any travel insurance covers ourselves if we have valid reason and cant proceed with travel plan?
Valid reasons could be due to medical conditions ...
If so, you would need official doctor document including the signature of the doctor, and the conditions of you not able to travel ...
claimed from budget airline and full fledged airline
normally budget airline would take within 10 to 15 working days to refund you in the form of bank transfer or voucher ... full fledged took 48 hours to process and refund to us within one week ...