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Cathay pacific travel insurance.

When you’re planning your dream vacation, the last thing you want to think about is something going wrong. But sometimes, unexpected things happen, and that’s where travel insurance comes in. Cathay Pacific, one of the world’s leading airlines, offers travel insurance to help protect you and your trip. In this article, we’ll go over everything you need to know about Cathay Pacific travel insurance, so you can travel with peace of mind.

What is Cathay Pacific Travel Insurance?

Cathay Pacific travel insurance is a protection plan that covers you in the event of unexpected travel disruptions, such as trip cancellations, lost or delayed baggage, medical emergencies, and more. By purchasing travel insurance, you can have peace of mind knowing that if something goes wrong during your trip, you won’t be left with all the financial burden.

What Does Cathay Pacific Travel Insurance Cover?

Cathay Pacific travel insurance offers several different types of coverage, including:

How Much Does Cathay Pacific Travel Insurance Cost?

The cost of Cathay Pacific travel insurance varies based on the coverage you choose and the length of your trip. Generally, travel insurance costs about 4-10% of your total trip cost. For example, if your trip costs $3,000, you can expect to pay anywhere from $120 to $300 for travel insurance.

How Do I Purchase Cathay Pacific Travel Insurance?

You can purchase Cathay Pacific travel insurance when you book your flight on the Cathay Pacific website. Simply select the “add-ons” section during the booking process and choose the coverage that best suits your needs. You can also purchase travel insurance directly from Cathay Pacific’s travel insurance provider, Allianz Global Assistance.

What if I Need to Cancel My Trip?

If you need to cancel your trip for a covered reason, such as illness or a family emergency, Cathay Pacific travel insurance will reimburse you for your non-refundable expenses, up to the coverage limit you selected.

What if My Baggage is Delayed, Lost, or Damaged?

If your baggage is delayed, lost, or damaged during your trip, Cathay Pacific travel insurance will reimburse you for your expenses, up to the coverage limit you selected.

What if I Have a Medical Emergency While Traveling?

If you have a medical emergency while traveling, Cathay Pacific travel insurance will cover your medical expenses, including hospital stays, doctor visits, and emergency medical evacuation, up to the coverage limit you selected.

What if My Flight is Delayed?

If your flight is delayed for a covered reason, such as weather or mechanical issues, Cathay Pacific travel insurance will reimburse you for your expenses, such as hotel rooms and meals, up to the coverage limit you selected.

What if I Need to File a Claim?

If you need to file a claim, you can do so directly through Cathay Pacific’s travel insurance provider, Allianz Global Assistance. You’ll need to provide documentation of your expenses and the reason for your claim.

Travel insurance is an important consideration when planning your next trip, and Cathay Pacific travel insurance offers a variety of coverage options to help protect you and your investment. By understanding what is covered, how much it costs, and how to purchase it, you can travel with peace of mind knowing that you’re covered in case anything goes wrong.

Please note that the application service will be temporarily unavailable from 2:00AM to 6:00AM on 8 September 2024 for maintenance works. 

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Cathay Pacific is the world’s fifth largest airline and travels to more than 190 destinations. It is also the world’s largest international cargo airline with its main hub in Hong Kong.

Travel Insurance is not offered when booking flights with Cathay out of the USA, which is great news for customers. Travelers can look at the entire trip insurance market to get the best rates and coverage.

Those of us who fly within the USA know that most airlines will offer flight insurance at checkout. However, the airline travel insurance offered is often of limited value and can be expensive compared to travel insurance offered in the open marketplace. So, the fact that Cathay Pacific does not market ‘Cathay Pacific Travel Insurance’ is terrific. Customers can now choose – we’ll show you how.

But first, let’s book a sample trip on Cathay Pacific.

Cathay Pacific – Site Layout

The booking screens are fairly intuitive and have a lot of initial options to be selected.

The system defaults to Economy Fare for 1 Adult. The pulldown allows you to choose your fare and select the number of travelers by ages.

Unfortunately, not all fares can be shown at one time. You have to select either Economy, Premium Economy, Business or First class. Economy - will show Economy and Premium Economy, Premium Economy - will show Premium Economy and Business, or Business –will show Business and First Class. If you opt for a different fare class, you have to start all over at the homepage and begin again.

Our Sample Trip – Seattle to Hong Kong

For our sample trip, we have two 72-year-old travelers traveling from Seattle to Hong Kong November 13, through November 30. The following are the various fare prices our travelers can choose from:

Economy Pricing:

Options for Economy Fares:

Premium Economy Pricing showing Premium Economy and Business Class:

Business Class Pricing showing Business and First Class (if available):

The biggest difference in the Economy and Business fares is how much you’ll need to pay if you cancel, change your flight, or don’t show up. The difference in premium between Lite and Essential is nearly $100 simply to save $50 in penalty fee costs if we need to cancel, change the flight, or don’t show up. The difference between Flex and Essential is a bit over $100 to save $150 in penalty costs.

