does travel insurance cover cancelled flights

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Travel Insurance for Flight Cancellations: 2024 Guide

See how much it would cost to protect your trip in the case of a canceled flight by clicking below.

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Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Taking off on a flight to your vacation destination is an exciting moment. But unforeseen circumstances can cause long delays and flight cancellations — and adventures cut short. That’s where travel insurance comes in. Travel insurance offers the assurance that you’ll get reimbursed for non-refundable travel costs from a travel insurance provider. Frequent or business travelers also benefit from this safety net for flight cancellations.

Flight insurance is usually sold as part of a comprehensive travel plan that includes trip interruption and trip cancellation coverage along with emergency medical insurance. Because most airlines aren’t required to compensate you for flight delays, trip delay travel protection helps you recoup losses for tours and accommodation.

We at the MarketWatch Guides Team outline below the benefits of comprehensive travel insurance to avoid travel expenses related to flight cancellations.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Understanding Travel Insurance Coverage for Real Scenarios

When you buy travel insurance, comprehensive plans typically reimburse you the costs of canceled and delayed flights through travel delay coverage and trip cancellation insurance. Depending on the plan you choose, you can get reimbursed full refunds or prepaid costs once you qualify during the claims process. Reimbursements may include the money you paid for extra accommodations and food.

Whether you buy flight insurance with your airfare from major airlines or through another travel supplier, flight cancellation protection is subject to limited circumstances. These may include:

• Bad weather or natural disasters that cause the airline to cancel flights
• Medical emergencies causing you to cancel flights
• The unexpected death or illness of a family member or travel companion
• Delays caused by missed flight connections

For more flexibility, consider CFAR — cancel for any reason coverage. It’s still subject to exclusions and conditions, such as the requirement to cancel within 48 hours of the departure date. But the reasons for canceling are at your discretion. About 75% of prepaid non-refundable trip expenses get reimbursed.

Will Travel Insurance Cover Airline Cancellation?

According to the U.S. Department of Transportation , if an airline cancels your flight or makes changes that cause significant delays, you’re entitled to a refund if you choose not to reschedule. But the definition of a “significant delay” gets decided on a case-by-case basis, and refunds aren’t guaranteed.

Travel insurance covers the specific emergency reasons outlined in your policy. Under trip delay, interruption or cancellation policies, other expenses are covered. For example, if inclement weather results in a canceled flight with a delay to reschedule, you may need to cancel a non-refundable excursion through a tour operator. Insurance benefits help recoup these financial losses.

Does Travel Insurance Cover Delayed Flights?

If your flight is delayed significantly, an airline may offer to refund your money under certain conditions. Travel insurance features trip cancellation and trip delay benefits to reimburse you for applicable expenses incurred. Costs might include transportation, food and accommodations while you wait for a rescheduled flight if the airline doesn’t come through with hotel and food vouchers.

As a general rule, trip delay benefits apply after a specifically defined length of time. For example, you might need to be delayed for at least five hours to qualify for reimbursement or extra transportation. Daily spending limits typically apply for additional expenses incurred.

Will Travel Insurance Cover Costs if I Need to Switch Flights?

Travel insurance for flight changes is also available. But most policies don’t cover you if you simply change your mind about a flight. Trip interruption and cancellation policies cover a range of unforeseen circumstances. For example, a trip cancellation claim may reimburse the difference in cost between a canceled flight and a more expensive alternative to get you to a destination on time.

Does Travel Insurance Cover If Connecting Flights Get Canceled?

If your connecting flights get canceled, the airline may offer you a refund or put you on another flight (likely the latter). Travel insurance reimburses you for non-refundable trip costs relating to trip interruptions or cancellations. If you miss a connecting flight for reasons listed in your policy, part of your prepaid trip expenses get reimbursed along with any extra expenses you incurred to get pushed forward on your trip or to get home.

Choosing the Right Travel Insurance Plan

The quality of travel insurance plans varies. That makes it important to compare as you shop. When selecting a plan for flight cancellations, choose one with competitive coverage for the following:

• Trip cancellation coverage : This policy can reimburse you for non-refundable, prepaid trip costs for trips canceled for reasons that are covered by your policy, such as the death of a family member or a medical emergency. Reimbursements include airline tickets, hotel rooms and tours. Coverage limits can range from $10,000 for basic plans up to $300,000 for premium plans.
• Trip delay coverage : If your flight gets delayed for reasons that are covered in your policy, such as severe weather or airline maintenance, your plan provides financial relief for expenses, such as alternative transportation, food and accommodations. Basic plans may have a $300 coverage limit and a daily spending limit of $150.
• Trip interruption coverage : You may need to cut your trip short because of an injury or an unexpected event. Trip interruption coverage may reimburse you for non-refundable expenses including prepaid airline tickets and accommodation. Coverage limits can range from $5,000 for basic plans to $300,000 for premium plans.

While it’s possible to buy basic travel insurance with trip cancellation policies only, most are comprehensive. They include emergency medical and baggage loss coverage. Upgrades for CFAR, pre-existing medical conditions and rental car coverage provide further protection.

Use the tool below to find and compare rates for plans with flight insurance to suit your travel requirements.

