No one wants a trip that was carefully planned in advancevia a thorough review of cheaptravel options including cheap airplane tickets, discount hotel rooms, discounttravel deals, and cheap vacation packages, tolater be ruined by the unexpected.
Travel insurance works best in simple situations where youprepay for vacation components. Forexample, trip cancellation often comes into play when you or a loved one getssick or has an accident that prevents your travel. Trip interruption insurance can help whensomething happens to prevent you from reaching your destination or stayingthere.
Many problems that often arise while traveling fall aroundthe edges of travel insurance policies and may not be covered.
The following are surprisingly common travel nightmaresthat standard travel insurance often does not cover and how you might be ableto avoid or remedy it:
Securitydelays are typically not covered if you miss a plane due to excessively longlines at airport security. While thedelay is not your fault, neither is it the fault of your airline. If you travel via busy airports, considersigning up for TSA Precheck where it is available.
Bumpingis typically not covered, nor is missing later connections as a result ofmissing one of your flights due to bumping.
Mileageflights that are canceled or otherwise impacted do not result in insurancereplacing or paying for points. Insurance may, however, cover the cost of redepositing unused milesthereafter.
Lostlodging reservations are not covered by travel insurance. You will have to pursue any compensation withthe company or travel agent that was responsible.
Doublebooked accommodations are treated the same as a lost reservation. If someone else is in the accommodation youbooked, travel insurance usually does not cover the problem.
Notas advertised accommodations are not covered. Sometimes an accommodation viewed in person is a lot less attractive thanit looked online. Researchingaccommodations on review sites is your responsibility.
Ticketscams for event or sightseeing excursions typically is not covered byinsurance. You need to make certain upfront that you are using a trusted ticket or tour outlet.
Lastminutes changes due to your cruise line or tour operator making itinerary orexcursion changes, are typically not covered unless it involves completecurtailment. You only recourse is to contactthe responsible operator for the changes regarding compensation.
Poordestination conditions are disappointing but not coverable. If you arrive at a golf or tennis resort andit rains the entire time or there is no snow at a ski resort, travel insurancewill not compensate you for your loss.
Note, that even cancel for any reason insurance will nothelp you with the above problems. Anyreason coverage usually ends 48 hours prior to your departure.
Remember that you best recourse will be to follow up withwhatever supplier made promises when they took your money. Many suppliers are often good aboutaccommodating travelers they have inconvenienced. Know that looking to your insurance to coversituations like the ones above is a waste of your time.
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