claims, notify Fast Cover and submit full details in writing within 30 days of your return | Same 30 days; supporting information within the timeframes Fast Cover requests where reasonably possible. A late claim form can reduce the claim by the prejudice caused | Official claim page |
| Southern Cross Travel Insurance (SCTI)International Comprehensive Single Trip PDS, effective 12 July 2025… | Australia | no number stated | Tell SCTI as soon as you become aware of circumstances that may result in a claim, and make the claim as soon as possible. No fixed number of days is stated | Official claim page | |
| Southern Cross Travel Insurance (SCTI)TravelCare Delay Assist, Supplementary PDS effective 1 July 2026… | Australia | no number stated | No claim form. The portal tracks the registered flight and SCTI notifies you by email or SMS when the delay trigger is met | Official claim page | |
| World Nomads AustraliaWorld Nomads Travel Insurance Combined FSG and PDS, effective 30… | Australia | no number stated | Written notice as soon as you can after your return home, by signing in to the World Nomads membership and submitting the claim online or by requesting a claim form. No fixed number of days | No separate deadline. Late notice can reduce the claim by the disadvantage caused | Official claim page |
| nib Travel Insurancenib Travel Insurance PDS (Comprehensive, Essentials, Annual… | Australia | no number stated | As soon as you are reasonably aware of any potential claim; tell Allianz Global Assistance as soon as possible if you may have to cancel or shorten the journey | Full claim details as soon as reasonably possible; no fixed number of days stated | Official claim page |
| Medibank Travel InsuranceMedibank Travel Insurance Combined PDS and FSG, effective 22 April… | Australia | 60 days | As soon as possible and within 60 days of the return date shown on the Certificate of Insurance, by sending a completed claim form | Same 60 day condition; supporting documents on request at your own expense | Official claim page |
| Bupa Travel InsuranceBupa Travel Insurance Combined FSG and PDS, effective 11 March 2026… | Australia | 60 days | As soon as possible and within 60 days of the return date shown on the Certificate of Insurance, by sending a completed claim form | Same 60 day condition | Official claim page |
| Qantas Travel InsuranceQantas Travel Insurance International Comprehensive Plan PDS… | Australia | no number stated | As soon as reasonably possible after the loss happens | No fixed number of days stated | Official claim page |
| Virgin Australia Travel InsuranceVirgin Australia Travel Insurance Combined FSG and PDS, effective 25… | Australia | 60 days | As soon as possible and within 60 days of the return date shown on the Certificate of Insurance | Same 60 day condition | Official claim page |
| Commonwealth Bank card travel insurance (activated before 29 September 2026)CBA Credit Card Insurances Product Disclosure Statement and… | Australia | 60 days | As soon as possible and within 60 days of the event or of returning home, whichever is later | Same 60 day condition | Official claim page |
| ANZ Platinum and Black cards complimentary insuranceANZ Platinum and Black Complimentary Insurance policy information… | Australia | no number stated | As soon as possible | No fixed number of days stated; late notice or thin detail may reduce the payment to the extent Allianz is prejudiced | Official claim page |
| NAB card complimentary insuranceNAB Card Insurance Policy Information Booklet, effective 15 May 2026… | Australia | no number stated | As soon as reasonably possible | No fixed number of days stated | Official claim page |
| Westpac credit card complimentary insurance (eligibility met before 1 October 2026)Westpac Credit Cards Complimentary Insurance Policy Information… | Australia | no number stated | As soon as possible | No fixed number of days stated | Official claim page |
| Westpac credit card complimentary insurance (eligibility met from 1 October 2026)Westpac Credit Card International Travel Insurance Product Disclosure… | Australia | no number stated | As soon as you are reasonably aware of any potential claim | Full claim details as soon as reasonably possible | Official claim page |
| American Express Platinum Card (Australia)American Express Platinum Card Insurance Terms and Conditions… | Australia | 30 days | As soon as possible, or within 30 days of the event, or as soon as reasonably practical | No separate deadline stated | Official claim page |