Making a Claim for Flight Cancellations

To file a claim, most travel insurance companies offer systems via websites, apps and customer support teams available by phone and email. For flight cancellations , claims are usually filed under trip cancellation, interruption or delay coverage. With each claim, you’re required to present supporting documentation highlighting reasons for cancellation. This may include:

• Proof of an emergency or incident, such as a doctor’s certificate or a police report
• Copies of itineraries for all trip components claimed, including flight bookings
• Receipts for expenses incurred because of flight delays, such as meals and accommodations

Insurance companies process claims to approve them for reimbursement. Once complete, most companies send a payment to your selected account ( credit card , bank, etc.).

Common Challenges Travelers Face

You can get confused reading travel insurance policies as you figure out what’s covered and what’s not. A common challenge travelers encounter is misunderstanding a policy’s terms and conditions. As a general rule, travel insurance covers losses from unforeseen circumstances.

With flights and trip cancellations, covered reasons include emergencies, such as unexpected natural disasters, the death of a family member or a serious illness or injury. Otherwise, any flight cancellation refunds fall to the discretion of the airline.

Tips To Minimize Flight Cancellations Risks

Unless you experience an unexpected emergency, it’s possible to minimize the risks of flight cancellations and enjoy smooth journeys. Reduce the likelihood of it happening to you with the tips below.

• Book flights that depart early in the morning. Statistically, they’re the least delayed and least canceled.
• Choose nonstop flights to eliminate the risk of missed or delayed connections.
• Pick airlines with multiple flights to your destination per day for easy rescheduling if necessary.
• Ensure your airline offers a suitable cancellation policy.
• Travel a day or two in advance of events or celebrations that you don’t want to miss
• Monitor the weather at home and at your intended destination to be forewarned of potential cancellations.
• Implement backup transport plans if possible, including driving routes, ferry and train timetables.

The Bottom Line

Travel is much more than a trip, it’s an investment. With so many things that can go wrong, it’s important to protect travel investments with comprehensive insurance for flight cancellations. Along with reimbursement for flights in emergencies, you’ll enjoy peace of mind knowing additional costs, such as hotel rooms and meals, are covered if your trip is delayed.

Frequently Asked Questions (FAQ)

What happens if my flight is canceled.

Your airline will put you on another flight or, in some cases, offer you a refund. Travel insurance protects with reimbursement for flights canceled via predetermined reasons covered by policies, along with additional expenses.

Do I need flight insurance?

We recommend flight insurance as a safety net for unexpected circumstances. These may include the death of a family member or a serious injury that results in canceling flights.

What does flight insurance normally cover?

As part of comprehensive travel insurance plans, flight insurance covers the cost of non-refundable, canceled flights subject to limited reasons. Most providers also offer coverage for flight delays and tours missed due to cancellations.

Does travel insurance cover hotel expenses if my flight is canceled?

Yes. Trip interruption and cancellation coverage provide reimbursement for hotel expenses, meals and alternative transport required due to canceled flights.

Methodology: Our System for Ranking the Best Travel Insurance Companies for Flight Cancellations

Our team created a comprehensive rating system to objectively compare and contrast each travel insurance company. We contacted each company over the phone and online, requested quotes, compared coverage options and costs, reviewed terms and conditions, and analyzed customer service both through our experience and by reading customer reviews.

Each company is scored in the following categories: number of plans, customization, coverage details, cancel for any reason coverage (CFAR) percentage, timeframe of delay coverage, coverage amount, customer service and support, and reputation.

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

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Thousands of flights are getting canceled this summer — here's how credit card travel insurance could help you

Credit card travel insurance can help offset the cost of a canceled flight. here's what you need to know..

Terms apply to American Express benefits and offers. Visit  americanexpress.com  to learn more.

Travel is returning this summer, but it hasn't been all smooth sailing for vacationers.

Commercial airlines were pushed to the brink of bankruptcy during the pandemic, and now they're confronting a myriad of issues, including both fuel and staffing shortages, as well as a lack of planes, which is making it hard for them to respond to the rising customer demand.

A combination of these issues led to thousands of Americans being stranded this past weekend, primarily American Airlines and Spirit Airlines passengers, when their flights were canceled or delayed. This snarl left many travelers in precarious situations, forced to foot the bill for hotels, meals and other incidental expenses.

A last-minute hotel room is costly, airport meals can be outrageously expensive and before you know it, travelers dealing with a delayed or canceled flight can find themselves spending hundreds of dollars they weren't planning to. However, the right travel credit card that includes some travel insurance can save you money on these unexpected expenses.

As long as you book your trip with a qualifying credit card and are able to show proof through receipts and travel itineraries, travel insurance programs offered by credit card issuers will reimburse consumers the costs that arise when they face delayed or canceled travel plans.

So before you panic the next time your flight gets canceled, Select is here to walk you through the different travel insurance policies that credit cards offer and how they work, plus the best credit cards offering these policies.

Travel insurance offered by credit cards

• How to file travel insurance claim with credit card

The best credit cards with travel insurance

Faqs about travel insurance.

There are several different types of travel insurance included in certain credit card benefit programs, including trip cancellation/interruption insurance, trip delay insurance and baggage insurance. Along with this, many cards offer travel assistance service in case you need help with arranging new itineraries or accessing resources while you're away from home.

Here are the different types of insurance, and what each one covers.

Trip cancellation/interruption insurance

Trip cancellation/interruption insurance is a two-in-one policy, helping travelers when their itineraries are thrown off due to unforeseen circumstances such as weather, a medical emergency or even jury duty.

