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Whether it’s a canceled flight, lost baggage or an unexpected medical emergency, these events are not only disruptive, they can also be expensive. Purchasing a travel insurance plan can help mitigate some of the cost when your plans go awry.

According to Squaremouth, a travel insurance comparison site, travelers paid an average of $6,158 for a 16-day trip over the past year. That’s a lot of money on the table if an unexpected occurrence derails your plans.

One option to minimize this loss is purchasing travel insurance, such as coverage from Delta Air Lines’ plan. Here’s what to know about Delta’s trip protection policies.

Delta travel insurance plans

Delta offers international and domestic travel insurance that is administered by Allianz Global Assistance .

Its policies provide you reimbursement for some, or all, of your covered travel purchases and emergency medical expenses in the event of a disruption or delay.

Unlike dedicated travel insurance providers that offer annual or multi-trip plans , Delta’s plan is available for single-trip coverage only. However, you can purchase coverage for multiple individuals, as long as each person is named on the travel insurance plan.

» Learn more: What to know before buying travel insurance

What does Delta travel insurance cover?

Delta’s travel insurance option can be a convenient way to secure travel insurance, and it provides coverage for quite a few common scenarios, such as delayed baggage, trip cancellation and medical expenses.

However, coverage levels for some benefits will vary depending on where you live.

Generally, Delta’s trip protection includes the following:

Trip cancellation and trip interruption. You’ll get the nonrefundable part of your prepaid reservation back if you need to cancel or cut your trip short unexpectedly due to a covered event. Delta’s coverage limits for trip cancellation and trip interruption are based on the limits set for the state you live in.

Emergency medical and dental protection. If you experience an emergency illness or injury while on your trip, Delta travel insurance covers up to $10,000 in medical and dental expenses you incur for a covered occurrence. 

Emergency medical transportation. You might not always be near a hospital or urgent care facility when you are injured. For example, hiking in a remote location may require an emergency helicopter ride to a hospital. In this scenario, Delta’s travel insurance offers an emergency medical transportation benefit of up to $50,000.

Travel delay. Travelers who experience a trip delay of six or more consecutive hours can receive meal and accommodation reimbursements. The maximum coverage limits depend on your state of residence. 

Lost or damaged baggage. If your baggage is lost, damaged or stolen, Delta travel insurance reimburses you up to $500 for your personal items.

Baggage delay. This protection covers you when you need to replace essential items in your baggage because your baggage was delayed for 24 hours or longer. You can submit a reimbursement claim for up to $100 per person.

Change fees. If you need to make changes to your trip itinerary for a covered reason and it results in change fees, Delta trip protection reimburses you for this fee.

Concierge. As a traveler with Delta travel insurance, you’ll receive concierge support to help make your trip less stressful. A concierge associate can help you book restaurant reservations, provide travel recommendations and more. 

24-hour hotline assistance. If you encounter an emergency and need medical, legal or travel assistance during your trip, Delta travel insurance provides around-the-clock access to an associate who can help.

What isn't covered by Delta travel insurance?

A Delta travel insurance plan includes many categories for single-trip coverage; however, certain things that impede your travel might not be covered. Below is a list of what isn't covered under Delta’s trip protection.

Losses due to known, foreseeable and expected events.

Losses due to government restrictions, travel advisories or warnings.

Losses due to personal fear of travel.

Trips canceled due to fear of COVID-19.

Although impacted trips due to COVID-19 generally aren't covered, travelers might receive temporary accommodation under Delta’s Epidemic Coverage Endorsement.

For example, if you or someone in your travel group tests positive or is diagnosed by a physician as having COVID-19, you might be eligible for some benefits, like trip cancellation reimbursement.

» Learn more: Airline travel insurance vs. independent travel insurance: Which is right for you?

Delta international travel insurance cost

Plan rates for Delta trip protection vary based on the details of your trip — such as your destination and the total nonrefundable trip cost for all travelers — as well as your state of residence.

To get an accurate Delta travel insurance cost estimate for your upcoming flight with the carrier, use Delta’s trip protection quote tool online.

Delta also offers a window where you can cancel your trip protection plan and receive a full refund.

You must cancel your plan within 10 to 15 days of purchase (depending on your state). However, cancellations and refunds aren't available beyond this period or if you’ve already departed on your trip.