| American Express Explorer Credit Card (Australia)American Express Credit Card Insurance Terms and Conditions… | Australia | 30 days | As soon as possible, or within 30 days of the event, or as soon as reasonably practical | No separate deadline stated | Official claim page |
| Qantas American Express Ultimate Card (Australia)American Express Credit Card Insurance Terms and Conditions… | Australia | 30 days | As soon as possible, or within 30 days of the event, or as soon as reasonably practical | No separate deadline stated | Official claim page |
| AvivaAviva Signature Single trip and Annual Multi-trip Travel Insurance… | United Kingdom | no number stated | As soon as reasonably possible (claims conditions). No fixed number of days is printed. | Official claim page | |
| AXAAXA Travel Insurance Policy Wording (Bronze, Silver, Gold), V3-2/26… | United Kingdom | no number stated | As soon as reasonably possible. No fixed number of days is printed. | Official claim page | |
| Allianz Assistance UKAllianz Assistance Single-Trip and Backpacker Policy Handbook… | United Kingdom | no number stated | As soon as possible with full details of anything that may result in a claim (general conditions). No fixed number of days for delay claims. | Claim form to be sent as soon as possible with the documents requested | Official claim page |
| StaysureStaysure Travel insurance policy, July 2026 (Basic, Comprehensive… | United Kingdom | 28 days | Claim must be submitted within 28 days of returning home (general condition 13) | Completed claim form and all evidence requested, at the customer's expense, within the same 28 days | Official claim page |
| StaysureStaysure Travel insurance policy, July 2026, V21, Section 12 Optional… | United Kingdom | 28 days | Claim must be submitted within 28 days of returning home (general condition 13) | Completed claim form and all evidence requested, at the customer's expense, within the same 28 days | Official claim page |
| AllClearAllClear Travel Insurance policy wording, Gold, Gold Plus and… | United Kingdom | 30 days | Within 30 days of the trip ending for any incident that might lead to a claim | Official claim page | |
| Post Office Travel InsurancePost Office Travel Insurance Policy (Economy, Standard, Premier)… | United Kingdom | 60 days | All claims must be submitted within 60 days of returning from the trip | Official claim page | |
| Post Office Travel InsurancePost Office Travel Insurance Policy, PL10356, July 2026, optional… | United Kingdom | 60 days | All claims must be submitted within 60 days of returning from the trip | Official claim page | |
| AdmiralAdmiral Travel Insurance, Guide to your Travel Insurance cover… | United Kingdom | no number stated | As soon as possible after the incident (general condition 11). Admiral's FAQ page says there is no time limit to claim. | Official claim page | |
| AdmiralAdmiral Travel Insurance, TRAPB 014, Section 15 Enhanced trip… | United Kingdom | no number stated | As soon as possible after the incident (general condition 11). Admiral's FAQ page says there is no time limit to claim. | Official claim page | |
| Direct LineDirect Line Travel Insurance policy booklet (DL T PB 0624) | United Kingdom | no number stated | As soon as possible after the incident (General Conditions, Informing us) | Official claim page | |
| InsureandGoInsureandGo Silver & Gold Travel Insurance Policy (SILVER & GOLD… | United Kingdom | 30 days | Within 30 days of the trip ending | Official claim page | |
| Columbus DirectColumbus Direct Travel Insurance Policy Wording COL-PW13-01 (Sept 26) | United Kingdom | 60 days | All claims must be submitted within 60 days of returning from the trip | Within 60 days of returning from the trip (same deadline) | Official claim page |
| SagaSaga Standard & Plus Travel Insurance policy book (policies taken out… | United Kingdom | 90 days | As soon as possible and at the latest within 90 days of the incident (stated in the legal expenses special conditions; no separate deadline found for delay claims) | Official claim page | |
| Nationwide FlexPlusFlexPlus Worldwide Family Travel Insurance policy P4197 (June 2024) | United Kingdom | no number stated | As soon as is reasonably possible | Official claim page | |