Trip cancellation insurance covers your losses if a qualifying event prevents you from traveling on or before the departure date and results in your trip being canceled.

Trip interruption insurance covers losses if your travel is interrupted on the way to the point of departure or after departure. This means that if you experience car issues on your way to the airport for example, or a serious injury during your trip, or any other event that interrupts your travel plans, you may qualify for coverage.

Travelers can also be reimbursed for expenses that pop up if a trip is postponed and they need to book an additional hotel room, rent a car or pay for extra meals.

Each credit card issuer has different terms and conditions, so makes sure to read the fine print carefully so you understand what is covered under your insurance and how much you could be reimbursed.

For example, the Chase Sapphire Preferred® Card provides up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses. This covers the cardholder and immediate family members, even if the primary cardholder is not traveling with them. So if you have to cancel your vacation to Cancun because of a hurricane, you can be reimbursed a portion, or all, of the cost of the trip.

Trip delay insurance

If you're vacation was ruined because of a canceled or delayed American Airlines or Spirit Airlines flight last weekend, you likely could have used some trip delay insurance.

The policy kicks in if your trip is delayed by a specified number of hours, or if it requires an unanticipated overnight stay.

You get trip delay insurance with the Platinum Card® from American Express , which kicks in if your flight is delayed more than six hours. You're entitled up to *$500 in compensation per trip, which covers expenses like meals and lodging. The compensation is sent as a check via mail.

*Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Baggage insurance

There were nearly 3 million mishandled bags among U.S. airlines in 2019, according to the Air Travel Consumer Report . While this may sound like a large number, over 480 million bags were checked, which means over 99% of bags made it to their final destination without issue. But for the less-than 1%, their bags were either misplaced, lost, damaged or stolen.

Credit card issuers typically offer two different policies: baggage delay insurance and lost luggage reimbursement.

Policyholders with baggage delay insurance will be reimbursed if they need to purchase essentials while waiting to get their bags back. For example, if you have a Chase credit card with baggage delay insurance, you can be reimbursed up to $100 a day for five days for essential items like toiletries and clothing.

If your bags are completely lost, Chase Sapphire Reserve® cardholders can get up $3,000 with their lost baggage reimbursement policy.

Travel assistance services

When system-wide issues happen across a specific airline brand or airport (whether it's a computer malfunction or bad weather), it puts a major strain on call centers. This can lead to customers facing long hold times, with no easy solution for getting on the next flight.

If your travel plans are derailed, see if your travel credit card offers travel assistance services. This is a hotline for credit card customers that can provide guidance about travel issues, medical/legal referrals, emergency ticket replacement, lost luggage locator service and other emergency resources.

These services are typically offered 24/7 and can be found on several travel credit cards including the Bank of America® Premium Rewards® credit card , Chase Ink Business Preferred® Credit Card and the Delta SkyMiles® Reserve American Express Card .

How to file travel insurance claim with a credit card

Insurance is great to have, but you hope you never need to use it. In the unfortunate circumstance that you do, here's how you can file a claim with each credit card servicer.

• American Express cardholders: File a claim by calling Amex at 1-844-933-0648 or filing a claim on the app within 60 days of the incident.
• Chase cardholders: File a claim by calling 888-320-9961 or online at at http://www.eclaimsline.com/
• Citi cardholders: Call the benefits administrator at 800-847-2911
• Visa Signature cardholders (including some Capital One cards): File a claim by calling 800-757-1274 within 20 days of luggage being lost.

When you submit the claim, you'll need to provide receipts and documentation of the incident, so make sure you gather your paperwork ahead of time.

There are a handful of credit cards that offer travel insurance and most come with an annual fee. For frequent travelers, this can be worthwhile, but it's important to choose a card that works best for your financial situation.

Here are some credit cards that offer travel insurance.

• Chase Sapphire Preferred® Card

The Chase Sapphire Preferred offers a long list of travel insurance coverage, including: *trip cancellation/trip interruption insurance, rental car insurance, baggage delay insurance, trip delay reimbursement, lost luggage reimbursement and travel emergency assistance.

• Chase Sapphire Reserve®

The Chase Sapphire Reserve offers the same travel insurance as the Sapphire Preferred.

• The Platinum Card® from American Express

The Amex Platinum offers trip cancellation/trip interruption insurance, rental car insurance, baggage delay insurance, trip delay reimbursement, lost luggage reimbursement and travel emergency assistance.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

• Delta SkyMiles® Reserve American Express Card

The Delta SkyMiles® Reserve American Express Card offers the same insurance coverage as the Amex Platinum.

• The Business Platinum Card® from American Express

The American Express Business Platinum Card offers the same insurance coverage as the Amex Platinum.

• Bank of America® Premium Rewards® credit card

The Bank of America Premium Rewards provides trip delay reimbursement, trip cancellation/interruption insurance, baggage delay coverage, lost luggage reimbursement, emergency assistance services along with emergency transportation coverage.

• Chase Ink Business Preferred® Credit Card

The Ink Business Preferred credit card offers trip cancellation/interruption, rental car insurance, roadside dispatch and emergency assistance services.

Does travel insurance cover medical expenses?

Depending on the policy, yes. If your policy has trip interruption/cancellation coverage, medical expenses incurred during the trip are likely covered, including if you fall ill due to Covid-19 .

