What Does Aer Lingus Travel Insurance Cover?

Customers of Aer Lingus can take advantage of travel insurance rates negotiated exclusively for them with Allianz Global Assistance Group, Europe’s largest travel insurance provider.

Not only do Allianz Global Assistance prices provide peace of mind for all of your Aer Lingus flights, but they also provide comprehensive coverage for any travel across our global network.

What is not covered by travel insurance?

Baggage delay, damage, and loss plans do not cover all of your belongings. Glasses, hearing aids, dental bridges, tickets, passports, keys, cash, and cell phones are all common travel insurance exclusions. These things are sometimes covered, but only up to a particular cost limit, so if you have several expensive electronic items (such as a laptop, tablet, and mobile phone), you may not have enough coverage to cover the loss of all of them.

What does flight insurance actually cover?

Most flight insurance policies only cover unexpected occurrences that occur during your journey. This sort of coverage, in general, covers flight delays, trip cancellation or interruption, as well as lost, damaged, or stolen luggage up to the plan limit. It also covers you if you are unable to travel on the day of your trip due to a certified medical condition. Keep in mind that because the restrictions are modest, there may be some coverage gaps.

What reasons will travel insurance cover?

Every comprehensive policy includes basic trip cancellation coverage. This will increase coverage in the event of a trip cancellation due to particular unforeseen, covered reasons.

Travel insurance plans, particularly cruise insurance plans, typically cover things like:

  • Unexpected death, illness, or damage to you or a traveling companion that renders you and/or a traveling companion unsuitable to travel, as determined by a competent physician.
  • Jury service or appearing as a witness in court are examples of legal obligations.

The specifics differ from one provider to the next and from one plan to the next. If you must cancel, you will be fully compensated for the prepaid, non-refundable travel costs for which you are covered and can produce documentation. All of this protection is only available if the trip is canceled due to an unforeseeable covered reason.

What does insurance on a flight mean?

Only the cost of your flight is covered by flight insurance, not all of your booked and nonrefundable trip expenses. In most cases, if a problem covered by your flight insurance coverage causes your travel plans to be thwarted, you will only be reimbursed for nonrefundable airline costs. Policies can cover everything from modest refunds to lost or damaged luggage.

  • Storms and blizzards are examples of bad weather that cause flight disruptions.
  • Unexpected aircraft delays, such as equipment malfunction, that cause you to miss a connection.

While airline insurance policies differ depending on the type of plan and the insurer, there are a few typical perks that may be included in flight insurance plans:

  • If your flight is delayed for the period of time defined by the insurance, you will receive a payout up to a set amount. We looked at a Berkshire Hathaway Travel Protection policy, for example, that pays a $50 “inconvenience charge” if your flight is delayed for at least 120 minutes.
  • Trip interruption or cancellation coverage reimburses you for prepaid and nonrefundable airline fees if you have to cancel or return home early due to a situation covered by the policy.
  • Coverage for lost or delayed baggage reimburses you up to the policy limit for lost or delayed baggage. A Flight Insure Plus plan from Travelex Insurance Services, for example, provides up to $1,000 in luggage and personal belongings coverage.
  • Travel assistance: You can use this advantage to help you rebook your flight or make other travel arrangements.

Does travel insurance cover a pandemic?

COVID-19 is currently covered by a limited number of travel insurers. If you test positive for COVID-19, it will most likely only cover medical, quarantine, and cancellation charges. However, if you are unable to travel due to lockdowns at home or at your intended destination, travel insurance is unlikely to cover cancellation.

Does travel insurance cover flight cancellation?

When you have to cancel a trip due to serious illness, a death in the immediate family, a natural disaster, or another reason specifically covered by your policy, travel insurance can compensate you for the nonrefundable portion of your airline expenditures.

Does travel insurance cover stolen money?

The loss or theft of some cash is usually covered by most travel insurance policies, but only up to a specified amount. The amount of coverage you have is determined by the insurance and if it is standard. Some policies also cover papers, such as your passport.

Is flight insurance worth getting?

Though travel insurance may cost 5 to 10% of your trip cost, it is typically well worth the money because it can reimburse you for hundreds of thousands of dollars in covered travel-related charges such as emergency evacuation, medical bills, and trip cancellation and interruption costs.

Does travel insurance cover Covid cancellation?

From the 17th of June to the 5th of September 2020, policies will cover travels to any international destination that the FCDO hasn’t advised against, as well as all or part of but required travel when the time comes to leave. They’ll also cover trips within the United Kingdom if current government guidelines allows it.

These policies pay for emergency medical treatment or transportation home in the event of a Covid-19-related illness while you’re overseas. However, under any other portion of the policy, Covid-19 or any related or modified form of Covid-19 is not covered.

If you purchased a policy between these dates, you will not be able to make a claim for costs incurred as a result of canceling or shortening your trip due to Covid-19.

Please check with your airline, tour operator, or travel company to see if your trip can be rescheduled. We can extend the coverage duration of your policy by up to one year from the date of purchase.

The following is subject to your policy’s terms, restrictions, and benefit limits.

What is considered a covered reason for trip cancellation?

The following are covered causes for trip cancellation in most, but not all, comprehensive trip insurance plans:

  • Injuries or illnesses to the insured, a travel companion, a family member, or a business associate
  • Inability to stay in a foreign country due to illness or the death of host family or friends

It’s worth noting, though, that travel insurance plans differ in terms of coverage. You’ll have to look up the exact list of covered reasons in your plan.

If you have to cancel your trip, the cause for the cancellation must fall under one of the covered reasons for trip cancellation. Essentially, unless the reason you’re canceling is one of the covered grounds for trip cancellation under the policy you purchased, you won’t get a check from the travel insurance company to reimburse your trip expenditures. You must read and comprehend the plan’s coverage description attentively.