| Barclays Travel PackBarclays Travel Pack Welcome Pack terms (9917638b, 05/24) | United Kingdom | no number stated | As soon as reasonably possible | Official claim page | |
| HSBC PremierHSBC Travel Insurance Policy Wording: Private Banking, Premier… | United Kingdom | no number stated | As soon as is reasonably possible | Official claim page | |
| NatWest (Black and Platinum accounts)NatWest Black Account Travel Insurance Terms (NWB201440, October… | United Kingdom | no number stated | Send the claim form as soon as possible | Official claim page | |
| Monzo MaxMonzo Individual Plan Holder Travel Insurance Terms and Conditions… | United Kingdom | 30 days | Within 30 days of the trip ending; claims to be submitted within 30 days of becoming aware | Official claim page | |
| American Express UK: The Platinum CardYour Insurance Documentation, The Platinum Card, January 2025 | United Kingdom | 30 days | Within 30 days of the incident | Official claim page | |
| American Express UK: Preferred Rewards GoldYour Insurance Documentation, American Express Preferred Rewards Gold… | United Kingdom | 30 days | Within 30 days of the incident or event | Official claim page | |
| American Express UK: British Airways Premium PlusYour Insurance Documentation, British Airways American Express… | United Kingdom | 30 days | Within 30 days of the incident or event | Official claim page | |
| Multitrip.comMultitrip.com Travel Insurance Cover Handbook (Ireland, current… | Ireland | 31 days | Within 31 days or as soon as possible thereafter | Official claim page | |
| Blue Insurance (Blueinsurance.ie)Blue Insurance Travel Insurance Cover Handbook, policy document… | Ireland | 31 days | Within 31 days or as soon as possible thereafter | Official claim page | |
| Vhi MultiTripVhi MultiTrip Travel Insurance Rules, Terms and Conditions, date of… | Ireland | 60 days | All claims must be submitted within 60 days of returning from the trip | Within 60 days of returning from the trip (same deadline) | Official claim page |
| Laya Healthcare Travel InsuranceLaya Healthcare Standard Travel Insurance Policy Document (policies… | Ireland | no number stated | As soon as reasonably practical after the event | Official claim page | |
| Southern Cross Travel InsuranceTravelCare Delay Assist endorsement to International Comprehensive… | New Zealand | no number stated | No claim form. The flight and travellers must be registered on the portal more than 24 hours before scheduled departure; SCTI then notifies by email or SMS when the delay trigger is met. | Official claim page | |
| Southern Cross Travel InsuranceInternational Comprehensive Single Trip policy document (effective 12… | New Zealand | no number stated | As soon as possible. The wording gives no day count. | Official claim page | |
| Cover-More New ZealandCover-More Travel Insurance Policy Wording (Comprehensive+… | New Zealand | 60 days | As soon as possible and within 60 days of the return date on the Certificate of Insurance, by sending a completed claim form | Official claim page | |
| Cover-More (Air New Zealand Travel Insurance)Air New Zealand International Comprehensive Travel Insurance Policy… | New Zealand | 60 days | As soon as possible and within 60 days of the return date on the Certificate of Insurance, by sending a completed claim form | Official claim page | |
| AA Travel InsuranceAA Travel Insurance Policy Wording issue 1 (AAC | AAE), effective 1… | New Zealand | 60 days | As soon as possible and within 60 days of the return date on the Certificate of Insurance; if that is impossible, as soon as practicable | Official claim page | |
| 1Cover1Cover New Zealand Travel Insurance Policy Wording, effective 4 March… | New Zealand | 180 days | As soon as practicable and within 180 days of the return date on the certificate of insurance, by the online claim form or by email to claims@1cover.co.nz | Official claim page | |
| Tower InsuranceTower International Travel Insurance policy wording AZ..TW.INT.6.1025… | New Zealand | 30 days | As soon as possible and no later than 30 days after the completion of the journey | Official claim page | |
| SinglifeSinglife Travel Insurance Policy (Lite, Plus, Prestige), document… | Singapore | 30 days | Submit the claim with all relevant facts and documents within 30 days of returning to Singapore; later claims are refused | Same 30 days | Official claim page |
