Do you know if any type of travel insurance coverage is included with your credit card? How about your domestic health care policy? Maybe your homeowner's plan? Medicare?

Travel insurance is designed to provide coverage where none exists, or at least fill in gaps that exist in other types of insurance programs. Review your personal credit card, health, homeowner’s and other insurance programs that you already own to make an informed decision about the purchase of travel insurance.

Check your other insurance carefully to understand what benefits are offered with your credit card and how those benefits are activated. Airlines, cruise lines, hotels, tour operators can sometimes have cancellation penalties. A discussion with your travel agent can help you become aware of travel exposures should the unexpected happen.

Protect your financial investment with an iTravelInsured plan.

Travel insurance can provide coverage for cancelled flights, but it often depends on the specific policy and the circumstances surrounding the cancellation. Here are some key points to consider:

1. Reasons for Cancellation: Many travel insurance policies cover cancellations due to specific, unforeseen events such as illness, injury, death of a family member, natural disasters, or other emergencies. If your flight is cancelled due to these reasons, the insurance may reimburse you for prepaid travel expenses.
2. Airline-Caused Cancellations: If your flight is cancelled by the airline due to operational issues (e.g., mechanical problems, staffing shortages), travel insurance typically does not cover these situations. Instead, you would generally need to work directly with the airline for a refund or rebooking.
3. Cancel for Any Reason (CFAR): Some travel insurance policies offer a "Cancel for Any Reason" upgrade, which allows you to cancel your trip for reasons not covered by standard policies. However, this generally comes with specific conditions, such as cancellation within a certain timeframe before your trip.
4. Trip Interruption Coverage: Some policies also cover trip interruption, which can apply if you need to cancel or cut your trip short due to an emergency, including a cancelled flight when it leads to additional expenses.
5. Policy Exclusions: Always read the policy's fine print to understand exclusions and limitations. Events such as pandemics or work-related issues may not be covered.

Before purchasing any travel insurance, be sure to thoroughly review the policy details, coverage limits, and exclusions to ensure it meets your needs.

To determine if flight insurance is worth it for you, consider your travel plans, the total cost of your trip, your personal health, your ability to absorb potential losses, and whether you can get coverage through existing means. If your trip involves significant investments (like expensive bookings or planned activities), or if you’re traveling to an area with high medical costs, flight insurance may be a wise investment. Always read the policy details carefully to understand what is and isn’t covered.

The perils protected against are listed in your plan document. These perils are similar (but not identical) to the trip cancellation perils except they provide coverage once you depart for your covered trip. The insured can be reimbursed for unused, non-refundable travel arrangements plus additional transportation costs paid to join/re-join your interrupted trip or be transported back to your originally scheduled return destination.

Coverage begins at 12:01 a.m. on the day after the date the appropriate payment for this plan is received. This is your “Effective Date” and begins the trip cancellation benefits. Most other coverages begin when you depart on the first travel arrangement for your trip.

To be eligible for trip cancellation reimbursement, you must cancel your trip due to one of the reasons covered in your plan. Additional terms apply. You may add Cancel for Any Reason coverage to our LX plan. This allows you to cancel for any reason not otherwise covered by your plan and receive a partial refund. Additional cost and terms apply. Not available in NY.**