Strike Coverage

3 October 2011

This coverage reimburses up to 100% of your pre-paid, nonrefundable travel costs when you are prevented from taking your trip due to an unannounced strike. This is a listed covered reason under trip cancellation coverage and trip interruption coverage.

Contents (click to jump down)
What does Strike Coverage cover?
Important notes about this coverage
What type of policy covers this?
How much coverage does each company provide?
Summary

Let us tell you a story

Jim planned to go fly fishing with his brothers, as they did every summer, but it had been a tough year and Jim was concerned about losing his money if he had to cancel for some reason. So, he purchased travel insurance with trip cancellation coverage.

When he heard that the unions had announced a strike at the airport he was planning to fly from, he contacted the travel insurance company who helped him file a trip cancellation claim. Jim decided he could do the long drive to the fly fishing break instead, and he received a check a couple weeks later.

What does Strike Coverage cover?

As part of the covered reasons for pre-trip cancellation, this coverage ensures reimbursement for your pre-paid nonrefundable trip costs if a strike causes a complete cessation of travel for a period of time and affects your itinerary prior to starting your trip.

Important notes about this coverage

  • Plans typically indicate the minimum number of hours (usually 12-24) that services must be stopped before coverage will apply.
  • The strike must not be announced prior to your plan’s effective date.
  • This coverage does not include general strike scenarios where most of the workers of a county, city, province, or state cease working.

What type of policy covers this?

This is a covered reason for trip cancellations, and as such, it is found in travel insurance package plans with trip cancellation coverage.

How much coverage does each company provide?

PlanCompanyHours
BasicAllianz24
ClassicAllianz24
DeluxeAllianz24
CustomCSANone
Custom LuxeCSANone
NoneFrontierMEDEX
EssentialsGlobal Alert12
PreferredGlobal Alert12
Preferred PlusGlobal Alert12
Trip Protect e-SaverHTH WorldwideNone
Trip ProtectorHTH WorldwideNone
Trip Protector PreferredHTH WorldwideNone
Patriot T.R.I.P.IMGNone
Patriot T.R.I.P. EliteIMGNone
Patriot T.R.I.P. StudentIMGNone
AssetMH Ross12
BridgeMH Ross12
CompleteMH Ross12
RoundTripSeven Corners48
RoundTrip ChoiceSeven Corners48
RoundTrip EconomySeven Corners48
RoundTrip EliteSeven Corners48
PlatinumTravel GuardNone
GoldTravel GuardNone
SilverTravel GuardNone
My TravelGuardTravel GuardNone
Savvy TravelerTravel GuardNone
BasicTravel GuardNone
Tee, Tour, and TravelTravel GuardNone
Sportsman's TravelTravel GuardNone
Adventure TravelTravel GuardNone
EliteTravel Insurance ServicesNone
PlusTravel Insurance ServicesNone
BasicTravel Insurance ServicesNone
Worldwide Trip Protector GoldTravel Insured24
Worldwide Trip ProtectorTravel Insured24
Trip Protector Lite ExpandedTravel Insured24
Trip Protector LiteTravel Insured24
Airline Ticket ProtectorTravel Insured24
BasicTravelexNone
Travel SelectTravelexNone
Travel MaxTravelexNone
TraveLiteTravelex24
Travel PlusTravelex24
Vacation ClassicTravelSafe12
Protect-a-GroupTravelSafe12

Summary

  • Not all travel insurance plans have coverage for labor strikes, so carefully review your plan’s covered reasons
  • This coverage may be limited to non general strikes
  • The strike must be unannounced when the plan is purchased
  • There is a minimum number of hours that services must be unavailable before the coverage is applicable
Share
Damian Tysdal
Author
DamianTysdal

Damian Tysdal is the founder of CoverTrip, and he believes travel insurance should be easier to understand. He started the first travel insurance blog in 2006.

Damian Tysdal is the founder of CoverTrip, and he believes travel insurance should be easier to understand. He started the first travel insurance blog in 2006.