| MSIGTravelEasy policy wording QTD032212 (file published March 2024) | Singapore | 30 days | As soon as possible (wording); MSIG's claim page says as soon as possible or within 30 days of the insured event | Official claim page | |
| Income InsuranceTravel Insurance Policy Conditions PL/Travel/202607A (Classic… | Singapore | 30 days | As soon as possible and in any case within 30 days of the incident | Official claim page | |
| FWDFWD Travel Insurance Policy Wording V6 (April 2026), policies issued… | Singapore | 30 days | Within 30 days of the incident | Official claim page | |
| Great EasternGREAT TravelCare policy wording TGC/GEG1.0/MAR2025 (Basic, Gold… | Singapore | 30 days | Written notice as soon as reasonably possible and no later than 30 days after the event | Official claim page | |
| ChubbChubb Travel Insurance (Saver, Economy, Business, First), sold at… | Singapore | 30 days | Within 30 days of the claim event, or as soon as reasonably practicable (Chubb claim page) | Official claim page | |
| AIGTravel Guard Direct policy wording, Version No: 4 Dec 2024 (Supreme… | Singapore | 30 days | Claim documents as soon as practicable and no later than 30 days from the incident; with reasonable cause, no later than 1 year. Missing this invalidates the claim. | Same | Official claim page |
| Blue Cross (Asia-Pacific) InsuranceTravel Smart Terms and Conditions (11/2025) | Hong Kong | 30 days | Notice in writing or through the e-claim platform within 30 days from the expiry of the period of insurance (single-trip cover) | Official claim page | |
| ZurichGet "Z" Go+ Travel Insurance Plan, policy wording TSP-002-08-2026-01… | Hong Kong | 30 days | Written notice of claim within 30 days of the incident | Written proof of loss within 30 days of Zurich issuing the claim form; if not reasonably practicable, as soon as possible and no later than 180 days after it was due | Official claim page |
| ERGO ReiseversicherungStandard tariffs, Kundeninformationen und Versicherungsbedingungen… | Germany | immediately | unverzüglich (without undue delay); the wording asks for the claim to be reported online straight away | Documents follow after the report; no fixed number of days stated | Official claim page |
| HanseMerkurJahres-Reiseversicherung, VB-RS 2024 (JRV-D), document dated… | Germany | immediately | Not stated as a number of days for this benefit; cancellation must be made unverzüglich and claims are sent informally (formlos) by post, email or the online form | Official claim page | |
| Allianz Travel (Allianz Reiseschutz)Jahres-Reiseschutz-Paket Premium ohne Reise-Krankenversicherung, AVB… | Germany | immediately | unverzüglich (without undue delay) | Not stated; claims lapse after three years from the end of the year in which they arose | Official claim page |
| Allianz DirectAllianz Direct Reise-Versicherung (single trip), AVB edition 04/2026… | Germany | immediately | unverzüglich (without undue delay) | Not stated; three-year limitation period | Official claim page |
| ADAC ReiseversicherungADAC Reiserücktritts-Versicherung Exklusiv (Reiserücktritt and… | Germany | immediately | unverzüglich: immediate, full and truthful information about the event and the loss | Official claim page | |
| Miles & More Credit Card (Travel Security Paket)Lufthansa Miles & More Credit Card Travel Security Paket… | Germany | immediately | unverzüglich, in text form | Not stated; three-year limitation period | Official claim page |
| Miles & More Credit Card (standard card insurance)Lufthansa Miles & More Credit Card Versicherungsbestätigung, Standard… | Germany | immediately | unverzüglich; a trip must be cancelled within 48 hours of the insured event | Official claim page | |
| Europ AssistanceÉvasio temporaire, Dispositions Générales EA5311/2, edition 10/2024 | France | 5 days | Within 5 days of becoming aware of the loss (2 working days for baggage theft). Late notice loses cover only if the insurer shows the delay harmed it | Flight delay: send the completed delay declaration and documents on return and at the latest within 15 days | Official claim page |
| Allianz Travel France (now Luko by Allianz Direct)Assurance Annuelle multi-voyages, Notice d'information and Conditions… | France | 5 working days | Wording: within 20 working days (jours ouvrés) of becoming aware, save fortuitous event or force majeure. The website help page says 5 working days. Use the shorter figure to be safe. | Official claim page | |
