Alyssa Lane
Flight insurance is a worthwhile investment if you want protection against unexpected travel disruptions such as delays and cancellations. It covers non-refundable airfare and can be purchased directly from airlines or travel insurance companies. United Airlines, for instance, offers Travel Protection Plus, which includes benefits like cancellation or changes for any reason, price guarantees, hurricane travel credits, and post-departure insurance. The cost of flight insurance varies depending on the policy's comprehensiveness and where it is purchased. It's important to consider your specific needs and compare different options before purchasing flight insurance.
| Characteristics | Values |
|---|---|
| What is covered? | Non-refundable airfare, trip cancellation, trip interruption, theft, damage, towing charges, administrative fees, baggage delay, lost luggage, travel delay, medical expenses, medical evacuation |
| Cost | Varies depending on the type of policy and where it is bought from. For example, an AIG Travel Guard international policy sold by United Airlines costs $189 for a 17-day trip for two travelers age 40, while a Travel Guard Preferred policy from AIG for the same trip and travelers with a total trip cost of $6,000 is about $431. |
| Who is it available to? | Available to residents of the U.S. but may not be available in all jurisdictions. |
| Where to buy | Direct from a travel insurance company, through the airline when booking your trip, or from a travel provider after booking your trip. |
| Supporting documents needed | Completed and signed claim form, travel itinerary, written confirmation of the claim filed with the travel provider, credit card account statement reflecting the travel charge, settlement or denial from the travel provider, receipts for purchases of essential items, and other necessary documentation. |
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What You'll Learn
United's Travel Protection Plus
With Travel Protection Plus, you can cancel or change your vacation at any time before departure without costly revision fees. This includes non-refundable airfares booked through United Vacations, although non-refundable hotel rates are not included. You will receive a full refund for your vacation, less the cost of the Travel Protection plan. Reimbursement will be in the form of travel credit or a refund to the original form of payment.
The plan also includes a Price Guarantee, which ensures that if the price of your vacation drops after booking, United Vacations will adjust the reservation to the lower price. This applies to vacations in Africa, Asia, Australia, the Caribbean, Central America, Europe, Hawaii, Mexico, South America, and the South Pacific.
Additionally, if your trip is interrupted for 24 hours or more due to a Category One or greater hurricane, you will receive a refund for unused or interrupted vacation nights, as well as a "Fresh Start" certificate worth $25 per person for a future vacation.
There are certain restrictions, exclusions, and limitations that apply to all insurance coverages, and plan benefits, limits, and provisions may vary by state jurisdiction.
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United credit card travel insurance
If you're looking for travel insurance, you may not need to purchase a standalone policy. Many credit cards offer travel insurance benefits, which can include trip cancellation, trip interruption, and car rental loss and damage insurance.
The New United℠ Explorer Card is one such card that offers travel insurance protections. These include primary auto rental collision damage coverage, baggage delay insurance, lost luggage reimbursement, trip delay reimbursement, and trip cancellation/interruption insurance. To be eligible for these benefits, you must pay for your travel with The New United℠ Explorer Card.
The card provides reimbursement for trip cancellations or interruptions due to covered reasons, including sickness or severe weather. The coverage is up to $1,500 per person and $6,000 per trip for prepaid, non-refundable fares. Additionally, if your trip is delayed by more than 12 hours or requires an overnight stay, you and your immediate family members travelling with you can receive reimbursement for unexpected expenses such as lodging and meals, up to a maximum coverage of $500 per ticket.
The New United℠ Explorer Card also offers auto rental collision damage coverage, which can save you money when renting a car. This coverage is primary, meaning it takes effect before any collision coverage under your personal auto insurance policy. The card will reimburse you for the cash value of the rental car in the event of theft or damage in the US and abroad. To be eligible, you must pay for the rental with the card and decline the rental company's collision coverage.
It's important to note that credit card travel insurance benefits may vary, and higher annual fee cards typically offer more coverage and higher coverage amounts. Be sure to consult your card's Guide to Benefits for specific details and exclusions.
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United's trip cancellation and interruption coverage
Trip Interruption coverage reimburses you for unused hotel arrangements and additional transportation costs if you are unable to travel due to unforeseen circumstances. This includes illness or injury to yourself, a family member, or travelling companion, jury duty, or a traffic accident en route to the airport.
You can also be reimbursed for reasonable expenses like meals, lodging, and local transportation costs if you are delayed by 6 or more hours due to covered events such as common carrier delays, lost or stolen passports, and other issues.
