Jane Dotson
If you're looking to insure a flight ticket on United, you have a few options. United offers its own travel insurance, United Travel Guard Insurance, which includes the Domestic Air Ticket plan and the International Air Ticket plan. The coverage for both policies is similar, but the international travel plan includes emergency medical and higher limits for issues with luggage. You can also purchase travel insurance from a third-party company, which may offer more comprehensive coverage. This insurance can be added to a ticket you've already purchased by logging into your United account or searching for your trip using your booking code and name. It's important to note that flight insurance covers non-refundable airfare in the case of unexpected circumstances, such as delays and cancellations, but it may not be necessary if you can get a refund through the airline or your credit card company.
| Characteristics | Values |
|---|---|
| Insurance Provider | United Travel Guard |
| Insurance Type | Standard travel insurance |
| Coverage | Travel interruption, travel delay, emergency medical, luggage issues |
| Coverage for Pre-Existing Conditions | Yes, if purchased when booking ticket |
| Customization | Limited |
| Supplemental Coverage | Not allowed |
| Flat Rate Benefit | Yes |
| Trip Cancellation Coverage | Yes, but COVID-19 is excluded |
| Quote | Depends on the flight |
| Purchase Process | During checkout, after selecting flight and inputting personal information |
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What You'll Learn
- United's insurance page: You can select whether to purchase insurance during the checkout process
- Coverage: The insurance covers pre-existing conditions, trip interruption, and trip delay
- International travel: The International Air Ticket plan includes emergency medical and higher baggage limits
- Exclusions: United's insurance doesn't cover trip cancellation, interruption, or delay due to COVID-19
- Alternatives: Comprehensive travel insurance policies from third-party providers may offer more coverage
United's insurance page: You can select whether to purchase insurance during the checkout process
When booking a flight with United Airlines, you will first need to select a flight that suits your needs. After this, you will begin the checkout process, where you will be asked to input your personal information, such as your name and date of birth. United will then prompt you to select any extras, such as purchasing Wi-Fi or choosing your seat.
Once you have completed this step, you will be directed to the United insurance page. Here, you will be given the option to select whether or not you would like to purchase travel insurance. United offers two types of travel insurance plans: the Domestic Air Ticket plan and the International Air Ticket plan. The coverage provided by these plans is similar, but the International Air Ticket plan includes emergency medical coverage and higher limits for issues with luggage.
United's travel insurance includes coverage for pre-existing conditions if you purchase a policy when booking your ticket. However, it is important to note that this insurance is not comprehensive, and other plans may offer more customization. For example, United's plans do not allow you to add supplemental coverage, such as Cancel For Any Reason (CFAR) insurance or flight accidental death and dismemberment (AD&D) coverage. Additionally, United's website specifically mentions that COVID-19 is a foreseen event, and trip cancellation, interruption, or delay due to quarantine will not be covered.
If you choose to purchase United's travel insurance, the cost of the insurance will be included in your payment, and your ticket will be issued. It is also possible to add United's insurance to a ticket you have already purchased by logging into your account or searching for your trip using your booking code and name.
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Coverage: The insurance covers pre-existing conditions, trip interruption, and trip delay
United Airlines offers travel insurance that covers pre-existing conditions, trip interruption, and trip delays. This insurance provides comprehensive coverage for travellers, ensuring peace of mind during their journey.
In the event of a trip interruption or delay, the insurance offers reimbursement for various expenses. For instance, if your trip is delayed by more than 12 hours or requires an unexpected overnight stay, you are eligible for reimbursement of unreimbursed expenses, such as meals and lodging, up to $500 per covered traveller. This coverage ensures that you are not burdened with additional costs due to unforeseen delays.
The insurance also provides coverage for pre-paid, non-refundable passenger fares if your trip is cancelled or cut short due to sickness, severe weather, or other covered situations. In this case, you can be reimbursed up to $1,500 per covered traveller and $6,000 per trip, allowing you to recover your financial losses in such situations.
Additionally, the travel insurance offered by United Airlines includes coverage for pre-existing conditions. This means that if you have a medical condition that was present before your trip and it affects your travel plans, you may be eligible for reimbursement or assistance. This aspect of the coverage ensures that travellers with pre-existing health concerns can travel with added security and peace of mind.
By offering coverage for pre-existing conditions, trip interruption, and trip delays, United Airlines' travel insurance provides a comprehensive safety net for travellers, protecting them from financial losses and providing assistance in case of unexpected events or medical emergencies during their journey.
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International travel: The International Air Ticket plan includes emergency medical and higher baggage limits
United Airlines allows 1 carry-on bag and 1 personal item per passenger free of charge. The carry-on bag should not exceed 45 linear inches (22 x 14 x 9 in) or 115 centimeters (56 x 36 x 23 cm) including handles and wheels, and must fit in the overhead bin or under the seat in front of you. The personal item should not exceed 36 linear inches (16 x 11 x 8 in) or 89 centimeters (41 x 28 x 20 cm) and must also fit in the overhead bin or under the seat. It's important to note that items such as jackets, umbrellas, diaper bags, duty-free items, and assistive devices do not count towards your carry-on allowance.