What does a customer get for the extra cost by choosing a higher-price fare? Not much. Re-booking and Cancellation fees are less expensive. A few more ‘Asia Miles’ to add to our account. But really, that is it.

We will show a little later why we never book Refundable seats, and also how to insure non-refundable risk away.

Since we’d have to pay penalty fees with any fare except First Class, we opted for Economy as the pricing difference between Economy and the other fares didn’t make them worthwhile and seat selection would be the same.

Once we choose the flights, we have the option to choose seats. For flights with select seating available, we will pay $48 for a window seat, $45 for a middle seat and $51 for an aisle seat.

After choosing seats, increasing our cost by $186, and adding the fuel surcharge and fees of $760.80, our final cost is $3,777.36:

So now we have our final price. Let’s shop for insurance for our trip.

Travel Insurance – Compare and Save

We explained that Cathay Pacific Travel Insurance is not available when we buy our ticket online. So, let’s shop around. At TravelDefenders that is exactly what we do for you. We get binding insurance quotes, anonymously, from all our major travel insurance carriers and provide them to you within seconds.

Inputting our trip details and our total premium for the trip into the TravelDefenders quote system, we’re presented with 15 quotes to review.

For travel to Asia and Australia/New Zealand or beyond, TravelDefenders recommends having a minimum of $100,000 of medical coverage and a minimum of $500,000 of medical evacuation coverage.

The least expensive plan on our list that has adequate medical coverage is the AIG Travel Guard Plus plan. This plan provides $100,000 of medical coverage per traveler and $1 million of medical evacuation coverage per traveler. It will also waive any pre-existing medical conditions if the policy is purchased within 21 days of the initial trip payment or deposit date. The total cost for both travelers combined is $349.40.

Should we need to cancel our trip due to an illness, injury or other reason listed in the policy, we would receive a 100% refund of our non-refundable trip costs, including non-refundable airline tickets! We can also cancel and receive a 100% refund if we are employed, and our employer rescinds our vacation.

But what if we want maximum flexibility to cancel for any reason whatsoever? If available, we can opt for a Cancel For Any Reason (CFAR) policy.

Cancel for Any Reason (CFAR) Travel Insurance

Some people prefer to have a policy in place that provides  Cancel for Any Reason  coverage.

This is a super-powerful benefit that does exactly what it says. A traveler needs to have no reason at all to cancel and still receive a significant refund. The policies that provide this benefit rebate at 50% - 75% depending on the policy selected.

The use of Cancel for Any Reason insurance to lower ticket prices has been described as the  Airline Ticket Hack . Refundable benefits, yet with Non-Refundable ticket costs. For this reason, we rarely recommend booking a Refundable seat. We see little point in spending hundreds or even thousands more for a refundable seat when we can cover most of our needs with low-cost trip insurance.

The  Travel Insured International Worldwide Trip Protector Plus  (CFAR 75%) is the least expensive Cancel For Any Reason policy that provides the maximum 75% refund if we cancel for a reason NOT listed in the policy. Benefits are similar to the AIG Travel Guard Plus policy, providing $100,000 of medical coverage, $1 million of medical evacuation coverage, and waiving pre-existing medical conditions if purchased within 21 days of the initial trip payment or deposit date. The total cost for both travelers combined is $530.00.

TravelDefenders – One Site – Many Carriers

We love Amazon and are fans of Expedia. Comparison-shopping is simple. Sites like  TravelDefenders  do the same for travel insurance. Would you like to visit each travel insurance carrier directly? Of course not. Take the Amazon-like travel insurance experience at TravelDefenders.

When buying trip insurance, which policy should you choose? That’s the beauty of insurance comparison – you get to see all the best prices in the market.

Does TravelDefenders charge More?

Take a look at the article Travel Insurance Comparison  – Will I Pay More Buying Travel Insurance from a Comparison Website? You won’t find the same trip insurance plans available at a better price – price certainty is guaranteed as a result of anti-discriminatory insurance law in the US. This is really powerful consumer protection.

A travel insurance marketplace like  TravelDefenders  will offer a multitude of different plans from some of the most respected travel insurance carriers in the country. You will only need a few minutes to check value for money, cover, and insurance carrier ratings.

So, next time you travel on Cathay Pacific, be sure to pack your travel insurance.

