Trip insurance with award tickets?
Jun 21, 2018, 8:53 am
#1
Original Poster
Join Date: Apr 2008
Location: RDU
Posts: 5,239
Trip insurance with award tickets?
I have a quote for trip insurance. Plan to get trip interruption and cancellation, medical etc. My flights (for two people) were not paid for in cash. I used mileage points. (United). Has anyone bought trip insurance in a similar situation? How did they compensate your for miles used to purchase tickets? My quote is from Allianz and seems reasonable for two people, about $600 total for a trip (cruise) of about 17 days.
Jun 21, 2018, 9:32 am
#2
Join Date: May 2009
Location: South Park, CO
Programs: Tegridy Elite
Posts: 5,678
Yes I've had policies that include reimbursement for miles/points redeposit fees in the event of a cancelation. Not all policies include this specific coverage and the amount can vary from as low as $25 on up. So you just need to read the coverage terms and conditions carefully - which you should do anyway of course.
Jun 21, 2018, 10:48 am
#5
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Location: RDU
Posts: 5,239
Jun 21, 2018, 11:01 am
#6
Suspended
Join Date: Mar 2002
Location: Canada, USA, Europe
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It’s hard to say without specifics. My pretty comprehensive annual policy covers the whole family and is bundled in with my Amex. For a two week two person policy I’m surprised it’s so much. I think my parents in law bought an annual policy for something like $400 each.
Jun 21, 2018, 11:05 am
#7
Original Poster
Join Date: Apr 2008
Location: RDU
Posts: 5,239
It’s hard to say without specifics. My pretty comprehensive annual policy covers the whole family and is bundled in with my Amex. For a two week two person policy I’m surprised it’s so much. I think my parents in law bought an annual policy for something like $400 each.
Jun 21, 2018, 7:24 pm
#8
Join Date: Feb 2006
Location: Cockeysville, MD
Programs: Marriott Rewards Lifetime Titanium, Amex Plat, Hertz Gold 5*, National Exec, AA Plat
Posts: 9,467
How much did you declare the trip value? We use Allianz all of the time due to health insurance outside of the country. Usually it's under $200.00.
Jun 21, 2018, 7:32 pm
#9
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Location: RDU
Posts: 5,239
Jun 21, 2018, 8:36 pm
#10
Join Date: Feb 2006
Location: Cockeysville, MD
Programs: Marriott Rewards Lifetime Titanium, Amex Plat, Hertz Gold 5*, National Exec, AA Plat
Posts: 9,467
Ahhh OK you are getting a good price. Most of our trips are on miles and timeshare stays. Very flexible. I think you are in good shape. We do have an expensive trip next Spring to the Maldives. That was about $1500 for the insurance. For the record, we get one for every Intl trip. Had to make claims to Allianz three times.
1) Weather returning from Hong Kong. Stuck at JFK one night.
2) Weather returning from Cabo. Stuck in Phoenix 3 nights.
3) Sudden death of my mother-had to cancel trip to Aruba.
All claims processed without question. Just had to provide docs justifying the refund amounts. We were very happy with the service. The real reason we get it is in case of medical issues outside the country. Never needed that yet...
Jun 21, 2018, 9:19 pm
#11
FlyerTalk Evangelist
Join Date: Apr 2001
Location: MEL CHC
Posts: 21,016
Polices from a TA and direct from the same company can be different.
At times an annual policy is not a lot more than a 1 trip limited duration-declared cost policy.
Jun 22, 2018, 7:30 am
#12
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Location: RDU
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