» Learn more: The best travel insurance companies

Is Delta trip protection worth it?

Ultimately, deciding whether Delta’s trip protection plan makes sense starts by assessing your risk tolerance.

If you purchased a nonrefundable flight ticket, reflect on how your finances would be affected if you had to cancel your trip and were unable to recoup the cost.

Conversely, consider your immediate finances and whether you have the budget to pay for Delta’s travel protection upfront.

On top of factoring in risk tolerance and costs, it’s a good idea to compare Delta’s coverage and limits against other travel insurance companies.

Although two different policies might offer baggage loss coverage, for instance, one might offer a maximum coverage of $500 while another covers up to $3,000. Likewise, emergency medical coverage can run from $10,000 up to $500,000 or more, depending on the policy.

» Learn more: Best credit cards for travel insurance benefits

Delta’s travel protection plan is a type of travel insurance that reimburses you for a portion of your travel expenses if you need to cancel a trip or you experience covered interruptions. It also provides other protections, like reimbursement of emergency medical expenses or lost baggage while traveling.

It can be purchased in conjunction with a Delta flight, either at the time of booking or as an add-on for existing reservations.

Delta travel insurance plans are underwritten by BCS Insurance Company or Jefferson Insurance Company, depending on the state you live in. Allianz Global Assistance is the administrator of the plans.

Yes, if you cancel within an eligible timeframe, you can receive a refund for the Delta travel insurance plan. You have 10 to 15 days after purchasing your plan (depending on your state of residence) to cancel and receive a full refund.

However, if you’ve filed a claim or have already departed on your trip, Delta’s trip protection can’t be canceled and is nonrefundable.

Before purchasing Delta’s trip protection for your next vacation, consider the existing insurance coverage you have elsewhere.

For a domestic trip, your health insurance coverage may extend to other states. You may also receive travel insurance benefits through your credit card, which would be activated if you use that card to pay for your trip.

Although Delta’s travel insurance includes many coverage categories, you could find that its coverage maximum amounts might not be sufficient for your needs.

The peace of mind of having travel insurance can be worth it. However, it’s wise to compare travel insurance policies to find the most coverage possible at a cost that’s reasonable for your budget.

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Delta Trip Protection: A Guide to Coverage, Benefits & More

Last Updated on March 27, 2024 by Rick Spiegel

Your trips are more crucial to be spent in the best possible way so that you spend your time with your family and friends peacefully. Your trip must not go into any sort of nuisance as it might become an obstacle for you in your amazing journey. In addition to this, we want you to feel more secure and satisfactory mentally and have an appeasing trip without any worrisome thoughts.

To solve this problem here comes an option of Delta trip protection . In this guide, we will discover how it can help you with complications that can occur, the guiding principles for opting for this insurance, and what it covers.

Table of Contents

What is Delta Trip Protection?

It is a travel protection plan provided by Allianz Global Assistance to help in case you feel any sort of unsettling disturbances in your vacation or travel plan. 

 Know about the type of plan it offers to you:

• Travel Protection Plan PLUS 
• Travel Protection Plan. 

Here are the details for both of them:

What does Delta Trip Protection Cover?

Delta travel insurance is a suitable and befitting way to cover various potential issues that you might face on your travel occasions. Here are the following and how insurance plans can help you ou t.

Stolen Lost and Damaged Belongings

If your baggage items get lost due to any of the reasons Delta travel insurance compensates you up to $500 for your essential items.

Emergency Medical Conveyance

If you suffer from any medical emergency the insurance policy will help you cover the expenses of transportation.

Emergency Medical and Dental Help

Expenses will be reimbursed covering your medical and dental care.

Nonrefundable Travel Expense

You will get back the nonrefundable travel expense of your trip.

Compensation for meals and accommodation when travel is delayed for 6 or more consecutive hours.

Baggage Delay

If your luggage is late by 24 hours or more Delta Trip Protection will compensate you for the replacement of essential items.    

Budget Itinerary Fee Changes

In case you want a change in your fees and have a different budget the insurance will compensate you for that.

Cancellation of the Trip

Illness, injury, or a family emergency Delta travel insurance covers up to $10,000 for these issues.

Change in Fees

You will get back the fees if you need to change your Flight itinerary due to a covered reason. 

What Delta Trip Protection doesn’t include in its plan?