| AXA Assistance (AXA Partners)Voyageo court séjour, Conditions générales October 2022 (formulas 2… | France | 5 working days | Within 5 working days (jours ouvrables) of becoming aware of the loss; 2 working days for theft. Late notice forfeits cover if the insurer suffers harm from it | Official claim page | |
| ChapkaCap Assistance Annuel, policy no. 22 43 710, Conditions générales… | France | 5 days | Within 5 days for the non-assistance covers, as the 'what to do' page of the wording states | Flight delay: send the documents on return and at the latest within the month that follows | Official claim page |
| Visa PremierAssurance Carte Visa Premier, Notice d'information April 2025… | France | 15 days | Within 15 days of becoming aware of the loss; late notice loses cover only if the insurer proves harm, and never where the lateness is due to chance or force majeure | Official claim page | |
| Gold MastercardMastercard Gold, Notice d'information Assurance 01/2026, group… | France | 20 days | Within 20 days of the date the insured became aware of the loss; cover can be lost for late notice if the insurer shows harm | Official claim page | |
| Assist CardCondiciones Generales de Servicios Assist Card (México), last updated… | Mexico | 24 hours shortest | Contact Assist Card within 24 hours of lodging the report with the airline. | No deadline for the flight delay refund is printed. Clause C.11 says any legal action lapses 180 consecutive days after the event. | Official claim page |
| AXA SegurosSeguro de viajero, Condiciones Generales (DV524, July 2024; CNSF… | Mexico | immediately | Immediately, by phone, email or in writing, then confirmed in writing within 5 business days of learning of the event. The report counts only once AXA issues a claim number. | No separate deadline for documents. All actions lapse after 2 years. | Official claim page |
| AXA Assistance México (Volaris)Cancelación de Viaje Volaris, Condiciones Generales (undated; 14… | Mexico | no number stated | Call the AXA Assistance line as soon as possible, before taking any action. | Complaints about an assistance event must be lodged within 90 days of the event, by email to servicioalcliente@axa-assistance.com.mx. Seguros Atlas sets the times and forms for the insurance refund… | Official claim page |
| GNPSeguro Viajero Premium (sold with Viva flights), Condiciones… | Mexico | immediately | Call the IGS call centre from the airport immediately after the delay is confirmed. Nothing is covered unless it was reported to the call centre straight away. | Not stated. Documents are sent afterwards. | Official claim page |
| VisaSeguro de Demora de Viaje, Términos y Condiciones (Latin America and… | Mexico | 90 days | Report any claim within 90 days of the incident. | Not stated separately. Documents are uploaded in the portal with the claim. | Official claim page |
| Assist CardCondições Gerais dos Serviços Assist Card (Brasil), last updated… | Brazil | 24 hours shortest | Contact Assist Card within 24 hours of the complaint to the airline. | No deadline for the flight delay refund is printed. Clause C.11 says any legal action lapses 180 consecutive days after the event. | Official claim page |
| Porto SeguroSeguro Viagem Individual, Condições Gerais, December 2025 (Processo… | Brazil | no number stated | As soon as the insured knows of the event, on Porto's claim notice form (Aviso de Sinistro) or by any reliable means followed by the form. | None printed. Limitation periods are those set by law. Porto decides within 30 days of receiving the complete file. | Official claim page |
| Coris (Chubb)Plano de Seguro Viagem Individual, Condições Gerais e Especiais… | Brazil | immediately | Immediately, as soon as the insured knows of the event, following the call centre's instructions for sending documents. | None printed. Failing to report within the limitation periods set by law is a contractual exclusion (clause 27.3). | Official claim page |
| Allianz Travel (Allianz Seguros)Seguro Viagem Individual, Condições Gerais, December 2025, Versão… | Brazil | immediately | Immediately, by letter, email or any official channel available, as soon as the insured knows of the event. | None printed. Rights lapse in the periods set by the Brazilian Civil Code. Review takes 30 days from the complete file. | Official claim page |
| Affinity Seguro ViagemPlano Individual, Condições Gerais 2026.02 (for policies issued from… | Brazil | no number stated | Not stated for this cover. Affinity's site tells travellers to contact the 24 hour call centre. | None printed in the clauses read. | Official claim page |
