LOSS OF LICENSE INSURANCE
FOR PROFESSIONAL PILOTS

Protect Your Career. Protect Your Income.
Specialized coverage for aviation professionals.
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Loss of License Insurance for Professional Pilots

Pilot Loss of License Insurance, also known as Loss of License Insurance, helps protect professional pilots’ income when an illness, injury, or medical condition prevents them from meeting the requirements to fly professionally.

Unlike traditional disability insurance, this specialized aviation coverage is designed with the specific medical requirements pilots must meet to continue performing their professional flying duties.

A pilot does not necessarily have to be unable to work to experience a significant loss of income. A medical condition may prevent a pilot from meeting the medical certification requirements established by the applicable aviation authority, even when the pilot is still capable of performing other types of work.

Depending on the policy, Loss of License Insurance may provide monthly benefits or other forms of financial protection while the insured pilot is unable to perform professional flying duties, helping protect the pilot’s household income.

seguro por pérdida de licencia para pilotos

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Why Traditional Disability Insurance may not be enough for pilots

Professional pilots face occupational risks that are different from those faced by many other professionals. Certain medical conditions, vision changes, cardiovascular conditions, neurological conditions, and even some medications can affect a pilot’s ability to obtain or maintain the medical certification required to fly.

Occupation-Specific Risk

Some disability insurance policies evaluate whether an individual is capable of working in another occupation. For a pilot, the primary concern is whether a medical condition prevents the individual from continuing to work professionally as a pilot.

Aviation Medical Requirements

Professional pilots must maintain the appropriate medical certification required by the aviation authority governing their flight operations. Loss of License Insurance is designed with these aviation-specific medical requirements in mind.

Income Protection While the Pilot Is Unable to Fly

Depending on the policy and the qualifying medical condition, benefits may help replace a portion of lost income while the pilot is medically unable to fly.

Key benefits of Pilot Loss of License Insurance

Income Protection

Helps protect a pilot's income when a qualifying medical condition prevents the pilot from performing professional flying duties.

Aviation-Specific Coverage

Designed specifically to address the medical and occupational risks faced by professional pilots.

Temporary or Permanent Loss Options

Depending on the policy, coverage may be available for temporary or permanent loss of the medical privileges required to fly.

Coverage for Aviation Professionals

Policies may be available for airline pilots, corporate pilots, cargo pilots, commercial pilots, flight instructors, and other eligible aviation professionals.

Frequently asked questions about Pilot Loss of License Insurance

Pilot Loss of License Insurance is designed to help protect the income of professional pilots who become medically unable to perform their flying duties.

Depending on the policy, benefits may be available when an illness, injury, or qualifying medical condition prevents a pilot from maintaining the medical certification required to fly professionally.

Loss of License Insurance may be relevant for professional pilots and other aviation professionals whose income depends on maintaining a valid pilot license, ratings, and medical certification under the applicable aviation authority’s requirements.

Depending on eligibility requirements and the terms and conditions of the policy, coverage may be available for pilots with different types of licenses and flying responsibilities, including:

  • Private Pilot License (PPL)
  • Commercial Pilot License (CPL)
  • Airline Transport Pilot License (ATPL)
  • Airline pilots
  • Corporate pilots
  • Cargo pilots
  • Flight instructors
  • Other eligible aviation professionals

Pilot licensing and medical certification requirements vary by country. In Latin America, pilots may be regulated by different national civil aviation authorities, including:

  • Aerocivil – Colombia
  • DGAC – Chile
  • DGAC – Peru
  • ANAC – Argentina
  • ANAC – Brazil

In other countries, pilots are subject to the requirements established by the applicable aviation authority.

For this reason, eligibility for Loss of License Insurance should be evaluated according to the type of pilot license, professional flying activity, country, applicable aviation authority, medical condition, underwriting requirements, and the specific terms and conditions of the policy.

If a pilot loses or is unable to maintain the medical certification required by the applicable aviation authority, the pilot may be temporarily or permanently unable to perform professional flying duties, even if they are still capable of performing other types of work.

This can result in a significant loss of income.

Depending on the policy’s terms and conditions, Loss of License Insurance may provide financial benefits when an illness, injury, or qualifying medical condition prevents the pilot from meeting the medical requirements needed to continue flying professionally.

Medical certification requirements vary by country and applicable aviation authority.

No. Traditional disability insurance generally focuses on whether an individual is unable to work because of a disability.

Loss of License Insurance is specifically designed to address the occupational and medical risks faced by professional pilots, including situations in which a pilot may be unable to fly but is not completely unable to work.

Some policies may provide benefits for a temporary loss of the medical privileges required to fly, while others may also cover permanent loss.

Benefit periods, waiting periods, definitions, exclusions, eligibility requirements, and other policy provisions vary by insurance company and policy.

Coverage may be appropriate for pilots whose income depends on maintaining the medical and professional requirements necessary to fly, including Commercial Pilot License (CPL) holders, Airline Transport Pilot License (ATPL) holders, airline pilots, corporate pilots, cargo pilots, flight instructors, and other eligible aviation professionals.

Depending on the policy and its eligibility requirements, other options may be available for pilots, including Private Pilot License (PPL) holders.

Eligibility may vary by country, license type, flying duties, applicable aviation authority, medical history, underwriting requirements, and policy terms.

Benefit amounts vary by policy, insurance company, pilot’s income, occupation, age, medical history, and selected coverage.

Some policies provide monthly income benefits, while other benefit structures may be available depending on the insurance product.

Eligibility depends on the insurance company’s underwriting requirements, your specific medical condition, and the policy terms.

Pre-existing medical conditions may be subject to specific conditions, limitations, exclusions, or underwriting requirements that are reviewed during the application process.

Premium costs depend on factors such as the pilot’s age, license type or flying activity, income, medical history, benefit amount, waiting period, and coverage duration.

A personalized insurance quote is generally required to determine the actual cost of coverage.