ghina

No feel free to talk, it's Flyertalk.

Often1

Forgive me for misinterpreting the bold red "thumbs down" title asserting that you did not get what you expected as a complaint.

mvoight

Can't you just redeposit the miles for a fee? That is, assuming you canceled before the flight, you still should have the miles, correct?

channa

Right, you should be able to get the $200 from the insurance company and cancel/refund the ticket (and pay the change fee/redeposit fee, if appropriate).

trooper

that statement makes me think you have an odd view of insurance generally. OF COURSE the odds are in the companies favour...otherwise they wouldn't/couldn't offer the insurance that the "few" end up needing..... It almost seems that some people expect it to be an investment.....

Of course as someone who mainly travels internationally I value it much differently..... a self funded hospital stay in the US? no thanks! Self funded medical repatriation home? Well there goes the house! No thanks. Excess on a rental car after a collision? Uh-uh. For less than AUD$200 on an average trip I am covered for all those things..... and the peace of mind is worth way more than that...

channa

It's a bit different in from the American perspective. Many health insurers cover emergency treatment overseas already, and many Americans carry that already. And non-emergency medical care overseas on a cash basis is usually reasonable. So really the bulk of the potential benefit is recovering the cost of the trip, which is not something worth insuring, unless it's a non-refundable several thousand dollars trip. But in the case of an airline ticket, the funds are typically reusable anyway (less a change fee), so even that may not be a big deal since you can use the bulk of the credit later. The airline covers baggage claims for the most part too, so insurance is not necessary there. That's why most Americans travel without travel insurance.

In this case, the OP is going to be able to recover $200 of his $244 trip. That's typically not a value that people worry about insurance over. And don't forget how much effort it takes to recover such a small amount. Insurance companies are trained in how to deny or minimize claims.

LondonElite

My travel insurance makes no distinction between paid and award trips. To another point, my wife had to be hospitalised once. The bill came to about $15,000, which we chose to reclaim through our travel rather than medical insurance.