Trip insurance, cancellation Airfare what happens

[Ladygoldenhair]

Wonder if anyone can tell me the restrictions on any airfare if my friend cancels due to unexpected illness.no pre existing conditions, she is 65, but I more concerned if she gets the flu what happens to her airfare. We still plan to go, but if I were unable to go, the trip would be cancelled.

Airline is Allegiant, rebooking is $75, total airfare was $200 round trip. (Including $20 check bag and $16 stowed bag)

Thanks so much, we have never had to use any coverage, and always purchase.
She purchased her tickets a few weeks after us.

TRIP CANCELLATION / TRIP INTERRUPTION

Whenever You are prevented from taking or completing a Covered Trip as a result of any of the unforeseen events listed below, We will reimburse You up to the Maximum Benefit Amount for Trip Cancellation or Trip Interruption, for the following expenses:

1) any unused non-refundable prepaid expenses for Travel Arrangements;

2) any Published Penalties You incur as a result of a trip cancellation;

3) one way Economy Transportation, less the value of any unused return travel ticket, to return to the Point of Origin or to continue on Your Covered Trip when an interruption in Your Covered Trip occurs;

This is a second part I'm confused:
Single Supplement Upgrade

We will reimburse You for the single supplement upgrade cost when Your Traveling Companion cancels his or her travel plans with You, or interrupts Your Covered Trip as a result of one of the unforeseen events listed below, and You decide not to cancel or interrupt Your Covered Trip.

TASSU-1AA

Unforeseen Events

As used in this provision, unforeseen events are as follows:

1) Any serious Injury or any serious Sickness occurring to:

a) You, which results in medically imposed travel restrictions as certified by a Physician at the time of loss;

b) Your Business Partner or a Traveling Companion, which is so disabling as to cause a reasonable person to delay, cancel, or interrupt his/her trip;

c) Your or Your Traveling Companion’s Family Member that is considered life threatening or requiring hospitalization; or

d) Your or Your Traveling Companion’s Family Member requiring Your or Your Traveling Companion’s immediate care.

TCIUE-1AA

2) Your death, the death of Your Family Member, Business Partner or Your Traveling Companion or Your Traveling Companion’s Family Member.

TCIUE-2AA

 

[kaytieeldr]

Single supplement generally applies to cruises, and possibly all-inclusive resort vacation s (like Sandals).

 

[Ladygoldenhair]

Single supplement generally applies to cruises, and possibly all-inclusive resort vacation s (like Sandals).

Okay, no cruise this time.

 

[keishashadow]

was coverage purchased just for the air portion of the trip (through the airline perhaps?) or was it a comprehensive policy purchased to cover all of the trip components?

Regardless, for a definitive answer to your question, call the broker or the insurer directly at the number listed on the policy.

Note that the person affected would likely need to advise of this situation as soon as possible to determine exactly what the procedures are to follow. Likely would need to submit medical documentation from attending doctor advising that travel isn't possible.

good luck.

 

[Lewisc]

Wonder if anyone can tell me the restrictions on any airfare if my friend cancels due to unexpected illness.no pre existing conditions, she is 65, but I more concerned if she gets the flu what happens to her airfare.

Many polices cover pre-existing conditions, if you buy soon after your first payment. The time period varies by carrier.

To be clear, it's not enough to say you have the flu. A doctor has to say you're too sick to fly. There are a lot of reasons a person might cancel a trip which aren't covered by insurance.

 

[Ladygoldenhair]

Thanks for input.
We bought the policy as a general travel, not the airline coverage. There is no way short of incapacitation from a flu we would ever miss the trip. So excited to go, this is her first and perhaps only trip.

I'm leary of claims after a recent cruise trip, it covered stitches, but didn't pay for their removal when we got home. Before this I had too much faith in my travel insurance.

So I guess I was wondering if anyone actually had to ever use the insurance. I am preparing myself if Heaven forbid she or I couldn't travel, Is the claim process even worth it for the airfare.

The medical part I know is worth the purchase. Few times it was not purchased I paid medical and dental emergency cost out of pocket.