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Questions about travel insurance

Discussion in 'Insurance' started by bhampatty, Jan 5, 2018.

  1. bhampatty

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    My daughter and I plan to go to San Francisco in July for the World Rugby Cup. My question is about insuring the trip and the timing, because we might buy tickets soon, but wait to get airline tickets and a hotel until a little closer. Will an insurance policy allow you to add to what needs to be insured, such as later bookings, whether it be hotel or maybe a tour we prepay for? Will insurance cover the airline tickets if they are paid for with credit card points, but the credit card company actually buys them for cash? (We redeem the points, they send money for the tickets).
     
    #1
  2. Neil

    Neil Moderator
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    It depends on the coverage you need. If you need coverage for pre-existing medical conditions or cancel for any reason, most policies require purchase within a certain time frame of purchasing your first component and yes, you can add more on as you buy the rest of your components.

    Other policies you can purchase after you have bought the entire package.

    It’s important to read the policy and all the insurance company you are considering and to find out their policy.

    Glad you are considering insurance and you’ve asked a great question.
     
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    jsn55, John Galbraith, Patina and 2 others like this.
  3. VoR61

    Advocate

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    Do you know, @Neil the answer to the question above: "Will insurance cover the airline tickets if they are paid for with credit card points, but the credit card company actually buys them for cash?"

    I'm not familiar with that scenario for insurance ...
     
    #3
  4. Neil

    Neil Moderator
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    No- points are never covered because they have no dollar value.

    What you should do is cover the amount it would cost to redeposit the points in your account, many policies cover up to a certain dollar amount to redeposit them.
     
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  5. jsn55

    Staff Member Advocate

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    How refreshing to be able to answer questions during the PLANNING stages of a trip instead of after an error is made!

    When it comes to insuring award plane tix, you need to look at the big picture if something awful happens and you can't make the trip. The insurance should 'make you whole' which means that you'd be reimbursed for whatever you actually lose.

    With a cash tix, you'd generally be reimbursed for the cancel/change fee and have the rest of the funds applied to a future flight. With award tix obtained from an entity that purchases those tix, essentially exchanging your points for cash, you probably won't be able to redeposit your points at all; they will have no value. There are probably a thousand variables. Best thing to do is outline all your expenses, then use a broker to recommend the best policy for your needs.
     
    #5
    VoR61 likes this.

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