Visa Denial
Cover Protection
Book your international holiday with absolute peace of mind. Get a 100% full refund on visa fees in case of rejection.
Section 1: Core Eligibility & Scope
This policy governs standalone visa application and processing services purchased directly through our online platform. Also referred to as the Visa Denial Cover (VCRP).
Qualifying Criteria
The refund is applicable only if you applied for a tourist visa and it was officially rejected by the embassy or consulate, provided you submit all required documents supporting your visa rejection within the required timeframe.
₹The 100% Zero-Cost Protection Guarantee
Uniquely, unlike other companies that charge an upfront premium, hidden service fees, or separate insurance costs for visa denial protection, BalmyTrip Holidays provides this cover at Zero Rupees (₹0). If your tourist visa is denied under eligible conditions, you receive a 100% refund of the total visa fee (inclusive of embassy fees and platform processing charges paid on our website) without any deductions.
⚠️ Absolute Exclusion of Ancillary & Out-of-Pocket Expenses
The 100% refund guarantee applies strictly and solely to the core visa fee paid directly on our platform. Under no circumstances will BalmyTrip Holidays reimburse or cover any independent, ancillary, or out-of-pocket expenses incurred during your application process, including:
Eligible Countries Matrix
This 100% refund guarantee applies exclusively to tourist visa applications filed for the following destinations:
Section 2: Claim Submission & Required Documents
What documents do I need to submit and how do I file a claim?
To file a claim, you can choose either of the following submission methods:
Online Portal
Upload your files directly onto the official BalmyTrip Holidays online claims portal.
Email Submission
Email your complete documentation directly to our dedicated claims verification support team.
Key Timelines
Document Re-validation Window: If the verification team determines that document re-validation is required, the customer must resubmit the updated/corrected document within the next 10 days.
Claim Submission Deadline: Users must successfully submit their complete claim via the online portal or email at least 24 hours before their scheduled departure to be eligible for a refund.
The following clear, legible documents must be provided regardless of the submission track chosen:
Official Visa Rejection Letter: The formal notice from the embassy/consulate stating the exact reason for rejection.
Special Country Exception (Japan / Turkey / China): In the case of an absolute absence of a physical Visa Rejection Letter from the embassy, you can arrange for and submit the consulate’s official email confirming the visa rejection.
Passport Copy: A clear copy of the visa-stamped page where the official visa rejection is explicitly mentioned (applicable for countries where rejection stamps are placed directly on the physical passport).
What if I don't get a physical Visa Rejection Letter?
In cases where you do not receive a detailed physical visa rejection letter (such as applications for China or Japan), you can submit a screenshot of the official visa rejection email via the online portal or email.
Section 3: Assessment Framework (Approved vs. Excluded Grounds)
Your refund claim will be systematically evaluated based on the official reason listed in your rejection documents.
1. Eligible Grounds for Refund Approval (Enhanced Consumer Flexibility)
A refund claim will be happily approved if the embassy's official rejection is due to any of the following non-fraudulent, sovereign evaluation grounds:
- Failure to justify the purpose and conditions of the intended stay, including incomplete or unclear travel plans.
- Lack of International Travel History: Rejections based solely on the profile of the applicant being a first-time international traveler with a fresh/blank passport.
- Weak Social/Economic Ties to Home Country: Rejections stemming from demographic profiling by the embassy (e.g., single/young working professionals) where "intention to return" is questioned despite the submission of completely authentic Indian employment records.
- Sponsorship Profiling Doubts: Rejections issued to dependents (students, homemakers, elderly parents) whose trips are fully sponsored by primary family members with clean, verifiable financial trails, but rejected under visa officer discretion.
- Sudden Sovereign Policy/Threshold Changes: Rejections caused because an embassy suddenly raised its daily live maintenance fund thresholds or updated compliance rules mid-way through your active application assessment cycle.
- An official alert issued in the Schengen Information System (SIS) regarding public health threats or security risks.
- Reasonable suspicion held by the visa officer that the applicant does not intend to leave the destination country before their visa expiry.
- The presence of a medical condition that may prevent travel or pose an independent risk to public health.
- Poor visa interview performance, including inconsistent responses, nervousness, or an evident lack of preparation.
2. Grounds for Absolute Claim Rejection
A refund claim will not be provided if the visa rejection is triggered by customer negligence, financial shortfalls, procedural faults, or document discrepancy, including:
- Insufficient Proof of Funds: Rejections caused by an insufficient bank balance, standard low maintenance funds, or a structural lack of funds to cover the entire journey. Rejections due to financial sustenance issues are completely excluded from refunds.
- Submission of incomplete, insufficient, false, or forged documents (including the use of dummy hotel vouchers, fake accommodation confirmations, or dummy flight tickets where actual, live ticket/hotel bookings do not genuinely exist).
- Mismatched Identity & KYC Errors: Rejections caused by structural name variations, typographical errors, or surname mismatches across submitted Indian government IDs (Aadhaar, PAN Card), company records, bank accounts, and the applicant's passport.
- Financial Account "Window Dressing": Rejections issued because of sudden, unexplained massive cash infusions or borrowed lump-sum balances deposited into the bank account right before generating statements, flagged by the embassy as unjustified funds.
- Invalid or Non-e-Verified Tax Returns: Submission of manual, obsolete, un-e-verified, or manipulated Income Tax Returns (ITR or ITR-V) that cannot be validated.