Travel plans affected due to covid 19 are not usually covered although if you test positive due to covid 19 you can avail some benefits like cancellation of trips and reimbursement. Loss incurred due to predictable circumstances and events, due to travel advisories or warnings and government restrictions, and due to fear of travel will not get compromised on delta travel insurance.

How to Purchase Delta Travel Insurance?

To find the perfect plan for yourself and get a quote about the estimated insurance cost for your trip you can get from here by answering the following:-

• Select your location 
• Select destination
• State of residence 
• Departure date
• Return date 
• Total trip cost
• Number of travelers 
• Trip purchase date

You can use Delta’s trip protection quote tool to get the correct estimate of the insurance cost of your flight. After filling out the information you will get a quote. After that click on the buy now button and you will have to fill in the Trip Details. You will then have to click on add to cart after which you can review the information and payment details if everything is correct then make the payment, and click on confirm.

If you wish to cancel your plan you can do it within 10 to 15 days of purchase (depending upon your state) . The delta travel insurance cost depends upon your travel plan information like your state of residence, travel plan information, and total nonrefundable trip cost.

How to Claim Delta Trip Protection?

If you need proof of the delay or cancellation of a flight you need to fill out a form that contains the following information and then shortly they will follow you up with the verification so that you can proceed with your trip insurance claim.

• First name 
• Last name 
• Country Region
• Street address 
• State 
• Postal code 
• Email address
• Airline Program 
• Frequent flyer number
• Country 
• Phone number
• Date of travel 
• flight number 
• Ticket number
• Origin 
• Destination

Is Delta Trip Protection Worth It?

Is Delta travel insurance worth it? In short, as we have discussed, Delta Travel insurance helps you to give certain benefits in case of problems and issues regarding things that can go wrong with your travel tour. However to conclude,  if it’s worth it or not it completely depends upon how much patience you have and how much you can strategize and take the risk according to your budget. You can always reflect upon and calculate that it doesn’t impact your budget and you can afford it as it is always good to have a trip insurance claim. 

Frequently Asked Questions(FAQs)

1. what is the meaning of delta trip protection.

Interruptions caused to you in your trip or any cancellation in your trip you will get a refund for a portion of your travel expenses through Delta trip protection.

2. What plans are included in Delta Travel Insurance? 

Delta travel insurance consists of the following plans

•  Travel Protection Plan. 

3. What does Delta Travel Insurance include in its plan?

• Stolen lost and damaged belongings
• Emergency medical conveyance
• Emergency medical and dental help
• Nonrefundable travel expense
• Baggage delay
• Budget itinerary fee changes
• Cancellation of trip
• Change in fees

4. What is not covered under the Delta Travel Insurance plan?

If you test positive for COVID-19, you can avail benefits like cancellation of trips and reimbursement for affected travel plans. However, such coverage is not usually offered for travel disruptions caused by COVID-19.

5. How to purchase Delta travel insurance?

To find the perfect plan for yourself and get a quote about the estimated delta trip protection cost for your destination trip you can get from their website by answering the travel questions.

After filling out the information you will get a quote. After that click on the buy now button and you will have to fill in the information of passengers who will be insured. You will then have to click on add to cart. You will review the information and payment details on a page, make the payment, and click on confirmation.

6. What is the process for claiming Delta Trip Protection during the cancellation of a flight?

In case of cancellation or delay in flight, you need to fill up a form and then you will be asked questions so that verification can be done and then you can proceed with Delta travel insurance claim.

7. Is Delta Travel Insurance worth having?

If you don’t have budget issues and can opt out of it then having insurance is always a good never a bad plan.

8. Which Insurance company does Delta Airlines use?

BCS Insurance Company and Jefferson Insurance Company are under use by Delta Insurance Company. Alliance Insurance Company is the administrator of Delta Airlines.

9. Does fear of travel come under Delta Travel Insurance? 

 Travel advisories or warnings and government restrictions due to fear of travel do not come under Delta travel insurance.

10. In how much time can we cancel Delta travel insurance?

If you wish to cancel your plan you can do it within 10 to 15 days of purchase (depending upon your state)

11. Is there any need for documentation in the Travel Protection Plan PLUS and Travel Protection Plan?

No, there is no need for documentation in the travel protection plan plus and travel protection plan.

