Protecting yourself against trip cancellations, airline changes, and lost or damaged baggage makes financial sense. When traveling, people want to be able to get away from the stresses of their life, not add more. People don’t consider or feel the need to buy travel insurance during their getaways. Due to the Covid-19 pandemic, many are still feeling weary to go on vacation and are investing in travel insurance plans. It's helpful to have insurance in place if your ticket is non-refundable because if you need to make a last-minute change, you are protected. There are many travel insurance companies and insurance providers you can go to that cater to your needs. You have the option to buy coverage for things such as medical and dental expenses while away from home.

What Airline Insurance Covers

Airline ticket insurance can be used for trip cancellations, trip interruptions, trip delays, medical expenses, spending beyond your credit card, and baggage loss. When you buy a ticket and then need to cancel it, you will not get your money back unless your airline ticket insurance and your reason for cancellation is a covered reason. Reasons include the death of a family member or traveling companion, illness, injury, medical evacuation, and more. In return, the travel insurance can reimburse you only if a prepaid, non-refundable ticket. Rental cars, the cost of your flight, and other travel assistance are offered through those reimbursements. When your trip is interrupted, has a flight delay, or needs to fly home immediately instead of taking the return flight you originally booked, your insurance will cover any trip costs you might have to pay. Your insurance policy will also reimburse you for costs associated with lost, stolen, or damaged luggage while you travel. If you miss a connecting flight and forfeit a hotel reservation, your insurance will cover any charges or deposits you can't get back from the hotel. When you buy a policy that includes medical coverage, your airline ticket insurance also pays for expenses not covered by your own health plan.

What Insurance Doesn't Cover

Flight insurance does not cover voluntary ticket changes for unapproved reasons. You will need to demonstrate illness, death, job loss, weather problems, bankruptcy, accident, or some other reason to change your plans. Otherwise, your insurance will not cover your canceled flight. Check with the insurance company before you purchase your policy, so you know precisely what exclusions apply to your coverage. There will be limits as well. You will not be covered for a $4,000 handbag when your insurance policy has a $500 limit.

Airline Plans

Airline travel insurance can be bought directly from the airline you're flying when you book your trip. You will receive information on coverage terms and policy limits, and you'll have to pay for the insurance when you pay for your ticket. Some airlines might allow you to add coverage after you book, but it will be more expensive at a later date. Your airline might let you use frequent flyer miles or award points to pay for the insurance plan. Allianz Trip Insurance is considered to have the best travel insurance because of the deals they return to people. Their travel protection is used by airlines across the United States, Canada, and Mexico. Allianz has plans for trip cancellation insurance, air travel, and travel medical insurance.

Individual Plans

Purchasing a plan directly from the airline is convenient, but you may find more affordable plans on your own. Companies such as Travel Insured and Travel Guard offer you insurance plans with various types of coverage levels. Get a quote from these companies before you book with your airline, and then you can compare the rates and what kind of insurance you are getting in exchange for your premium. Make sure to read the fine print and understand what exactly the insurance coverage claims to be covering. Policies such as comprehensive travel insurance usually cover some flight cancellations due to sickness, baggage delay, airfare delay, and some medical emergencies. Additionally, during the booking process, pay attention to whether your flights have non-refundable expenses or refundable ones. Travel insurance as an add-on to non-refundable tickets is cheaper than a refundable option.

Filing a Claim

In order to get the travel insurance coverage reimbursed, you will need to file a claim. The airline ticket insurance company will provide you with customer service information, including instructions on who to call for help while you are traveling. The claims procedure will depend on your plan, but you can expect that you'll need to provide a detailed explanation of what happened and an estimate for the costs you need to be reimbursed. Some insurance options will offer more benefits than others such as health insurance, but most cover trip cancellation coverage and interruption coverage. Keep your certificate of insurance with you at all times while you travel.