Flight insurance

Airline compensation is money you’re legally entitled to from the airline when your flight’s delayed or canceled. The amount you can get to depends on the regulations that apply to your flight, and if your flight is eligible. We’re experts in claiming airline compensation, but the money is never guaranteed.


A payout is an extra €100 or €200 from your AirHelp+ insurance. You'll receive this payout when your flight’s delayed over 3 hours, canceled last minute, diverted, or if you miss a connection due to disruption, or when your luggage is lost or delayed. And it’s paid quickly.

The great news? In many cases, you can get both insurance payouts and compensation!

You have 28 days to request your luggage insurance payout and provide us with your bank details. After 28 days your payout will no longer be valid as per our Terms and Conditions.

Flight insurance does not cover missed connections; these are instead covered under missed connection insurance. Please review your plan to see which benefits are included.

You will only receive a payout if the flights you have registered on your dashboard are delayed by 3 hours or more, canceled within 28 days before departure, or diverted. Trips that are not registered on your dashboard are not eligible for coverage.

All trips must be added to your Customer Dashboard at least 48 hours prior to departure.

It’s easy. Add your flight to AirHelp+ (at least 48 hours before departure). Then we'll track it and quickly pay you €100 if:

• Your flight’s delayed by 3+ hours on arrival

• Your flight’s canceled within 28 days of departure

• Your flight’s diverted

The best thing? That €100 payout is on top of any airline compensation you’re owed. No paperwork, no signature — just fast payouts straight to your bank account.

If any flight in your trip is canceled 28 days before departure or less, was diverted, or arrives 3 or more hours late, AirHelp will automatically track the flight and email you an eligibility confirmation to claim your one-time €100 flight insurance payout.

You will be prompted to add your bank details, booking confirmation, and ID. It may take a few days for the money to show up in your bank account. 

AirHelp+ members get flight insurance bundled into their subscription. It’s not currently sold separately.

Flight insurance will protect all flights registered on your Customer Dashboard for the duration of the membership.

The number of trips covered by flight insurance varies according to the plan chosen.

To get the benefits of your flight insurance payout, you must add trip details to your Customer Dashboard at least 48 hours before the scheduled departure of the first flight. If you add flights less than 48 hours before they’re due to depart, the trip will not be protected.

Additionally, it will not apply on trips you add to the dashboard if one of the flights has already been delayed or canceled.

If you have protected your trip with flight insurance you will receive a one-time €100 payout in the following situations:

• Any flight in your trip is canceled by the airline less than 28 days before departure.

• Any flight in your trip is diverted from its original destination.

• Any flight in your trip arrives 3 or more hours later than scheduled at the final destination.

Unlike compensation for flight disruptions, the cause of the problem is not important, and you will receive your €100 even if the airline is not at fault.

A diverted flight is one where the flight takes a different route or lands at a different airport than originally scheduled.

For example, if your flight was scheduled to land at London Heathrow, but for some reason it lands instead at London Gatwick, that is considered a diverted flight.

Once you have provided your bank details it takes on average 12 hours for us to send your payout. However, it may take a few days for it to reflect on your account.

Yes. We take data security and privacy very seriously. Therefore, we would like to assure you that our data protection policy on the processing, sharing, and storing of all personal information, including bank details, is fully compliant with all EU data protection regulations, including the General Data Protection Regulation (GDPR).

You can read the AirHelp Privacy Policy here.

You are only entitled to a €100 payout for a cancellation where the airline cancels your flight. 

Unfortunately, we are not able to cancel flight insurance protection if you decide not to take the flight.

Yes, as long as all the flights on your trip are added in the app or Customer Dashboard at least 48 hours before your scheduled departure.

However, there’s a limit of one €100 payout per trip, even if more than one flight is disrupted. So, if two flights within the same trip are delayed, you’ll only receive the payout once.

Flight insurance only protects the trips of AirHelp+ members. Co-passengers are not covered by your subscription, they need to purchase their own.

