Monday, July 4, 2022

Does Travel Insurance Cover Airline Strikes

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Will My Passport Be Valid For Me To Travel This Summer

Travel insurance: What it covers, what it doesn’t

As travel restrictions start coming to an end, it’s advisable to check your passports before travelling and booking summer holidays this year.

The government is advising it can take longer than the usual three to six weeks to process passport applications. It also states that you shouldn’t apply unless you require one for compassionate reasons, such as a death in the family or government business.

Even with the travel ban lifted, receiving essential travel documents can delay the process for booking a holiday this summer. So it is advised not to book a new holiday until you have received a new passport, if your current one has expired or is due to expire.

It’s also important to remember that your new passport will not have the same as your old one.

This advice as of June 2020 is being kept under constant review.

Will I Get Compensation Because Of An Airline Strike

Provided youve had at least two weeks notice of the strike, or the airline can offer you a rerouted flight that isnt much different to your cancelled one, you wont be entitled to any compensation.

But if the strike is announced fewer than 14 days before youre due to travel, or youre left stranded because of a strike, you have certain rights.

You have the right to a refund or an alternative flight, provided the flight:

  • was between the UK and EU
  • or was operated by a UK-based airline

But although passengers typically have the right to compensation if flights are cancelled or severely delayed, this might not apply if the reason for the delay is a strike. Thats because strikes are often considered to be extraordinary circumstances outside of the airlines control.

However, this can depend on who is striking and the country where the disruption takes place. Strikes by airport staff tend to be considered as extraordinary circumstances. But if the action is being taken by the airlines own staff for example, a pilot strike you could be entitled to compensation.

Travel Insurance Airline Strike Coverage

I will be going to Spain in Late August 2017 for the Best of Spain tour and am finding the flight I want is not covered by Travel Guard AIG for trip cancelation and interruption coverage due to a Airline Strike.My tenative flight is with Norweigian Air Shuttle direct from Oakland CA to Barcelona. I will also be flying local carriers with-in Spain to go from one tour to another which is also not covered for Strikes.

Has anyone come across this before?It seems only European Carriers are affected by this list:

Probably my next thing to do is to ask Norweigian if they offer additional Flight Travel Insurance covering strikes. Any help of insight would help.Thanks,

Are you sure you wouldn’t be covered? The Norwegian Air strike coverage date ended in March 2015. And I do see a Spanish airline pilot strike, but that is from 6 years ago.

I’d suggest double-checking by calling TravelGuard, but the way I read their strike list is that if there is a strke with Norweigian Airlines, then you WOULD be covered . For the general Spanish Pilot strike, I read it that you would NOT be covered for a pilot strike in Spain .

If you were to buy trip insurance through an airline, I think such coverage would be only for your flight, not your tour. But, if you purchase other insurance for just your tour and your flight prevents you from getting there, if that other trip insurance excludes a pilot strike for one of your flights, then you may be out of luck.

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Which Insurers Covers Strikes

Every insurer will offer varying degrees of cover. As always, benefits will differ across ranging cover levels. The following summarises the strike benefits across a range of travel insurers:**Click on the plus icon to see more detail**

General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn’t. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.

Consider Booking Other Routes

Flight Delays and Cancellations: Your Rights

If you really can’t deal with not knowing if your flight will be subject to disruption, such as if you have a business meeting that can’t be changed or cancelled, you may wish to consider alternative travel plans, regardless of the extra cost. For example, you may wish to book similar flights with similar but different airlines, or to a different nearby airport if it is the whole airport affected by the strike. You may also want to book another route if you have an important connecting flight which you may otherwise miss if you don’t make alternative travel arrangements.

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Does My Travel Insurer Need To Be Involved

The first port of call when seeking redress for delays or cancellation should be the airline, not the travel insurer, which is unlikely to be of much help, according to Which? It is worth checking what travel insurance you already have many bank accounts, for example, may include holiday cover. But even if your travel insurance policy does offer compensation for a delay, in most cases this will only cover extra expenses such as food and drink at the airport, says Leach.

In the case of holidays having to be abandoned as a result of severe delays or cancellations at a busy time, such as during the calamitous drone incident at Gatwick last year, a decent travel insurance policy should cover the cost of travellers having to abandon their plans including hotel and car hire cancellation at their destination.

The devil is in the detail, however. Research from GoCompare.com shows that 90% of policies offer some cover for abandoning a holiday after an extended delay with maximum payouts ranging from £250 to £12,500, with most bunched around £3,000 to £5,000.

