After my travel insurance paid my cancelled trip claim, can the insurer ask for money back or go after the airline, or raise my premium?

Washington's glossary says subrogation lets the insurance company get back what it paid you. It can get it from the person at fault or from their insurance company [1]. The sources do not say how that works for travel policies. They do not say if you must pay anything back.

Washington's travel page tells buyers to look at the refund policy [2]. Some trips also have a cancellation waiver. Washington says a waiver is not insurance [3]. If you get a refund after the insurer paid, ask it in writing what to do.

On price, Washington's renter insurance page says claims history is a factor when insurers renew a policy, offer one, or set your price [4]. That page is about renters, not travel. Whether a travel claim changes a later price is "Don't know yet".

Read your policy and your claim payment letter. Look for words like subrogation, reimbursement, or other insurance. Ask the insurer in writing if a refund changes what you owe. No source we read says what a travel insurer may get back after paying. None says if a claim changes later premiums — "Don't know yet".