We aim to confirm eligibility as quickly as possible. If a disruption occurs (i.e. your flight is canceled within 28 days before departure, was diverted, or is delayed 3 hours or more on arrival) AirHelp will confirm your eligibility for the €100 payout within at least 36 hours of the disruption occurring. 

You should receive an email from AirHelp if any of the following disruptions occur: 

• Your flight is canceled by the airline 28 days before departure or less.

• Your flight is diverted from its original destination.

• Your flight arrives at its destination 3 or more hours later than scheduled.

If you believe your flight qualifies for a payout, but have not received a notification from AirHelp, you can request a review of your claim.  

To ensure all decisions are fair, AirHelp uses data from multiple independent third parties to monitor the status of all flights. It is this third party data that will determine when a flight qualifies for a payout.

This information is considered final, and cannot be disputed by either AirHelp or the customer. However you can request that your claim be reviewed by our insurance partners. 

Flight insurnace cannot insure your flight disruption in the following cases:

• If you do not have a valid booking confirmation or boarding pass. 

• Your flight was canceled more than 28 days before your scheduled departure. 

• Your flight was affected as a result of: 

  • Foreign or civil war. 

  • Threat of explosives, radioactive waste, or any other source of radiation. 

  • Declaration of health emergencies such as a pandemic or epidemic. 

  • Any losses, damages, liability, or expense caused by a cyber act or cyber incident. 

• If an event disrupts air traffic for more than 7 days — examples include strikes, public demonstrations, or extreme weather. In these cases AirHelp will pay for all flight delays and cancellations that occurred within the first 7 days of the air traffic disruption. If your flight falls on the 8th day or later of an ongoing disruption, it will not be covered.

One of the conditions of flight insurance is that you were onboard the flight that was delayed or diverted. If you declare that you were not onboard, we cannot make the payment.

This condition does not apply for canceled flight disruptions.

Once you have supplied your bank details, It may take a few days for the money to show up in your bank account.

However, in spite of our best efforts, there may be situations where it may take longer for the banks to process the payment.

 If you have not received the money after 7 working days, please contact our agents using our online chat or at [email protected].

You can receive your payout if your bank account is based in one of the following countries: 

• Andorra

• Argentina

• Armenia

• Austria

• Azerbaijan

• Bahrain

• Belgium

• Bosnia and Herzegovina

• Brazil

• Bulgaria

• Cameroon

• Canada

• Chile

• China

• Colombia

• Costa Rica

• Croatia

• Cyprus

• Czechia

• Denmark

• Dominican Republic

• Ecuador

• Egypt

• Estonia

• Faroe Islands

• Finland

• France

• French Guiana

• Gabon

• Germany

• Greece

• Guadeloupe

• Guatemala

• Honduras

• Hong Kong

• Hungary

• Iceland

• India

• Indonesia

• Ireland

• Israel

• Italy

• Ivory Coast

• Japan

• Jersey

• Jordan

• Kosovo

• Kuwait

• Latvia

• Liechtenstein

• Lithuania

• Luxembourg

• Malaysia

• Malta

• Martinique

• Mayotte

• Mexico

• Moldova

• Monaco

• Morocco

• Netherlands

• New Caledonia

• New Zealand

• Norway

• Oman

• Peru

• Philippines

• Poland

• Portugal

• Qatar

• Réunion

• Taiwan

• Thailand

• Turkey

• Ukraine

• United Arab Emirates

• United Kingdom

• United States

• Uruguay

If you country is not on the list above, please contact us through our online chat or email [email protected] so we can collect your bank account details and send your payout.

The flight insurance payout is €100, and this is the amount we will send to your bank account. However the actual amount that you receive will be in your account’s local currency, and will depend on the current exchange rates applied by your bank.

The payout can only be sent to the AirHelp+ member.

If you are dissatisfied with your flight insurance benefits or the service you've received we want to know about it. Please fill out our complaint form, which will be reviewed by our insurance partners.