Flight cancellation - will travel insurance cover my visa got rejected?

I had booked a trip to Bali for 15 days starting from in 2 weeks. I also bought travel insurance from Tata AIG for 3000 rupees covering medical emergencies, trip cancellation, baggage loss etc. Unfortunately, I have to cancel the trip because my visa got rejected. My flight tickets cost 40000 and hotel booking was 30000. Will my travel insurance cover these cancellation charges? What documents do I need to submit? The policy says trip cancellation is covered but I am not sure if my reason qualifies. Has anyone claimed for trip cancellation? How much did you get reimbursed?