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Not-fit-to-fly letters for insurance claims

Too ill to travel — or too ill to fly home? Travel insurers ask for medical evidence before they pay out on a cancellation or curtailment claim. A MobiDoctor doctor can assess you by video, wherever you are in Europe, and issue a dated letter documenting that you were not fit to fly.

✚ Medically reviewed by Dr. Chrysoula I. Liakou · Letters carry a reference insurers can verify
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What is a not-fit-to-fly letter?

A not-fit-to-fly letter is a dated, signed doctor's statement that you were medically unfit to travel or fly on specific dates. Travel insurers request it as evidence for cancellation and curtailment claims, and airlines may ask for it after a denied boarding. To carry weight it must come from a licensed doctor after a genuine assessment — MobiDoctor letters state the clinical basis and carry a verification reference your insurer can check.

When you need one

Cancelling before you goIllness or injury before departure — insurers ask for medical confirmation that travel wasn't advisable on the planned dates.
Cutting a trip shortTaken ill abroad and returning early — documentation of the assessment and advice supports a curtailment claim.
Unable to fly home as plannedIf a doctor advises against your return flight (after illness, injury or a hospital stay abroad), the letter documents it for the insurer and, where needed, the airline.
Denied boarding on medical groundsA documented assessment close to the event strengthens the claim record.

What insurers expect the letter to contain

The date of assessment; the condition or symptoms (at the level of detail you consent to share); the doctor's opinion that you were unfit to travel or fly on the relevant dates; the doctor's name, registration and signature; and a verification reference. We recommend booking the assessment as close as possible to the affected travel date — retrospective letters are weaker evidence and are issued only where the doctor can properly assess the history.

Honest by design: a letter is issued only when the clinical assessment supports it. Doctors document what they find — that's exactly what makes our letters worth something to your insurer.

What claims handlers actually check

Assessment date vs travel dateThe assessment should sit as close as possible to the affected departure — same-day video consultations make that achievable even mid-trip.
A clinical basis, not a repeat of your wordsThe letter states what the doctor found and concluded — that independence is exactly what gives it evidential weight.
An identifiable, licensed doctorName, registration and signature — plus our verification reference the insurer can check in seconds.
Consistency with the claim typeCancellation (unfit to start the trip), curtailment (cutting it short), or unfit to fly home (rebooking/extension costs) — the letter is worded for the right one.
Policy-specific wordingIf your policy names requirements, bring them to the consultation — the doctor can address them directly where clinically appropriate.

How it works

1
Book urgently

Same-day video consultations, 7 days a week — from home or from your destination.

2
Assessment

The doctor examines your situation and records the clinical findings.

3
Letter for your claim

Dated, signed and verifiable — ready to attach to your insurance claim.

Ill before or during a trip?Get assessed and documented today.See a doctor now →

Frequently asked questions

Will my insurer accept a telehealth letter?

Insurers require evidence from a licensed doctor; policies rarely require the assessment to be in person. Our letters are issued by EU-licensed doctors, state the clinical basis, and carry a verification reference claims handlers can check. If your policy names specific requirements, bring them to the consultation.

I'm already abroad — does this work?

Yes — that's the point. MobiDoctor doctors consult by video across Europe, so you can be assessed from your hotel room and have the documentation before you rebook anything.

What if the doctor concludes I am actually fit to fly?

Then no not-fit-to-fly letter is issued — and that integrity is what makes our letters carry weight with insurers. Where appropriate you'd get a fit-to-fly letter or advice instead, and you only proceed with what the assessment supports.

I recovered before seeing a doctor — can you still help?

Book anyway. The doctor can document your reported history, clearly marked as such, and assess any ongoing signs. It's weaker evidence than a contemporaneous assessment — which is why we recommend booking the moment illness disrupts travel plans.

Can you backdate a letter?

No. Letters are dated on the day of assessment. Where you were ill earlier, the doctor can document the reported history — clearly marked as such.

More MobiDoctor tools: Can I take my medication abroad? · Fit-to-fly checker · Travel Health Index · Airline pregnancy rules · EU medicine shortage tracker · Open data · For airlines & insurers
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