Travel disruption claims for insurance companies
Efficient, reliable, and cost-effective subrogation. For over 20 years we have helped insurers streamline travel disruption claims, reduce costs, and deliver faster resolutions for their clients.
Supporting insurers across the travel sector
Travel disruptions happen for many reasons: flight delays, cancellations, missed connections, or more serious incidents such as personal injury or medical emergencies during a trip. While passengers often claim directly, insurers frequently face the long, complex process of subrogation — recovering funds from airlines, transport operators, or other responsible parties.
That process is time-consuming, administratively heavy, and requires detailed knowledge of passenger rights, European and international regulations, and carrier procedures. TicketRefund.com helps insurance companies navigate these challenges efficiently — reducing claim costs by up to 15% and significantly accelerating recovery times.
Our subrogation expertise
Subrogation — recovering money paid to policyholders from responsible third parties — can be long and complicated. Airlines, ferry operators, rail companies, and cruise lines each have different procedures, documentation requirements, and response times. Handling these cases in-house consumes resources and delays reimbursement.
- Handles all claim submissions and correspondence with transport operators
- Collects and organises all necessary documentation
- Monitors claims until they are resolved
- Negotiates directly with carriers and service providers
By outsourcing subrogation to TicketRefund.com, insurance companies benefit from faster recoveries, reduced administrative costs, and greater accuracy in claims management.
Comprehensive travel disruption solutions
We offer insurers a full range of services across travel disruption claims, both within Europe and globally:
- Flight and transport disruptions: Compensation for delays, cancellations, or missed connections under relevant European and international regulations.
- Baggage claims: Recover costs for delayed, damaged, or lost baggage efficiently.
- Medical claims: Support with medical costs incurred due to illness or injury during travel.
- Personal injury claims: Assistance pursuing compensation when injuries occur during trips.
Our knowledge of EU regulations — such as EU261/2004 for flights and EU1177/2010 for ferries and cruises — and other international transport laws helps insurers receive accurate, legally grounded recoveries.
Benefits for insurance companies
- Cost savings: Reduce claim costs by up to 15% through efficient handling and recovery.
- Time savings: Subrogation is managed from start to finish, freeing internal resources.
- Expertise: Over 20 years of experience in travel insurance claims ensures accurate, professional handling.
- Global coverage: Services extend beyond Europe to cover international travel disruptions.
- Risk reduction: We handle legal and procedural complexities, minimising errors and rejected claims.
Your teams can focus on client relationships, policy management, and growth, while we obtain compensation from airlines, ferry companies, cruise operators, rail services, and other responsible parties.
Why choose TicketRefund.com
With decades of experience in the travel insurance sector, TicketRefund.com is a dedicated partner for insurers seeking efficient, reliable, and cost-effective claims management. Our understanding of regulations, claim procedures, and transport operator policies helps deliver faster recoveries, reduced costs, and better outcomes for policyholders.
By outsourcing subrogation and claim recovery to us, insurers gain a partner focused on maximising recoveries, minimising administrative burden, and handling every file professionally.
We also offer an API for insurance companies
Connect your own claim system so files reach TicketRefund automatically — no second portal and no re-keying.
Travel insurers rarely want staff to upload claims by hand. Our partner API lets your claims platform create a TicketRefund file as soon as a disruption claim is opened on your side. Tickets, policies and other documents can follow the same way.
You keep your own claim ID as the reference. Your teams can then look up status — submitted, in correspondence, paid or closed — without logging in to copy and paste. A B2B dashboard remains available if some files still need to be sent by hand.
API access is issued per company, with documentation for your IT team. Contact us to receive credentials and a short integration guide.
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Create claims automatically
When a claim is filed in your system, it can be added to TicketRefund in the same moment.
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Send documents from your workflow
Attach tickets, boarding passes, policies and photos without leaving your own software.
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Check status from your system
Look up progress using our claim number or your internal reference.
Get in touch
If you are a travel insurance company looking to reduce claim costs, speed up subrogation, and serve policyholders better, contact us to discuss a tailored workflow for your portfolio — including API integration.