What does insurance on a plane ticket cover?

What Does Flight Insurance Cover? For most flight insurance plans, the coverage is limited to unexpected events related to your air travel. In general, this type of policy covers flight delay, trip cancellation or trip interruption, and lost, damaged, or stolen luggage up to the plan limit.



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The most common covered reason is unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member. Other common covered reasons include terrorism, inclement weather, or a natural disaster, among others. Trip Cancellation is a major concern for most travelers.

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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.

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Usually trip insurance only pays for certain events, e.g. getting sick just before the flight. Refundable tickets are refundable for any or no reason before or after departure. A refundable ticket normally ensures that you can cancel your trip at any time before departure.

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Covered reasons for Trip Cancellation
  • Medical reasons (unforeseen ailment, injury or death in the family)
  • Inclement weather or natural disasters (tropical storms, hurricanes, etc.)
  • Terrorist attack (in or around where you're planning to visit)
  • Financial default (of a carrier)
  • Involuntary layoff or termination.


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Airlines reserve the right to waive off any applicable penalties at their discretion. If you would like to cancel your flight due to medical reasons, please contact the airline directly with a copy of your medical certificate requesting them to waive any applicable cancellation fees.

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Cancel for any reason (CFAR) coverage allows travelers to cancel their plans for any reason, which could include concerns over flight cancellation. However, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

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Canceling a nonrefundable fare will result in an eCredit for the full amount paid (minus any cancellation fees, depending on fare type and route). However, if you cancel a refundable ticket, you'll get the amount paid refunded back to your original form of payment.

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Yes, you can reschedule or cancel a flight. However, you may need to pay a change or cancellation fee depending on the airline you booked with and the fare class of your ticket. Luckily during Covid-19, many airlines have reduced change fees or waived them altogether.

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You can get your money back for all parts of the ticket you haven't used. For instance, if you have booked a return flight and the outbound leg is cancelled, you can get the full cost of the return ticket back from your airline.

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