What Does Travel Insurance Cover And How Has Covid

If you’re thinking of booking a holiday abroad this summer, you want to know that you have cover if you need to cancel because of lockdown.

People may be wondering if you can get your money back if you cancel a holiday, and if travel insurance covers flight cancellation. There’s also the question of the decision to cancel a holiday even if your airline or travel company is prepared to take you some people with existing bookings do not feel comfortable travelling abroad at this time.

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Luggage Lost Due To Personal Negligence

It happens to every traveler at least once in their lives. They’ve either forgotten to grab those headphones they left in the seat-back pocket, did not pick up a camera from under their seat, or simply left a jacket in the overhead compartment when they deplaned. Or perhaps a piece of luggage ended up confiscated after that friendly person in the seat across forgot to keep an eye on it. A travel insurance plan will cover pieces lost in these situations, right?

Unfortunately, many travel insurance policies do not cover items that are lost or confiscated. In these situations, an insurance provider will assume that a traveler would take reasonable measures to keep personal effects under their control. Should an item get left behind on an airplane, or a traveler loses supervision of their items in a public place, then their travel insurance policy may not cover associated losses.

But what about a more extreme situation – such as an item being confiscated by the Transportation Security Administration? Under these circumstances, travelers may be able to file a claim with the TSA ombudsman for their loss, but travel insurance may not cover everything. When purchasing a policy, make sure to understand how these unique situations may affect the ability to file a claim.

What Is Trip Cancellation Insurance

Is Travel Insurance Worth The Cost? | NBC Nightly News

Trip Cancellation insurance is designed to make you “whole” again, reimbursing you for unused, non-refundable, pre-paid trip costs if youre prevented from taking your trip due to a covered reason.

If youre forced to cancel your trip, how much of that pre-paid trip cost could you get back? There are often cancellation penalties tied to travel purchases and you could get a portion of your trip costs back or none at all. Those penalties tend to get more severe as the departure date gets closer. This is where travel cancellation insurance can help you.

Many things can happen between the time you book your trip and the start of your vacation that could affect you, your traveling companions or family members and force you to cancel your tripsickness, job loss, and even flight cancellations due to adverse weather or an airline strike. Luckily, travel insurance is a small investment against the full cost of a trip and usually includes Trip Cancellation coverage that can provide reimbursement for a canceled trip.

Learn more about travel insurance:

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What Happens If I Am Stranded Abroad

Though many travellers joke about the potential joy of being stranded in Orlando or on the sunny Spanish coast, the reality can be a nightmare.

In this situation, the rules are once again different for travellers who have booked DIY trips and those who have booked a package holiday.

If your airline cannot get you home because of a strike, they should provide you with accommodation and reasonable costs for food and drink. It is highly unlikely that they will pay for you to dine on lobster and Champagne, so find out what they are offering and, if they want you to make your own arrangements, eat and drink sensibly and keep all receipts.

Travellers on package holidays will be offered the same or similar accommodation and provided with food and drink, according to the terms and conditions of their booking.

In both events, every effort will be made to get you home as quickly as possible.

Does Travel Insurance Cover Cancellation For Any Reason

Different travel insurance policies will cover different things, but heres an idea of what you can expect to be covered, as well as the common exclusions.

Common inclusions :

  • Known illness of a close relative
  • Injury and illness related to alcohol or drugs
  • Organised strike action

As always, make sure you check this with your travel insurance provider, before you take out a policy and prepare to travel, to avoid a nasty surprise.

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Insurers Who Offer Additional Cover

Columbus Direct Insurance

Columbus include cover for travel delay, missed connection and abandonment in their standard insurance policy. This covers situations such as unforeseen strikes by airline/air traffic staff or other major weather or natural disasters which might close an airport and mechanical breakdown. Remember though – cover would not be extended to events already known about, such as declared strikes.

Columbus Direct travel insurance provides cancellation cover worth up to £5,000 per policy, and insures policyholders and their families for the extra costs involved of alternative accommodation and / or getting home by alternative means .

Aviva

Aviva’s upgrade policy, Travel Disruption Cover covers areas such as strikes and industrial action, and natural disasters up to a maximum of £5000. More information can be found in our feature on Aviva Travel. Aviva cover those up to 79 years old.

Aviva sell the upgrade online – click to say that you want their travel disruption cover option – which means you also get an up to 10% online discount.

