60–180 days
typical appeal window after an OTA insurance denial
14 days
average review turnaround from submission
Free
to start — we only earn when you recover
How RecoverAir handles OTA insurance denials
An OTA insurance denial may reference policy exclusions, coverage gaps, or documentation issues that are specific to how the booking was structured through an intermediary platform. These grounds are often challengeable.
RecoverAir reads your policy, identifies the grounds cited in the denial, builds the documentation for appeal, and submits a formal challenge on your behalf.
Frequently asked questions
Why do insurers deny claims for OTA bookings?
Common denial grounds for OTA bookings include non-covered cancellation reasons, documentation issues arising from the OTA's booking structure, timing disputes, and exclusion clause misapplications. RecoverAir reviews the specific grounds and identifies the strongest counter-argument.
My insurer says the OTA booking is not covered — is that right?
Coverage depends on your specific policy. Many insurers apply exclusions broadly to OTA bookings that are actually covered under a careful policy reading. RecoverAir reviews your policy and the denial letter and identifies whether the exclusion was correctly applied.
What documentation do I need to appeal an OTA insurance denial?
OTA booking confirmation, payment receipts, the denial letter with cited policy language, evidence of the covered event, and any OTA correspondence about the cancellation or dispute. RecoverAir guides you through the full documentation package.
How long do I have to appeal an OTA insurance claim denial?
Most travel insurance policies allow 60 to 180 days from the denial date to file an appeal. RecoverAir reviews your denial and advises on timing and the strongest appeal strategy.