In the event that you miss a connecting or nonstop flight due to a common carrier cancellation or delay for covered reasons like weather, mechanical issues, or crew shortages, you can be reimbursed for unused land and cruise arrangements, booking alternative flights, and reasonable expenses for meals and lodging.
United also offers a Hurricane Travel Credit Plan, which provides reimbursement for unused or interrupted vacation nights and a $25 "Fresh Start" certificate per person for future vacations if your trip is interrupted for 24 hours or more due to a Category One or greater hurricane.
It is important to note that these plans are available to residents of the U.S., but may not be available in all jurisdictions, and certain conditions and exclusions apply. You should carefully review the terms and conditions of United's trip cancellation and interruption coverage to understand the specific benefits and limitations of the policy.
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Buying flight insurance from an airline
When booking a flight, you may be offered flight insurance by the airline. This is often through a partnership between the airline and a travel insurance company. Flight insurance covers financial losses caused by unexpected events, such as flight cancellations, delays, medical emergencies, and mishandled luggage. It is important to note that flight insurance does not cover voluntary changes to your plans, like cancelling a trip for a reason that is not listed in your policy.
Flight insurance is frequently offered for a nominal fee when booking airline flights, either directly from the airline or via a third-party site. Major airlines often partner with large travel insurance companies to offer basic trip protection to their customers. This coverage is often specific to your flight and is not intended to cover the entirety of your trip. For example, an AIG Travel Guard international policy sold by United Airlines for an economy class flight may provide lower coverage limits and higher premiums compared to a policy purchased directly from a travel insurance company.
When purchasing flight insurance from an airline, you may have limited options with little to no customization. The coverage is typically designed to protect you only during your flight and may not cover other aspects of your trip. On the other hand, a comprehensive travel insurance policy purchased from a travel insurance company can provide broader coverage for your entire trip, including medical emergencies, trip interruptions, and even adventure sports.
It is recommended to compare multiple providers and consider policies that go beyond your flight to ensure you get the best protection at a competitive price. The earlier you purchase travel insurance, the more coverage options you will have. Buying travel insurance early also allows you to qualify for time-sensitive benefits like pre-existing condition waivers and Cancel for Any Reason (CFAR) coverage. Remember to carefully review the policy's specific terms and conditions to understand what is covered and what is excluded.
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What flight insurance covers
United Airlines offers travel insurance that can be purchased alongside your airfare. The coverage of these plans varies depending on whether you are travelling domestically or internationally. However, United's travel insurance has generous policy limits and does not price maximums based on the cost of your trip. Instead, it offers a flat-rate benefit for trip interruption and trip delay.
United's travel insurance includes coverage for pre-existing medical conditions if the policy is purchased when booking your ticket. It also covers emergency medical expenses and higher limits for issues with luggage for international travel.
The Travel Protection Plus plan offers additional benefits, such as the ability to cancel or change your vacation for any reason, price guarantees, hurricane travel credits, and post-departure insurance. This plan provides reimbursement for travel delays, missed connections, emergency evacuations, and baggage loss or damage.
It's important to note that United's travel insurance does not include supplemental coverage options like Cancel For Any Reason (CFAR) insurance or flight accidental death and dismemberment (AD&D) coverage. Additionally, trip cancellation, interruption, or delay due to COVID-19 quarantine may not be covered.
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Frequently asked questions
United's flight insurance covers non-refundable airfare in the event of unexpected circumstances, such as delays, cancellations, and interruptions. It also provides medical expense coverage and medical evacuation coverage. Additionally, United offers travel protection benefits, including reimbursement for unused vacation nights and a "Fresh Start" certificate if your trip is interrupted due to a hurricane.
The cost of United's flight insurance can vary depending on the specific plan chosen and the details of the trip. For example, an AIG Travel Guard international policy sold by United Airlines for a 17-day trip for two travellers aged 40 costs $189. This particular plan provides $10,000 in medical expense coverage and $50,000 in medical evacuation coverage per person.
It is recommended to purchase United's flight insurance if you want protection against unforeseen events that may impact your travel plans. Consider whether you can afford to lose the money you paid for non-refundable expenses, such as airfare, accommodations, and prepaid excursions. Additionally, review the coverage provided by your existing insurance policies, such as health, life, home, or travel insurance offered by your credit card company.
To file a claim, you will need to provide various supporting documents, which may include a completed and signed claim form, travel itinerary, written confirmation of the claim filed with the travel provider, credit card account statement, receipts for purchases of essential items, and any other relevant documentation. Contact United directly for specific instructions and requirements, as the process may vary depending on the nature of the claim.
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