Travel insurance to cover flights paid for with points
5th July 2023 at 21:25daisyduck 1 post
Can anyone suggest travel insurance companies that would cover a flight paid for with points?
I’m due to travel to the US this summer and just thinking about plan b in case flight missed due to a hurricane ir flight delayed home due to hurricane.
I assume if flight delayed coming home VA would sort that out, but if my cruise ship can’t get back into port then I would need to sort out my flights home with my travel insurance company.
My bank travel insurance covers hurricane but I’ve just suddenly thought about my flights which are paid for with points and are in UC coming home.8th July 2023 at 15:07AL 582 posts
If the flight is delayed coming home, due to an issue that VS are responsible for, then UK261 applies as the flight will be arriving in the UK from a non-UK destination and is/was operated by a UK airline.
Generally, as you will likely have found out, insurers don’t prescribe a value to points, so their willingness to pay out will be minimal. VS’ deal with Allianz isn’t too bad – here’s the IPID outlining the major things it covers: https://www.magroup-online.com/VAA/GB/EN/Virgin_Atlantic_IPID.pdf. On a sample itinerary ex-LHR to IAD, for example, it was £39 for my one week trip. It also, helpfully, covers other things, including cruise issues, too.
The VAA policy covers you for flights booked with points, but nothing “more than the lowest market value of equivalent accommodation, transport charges and other travel expenses, if payment was made using frequent flyer points, airmiles, loyalty card points, redeemable vouchers or another similar scheme”, per the full policy wording at https://www.magroup-online.com/VAA/GB/EN/Virgin_Atlantic_Policy_Wording.pdf.
Are your points already in VS, or are you going to transfer them in (e.g. from Amex)? If the latter, you could transfer to DL as SkyMiles, and then see if their policy (https://www.delta.com/merch/searchTripInsuranceAction.action) is better in this regard. Like most US airlines offering insurance, they cover non-refundable expenses incurred through booking, such as TFS for award bookings.8th July 2023 at 19:44QwertyKnowsBest 299 posts
Policy bundled with Nationwide Flex account specifically covers points bookings.
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