Additionally, cards like the Chase Sapphire Preferred® Card have accidental death and dismemberment (AD&D) policies covering eligible cardmembers up to $500,000.

Is travel insurance worth it?

Travel insurance offered through a credit card can save you potentially hundreds in the case your travel plans go awry. And not all travel credit cards with travel insurance have exorbitant annual fees, including the Chase Sapphire Preferred® Card , which offers robust travel insurance coverage along with other benefits for a $95 per year annual fee.

How do I get travel insurance?

The easiest way to get travel insurance is to sign up for a credit card that offers it as a perk to customers. By simply using a card with travel insurance to make your travel purchases (including flight and hotel), your trip will automatically be insured.

However, if a travel credit card isn't best for you, you can buy coverage for your trip through third-party insurance policies. These can sometimes be expensive and difficult to use, so make sure to read the fine print before you purchase such a plan.

Information about the Bank of America® Premium Rewards® credit card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

*Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/ benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

• State Farm vs. Geico car insurance Liz Knueven
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• SquareMouth travel insurance review 2024 Liz Knueven

June 1, 2020

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Trip Delay, Trip Interruption and Trip Cancellation Insurance Explained

What does trip delay insurance cover?

The travel delay  benefit helps you get through short(ish), unexpected pauses in your travel plans. It can reimburse you for lost pre-paid expenses as well as eligible costs you incur because of the delay, including meals, accommodations, communication and transportation. Note that for such an event to be considered a delay, it must last for the minimum time stated in your plan. Also, the delay must have been caused by a covered reason as listed in your plan, such as a travel carrier delay or lost travel documents.

How does trip delay insurance work in real life? Let’s say your 6 p.m. flight to Orlando is grounded due to a storm, and the next available flight doesn’t leave until 9 a.m. the next morning. Here’s what trip delay insurance may cover:

• Your dinner and breakfast
• Your hotel room for the night
• Your cab ride to the hotel from the airport and back
• The cost of the hotel room you had booked for your first night in Orlando (if the hotel won’t refund your money)

There are limits, of course: travel delay benefits reimburse reasonable expenses up to the limit shown on your letter of confirmation, for example $200/day. Don’t expect your travel insurance to pay for a lavish sushi dinner and a stay at the Ritz-Carlton.

But wait: Why do you even need travel insurance for this scenario? Aren’t airlines supposed to pay for your hotel room and meals if your flight is delayed? Not necessarily.

Most U.S. airlines have agreed to provide travelers with a hotel voucher and/or meal voucher when they experience a controllable flight cancellation or delay of a certain length. A controllable delay/cancellation is one that was caused by a reason within the airline’s control, such as a crew shortage or a mechanical issue. If the delay/cancellation is caused by a reason out of the airline’s control, they’re not obligated to offer you anything other than a refund (if you choose not to fly) or a seat on a different flight. That’s why you need travel insurance!

What does trip interruption insurance cover?

A  trip interruption  occurs when a traveler must unexpectedly cut short their trip and return home. Additionally, interruption can cause you to stay at your destination longer than originally planned (not always a bad thing, right?) Trip interruption insurance can refund lost prepaid costs, minus any available refunds and up to the maximum benefit amount, and cover the cost of your extra accommodations and/or your trip home.

Trip interruption benefits only apply if the interruption is caused by a covered reason. Allianz Travel Insurance plans list many covered reasons for interrupting or canceling your trip. Some common covered reasons include the serious covered illness or injury of the traveler, traveling companion or a family member; a natural disaster that renders your home or your destination uninhabitable; and the cessation of services by your airline, cruise line or other carrier, causing you to miss more than half your trip.

Trip interruption insurance is essential for those travel emergencies you just can’t predict. Imagine you’re in the middle of a week-long  safari in the Serengeti  when you receive word that your mom has been hospitalized with pneumonia. You need to return home ASAP! With the help of the travel experts on our 24-hour assistance team, you can get on the first available flight out of Kilimanjaro and travel back to the U.S. Trip interruption insurance can help cover the cost of the flight and reimburse you for the unused portion of your safari.

One key condition to keep in mind with trip interruption is that, in order to take full advantage of the benefit, you need to inform all your travel suppliers (hotels, tour operators, etc.) within 72 hours of finding out your trip will be interrupted. So, in the heat of the moment, be sure to keep your cool and communicate your change of plans as needed.

What does trip cancellation insurance cover?

Trip cancellation  insurance covers situations when you must cancel your trip before you leave for a covered reason (generally, the same covered reasons that apply to trip interruption coverage.) Trip cancellation benefits can refund the prepaid, nonrefundable costs of your trip, such as airfare, cruise tickets, tour bookings and hotel reservations. Plus, if you prepaid for shared accommodations, and your travel companion needs to cancel their trip for a covered reason, you can be reimbursed additional accommodation fees, which is huge if you’re taking a cruise.

Similar to trip interruption, the 72-hour notification rule applies here as well. So be sure to let your airline, tour operator, cruise line and others know about the trip cancellation in a timely fashion.

What else should you know when your trip doesn't go as planned?

It’s possible for a trip delay to turn into a trip interruption if you’ve lost more than half the total length of your trip scheduled trip length due to a covered travel delay. Let’s say you’re about to about to leave for a five-day Caribbean cruise, but a blizzard grounds your Miami-bound plane for two days. By the time you get to Florida, your ship is long gone, and you can’t find a flight to its next port of call. You may be able to make a trip interruption claim.

