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If you’re planning to book a flight using your points, you may be wondering if travel insurance will cover that flight. The answer is not straightforward, as it depends on the policy you have and the type of points you’re using to book your flight. In this article, we’ll explore the different scenarios and policies to answer this question.
Points from Credit Card Rewards Programs
If you’re booking your flight using points from a credit card rewards program, there’s a good chance that your travel insurance will cover it. Most credit card companies offer some form of travel insurance for their cardholders, which can include coverage for trip cancellations, delays, lost luggage, and emergency medical expenses.
However, it’s important to note that each credit card company has its own policy regarding travel insurance coverage for flights booked with points. Some may require you to pay a portion of the flight cost with your credit card to be eligible for coverage, while others may require you to book directly through their travel portal to be covered.
Before booking your flight with credit card reward points, make sure to check your credit card company’s policy on travel insurance coverage to ensure you’re protected.
Points from Airline Loyalty Programs
If you’re booking your flight using points from an airline loyalty program, the answer to whether or not travel insurance will cover it is a bit more complicated.
Most airline loyalty programs offer some form of travel insurance for their members, but the coverage can vary greatly depending on the program and the policy you have. Some may only cover trip cancellations, while others may also offer coverage for lost luggage or emergency medical expenses.
However, even if your airline’s loyalty program offers travel insurance coverage for flights booked with points, it’s important to note that the coverage may not be as comprehensive as what you’d get with a credit card rewards program.
Before booking your flight with airline loyalty program points, make sure to check the policy on travel insurance coverage for flights booked with points to ensure you’re protected.
Third-Party Travel Insurance Providers
If you’re not satisfied with the travel insurance coverage offered by your credit card company or airline loyalty program, you may want to consider purchasing a third-party travel insurance policy.
Third-party travel insurance providers offer a wide range of policies with varying levels of coverage, including coverage for flights booked with points. However, it’s important to note that not all third-party travel insurance policies will cover flights booked with points, so you’ll need to read the fine print carefully before purchasing a policy.
Additionally, some third-party travel insurance policies may require you to pay a portion of the flight cost with your credit card to be eligible for coverage, while others may require you to book directly through their travel portal to be covered.
Conclusion
The answer to whether or not travel insurance will cover flights booked with points is not straightforward and depends on the policy you have and the type of points you’re using to book your flight. If you’re planning to book a flight using points, make sure to check your credit card company’s or airline loyalty program’s policy on travel insurance coverage for flights booked with points to ensure you’re protected. If you’re not satisfied with the coverage offered, consider purchasing a third-party travel insurance policy, but be sure to read the fine print carefully.
| Question | Answer |
|---|---|
| Will travel insurance cover flights booked with credit card rewards points? | Most credit card companies offer some form of travel insurance for their cardholders, which can include coverage for flights booked with credit card rewards points. However, each credit card company has its own policy regarding travel insurance coverage for flights booked with points. Some may require you to pay a portion of the flight cost with your credit card to be eligible for coverage, while others may require you to book directly through their travel portal to be covered. |
| Will travel insurance cover flights booked with airline loyalty program points? | Most airline loyalty programs offer some form of travel insurance for their members, but the coverage can vary greatly depending on the program and the policy you have. Some may only cover trip cancellations, while others may also offer coverage for lost luggage or emergency medical expenses. |
| Should I consider purchasing a third-party travel insurance policy? | If you’re not satisfied with the travel insurance coverage offered by your credit card company or airline loyalty program, you may want to consider purchasing a third-party travel insurance policy. However, it’s important to note that not all third-party travel insurance policies will cover flights booked with points, so you’ll need to read the fine print carefully before purchasing a policy. |
| What should I do before booking a flight with points? | Before booking your flight with points, make sure to check your credit card company’s or airline loyalty program’s policy on travel insurance coverage for flights booked with points to ensure you’re protected. If you’re not satisfied with the coverage offered, consider purchasing a third-party travel insurance policy, but be sure to read the fine print carefully. |