What is Flight Insurance? Cancellation & Delay Protection Info

last updated on 03/04/2022

explanation of flight ticket protection

Flight insurance is a coverage option that is often available as an add-on when booking an airline ticket, either from an airline directly or through a third-party site such as Expedia or Priceline. flight insurance is a “light” type of coverage due to lower plan limits compared to other options. Every insurance plan, including flight insurance, has a certificate outlining what may be covered in regards to unexpected events and the maximum value of coverage. Collectively, this certificate describes the limits of the plan.

Reading: What does airline insurance cover

what is flight protection

what does flight insurance cover?

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For most flight insurance plans, coverage is limited to unexpected events related to your air travel. Generally, this type of policy covers flight delay, trip cancellation or interruption, and lost, damaged, or stolen luggage up to the plan limit. it also covers you if you are unable to fly due to a documented medical reason on the date of your travel. Please note that since the limits are low, it may leave some gaps in coverage.

how does flight insurance work?

One of the most important things to know when considering flight protection is that any benefits are secondary to what you might receive in compensation directly from the airline. In the event that conditions require the delay or cancellation of your flight, or if you have a claim for lost or stolen baggage, you must first file a claim with the airline for compensation under the “contract of carriage” you it is part of your ticket reservation and describes how the airline must reimburse you or compensate you above the cost of your ticket in various situations. your flight insurance policy would cover any difference between what the airline compensated you and your policy limit.

how much does flight insurance cost?

The cost of flight insurance varies by provider, whether offered by a third party or by the airline itself. Although the cost can be very low compared to the cost of a flight, we have discussed earlier in this article why you may want to consider comprehensive travel insurance instead. With comprehensive travel insurance, you can insure all non-refundable and prepaid travel costs for an average cost of 4-10% of the total cost of your trip. For example, a couple in their 50s traveling to Ireland for a ten-day trip costing $5,000 could insure their trip with a comprehensive plan starting at around $180, depending on the exact limits and exclusions of the plan.

Should I take out flight insurance?

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While the cost of flight protection is low compared to other types of coverage, it’s important to consider the parts of your trip that come after your flight. If you’ve made a significant investment in your travel arrangements, flight insurance may leave you with some gaps in coverage due to the relatively lower maximum value and more limited range of covered events. If you have travel costs related to a pre-booked excursion or non-refundable hotel costs, the total cost of your trip can easily exceed the maximum of the airline’s insurance plan. It’s a good idea to consider other travel insurance coverage so you can choose a plan that fits your specific needs.

Because comprehensive travel insurance can offer higher limits on the maximum plan value and a broader range of benefits, you can insure your entire trip, including your flight. for example, if you are injured during your trip, comprehensive travel insurance may provide reimbursement for covered medical expenses up to the plan limit, as well as coverage for transportation to another hospital if the nearest one does not have adequate facilities to treat your condition, at the discretion of the insurance company and the treating physician. all comprehensive plans also offer a 24-hour helpline for travelers.

travel insurance & drone interruptions

When it comes to compensation, travelers can request compensation from the airline if it was delayed or canceled due to a security threat, such as drones. however, in the case of these types of outages, the closure is often outside the control of the airlines and no compensation is required.

Travellers who have purchased travel insurance can also file a claim for compensation if a delay causes additional expenses, such as a hotel stay. It is not yet clear how some travel insurance companies can process claims related to these types of events. however, most companies offer travel delay coverage for any public transportation delays. some specific plans will also cover a trip cancellation in this scenario, as long as the reason for the airport closure is due to a documented security breach.

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