Just remember that when your trip is delayed or interrupted, you need to do everything you can to continue your scheduled plans. Try to catch up with your cruise ship or tour group (our hotline staff can help). Document your efforts. Keep your receipts. And as we’ve mentioned, notify all your travel providers and your insurer as soon as possible once you cancel your trip. Here are some  tips on how to use your trip delay benefit —and how you know it’s time to cancel the trip.

Always read your plan documents carefully so you understand your coverage, and call Allianz Global Assistance if you have any questions. Travelers covered by our insurance plans can access 24-hour assistance anytime via the Allyz ® TravelSmart app or by calling 1-800-654-1908 (from the U.S.) or 1-804-281-5700 (collect). Wishing you safe—and uninterrupted—travels!

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Overview of Travel Insurance Coverage

What does travel insurance cover, what does credit card travel insurance cover, what travel insurance coverage do you need to pay more for, choosing the right travel insurance, what does travel insurance cover frequently asked questions, understanding what travel insurance covers.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex®. The details for these products have not been reviewed or provided by the issuer.

• Travel insurance is intended to cover risks and financial losses associated with traveling.
• Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
• When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellations and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

• Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
• Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
• Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
• Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
• Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
• Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
• Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
• Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex, for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide to the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

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FinanceBuzz

8 Reasons It’s Worth It To Buy Travel Insurance (And 6 Times To Skip It)

Posted: July 12, 2023 | Last updated: April 7, 2024

Life is full of unexpected events and complications, and that doesn’t stop just because you’re traveling. If anything, travel may have even more surprises than your day-to-day life at home.

Travel insurance can help you avoid wasting money if you have to cancel a trip due to illness, need medical coverage while you’re traveling, or send you home for medical reasons.

However, it may not always be necessary and can sometimes be a waste of money. Keep reading to learn when you should and shouldn’t opt for travel insurance.

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Safety net for international travel

The number one reason people buy travel insurance is to cover an expensive trip. And if you’re traveling overseas, chances are your travels will cost a lot of money.

In addition, there are potential complications when it comes to international travel, from losing luggage during connecting flights, missed or canceled flights, sickness, and more.

And if something catastrophic happens in a foreign country, travel insurance provides evacuation so you can get home safely.

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Medical coverage

Getting sick or injured is unpleasant enough when you’re in the comfort of your home, but it’s a new beast entirely when you’re abroad.

Generally, you can expect basic medical expenses to be covered through your travel plan, often including dental. Medicare will not cover medical expenses in a foreign country. If you’re traveling overseas, travel insurance for potential medical costs is worthwhile.

Cover rental car mishaps

Renting a car is a great way to get around when traveling because you can explore a place on your own. Using taxis or ride-share services may cost more money. However, even the best drivers make mistakes, and no one can protect themselves from reckless drivers.

Your U.S. car insurance won’t cover you when driving in a foreign country. So choosing the car-rental insurance option when you buy travel insurance may be a good move.

Be aware that most travel insurance rental-car plans cover collisions and may not cover medical expenses, damages to other cars or property, or personal property damage or loss.

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Pre-existing conditions often aren’t covered

Unfortunately, as with many health insurance plans, travel insurance often won’t cover pre-existing conditions. Travel health insurance is usually meant for unforeseen illnesses or injuries instead of complications due to an existing medical issue.

Even travel insurance companies that cover pre-existing issues often only cover physical maladies and exclude mental conditions and typical pregnancy-related symptoms and complications.

Protect lost luggage

A big fear for travelers is losing their luggage, either having it not arrive at the destination or stolen during their trip. Most airlines will offer reimbursement for luggage they lose, but it can take quite a while for this to process.

Travel insurance will cover the cost of replacing your clothing and other items while you wait for your luggage to be located and can also cover theft and damage.

Cover valuable items and gear

You should consider buying travel insurance if you’re traveling with valuables, including expensive jewelry, art, or even pricey sporting or adventure gear.

You’ll need to talk to the insurance agency specifically about covering your valuables, as they may need to be insured separately. Depending on your homeowners insurance policy, your jewelry may be covered even when you travel.

Sporting goods, including golf clubs, will not be covered by your homeowners insurance if you’re traveling, so you will need travel insurance to replace them if they’re lost, damaged, or stolen.

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Emergencies happen

While we do our best to prepare for the worst-case scenario, we can’t stop life from happening. Things like medical emergencies, a death in the family, or other catastrophes can halt your travel plans.

If you have travel insurance, rescheduling or cancellation fees will be covered, allowing you to deal with the emergency at your own pace. You won’t have to worry about losing the money spent on the trip and subsequent fees.

Natural disaster coverage

Are you planning a fall trip to the Gulf Coast or Florida? Consider your travel destination and the time of year you're going.

If you’re visiting someplace prone to natural disasters, especially seasonal occurrences like tornadoes, hurricanes, wildfires, and such, travel insurance can help you recoup your money should these events interrupt your travel plans.

Similarly, if a natural disaster occurs during your trip, often, insurance will pay to move you to a more secure location.

Extreme adventures may not be covered

Your insurance will most likely cover typical travel-related injuries but don't expect your medical bills to be covered if your itinerary involves extreme adventures or dangerous exploits.

