With flights filling up again and becoming more expensive, many travelers may consider travel insurance, but NBC4 Respond has a warning.
Angelica bought her mom and aunt airfare to visit her.
“I finally found something under Expedia,” he said. “So, actually, I kept it and bought it, but the condition was it couldn’t be moved or I couldn’t cancel it.”
The fare was as little as $ 793, and to make sure he was covered for any unexpected issues, he purchased travel insurance offered by Expedia at checkout for an additional $ 57.94. It says the protection includes “cancellation of travel up to $ 100,000 for covered ticket costs” as a result of “covered illness, injury, involuntary loss of employment, bad weather, and so on. “
Angelica thinks she’s covered up no matter what.
“It seemed simple, it seemed promising, and I didn’t find anything, any details, that would give me problems later,” he said.
After he buys the tickets, the trip has to be rescheduled due to the family’s medical issue. Angelica wasn’t worried because she bought travel insurance for that reason.
“At first I contacted AIG, and then when I told them, they said, well, yes, you can file a claim, thinking it’s already guaranteed, but you have to cancel the trips first. , “he said.
Angelica did that through Expedia and then submitted a claim to AIG, the insurance company that covered her trip, but instead of a refund, her claim was denied.
According to the insurance company, his reason for canceling the trip did not “fall into one of the named, covered risks under the trip cancellation benefit.”
That was a complete surprise to Angelica, and travel insurance experts say that kinds of surprises are common.
“I don’t think they read the policy,” Suzanne Moreau of InsureMyTrip said.
“So, I think it’s a bit of a deception for the consumer when you buy online, because there doesn’t seem to be a lot of information, ”he said.
Angelica said she only read the large print at checkout and did not click on a link that provided details of the fine print showing that she was not covered as she thought.
To avoid travel insurance surprises:
- Don’t feel rushed about buying it at checkout, it can be purchased after booking a trip, but watch out for deadlines.
- Some plans allow insurance cancellation 15 days before a trip as long as no claim is filed.
- Not all policies are the same, so always read the policy before buying it, and buying the insurance offered at checkout is not necessary.
The travel insurance company and the airline agreed to give Angelica a partial refund and a credit for the upcoming trip, for which she was very happy.