The Extended Cancellation cover within the Travel Disruption option will cover you for:

  • Deposits you have paid for your Trip and cannot get back
  • Your unused travel and accommodation costs , which you have paid or legally have to pay and cannot get back
  • Unused kennel, cattery or professional pet sitter fees, which you have paid or legally have to pay and cannot get back up to your policy limit.

What If The Staff From The Airline I Am Traveling With Go On Strike Or Threaten Industrial Action

What to do if there is an airline strike 2019

If your travel plans are affected by the strike you should have cover under the Travel Delay section of your travel policy as long as you bought your travel insurance policy before the strike dates became common knowledge.

The travel delay and abandonment section of a policy generally provides a fixed benefit for every 12 or 24 hours you are delayed due to strike or industrial action. It is designed to cover extra expenses such as food and drink whilst you are waiting at the airport.

Alternatively, if you are delayed for over a certain period of time, usually 24 hours, you can choose to abandon your holiday and make a claim from your policy for the cost. Check the terms and conditions of your travel insurance policy for more details You usually have to have checked in for your flight in order to make a claim, and you will need to get a letter from your airline confirming the delay. Terms and conditions apply, please make sure the level of cover you have chosen will suit your needs before you purchase your policy.

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Does Travel Insurance Cover Airport Or Airline Strikes

What happens if your flight is cancelled due to a strike? When an airline goes on strike it can of course, have a massive impact on your travel plans.
As you scramble to find bookings on other flights, airports and nearby hotels will fill up with stranded travellers, leading to growing lines and thinning patience. Travel insurance wont alleviate the headache of dealing with these delays or inconveniences but buying the right travel insurance may help protect you against unexpected out-of-pocket expenses.
Does Travel Insurance Cover Airline Strikes?
Travel insurance can certainly help in the event of an airline strike but, as with all travel insurance, its important to understand the role of the insurance policy in mitigating any strike-related issues, and when these benefits may or may not apply.
Understanding Travel Insurance Limitations for Strikes
When travel insurance refers to known perils, it really means that its not going to cover you for something that could reasonably have been expected to happen. We most often talk about known perils in relation to weather events, like tropical storms, but the term also applies to airline strikes. Just as a storm is considered a known peril once tracked on meteorological radar, an airline strike can be considered a known peril once theres been a public announcement that a labour dispute may be imminent.
What Can You Do to Protect Yourself?

If Your Flight Is Cancelled:

Should your flight be cancelled then you may be entitled to either a full refund of the price of the flight or a replacement flight.

If delay or cancellation forces you to stay at the airport overnight, then the airline should book and cover the cost of your accommodation and any transport to and from it. If you have to book this yourself, make sure its reasonably priced.

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What Are Your Rights As A Consumer

Lockouts and strikes may result in a total or partial suspension of air traffic. This measure usually causes cancellations and delays, and you may not be able to reach your destination or get back home.

Know your rights during a flight cancellation due to strike and lockout:

  • You can exchange the ticket for the next possible departure with either the same or another airline
  • Alternatively, you can get your money back and arrange an alternative itinerary yourself.
  • If you decide to fly on the next flight, your airline should provide you with food and drinks, but only when the flight delay is more than 2 hours from the original departure.
  • You are also entitled to free accommodation and transportation to the airport if necessary.

Does Travel Insurance Cover Airline Strikes

AXA Travel Insurance for Thailand

Travel insurance can cover delay and cancellation caused by strikes. Its a good idea to buy your travel insurance as soon as youve purchased your flights, because if a strike is announced later, you could be protected.

Depending on the situation and your policy, your travel insurance could allow you to reclaim your costs if your flight is delayed for more than 24 hours, or if its cancelled and the airline doesnt book an alternative flight for you within 24 hours.

It may also cover you for costs arising from missed connections or delays caused by the strike. It wont cover the cost of the flight itself, as you could get a refund from the airline for this.

However, some travel insurance policies specifically exclude cover for strikes, so check the terms and conditions before you buy. Also, remember that a travel insurance policy wont cover you for strike action, if you buy it after the strike has been announced.

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Are There Any Exclusions In The Small Print Of Travel Insurance

Generally, travel insurance covers a wide range of risks, including medical treatment costs, loss of possessions, delay and curtailment. However, beware of the fine print as insurers will expect you to take reasonable care – so for example, if you leave possessions unattended, then they may not be covered if they are lost or stolen.

Also, beware of drinking heavily holiday. If you are drunk – which is defined as anything over the UK legal limit – your claim will not be covered if, say, you were robbed or hurt.

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