(Closed) Do we need travel protection insurance for our plane tickets??

posted 6 years ago in Travel
Post # 3
Member
3886 posts
Honey bee
  • Wedding: September 2011

Sometimes it is worth it, but in my experience, it usually isn’t.  There are a LOT of restrictions on when the insurance company will honor the claim, and it’s not usually as straightforward as covering cancellation for any reason; usually there’s a list of reasons they’ll cover, stuff like severe illness (requires doctor’s note and often excludes “pre-existing conditions” like they’d cover you if you were diagnosed with cancer for the first time but not if your cancer had gone into remission then relapsed), unemployment, natural disaster, etc.  Plus they tend to have pretty low limits on reimbursement for hotels if there’s weather delays– generally $100 cap per night and 3 night maximum, and I’ve been hard pressed to find a decent hotel near an airport for $100 a night.

But read the fine print anyway and if it seems to offer a good amount of protection, reimburses for purchases made when your bags go missing, and covers meals and hotels with a reasonable limit, and doesn’t place too many restrictions on the cancellations, it might be money well spent.  When my bags went missing for 3 days en route to Grand Cayman, I was out over $400 just to buy 2 outfits, a bathing suit and some toiletries, and AA only gave me $100 compensation.

Post # 4
Hostess
18643 posts
Honey Beekeeper
  • Wedding: June 2009

We have only ever had to use it once.  We were planning a out of country trip after my graduation and I got sick so we were able to move the tickets and use them later.  I’m not sure if they are worth it all the time though.

Post # 5
Member
3569 posts
Sugar bee
  • Wedding: April 2013

Out of my 3 out-of-the-country trips, I’ve had to use travel insurance TWICE! Thank god we had it, we would of lost out on a ton of money! (we had to cancel  & rebook 2 trips) You never know what’s going to happen.. what’s an extra $40?! I would recommend it.. we will definitely get travel insurance when we book our Honeymoon.

Post # 6
Member
746 posts
Busy bee

Depending on the company that you are using, it is usually worth it.  A lot of the trips that we have booked include cancel-for-any-reason trip insurance.  So if a hurricane is coming, someone gets sick, changes their mind, or has a job loss, they can cancel (up to a couple of hours prior to departure) & get all of their money back.  It also includes medical coverage, b/c most of our health insurance policies don’t cover us once we travel outside of the US.  This all varies depending on the company that you book through, so make sure that you read the fine print.  Last summer we had a bride who lost her job a month before the wedding &, subsequently, was unable to take her $12,000 honeymoon to Tahiti (since she had wedding bills to pay, mortgage payments, etc.).  B/c she had the right insurance, she got all of her money back (not vouchers for future travel) and was only out about $350 vs. the original $12,000 that they spent on the trip b/c when she was laid-off, they were in a 100% cancellation period for everything.

Post # 7
Member
3081 posts
Sugar bee
  • Wedding: August 2012

So it depends on where you are going. It might not be worth it to purchase from the airline itself, but rather you could purchase a comprehensive travel insurance plan that has plane ticket refunds built in (along with lost luggage reimbursement, medical, life insurance, etc.). More expensive than $40 but so worth it in many circumstances, particularly for the honeymoon. 

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