Rick Spiegel

I'm Rick Spiegel, a dedicated traveler and writer with a passion for all things related to airline travel. My love for exploring new destinations and my commitment to helping fellow travelers navigate the skies have led me to create a space where you can find all the information you need to contact airlines and resolve air travel issues seamlessly. With years of experience in the aviation industry, I've made it my mission to provide you with expertly crafted airline travel guides, ensuring that your journeys are as smooth as possible.

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Is Flight Insurance Worth It? Protect Your Trip and Your Wallet

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Table of Contents

The 5 best flight insurance plans, what is flight insurance, is flight insurance worth it, what flight insurance covers, what flight insurance costs, how to get flight insurance, final thoughts.

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Air travel can present unexpected circumstances, including cancellations, delays, missed connections, and lost or delayed baggage. At the same time, flights may be the most costly part of your trip budget. This can present a high-stakes scenario where you’ve spent a lot on airline tickets but risk situations that can interfere with your travel plans. 

Flight insurance protects you against unforeseen circumstances that could cost you, whether it’s cancellation or lost bags, generally offering reimbursement for your nonrefundable costs when air travel goes awry. You can get flight insurance when you book with an airline or online travel booking site or you can select a comprehensive travel insurance plan that includes air travel from a travel insurance company.

This guide explores options for the best flight insurance, how it works, when to buy it, and what to look for in a flight insurance policy. Whether you’re a frequent flyer or only occasionally take to the skies, read on to understand how flight insurance can offer financial protection and peace of mind.

Comprehensive travel insurance policies generally include flights, so you have extensive options for flight insurance. Consider these flight insurance plans that offer a good value for coverage, as quoted for a 40-year-old visiting Japan on a $2,500 trip:

Best Flight Insurance for Cancel for Any Reason: battleface

With the battleface Discovery Plan , you can get covered for trip cancellation, including Cancel for Any Reason coverage, which offers reimbursement of up to 75% of your trip cost if you need to cancel your travel plans (50% in Florida). Cancellation is all our quote included, but there are optional add-ons for trip interruption, medical emergencies, evacuation and repatriation, travel and baggage delays, and more. Our quote for this policy came to $61.82.

Best Flight Insurance for Travel Delays: Berkshire Hathaway Travel Protection

A Berkshire Hathaway Travel Protection ExactCare Value flight insurance policy covers up to 100% of your trip cost for trip cancellation and interruption, including COVID-19 coverage. That includes cancellations for getting laid off or medical reasons. You also get up to $15,000 for emergency medical treatment and $150,000 in medical evacuation and repatriation benefits. Travel delay benefits are up to $500 for delays after a 12-hour delay with a $100 daily limit, and baggage delays are for up to $200 per person after a 24-hour delay. If your baggage or personal items are lost, you can get reimbursed up to $750. We received a quote for $54 on this policy.

Best Flight Insurance for Missed Connections: Travelex

The Travelex Travel Basic flight insurance policy covers up to $500 for missed connections after a 3-hour delay and offers up to $500 for travel delays and $100 for baggage delays. Trip cancellation and interruption cover up to 100% of your trip cost, including employment layoff or medical reasons. You’ll get up to $15,000 in primary emergency medical coverage and up to $100,000 in medical evacuation and repatriation coverage. This policy was quoted at $87.

Best Flight Insurance for Baggage Protection: AXA Assistance USA

The AXA Assistance USA Silver plan can offer good coverage if baggage protection is a priority. It has up to $750 in baggage and personal item loss coverage and a $200 baggage delay benefit after a 24-hour delay. The policy also offers trip cancellation and interruption coverage, emergency medical, and medical evacuation and repatriation coverage. Travel delays are covered up to $500 after a 12-hour delay, as are missed connections for cruises and tours after a 3-hour delay. Our quote for this policy came to $78.

Best Flight Insurance for Accidental Death: Generali Global Assistance

If you’re concerned about a serious accident on your flight, a policy with an accidental death and dismemberment benefit could give you some peace of mind. The Generali Global Assistance policy offers $50,000 in accidental death and dismemberment benefits if you’re killed or seriously injured on your flight. Additional benefits include trip cancellation for up to 100% of your trip cost and trip interruption for up to 125% of your trip cost. There’s up to $50,000 in emergency medical benefits and up to $250,000 in medical evacuation and repatriation coverage. Additional benefits include travel and baggage delay, missed connections, and baggage and personal item loss. We were quoted $86.25 for this policy.