Safe travels!

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

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Appreciated the explanations Shauna provided. Made the process very simple.

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Cathay Pacific Flights Are Now Bookable on American’s Website

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It's now possible to book Cathay Pacific award flights directly on American Airlines' website. Previously, if you wanted to book a flight on Cathay Pacific using American Airlines AAdvantage miles, you had to call American Airlines customer service.

What this means for flyers

The addition of Cathay Pacific flight awards to American’s search engine is a great development for flyers, as it should make it easier to see at a glance when award space is available. One potential drawback is that this likely means increased competition for award space.

Cathay Pacific is well regarded for its service, especially if you’re traveling between the U.S. and Asia.

Earning miles with American Airlines

It’s fairly easy to earn miles with American Airlines, which flies to nearly 350 destinations in 50 countries. American and Cathay Pacific are both part of the Oneworld alliance, which includes 13 member airlines that collectively fly to 1,000 destinations in 60 countries. Each time you fly with any partner airline, simply input your AAdvantage number into your reservation on the partner airline’s website to ensure you earn American miles for the flight.

Another way to earn miles with American is to sign up for a co-branded credit card. If you need help deciding which American credit card is best for you, check out NerdWallet’s handy guide to American Airlines credit cards .

» Learn more: American Airlines AAdvantage program: The complete guide

Cathay Pacific basics

Cathay Pacific is the flagship carrier of Hong Kong, flying to over 80 global destinations in 30 countries. Its affiliate Cathay Dragon reaches over 50 destinations in Asia, with 24 of those destinations in mainland China. Cathay Pacific (and its subsidiary, Cathay Dragon) are both part of Oneworld.

Cathay Pacific is known for its outstanding service and its particularly impressive business. Particularly given the long flight distances between the continental U.S. and Asia, flying on Cathay Pacific is a great experience.

A popular way to fly Cathay Pacific from the U.S. to Asia on an award ticket is to use Alaska miles, because this is the cheapest option. However, if you don’t have miles with Alaska, it’s great to know that you could now easily redeem your AA miles for the flight.

» Learn More: Find the best airline credit card for you

How to search for awards

Although the AA website is decent for searching award availability, it was always frustrating when the Oneworld carriers you wanted to fly (e.g., Cathay Pacific) weren’t showing up on the website. Thankfully, AA has been making some adjustments to its website. Earlier in 2019, for example, American Airlines added Etihad and Japan Airlines to its award search functionality.

However, positives don’t come without negatives. Recently, AA redesigned its award search tool making the process a bit more frustrating by taking away the ability to filter by airlines on the results page.

To get around the redesigned results page and easily book Cathay awards, go back to the original screen and click on “Advanced / Multi-city search,” which will bring you to the advanced booking page.

Once you’ve clicked “Search,” on the next page, ensure that the same airports and dates are selected and click “Search” again at the bottom of the page.

You will then see the AA’s former award search calendar, from which you can choose the date you’re looking for.

We selected Oct. 22, 2019, and the following results came up:

As seen above, there are several economy awards available with Cathay on this date for 37,500 miles. Cathay flights start with the code CX and are listed first because they are nonstop routes (and the shortest).

You can easily filter by the airlines and airports you’d like to see on this results page. If you select any of the Cathay flights and go to the next page, you will see the price in miles along with any taxes and carrier surcharges.

For this example, we selected Cathay flight 841 leaving New York-JFK at 10 a.m. and arriving in Hong Kong at 2 p.m., at a cost of 37,500 miles plus $5.60 in taxes and fees. (One of the benefits of booking with American is that it typically does not add any carrier surcharges on Cathay flights).

Other ways to book Cathay flights

With that said, a more popular (and cheaper) way to book flights on Cathay is still through Alaska Airlines, which requires fewer miles.

Here, we’ve compared the miles needed for an award ticket from JFK to Hong Kong, just like the one selected above. You can see that Alaska requires significantly fewer miles than Cathay or American in every cabin class.

Cathay’s award chart is distance-based, so its flight awards are best used on short distance flights where mile prices will be cheaper. Alaska requires fewer miles, but its flight awards are not bookable online — you will have to call customer service to complete the booking.

If the difference in award miles between Alaska and American seems too high to bear and you’d rather accrue some Alaska miles, considering getting an Alaska Airlines Visa Signature® credit card .

It’s great to see American Airlines making positive changes to its award search tool. Including Cathay Pacific flight awards in its online search engine will make it much easier for travelers to book award flights. Though increased access to award space could result in a reduction in availability, this just means more people will get a chance to enjoy Cathay Pacific flights.

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