Stopped at Immigration due to ECR – Flight missed, Insurance claim possible?

Hey everyone,

Need some advice / similar experiences here.

My uncle had a flight from Mumbai (BOM) to Muscat with IndiGo (ticket cost around ₹18K, booked via Cleartrip). At the airport, during immigration, he was stopped because of ECR (Emigration Check Required) status on his passport.

Because of this, he was not allowed to travel and couldn’t board the flight.

Airline only refunded around ₹2,000, which I guess is just taxes.

We had also taken travel insurance from IndusInd via Cleartrip, which includes Trip Cancellation (around $750 coverage).

Now the confusion is:

• This wasn’t a voluntary cancellation
• He was stopped by immigration (government authority)
• But technically it’s also a documentation/ECR issue

So not sure:
👉 Will insurance consider this as “Trip Cancellation”
👉 Or reject saying “passenger was not eligible to travel”

Has anyone faced a similar situation?

• Did your claim get approved or rejected?
• Any tips on how to phrase the claim properly?

Would really appreciate real experiences 🙏