There are a few ways that travel insurance covers a traveler’s airfare for short- and long-term travelers. While at least some airfare will likely be purchased prior to your trip, if something happens along your trip then you may have to purchase emergency airfare to return home. A traveler who wants to ensure they won’t have a lot of additional airfare costs, will want to know “Does travel insurance cover airline tickets?“
Depending on the type of trip you’re taking (which we’ll get into in a minute), travel insurance covers airfare like this:
Each coverage listed above may have a maximum limit on how much the travel insurance company will pay. For example, some travel insurance plans will put a limit on the trip interruption coverage, so if you’re trying to get a family of six home from Italy due to an emergency, you may not have enough. Select the coverage links above to see the limits placed on individual plans.
The type of trip you’re taking also matters. If you’re taking a vacation or business trip – something with a definite destination and a definite return date – then you’ll buy a trip protection plan to cover that trip. The airfare you buy to take that trip, and any emergency airfare you need if you have to return quickly home will be covered under the cancellation portion of your plan.
If, however, you’re taking an open-ended, round the world trip, you’ll likely buy a one-way ticket and then continue buying the airfare you need to each subsequent destination as you go. In that case, you’ll buy a long-term travel medical insurance plan or an annual travel protection plan and you won’t have the same level of cancellation protection. Depending on the plan, however, your airfare to return home quickly will be covered under the trip interruption portion of your plan.
Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.