| VisaCobertura de Atraso de Embarque Ampliada, Termos e Condições, June… | Brazil | immediately | Immediately, even before the documents are in hand. Each eligible person opens a separate claim per event. | None printed. The claim is assessed only after every document is uploaded. | Official claim page |
| Tata AIGTravel Insurance International, prospectus version 27 February 2026… | India | no number stated | No number of days is printed. The claim page says to register as early as possible and that claims must be registered during the trip. | Not stated. The claim page says documents go in within a stipulated time frame that it does not define. | Official claim page |
| ICICI LombardInternational Travel Insurance policy wording (copy hosted by ICICI… | India | no number stated | Immediate notice to the Assistance Service Provider. The wording says failure to give immediate notice may prejudice the claim and such a claim will not be admitted for more than 75%. | Claim documents as soon as the insured returns to the country of residence and no later than 30 days from the date of return. | Official claim page |
| HDFC ERGOTravel insurance (Travel Explorer family), flight delay cover as… | India | no number stated | Not stated on the pages read | Not stated on the pages read | Official claim page |
| Bajaj General (formerly Bajaj Allianz)Trip Delay Delight rider (UIN BAJHLIA19077V011819), sold on a Bajaj… | India | 7 days | The rider pays automatically where flight and bank details were supplied. If the automated payment is unavailable, notify the call centre or email within 7 days after arriving back in India. | Send documents immediately. The claim page FAQ says paperwork is typically due about 30 days after return, and a claim is closed if documents are still missing at the third reminder after 45 days. | Official claim page |
| Tokio Marine and NichidoOverseas travel insurance (海外旅行保険), flight delay benefits… | Japan | no number stated | Not stated on the pages read | Not stated on the pages read | Official claim page |
| Sompo Japan新・海外旅行保険 off! (overseas travel insurance), 航空機遅延費用 (flight delay… | Japan | no number stated | Not stated on the pages read | Not stated on the pages read | Official claim page |
| Mitsui Sumitomo InsuranceOverseas travel insurance, 航空機遅延費用等補償特約 (flight delay costs rider)… | Japan | no number stated | Not stated on the pages read | Not stated on the pages read | Official claim page |
| JCB国内・海外航空機遅延保険 (card flight delay insurance) on JCB The Class, JCB… | Japan | no number stated | Not stated on the pages read | Not stated on the pages read | Official claim page |
| Mitsubishi UFJ Card国内・海外渡航便遅延保険 (card flight delay insurance), terms for departures and… | Japan | 30 days | Within 30 days of the incident, giving the circumstances and extent of the incident | Not stated on the pages read | Official claim page |
| Samsung FireOverseas travel insurance. Index riders as described on Samsung… | South Korea | immediately | Without delay (지체없이) once the insured knows a payable event has occurred | The right to claim lapses if not exercised within 3 years | Official claim page |
| Ping AnPing An Property and Casualty flight delay cover: 平安个人旅行航班延误保险 as… | China | no number stated | Not stated in the documents read | Not stated in the documents read | Official claim page |
| PICCChina CITIC Bank credit card flight delay cover, 2026 service terms… | China | 10 working days | Apply or post the documents within 10 working days of the incident; later applications are refused | Same 10 working days | Official claim page |
| Meiya (AIG China)美亚附加旅行延误保险 (2401版), registration number C00003931922024093000223, an… | China | no number stated | Not stated separately in the add-on | Claim form and original supporting documents within 30 days of the end of the trip. Meiya's accident and health claim form says within 30 days of the event. | Official claim page |
| ZhongAn附加航班延误或取消团体保险条款 (互联网-银行卡专用 2024版), registration number… | China | no number stated | Not stated in the add-on; the main contract governs | Not stated in the add-on | Official claim page |
Source: the notice and proof clauses of each wording, read 15 November 2026. Where a wording gives no number, the cell says so. Same-day rebooking services such as Hopper's are left out because there is no later claim.