Flight insurance, also known as flight protection or flight cancellation insurance, provides coverage for the cost of your flight, offering reimbursement for nonrefundable flight costs if your flight plans are disrupted. Generally, flight insurance policies cover flight cancellations and delays, missed connections, diversions, and unexpected illness or injury before your departure.

You can purchase flight insurance as a standalone policy, usually from an airline’s travel insurance provider or third-party travel booking sites, or get a comprehensive travel insurance plan directly from a travel insurance company.

How Flight Insurance Works

Flight insurance offers coverage for flight-related disruptions and emergencies . Generally, the insurer will send you quotes and policy terms, after which you can purchase coverage and proceed with travel. If you don’t experience any issues, you won’t need to file a claim. But if you do need your flight insurance for an illness, flight delay, or cancellation, you can contact the insurance provider to file a claim. 

Though a canceled or delayed flight could cost you more than just the flight in nonrefundable hotel nights or missed tours, standalone flight insurance generally only reimburses you for up to the cost of your flight.

When To Buy Flight Insurance

You can generally buy flight insurance up to the day before departure, but it’s best to get your flight insurance as soon as you book your flight. The earlier you have flight insurance coverage, the better because unforeseen circumstances could interfere with your trip at any point.

You probably don’t need flight insurance if you’ve purchased a flight ticket that offers free changes or cancellations . And you won’t get much out of flight insurance if you’ve booked award flights using points or miles as currency. Also, consider your credit card benefits: You might not need to purchase flight insurance if your credit card offers adequate travel protection benefits.

Any of these are good reasons not to get flight insurance. But if you don’t have ticket flexibility or helpful credit card travel protections, getting flight insurance can offer major savings if you run into unexpected situations with your flight. 

Flight insurance can be particularly valuable if you have travel with multiple connections, expensive tickets, or you’re taking an international trip.

For example, if you get sick and need to cancel your trip, flight insurance can reimburse you for what’s probably a major cost of your travel: nonrefundable flight bookings. Or if flight delays cause you to miss a connection, you can get reimbursed if you have to pay to rebook a different flight.

While worth it, flight insurance is limited compared to comprehensive travel insurance plans that cover not just flights but nonrefundable payments on lodging, tours, and more, along with medical emergency coverage. Compare the costs, and you may find more value in getting comprehensive travel insurance to cover all of your nonrefundable travel expenses.

Booking with points or miles? Travel insurance policies typically only reimburse nonrefundable cash costs, so don’t count on using flight insurance to get your rewards reinstated.

Flight insurance generally covers financial risks related to air travel, particularly cancellations, delays, missed connections, and baggage loss or delay. Comprehensive plans usually cover medical emergencies and accidents. Let’s look more at these coverage areas:

• Accidents: Flight insurance can offer a benefit payment if there’s an accident that results in death or serious injuries to the insured on your flight.
• Baggage Delay or Loss: You can get reimbursed for expenses related to lost, damaged, or delayed baggage with flight insurance.
• Medical Coverage: Flight insurance can cover medical expenses and emergency medical evacuation if you become sick or injured on a flight.
• Missed Connection: Flight insurance can reimburse you for the cost of rebooking a flight after you miss a connection due to circumstances beyond your control.
• Trip Cancellation: Flight insurance can reimburse you if you need to cancel a nonrefundable flight for covered reasons such as illness, injury, or a death in the family.
• Trip Delay: If you experience a significant flight delay or cancellation, flight insurance can cover expenses for transportation, accommodations, and meals.
• Trip Interruption: If you unexpectedly need to fly home early, flight insurance can cover additional return trip costs and refund the unused portion of your nonrefundable flights.

Types of Flight Insurance

You can purchase standalone flight insurance , which usually just covers your flight. This type of flight insurance is often available from airlines or third-party travel booking sites. Another option is comprehensive travel insurance , which covers flights and other nonrefundable travel expenses, generally available directly from travel insurance companies.

Annual Travel Insurance

Purchasing an annual travel insurance policy may be cost-effective if you fly frequently. With annual travel insurance, you can pay once to get covered for all the flights and other travel you do within the coverage period.

