Go Back  FlyerTalk Forums > Travel&Dining > Travel Products
Reload this Page >

Travel insurance - cancelled flight/delay - buy a new ticket?

Travel insurance - cancelled flight/delay - buy a new ticket?

Old Apr 20, 18, 9:01 am
  #1  
Original Poster
 
Join Date: Mar 2008
Posts: 811
Travel insurance - cancelled flight/delay - buy a new ticket?

Wasn't sure how to properly search for this one.

Is there such a beast/policy that would permit you to buy a new ticket on some other carrier if your covered flight is cancelled or delayed more than X hours?

Like an airline won't let you interline to another airline that can get you where you need to get to, so it'll be at your expense, type of thing?
hurnik is offline  
Old Apr 25, 18, 4:30 am
  #2  
 
Join Date: Oct 2012
Location: London, UK
Posts: 163
First of all... which country?

In the UK I don't know of any policies that would cover reticketing however in most the world insurance requires the claimant to mitigate their losses, ie make the claim as small as possible. There are policies that both give an arbitory amount per hour of delay and/or pay for abandoment if the delay is over a certain minimum (our former policy was 12 hours). Whilst not explicitly covered by the terms it wouldnt be too hard to argue that $300 for a new flight rather than the $1,000 for abandoning both flight and hotel booking is mitigation of losses and therefore would probably receive a payout.

Also, why do you need it? If for example its to meet a cruiseboat then travel insurance covering cruises does, again in the UK at least, inc costs associated with ensuring you get on your boat if the flights delayed. This normally is envisaged as an additional flight to the boats next stop but could again be a replacement original flight instead.
Astaroth is offline  
Old Apr 25, 18, 7:32 am
  #3  
Original Poster
 
Join Date: Mar 2008
Posts: 811
Originally Posted by Astaroth View Post
First of all... which country?

In the UK I don't know of any policies that would cover reticketing however in most the world insurance requires the claimant to mitigate their losses, ie make the claim as small as possible. There are policies that both give an arbitory amount per hour of delay and/or pay for abandoment if the delay is over a certain minimum (our former policy was 12 hours). Whilst not explicitly covered by the terms it wouldnt be too hard to argue that $300 for a new flight rather than the $1,000 for abandoning both flight and hotel booking is mitigation of losses and therefore would probably receive a payout.

Also, why do you need it? If for example its to meet a cruiseboat then travel insurance covering cruises does, again in the UK at least, inc costs associated with ensuring you get on your boat if the flights delayed. This normally is envisaged as an additional flight to the boats next stop but could again be a replacement original flight instead.
Thank you. Sorry, yes, for the US.

Some examples would be:
Traveling to a cruise port
Traveling to a resort destination, etc.

I'm assuming that if such a policy even exists it would have to be within X hours/days. Let's say you have to be somewhere and the particular airline you're using is having issues, so while they *can* get you to your final destination, it'll be 1 - 2 days later. But you can use a diff. airline and get there either "on time" or sooner.
hurnik is offline  
Old Apr 26, 18, 2:56 am
  #4  
 
Join Date: Oct 2012
Location: London, UK
Posts: 163
Originally Posted by hurnik View Post
Some examples would be:
Traveling to a cruise port
Traveling to a resort destination, etc.

I'm assuming that if such a policy even exists it would have to be within X hours/days. Let's say you have to be somewhere and the particular airline you're using is having issues, so while they *can* get you to your final destination, it'll be 1 - 2 days later. But you can use a diff. airline and get there either "on time" or sooner.
I can only talk about UK policies as my experience of US insurance is limited to corporate insurance.

Cruises are "different" because obv if you get there X hours late then the boats gone and you cannot simply carry on with the trip and hence it does cover missed port of departure cover - a standard UK policy normally pays up to circa $1,400. With a resort then its a pain that you've lost 1-2 days of your holiday but upon arrival you can just carry on as planned for the remainder of it.

The UK policies that I know that allow abandoment due to delay normally require a delay of circa 12 hours. Naturally the shorter the limit the higher the premiums will be as the more likely it is to be triggered. This would require a bit of debate witht he insurer but the principle of claiming $1,000 for a new flight -v- $1.800 for an abandoned flight and $3,000 for a hotel should easily show you took prudent action to mitigate your losses and so make the claim valid.
Astaroth is offline  

Thread Tools
Search this Thread
Search Engine: