We just had to cancel both flights because my husband had pneumonia. We each have an airline voucher that is good for one year from the date of ticket purchase. It seems I can't collect on the insurance because of the voucher. If we are unable to use the voucher, we forfeit the amount. The Allianz insurance representative told me if I had just cancelled the ticket, I might not be able to collect the insurance. I could not get a straight answer on when I am eligible to claim the insurance. Also, I changed the date on my flight before I knew my husband had pneumonia so my voucher is for a different trip. If you have a trip credit, does this mean you cannot collect on the insurance? The Allianz Insurance people I talk to are no help. Thank you.