What Does Flight Insurance Cover?

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Booking a flight can be an exciting experience, whether you are travelling for leisure, business or to visit loved ones. However, one thing that is often overlooked is the importance of having flight insurance. Flight insurance is a type of coverage that provides financial protection in case of an emergency or mishap during your flight. In this article, we will discuss what flight insurance covers and why it is important to have this type of coverage.

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What is Flight Insurance?

Flight insurance is a type of travel insurance that provides financial protection when you are travelling. It is designed to cover unexpected events such as flight cancellations, delays, lost baggage, medical emergencies, and accidental death or dismemberment.

Flight insurance can be purchased from your airline, travel agent or insurance company. It is important to read the policy carefully to understand what is covered and what is not covered under the policy.

What Does Flight Insurance Cover?

Flight insurance covers a range of unexpected events that can happen before, during or after your flight. Here are some of the common events that are covered under most flight insurance policies:

Event
Coverage
Flight Cancellation
Reimbursement for the cost of your flight if it is cancelled due to weather, mechanical failure or other covered reasons.
Flight Delays
Reimbursement for hotels, meals and other expenses if your flight is delayed for a certain period of time.
Lost or Delayed Baggage
Reimbursement for the cost of your lost or delayed baggage, up to a certain limit.
Medical Emergencies
Reimbursement for medical expenses, emergency medical transportation and medical evacuations.
Accidental Death or Dismemberment
Pays a lump sum to your beneficiary in case of accidental death or dismemberment during your flight.

Why is Flight Insurance Important?

Flight insurance is important because it provides financial protection in case of unexpected events. For example, if your flight is cancelled due to bad weather, flight insurance can help you get a refund for the cost of your ticket. If your baggage is lost or delayed, flight insurance can help cover the cost of replacing your items.

Medical emergencies can also happen during a flight. Flight insurance can provide coverage for medical expenses, emergency medical transportation and medical evacuations. Without this coverage, you may end up paying a lot of money out of pocket for medical expenses.

Accidents can also happen during a flight. Accidental death or dismemberment coverage provides a lump sum payment to your beneficiary in case of accidental death or dismemberment. This coverage can provide financial support to your loved ones during a difficult time.

FAQ

How much does Flight Insurance cost?

The cost of flight insurance varies depending on the type of coverage and the length of your trip. On average, flight insurance can cost between 5-15% of the cost of your flight. It is important to shop around and compare prices from different providers to find the best deal.

Can I purchase Flight Insurance after I book my flight?

Yes, you can purchase flight insurance after you book your flight. However, it is recommended to purchase flight insurance at the same time you book your flight to ensure you are protected from the beginning of your trip.

Does Flight Insurance cover trip cancellation due to COVID-19?

It depends on the policy. Some flight insurance policies may provide coverage for trip cancellation due to COVID-19 if the cancellation is due to illness or if the country you are travelling to has issued a travel ban. It is important to read the policy carefully and contact the provider for more information.

What is the difference between Flight Insurance and Travel Insurance?

Flight insurance is a type of travel insurance that provides financial protection specifically for flights. Travel insurance, on the other hand, provides coverage for a range of travel-related events such as trip cancellation, medical emergencies, lost luggage, and more.

Does Flight Insurance cover business travel?

Yes, flight insurance can cover both leisure and business travel. It is important to choose a policy that meets your specific travel needs.

Conclusion

Flight insurance is an important type of coverage that provides financial protection during your flight. It is designed to cover unexpected events such as flight cancellations, delays, lost baggage, medical emergencies, and accidental death or dismemberment. It is important to read the policy carefully to understand what is covered and what is not covered under the policy. With flight insurance, you can travel with peace of mind knowing that you are protected in case of an emergency.

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