Read the fine print when buying travel insurance – NBC4 Washington

With flights filling up again and getting more expensive, many travelers may be considering travel insurance, but NBC4 Responds has a warning.

Angelica bought her mother and aunt a plane ticket to visit her.

“I finally found something under Expedia,” she said. “So, actually, I went ahead and bought it, but the condition was that it’s not transferable or I can’t cancel it.”

The airfare was just over $793, and to ensure she was covered in case something unexpected happened, she purchased travel insurance offered by Expedia at checkout for an additional $57.94. It says the protection covers “trip cancellation up to $100,000 for the cost of the covered ticket” resulting from “illness, injury, involuntary job loss, severe weather, etc.”

Angelica thought she was covered no matter what.

“It looks simple, it looks promising, and I haven’t found anything, any details, that will give me trouble later,” she said.

After purchasing the tickets, the trip had to be postponed due to a family medical issue. Angelica wasn’t worried because she had taken out travel insurance for this.

“I contacted AIG first, then when I told them, they said, well, yes, you can file a claim, thinking it was already secured, but you have to cancel the flights first” , she said.

Angelica did so through Expedia, 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, the reason she canceled the trip did “not fall within one of the risks named and covered by the trip cancellation indemnity”.

It was a total shock for Angelica, and travel insurance experts say these types of surprises are common.

“I think they don’t read politics,” said Suzanne Moreau of InsureMyTrip.

So I think it’s a bit trickier for the consumer when you’re buying online, because there doesn’t seem to be a lot of information,” she said.

Angelica said she only read the large print at checkout and didn’t click on a link providing the fine print details that showed she wasn’t covered as much as she was. thought.

To avoid travel insurance surprises:

  • Don’t feel rushed to buy it at checkout, it can be purchased after booking a trip, but beware of time limits.
  • Some plans allow cancellation of coverage 15 days before a trip as long as no claim has been filed.
  • Not all policies are the same, so always read the policy before purchasing, and purchasing the insurance offered at checkout is not necessary.

The travel insurance company and airline agreed to give Angelica a partial refund and credit for future travel, which she was very happy about.

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