Surfing, sailing, kayaking, bungee jumping, scuba diving, skiing, snowboarding, and other extreme sports do not fall into everyday illnesses or injuries. For these activities, consider getting a specific plan for adventure activities.

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Shaky travel companies

If you booked your trip through a travel company and it goes bankrupt, travel insurance may provide a safety net to ensure you get your money back.

Airlines, cruise ships, travel companies, and other travel-related businesses suffered during the pandemic, and many may not be on solid financial ground yet.

This may not be covered in a basic insurance plan, so make sure your agent adds financial default coverage if you are concerned about the health of your travel provider. 

In the situation any company or organization closes or is otherwise inoperable during your trip, you’ll be covered.

Now let’s look at times you may not need travel insurance.

Your credit card offers travel protections

Before purchasing travel insurance, consider which credit card you have. Many of the top credit cards  offer travel protections.

Some protections you may already have include lost luggage, rental car insurance, trip delay, and trip interruption or cancellation.

Credit card programs often don’t cover medical or other interruptions, so consider your priorities before choosing this option.

You have a domestic trip

If you’re traveling within the U.S. and its territories, travel insurance may not be necessary. For example, you won’t need medical coverage as your health insurance should be honored nationwide.

Domestic travel is also usually much less expensive. If you’re taking a cheap, last-minute, or nonstop flight and staying at an inexpensive hotel or rental, the cost of travel insurance may not be worth it.

One exception might be a family trip to Disney World. The estimate for a trip for a family of four in 2023 is more than $6,000, so travel insurance might be money well spent in this case.

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Don’t add expense to cheap trips

Not all travel is planned. Whether traveling for work, a family emergency, or just a last-minute vacation, you likely don’t need insurance in these circumstances. Odds are, you’re packing light, and both your flight and hotel are relatively inexpensive.

In these scenarios, the things insurance covers won’t be relevant, including baggage loss, flight cancellations, hotel issues, and so on. 

Not only will these costs likely be minimal, but they can be disputed with your airline or hotel, although it may take a little while to get your money back.

The airline has a flexible rebooking policy

If you’re buying travel insurance to cover the cost of rescheduling a flight, you’re better off purchasing a refundable ticket at a higher price. And some airlines have more flexible policies now.

Many airlines allow last-minute ticket changes and will even help you reschedule your flight within a specific timeframe. The timeframe and policy vary by airline, and you may be subject to a nominal cancellation or rebooking fee, but it will be significantly less than insurance.

Insurance will not cover political unrest

One emergency situation insurance probably won’t cover is war or political unrest. If you’re visiting a location with political tensions and your trip is canceled as a result, don’t expect your insurance to cover the costs.

Insurance companies generally follow the travel advisories the U.S. State Department issued for medical and political situations.

Similarly, insurance won't cover these costs if you have to leave your trip early for safety concerns. Consider your destination's political environment before booking your travel or buying insurance.

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Your hotel may cover cancellations

Many hotel cancellation policies have tiers depending on the booking you make. For example, some may have free cancellation within a specific period, while others charge different rates for rooms booked as non-refundable or partially refundable.

If your sole reason for purchasing insurance is hotel flexibility, consult with the hotel before you book. They may have a policy as flexible as your insurance or can work with you should something unexpected arise.

Penalty-free cancellations for major hotels tend to be around 24-48 hours prior to arrival.

Bottom line

Travel insurance may be pricey, but it’s a lifesaver in many situations. However, in others, it’s overkill and a waste of money.

Every travel situation is different, so consider your specific needs when purchasing. And, if you want more money to cover your insurance, consider these ways to make extra cash for travel funds.

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Aer Lingus pilots will begin work-to-rule next week - here's how it might affect holidaymakers

LAST UPDATE | 18 Jun

AER LINGUS PILOTS have announced that they will begin an indefinite work-to-rule against their employer from 26 June amid an ongoing row over pay. 

Members of the Irish Airline Pilots’ Association (IALPA) confirmed this evening that the industrial action will include a refusal to work overtime or any out of hours duties requested by management.

Yesterday, the union  voted 98.82% in favour of taking industrial action , up to and including full withdrawal of labour. Turnout for the ballot was 89%.

It was the second time that IALPA members had voted in favour of strike action, with a ballot last week securing 98% support. 

Aer Lingus has said that the decision taken by the union was “entirely unnecessary” and will “inevitably result in significant disruption to our customers and to other employees”. 

Let’s take a look at how people planning to travel might be affected. 

Why have Aer Lingus pilots decided to take industrial action?

Aer Lingus pilots who are members of the union are seeking a pay rise of 23.8% over three years, which would be similar to what British Airlines – a sister airline of Aer Lingus – awarded pilots in 2019.

Members have already rejected a Labour Court recommendation that they should receive a pay increase agreement of 9.25% in the near term.

The IALPA said the 23.8% increase it is seeking is “clearly reasonable and affordable for a profitable company such as Aer Lingus.”

It noted that in 2023,  Aer Lingus had a full year operating profit of €225 million . This was a 400% increase on 2022,  when a full year operating profit of €45 million was recorded.

A spokesperson for Aer Lingus has said that IALPA has “rejected the outcomes of two independent processes which have sought to resolve the issue”.

They said that Aer Lingus pilots are “rightfully well paid for the work that they do” and “more than fairly compensated compared to the market”.

