Cancellation Invoice?

ceetp

Hi everyone, 
I'm having a nightmare trying to get cash refunds for flights for a multi-city US trip I was going to be going on in a few days.
I have had longstanding FlexPlus Travel Insurance with Nationwide, and my trip was booked in February, well before the coronavirus news hit. 

To explain, my flights are as follow:
Airfrance - LGW-JFK Return (London to New York return)
JetBlue Airways - PHL-LAX (Philadelphia to Los Angeles)
Frontier Airlines - LAX-JFK (Los Angeles to New York)

Of course due to the travel ban, I couldn't take any of these flights even if I wanted to.
My outbound Airfrance flight has been cancelled by the airline (but not inbound as yet). However, Airfrance have not sent me any correspondence about this (I just noticed online). I tried to call them but after 4.5 hours total on hold (over 2 tries) I still didn't get through. 
The Jetblue and Frontier flights have not been cancelled. However as they are domestic US, they are unlikely to get cancelled at all considering US citizens are pretty much still able to travel freely across most states. I can't call either company because they only have US-based premium toll customer service numbers and I would be calling from a mobile. With the current hold times that would cost a bomb! 

So here's my problem... 
Nationwide's insurers are saying they require "cancellation invoices" for all the flights. 
Airfrance haven't sent any cancellation correspondence. I have tried to request something but i'm getting no response. 
- If I screenshot their website where it says my flight is cancelled, does this suffice as a 'cancellation invoice'?
JetBlue and Frontier haven't cancelled. 
- If I cancel from MY end, because of course I cannot get to the US to take these flights, will my insurance cover it? and if so, what would the 'cancellation invoice' be in that case?

Note: All companies are offering vouchers/credit due to COVID-19, however I don't want to accept these as my job is currently on the line and this US trip will no longer be necessary (it was for something specific of which there are no plans to be rearranged)

Trying to sort this out is exhausting! Any help would be much appreciated. 

Life__Goes__On

Nationwide is talking rubbish, it would mean that if another company didn't sent it (cancellation invoices), they wouldn't have to pay out.

ceetp

That was my initial thought Life__Goes__On, but I just phoned them and the lady insisted that as an insurer, they are unable to refund for flights without a 'cancellation invoice' - something I'd never heard of before all this. 

Life__Goes__On

As them to put it in writing as you wish to complain, as it could be impossible to fulfill 
And ask them where in their T&Cs it states you need one.

Caz3121

the cancellation invoice should help identify your monetary loss. Insurance should cover costs not recoverable elsewhere- eg it is common for insurance not to pay taxes that should be refunded by the airline.
You may have an invoice that shows the initial cost but they would need to understand how much you have received back from the airline and then they cover the difference. If the airline fully refunds then no requirement for claim from insurance, if airline issues partial refund/taxes then they would need to see how much you have received back which should be on the cancellation invoice

ceetp

I understand that Caz3121, but I need to know if I will still be able to claim on my insurance if I cancel the flight my end?