- Jurisdictional Misfiling: Applying at a VFS Center, consulate, or high commission office situated outside the applicant's legally designated geographic jurisdiction in India, without presenting valid, locally registered address proof (e.g., registered rent agreement).
- Third-Party Sabotage: Application errors, omissions, or processing conflicts arising because the applicant consulted, cross-hired, or processed documents through an unapproved local third-party visa agent alongside our portal.
- Doubts raised by the embassy regarding the internal accuracy or authenticity of supporting documents.
- Applying for a visa too close to the travel date without providing a valid justification.
- Expired, invalid, or damaged passports, or passports lacking the required number of blank pages.
- Previous visa rejections on your record for similar reasons.
- Active criminal records, pending litigations, or past immigration violations.
- Failure to attend a scheduled visa interview or biometric appointment.
- Failure to provide a valid travel medical insurance policy where explicitly required by the destination country.
- Voluntary withdrawal of the visa application by the applicant.
- Standard visa processing delays from the embassy or consulate.
- Failure of police verification specifically for a US visa.
- Past immigration violations resulting directly in visa denial or rejection.
Additional Policy Exclusions
Exclusions by Visa Type
This cover is only applicable for tourist visas. Other types of visas are strictly excluded from this program and are not covered, including business, student, work, dependent, or transit visas.
No Cover for Delays
Delays in visa processing from the embassy or consulate are not covered under this policy. The refund becomes applicable only and exclusively if your visa is officially rejected by the embassy/consulate.
Section 4: General Terms, Conditions, & Legal Disclaimers
Final Decision Authority:BalmyTrip Holidays reserves the right to fully verify claims, audit documentation across portal and email channels, and reject fraudulent, non-compliant, or ineligible cases.
Payout Window:Once the documentation is verified and approved by the claims team, your 100% refund will be credited back to the original source payment method (Credit Card, Debit Card, UPI, or NetBanking) within exactly 21 business days.
Non-Disparagement & Review Authenticity Provision:BalmyTrip Holidays provides this premium 100% protective visa refund cover entirely at zero cost to shield applicants from the financial risks of sovereign immigration outcomes. Sovereignty over visa approvals rests strictly with the destination country's embassy, not BalmyTrip Holidays. By accepting a 100% fee refund under this program, the user explicitly agrees that they shall not post, publish, or circulate any retaliatory negative reviews, defamatory content, or disparaging remarks against BalmyTrip Holidays on public forums, social media channels, or review aggregators (such as Google Reviews, Trustpilot, etc.). Any malicious public review posted despite receiving a complete policy-compliant refund will be treated as bad faith, a direct violation of these terms, and an abuse of the platform, giving BalmyTrip Holidays the right to recover the refund amount, terminate the user's account, and pursue legal damages.
Policy Modifications:BalmyTrip Holidays reserves the right to change, modify, or completely withdraw the Visa Denial Cover at any time at the sole discretion of the Management, without prior notice, liability, or assigning any reason whatsoever. BalmyTrip Holidays is the sole authority for the interpretation of these terms.
Anti-Abuse Clause:In the event of any detected fraud, misuse, or abuse of the terms of this program, BalmyTrip Holidays reserves the immediate right to deny or cancel the Visa Denial Cover.
Force Majeure:BalmyTrip Holidays shall not be held liable for any financial loss or damage arising due to a force majeure event.
Liability Cap:In no event does the entire liability of BalmyTrip Holidays under this Visa Denial Cover exceed the actual fee paid by the customer towards the specific visa booking.
Indemnity & Damages Limitation:In no event shall BalmyTrip Holidays be liable for any indirect, punitive, special, incidental, or consequential damages. You hereby agree to indemnify and keep BalmyTrip Holidays harmless against all damages, liabilities, costs, expenses, claims, suits, and proceedings arising from your violation of these terms or applicable laws.
Intermediary Status:BalmyTrip Holidays operates solely as an intermediary. BalmyTrip Holidays disclaims all liability and responsibility whatsoever for the services rendered by the end service provider (the embassies/consulates).
Governing Law & Venue:These terms and conditions are governed strictly by the laws of India. In alignment with our centralized corporate frameworks, the Honorable Courts of Lucknow and Pune will have exclusive jurisdiction over any matters or disputes arising out of or concerning this Visa Denial Cover.
Precedence of Terms:These terms and conditions are in addition to the standard Terms of Use and Privacy Notice of our platform. To the extent these conditions are inconsistent with general website terms, these specific clauses shall prevail concerning the Visa Denial Cover only.
Non-Transferable:The Visa Denial Cover is non-transferable, non-exchangeable, and cannot be redeemed for cash.
Electronic Record Compliance:This document constitutes an electronic record in terms of the Information Technology Act, 2000, and the rules thereunder as applicable, and the amended provisions about electronic records in various statutes.
Personal Use Only:Benefits under this program are intended strictly for personal use and shall not be commercially exploited. BalmyTrip Holidays shall not be responsible for any inaccuracy of information submitted by the user.
Data Privacy & Telecommunications Risk:By opting for this cover, you agree that your personal information may be used to execute and communicate participation details under our Privacy Policy. You acknowledge that internet/email transmissions carry natural risks of interception or delivery failure, and you agree to assume all related telecommunication risks.