Should I get travel insurance for a trip booked as a mileage award?
My wife and I are planning a trip as a "babymoon," and are hoping to fly using award flights as we have more than enough miles - but as my wife is pregnant I am nervous that something might happen and we may need to cancel the flight. As a result, I'm thinking that travel insurance is a good idea. This is generally the advice that I have gotten from everyone - whenever traveling with someone pregnant, get the travel insurance when it's offered. However, if I am booking flights as awards, is the travel insurance still worth it? If I need to cancel a flight which was an award, but it has insurance, will I get the miles back in the same way that I would get the money back from a revenue ticket?
Best Answer
It depends on your airline's rules for redepositing miles if you cancel the trip... check this before booking.
In the most common case airlines charge a fee to cancel the trip and redeposit the miles, and insurance often covers this fee.
If you are a frequent traveller with elite status the airline may have a policy of waiving the redeposit fee.
A good source for more information is here
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Is it a good idea to take out travel insurance in case you need?
While you're never required to buy travel insurance, it's a good idea for more expensive trips. The last thing you want to see is thousands of dollars in non-refundable purchases evaporate because of an unforeseen event. You can follow these below tips to you help you decide when travel insurance is worth it.How does travel insurance work with points?
Unfortunately, frequent flyer miles or reward points are not insurable under travel insurance. This means travelers who use miles or points are not able to be reimburse for the face value of their tickets or rooms booked using points.What counts as covered trip cancellation?
The most common covered reason is unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member. Other common covered reasons include terrorism, inclement weather, or a natural disaster, among others. Trip Cancellation is the main concern for most travelers.Does travel insurance cover entire trip?
Trip cancellation coverageYour travel insurance policy can reimburse you for prepaid, non-refundable trip deposits if a trip is canceled for a covered reason. These outlays can include airline tickets, hotel rooms, rental cars, tours and cruises, says Daniel Durazo, spokesperson with Allianz Travel Insurance.Travel Insurance Tips: 7 Things to Know Before You Buy
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