First, that is not what I am saying.

Second, such 'non-refundable expenses' are in policies- Lets say you need to take an extra flight to 'catch up or rejoin'. Until the disruption it wasnt a 'planned trip expense'.

So under 'trip interruption' if a trip is disrupted by a covered reason, they will pay expenses to continue- to the next stop or to say return home. So in my example if an award flight is missed, due to a covered reason, it may trigger 'return home' or 'trip interruption' benefits. However there is usually a clause that describes the limits on these expenses.

interestingly many have a $ limit on the benefit like $1000, $1500 or $2500, although some allow it to range up the the 'plan limit'... however they also limit it by saying "economy ticket", although a few say "economy or the fare class originally booked".

I might excerpt the language around a few of these for discussion here. (for example: Arrangements limited to the cost of one-way economy airfare or
similar quality as the originally issued ticket by scheduled carrier.

Is a free award seat in QF F going to equate to a purchased QF F seat to get home, if QF says 'no award seats for the next 6 months'?

Would I lay down a credit card to get home, secure in my interpretation? (ie "we would have covered a seat in P class, but not in F"...knowing you cannot buy a P seat.)




Oh, is there a GOOD conversation here on FT about the nuts and bolts of travel insurance? Like a place where people discuss something other that prices and marketing terminology? my searching hasnt turned up much. Im asking you as I do seem to recall you having a specific interest in polices...