The mistakes insurers name on their own help pages
- Missing or thin documents, the most common cause of delay or rejection (Travelex, Allianz, Generali, XCover, IMG).
- No written reason from the airline, or a statement with no length of delay (Travel Guard, World Nomads, AXA, Trawick, CAA).
- Not claiming from the airline first, or leaving out a refund, credit or voucher (World Nomads, Travel Guard, Amex, Chase, Capital One).
- Receipts that fall outside the delay window (Allianz).
- Claiming under the wrong benefit or on the wrong form (Travelex, AXA, Trawick), or claiming prepaid costs under a delay benefit (Capital One, BMO).
- Missing a short notice window: 7 days on Nationwide Prime, AXA Platinum and Priceline; 20 days on several US plans; 30 days to call Capital One.
- Unsigned forms, missing bank details, files over the upload limit or shared links (Travelex, Allianz, TuGo). Travel Insured warns that highlighting can look like redaction.
- On cards, paying the fare with another card or points (Amex US, Bilt and RBC need the full fare on the card).
A 13 November 2026 delay claim, receipt by receipt
An illustrative traveller. The event times, the hotel rate and the policy terms are real; the traveller, the meal and taxi amounts are invented for the example. It shows how the rules apply and does not recommend a product.
- Flight from San Francisco scheduled to leave at 1:30pm PT on Friday 13 November 2026. The FAA stop began at 12:54pm PT (3:54pm ET) and the airline cancelled the flight that evening.
- Rebooked on a 9:00am PT flight on Saturday, 19 hours 30 minutes after the original departure.
- Costs: airport hotel US$600 (the nightly rate ABC7 reported near San Francisco airports that night2), meals US$45, taxi US$40. Total US$685.
- The airline does not pay: its customer service plan covers hotels only for delays within its control.3
- The policy: Allianz OneTrip Basic terms as read, 6 hour waiting period, US$150 a day, US$300 total for travel delay.4 The delay clears 6 hours, so the claim is for the US$685, paid up to the caps: at most US$150 if the insurer counts one day, and US$300 if it counts two. On OneTrip Prime terms (5 hours, US$200 a day, US$800 total) the ceiling would be US$200 or US$400.
- Documents: the airline's cancellation statement giving the cause, the three receipts, the boarding pass for Saturday, the original booking and the card statement. Notice inside 90 days of the loss.
If the claim is refused
Ask for the exact clause, use the insurer's internal review, then the external complaints body for your country. What to do when a delay claim is denied.
Questions about filing a claim
How long do I have to file a claim on my travel insurance?
It depends on the insurer. In the 143 wordings we read, notice windows run from 24 hours to one year, and 52 say only "as soon as possible" or give no number. Common US notice windows: 20 days (9), 60 days (6), 1 year (4), 90 days (3). The usual US proof of loss window is 90 days.
What proof do you need for a travel insurance claim?
The airline's written statement of the delay and its cause, itemised receipts, proof you paid for the trip, and any refund or voucher the airline gave you.
What is the most common travel insurance claim mistake?
Missing documents, above all a written statement from the airline that gives the length and cause of the delay.
What not to tell your insurance company?
Tell the insurer everything that is relevant, accurately. A misstatement or a left-out refund can void the claim. Quote the airline's stated cause as written.
How long do travel insurance claims take?
Insurers rarely commit to a number. Missing documents are the main cause of delay, and a claim cannot be processed until every required document is in.
Who do I claim from for card trip delay cover?
The benefit administrator named in the card's guide to benefits. The bank's customer service line cannot take the claim.
Related pages on this site
Every figure on this page links to its source
4 sources
Read on the provider's or regulator's own page unless tagged summary (reported elsewhere) or unverified. The live site's full source list is on the methodology page.
- Claim reference data, methodology page read checked 15 November 2026
- ABC7 KGO San Francisco read checked 15 November 2026
- American Airlines customer service plan read checked 15 November 2026
- Allianz Travel Insurance plans and certificate read checked 15 November 2026