If the Hotel or Airline flight policy does not allow a cancellation for the particular product you booked, We then advise that you contact the insurance company to make your claim, assuming your reason for canceling is covered by the insurance company. After you make your claim, we recommend that you contact the Hotel or Airline and notify them that you wish to cancel your booking. To make your claim please call Allianz Global Assistance at 1-866-909-4101, before calling have your policy number ready, you can find your policy number at the bottom of your itinerary.