What happens if my flight is cancelled due to industrial action?

Speaking to The Journal  after pilots voted in favour of strike action yesterday, travel commentator Eoghan Corry said that people should not panic. 

“The airline is under contract to get you to where you’re supposed to go. There’s not much point fretting about it,” he said.

“It’s between the airline and the union, and if the strike does go ahead, you won’t be out of pocket. They will use Iberia, British Airways, whatever means they can, to get you to where you’re supposed to go.”

Under EU regulations, consumers have certain rights when flights are delayed or cancelled. That could include when there is a strike at the airline involved.

These rights may include compensation for delayed or cancelled flights, as well as care and assistance while passengers wait.

These rights apply when travelling through airports in any EU country or Norway, on board flights departing from these countries, and on flights arriving into any of these countries if you are travelling with an EU airline. 

A spokesperson for the Competition and Consumer Protection Commission (CCPC) told The Journal : “ Strikes by baggage handlers or other groups external to the airline may be considered extraordinary circumstances, but strikes by airline staff – referred to as internal strikes – are not considered extraordinary circumstances and so any compensation due under EU regulations must be paid.”

Where a passenger’s flight is cancelled, they are entitled to either:

• A refund of the cost of their ticket within seven days,
• Re-routing to their destination at the earliest opportunity,
• Re-routing at a later date of their choice subject to the availability of seats. 

They may also be entitled to compensation. 

The CCPC spokesperson added that consumers who have trouble accessing compensation can lodge a complaint through the Irish Aviation Authority (IAA) , which is responsible for enforcing these rights in Ireland.

Am I entitled to compensation if my flight is cancelled?

In this case, Aer Lingus had requested that a minimum of 15 days notice be given by IALPA if they intended to strike in order to minimise disruption for passengers.

A passenger is not entitled to compensation if they have received at least two weeks notice that their flight has been cancelled. 

A spokesperson for IALPA told  The Journal  yesterday that it was considering the airline’s request. However, the union has now decided to give Aer Lingus the legally required notice period of seven days.

Any passengers who have their flights significantly delayed or cancelled will be entitled to compensation once they are given less than 14 days notice.

The level of compensation will depend on the distance of the flight in question:

• Passengers on short-haul flights (1,500km or less) will be entitled to €250
• Passengers on medium-haul flights (over 1,500km within the EU and other flights between 1,500 and 3,500km) will be entitled to €400
• Passengers on long-haul flights will be entitled to €600 

Passengers may also be entitled to compensation if they arrive at their destination 3 hours or more after the scheduled arrival time. Again, the level of compensation will depend on the distance of the flight. 

If the airline can prove that the delay was caused by an extraordinary circumstance which could not have been avoided, no compensation is payable. But as stated above, the CCPC has said that strikes by airline staff are not considered extraordinary circumstances. 

Will travel insurance cover my cancelled trip?

Some travel insurance policies will cover travel disruption in the event of a strike, according to Irish Travel Agents Association (ITAA) CEO Clare Dunne. 

“If they have travel disruption cover or industrial action cover in place, then they may be able to claim something back,” Dunne told The Journal yesterday.  

However, if passengers attempt to take out the travel insurance now, it’s unlikely to cover them at this point. 

“What we’re hearing from some of the insurance companies is that now that the event has been declared, even though it hasn’t been quantified, the underwriters are still saying that they’re not prepared to cover it because it’s been announced.”

Dunne advised anyone who has booked with a travel agent to speak to them about their options. 

“The travel agents will assist them to get the best alternatives, whether they want to go on a later or earlier flight or whatever it is, to get them where they need to be.”

What happens next?

The planned work-to-rule will take effect from one minute past midnight on 26 June and will last indefinitely. A potential strike also remains an option. 

However, speaking to The Journal yesterday, Eoghan Corry said that he believes an all-out strike won’t happen.

“My strong instinct is there will not be a strike. They will go back into negotiations and there will be a deal, but it will be later rather than sooner,” he said.

“The reason is that the airline is now hemmed in a corner. The union have them where they want,” he said.

“They’re already hitting the forward bookings for Aer Lingus, because people who were thinking of booking Aer Lingus are going elsewhere for summer bookings.”

If a full strike does go ahead, it will mean Aer Lingus will have to reschedule flights and bring passengers where they’re supposed to go, and if IALPA give less than two weeks’ notice, Aer Lingus will have to pay compensation.

“There’s probably a lot of talking to be done before there’s a deal. The reason is that the union are moving from a position of strength,” Corry said.

“They could wait until the day of the strike and then strike the deal at four o’clock in the morning. We’ve seen that happen in the past.

“There’s nothing to be gained by striking the deal in advance. The more you scare the passengers, the more you damage Aer Lingus and that’s what they’re setting out to do.”

This article was originally published at 7pm on 17 June. It has been updated to reflect the most up-to-date information.

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Does Travel Insurance Cover Passport Issues?

A Los Angeles native, Jennifer is a freelance personal finance writer and editor whose goal is to help readers get excited about improving their financial health. She loves using credit card rewards points toward airfare, and recently took a round-trip flight to Southeast Asia entirely on points. Her work has been featured by Forbes, HuffPost, MSN Money and Business Insider.