For checked baggage, United Airlines' standard fees for international flights are $0 for the first bag and $100 for the second. However, for International Basic Economy, the fees are $60 for the first bag and $100 for the second. It's worth noting that some routes allow two checked bags as standard. For the third bag and additional bags, the fees start at $150, depending on the route. United Airlines recommends using their \"Baggage Calculator\" on their website to determine the exact amount per route.
Additionally, there are specific considerations for sports equipment. Fees for larger sports equipment start at $150, and you can refer to the sports equipment section of the baggage information page on their website for detailed information. United Airlines also allows portable electronic personal ventilators, respirators, and continuous positive airway pressure (CPAP) machines on board if they meet applicable FAA requirements. However, a 48-hour minimum advance notification to the Accessibility Desk is required for customers using these devices.
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Exclusions: United's insurance doesn't cover trip cancellation, interruption, or delay due to COVID-19
United Airlines offers travel insurance benefits underwritten by Arch Insurance Company. However, it is important to note that their insurance does not cover trip cancellation, interruption, or delay due to COVID-19. This means that if your trip is cancelled or delayed by United Airlines due to COVID-19, you will not be reimbursed for any expenses incurred.
The exclusion of COVID-19-related trip cancellations and interruptions is a standard exclusion in many travel insurance policies, and it is important for travellers to carefully review the terms and conditions of their insurance plans. In the case of United's insurance, this exclusion is specifically stated in their policy.
While United's insurance does not cover COVID-19-related trip cancellations or interruptions, it is important to note that there may be other coverage options available. Some travel insurance companies offer comprehensive packages that include COVID-19-related expenses and illnesses. These packages may provide coverage for medical and hospitalisation expenses, transportation costs, and even trip cancellation fees.
Additionally, some cruise lines are starting to include COVID-19 insurance as a complimentary or optional extra for their passengers. This type of insurance typically covers COVID-19-related expenses, such as medical costs and transportation to the nearest hospital. However, it is important to carefully review the terms and conditions of these policies, as some may exclude coverage for cruise travel itself.
In summary, while United's insurance does not cover trip cancellation, interruption, or delay due to COVID-19, there may be other options available for travellers seeking this type of coverage. It is always important to carefully review the terms and conditions of any insurance policy before purchasing, to ensure that you understand what is and is not covered.
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Alternatives: Comprehensive travel insurance policies from third-party providers may offer more coverage
When it comes to travel insurance, it is always a good idea to explore the various options available to you. While United may offer some level of insurance for your flight ticket, opting for a comprehensive travel insurance policy from a third-party provider can provide you with more extensive coverage and benefits. These third-party policies can offer a wider range of features, ensuring that you are well-protected during your trip.
For instance, Travelex, Nationwide, and Seven Corners are renowned for their travel insurance offerings. These companies often provide a range of plans to cater to different needs and budgets. For example, Nationwide's Cruise Luxury policy includes $250,000 in medical expense coverage per person and impressive evacuation benefits, with $1 million for medical evacuations and $25,000 for non-medical evacuations. It also offers a "cancel for any reason" upgrade with a 75% reimbursement and an "interruption for any reason" option with up to $1,000 per person.
Another notable option is the TripProtector Preferred policy, which provides primary travel medical insurance coverage of $500,000 per person. It also includes a pre-existing medical condition exclusion waiver and exceptional medical evacuation benefits. However, it does not offer non-medical evacuation or "interruption for any reason" coverage.
If you're looking for specialized coverage, Berkshire Hathaway Travel Protection offers a range of plans, including road trip, adventure travel, cruise insurance, and their ExactCare single-trip plans. Their LuxuryCare single-trip policy stands out for its comprehensive coverage, including trip cancellation coverage worth up to 100% of the trip cost.
Additionally, WorldTrips is an excellent choice for those concerned about lost or stolen baggage. Their Atlas Journey Elevate plan offers up to $500 per item ($2,500 total) in luggage coverage and is highly rated on Trustpilot and Squaremoth.
Remember, when considering alternatives, always review the specific terms, conditions, and exclusions of each policy to ensure it aligns with your unique needs and provides the level of coverage you require for your trip.
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Frequently asked questions
You can select whether or not to purchase insurance during the checkout process when buying your ticket. You can also add insurance to a ticket you've already purchased by logging into your account or searching for your trip using your booking code and name.
United's travel insurance includes coverage for pre-existing conditions if you purchase a policy when booking your ticket. However, it does not include comprehensive coverage, and you cannot add supplemental coverage such as rental car insurance or flight accidental death and dismemberment (AD&D) coverage. United's website specifically mentions that trip cancellation, trip interruption, and trip delay due to quarantine will not be covered.
The cost of United's travel insurance depends on the flight. For example, the insurance premium for a one-way economy class flight from San Diego to Newark, New Jersey, was quoted at $60.46, while a one-way economy class flight from London-Heathrow to Boston was quoted at $117.77.
Yes, you can purchase a comprehensive travel insurance policy from a travel insurance company or your credit card company, which may offer benefits such as trip interruption, trip cancellation, trip and baggage delay coverage, and travel medical insurance for international trips.