Megan Lee joined the travel rewards team at NerdWallet with over 12 years of SEO, writing and content development experience, primarily in international education and nonprofit work. She has been published in U.S. News & World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for websites like GoAbroad and Go Overseas. When not traveling, Megan adventures around her Midwest home base where she likes to attend theme parties, ride her bike and cook Asian food.

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Traveling abroad can be logistically challenging, even when your itinerary unfolds smoothly. Encountering a passport complication just before a big trip, or during your travels, can be an even bigger hurdle.

With the help of travel insurance, a lost passport — or trip delays resulting from a lost or stolen passport — might be covered. However, the level of travel protection you’ll get for passport issues (if any) depends on your plan’s covered reasons for a claim and its exclusions.

What is travel insurance?

Travel insurance is an optional protection plan for travelers. It generally offers financial reimbursement for unexpected events or situations that occur during your trip. According to NerdWallet analysis , buying travel insurance typically costs about 7% of your total trip expenses.

Some types of travel insurance coverage are:

Baggage loss/delay and personal effects. This option covers a traveler's lost, stolen or damaged baggage/personal items. 

Trip cancellation or delay. You’ll get full or partial reimbursement for travel costs you’ve paid upfront, and that aren’t refundable by the travel provider. For example, if you become significantly injured during your trip and can’t travel safely, this coverage might cover expenses related to the trip delay, like a hotel stay.

Cancel For Any Reason. Cancel For Any Reason (CFAR) travel insurance offers a financial safety net if you need to cancel your pre-paid, nonrefundable travel plans for an otherwise non-covered reason. CFAR can reimburse you for up to 75% of your travel expenses , but costs extra.

Travel insurance providers offer varying coverages and bundles. The allowable reasons for submitting a travel insurance claim, and coverage exclusions, also vary by provider and plan.

» Learn more: Trip cancellation insurance explained

So, does travel insurance cover passport issues?

Some travel insurance plans do cover passport issues depending on your unique situation.

These are just some of the passport-related mishaps and scenarios that might be covered through your travel insurance provider:

Passport replacement reimbursement. If your passport is lost or stolen during your trip, the cost to replace it might be covered by some travel insurance plans under baggage and personal effects coverage.

Passport snags before your trip starts. If your passport was stolen before your trip and the theft was documented, trip cancellation coverage may help you reclaim your qualifying lost expenses.

Passport obstacles during your travel. Costs resulting from trip interruption due to a lost or stolen passport in the middle of your trip might be covered by trip interruption protection. Examples of expenses that might be reimbursable include the cost of rescheduling your flight, extended hotel stays, etc. 

Passport issues that might be excluded from travel insurance

The best way to determine what scenarios are excluded from travel insurance policies is to read the policy terms directly or ask the insurer. However, delays due to certain passport scenarios are generally not covered.

Losing a passport before your trip. Although you might be covered with trip cancellation if your passport was stolen before your travel plans, travel insurance usually doesn’t offer coverage for passports that were simply lost (rather than stolen) before traveling.

Passport processing delays. Travel insurance doesn’t cover passport delays resulting in canceling or delaying your scheduled, prepaid trip. For example, ineligible reasons include if your passport doesn’t arrive in time for your flight or the U.S. Department of State’s processing timeline is taking longer than expected.

Passports that don’t meet validity requirements. If your passport expires during the middle of your trip, like if you’re doing a multi-country trip, trip delays due to an invalid passport might not be covered. 

Passports that are confiscated or detained. If the local authorities or customs agency confiscates or detains your passport for any reason, resulting trip delays are likely not covered.

Stolen passports without a police report. Part of the travel insurance claims process for stolen passports is providing a copy of the police report for the theft. The police report must also be made soon after the passport is found stolen; for example, within 24 hours. You’ll also need a filed police report for the stolen or lost passport to get a replacement from the local U.S. consulate or embassy.

Passport issues due to personal negligence. Some insurance policies won’t cover expenses from a lost or stolen passport if you didn’t take reasonable care of your passport. Placing it on a restaurant table and leaving it behind, for example, is likely not a covered reason.

Where to get travel insurance protection

If you want travel insurance for your next trip, you can find it in a few ways.

Via your travel service provider

When booking your travel, many airlines and hotels partner with insurance providers to offer a travel protection option at checkout. For instance, United Airlines offers flight coverage via AIG Travel Guard .

Travel insurance companies

You can also purchase travel insurance directly with a third-party provider. When doing so, compare pricing from a handful of travel insurance companies and ensure each plan offers the same apples-to-apples coverage.

» Learn more: The best travel insurance companies

Travel credit cards

You might also already have some level of travel insurance protection through your credit card’s benefits program. Various travel rewards credit cards include trip protection coverage that might have your back if you face passport issues.

To activate travel insurance benefits, you must use the card to purchase your travel expenses. Also, check with your card provider to confirm to what extent passport issues are covered.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

» Learn more: What to know before buying travel insurance

Passport insurance options recapped

You might be able to reclaim lost travel expenses that arise because of unexpected passport setbacks. Whether your travel insurance covers lost passports or other passport concerns depends on your travel insurance type and the covered events outlined on your policy.

If your passport issue is covered by your travel insurance policy, it might be able to help you recoup at least some of your travel expenses. Reading the terms and conditions of your travel insurance can help you understand which passport issues are covered.

For the greatest peace of mind, consider CFAR travel insurance if it fits your budget. It’s the most reliable travel protection for travelers, but also the costliest option.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g., plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.