What To Look For in a Flight Insurance Policy

As you compare flight insurance policies, consider key factors that can help you determine which insurance policy offers the most value for your needs:

• Costs: Compare how much each policy is and weigh coverage and benefits against costs.
• Coverage: Compare coverage areas, including trip cancellation and interruption, medical, baggage, and flight accident coverage.
• Coverage Limits: Understand the maximum benefit for coverage, particularly medical and trip cancellation expenses.
• Customer Reviews and Ratings: Read reviews to learn about a provider and how the insurance company handles claims, customer service, and support.
• Deductibles: Find out whether there are deductibles for any coverage areas where you’ll have to pay out of pocket before your insurance coverage kicks in.
• Exclusions: Be clear about what is and isn’t covered, checking the policy’s exclusions, such as preexisting medical conditions or certain trip cancellation reasons.

Plan to pay between 5% to 10% of your insured costs for flight insurance. For example, if your flight costs $1,000, you’ll pay between $50 and $100 for flight insurance. 

The cost of flight insurance can vary depending on several factors, including your age, how much your flight costs, how much coverage you want, how long your trip is, the insurance provider, and add-ons such as being able to cancel for any reason.

Credit Cards With Flight Insurance

Flight protection could be free depending on which credit cards you have. Many credit cards offer trip protection benefits for no additional cost. Credit card travel protection benefits often include coverage for trip cancellations and interruptions , trip delays , lost or delayed baggage , and travel accidents . That could cover you if you need to cancel or adjust your flight, experience delays, or have lost or delayed baggage issues.

Whether you book directly with the airline or a third-party travel booking site, you may be offered flight insurance when you book your flight. You’ll generally see flight protection as an add-on at checkout . It depends on the airline and insurance provider whether the flight insurance you’re offered at booking is standalone flight insurance or comprehensive travel insurance.

You can also shop for flight insurance or comprehensive travel insurance directly from travel insurance companies or get quotes from travel insurance aggregator sites such as Squaremouth . Using an insurance comparison site, you can more easily compare policies and find the best coverage for your needs.

An insurance broker or agent can also help you compare and select travel insurance policies.

Remember that you may have flight protection coverage available through your credit card benefits . If your credit card offers travel protection, you must book your flight with that credit card for the coverage to be valid. Be sure you understand the coverage and limitations of your credit card travel protection.

These are some of your options if you purchase flight insurance from the airline or an online travel booking site:

Curious how flight insurance from airlines compares to buying directly from travel insurance companies? You can easily get quotes from multiple insurance companies at once using comparison sites such as Squaremouth .

If you’ve laid out a lot of cash for upcoming air travel, flight insurance can provide you with a financial safety net if you need to cancel or interrupt your trip or run into snags along the way. Whether you get standalone flight insurance or a comprehensive travel insurance policy, including flights, flight insurance can protect you from the significant costs of travel disruptions. Consider whether you need flight insurance, and if you decide you do, do your research to find the best policy for you.

Frequently Asked Questions

Does flight insurance cover cancellation.

Flight insurance generally covers flight cancellations for specific reasons that the policy will list. For example, you can get reimbursed for your nonrefundable flight costs if you experience an illness, injury, or death in the family.

Does travel insurance cover missed flights?

Travel insurance covers missed flights only for reasons such as severe weather, transportation breakdowns, accidents, or missed connections. Be sure to read the terms of the policy to see what’s covered.

Can I add insurance to my flight after booking?

Yes, you can add insurance to your flight when you book it or after you complete your booking. Airlines and online travel booking sites may offer flight insurance when you book your flight, or you can get quotes from travel insurance companies after you’ve booked.

How much money will I lose if I cancel my flight?

How much you’ll lose if you cancel your flight depends on whether you have a refundable ticket and flexibility in rebooking. You could lose the entire booking cost if you’re traveling on a nonrefundable fare that doesn’t allow you to rebook using credit from your canceled flight.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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Travel Insurance

What is flight insurance?

Jennifer Simonson

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Jennifer Lobb

Updated 4:03 a.m. UTC Jan. 24, 2024

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• Flight insurance is coverage that protects the cost of your nonrefundable flight.
• You can buy flight insurance through an airline or from a third-party travel insurance company.
• You may not need flight insurance if you purchase a ticket that allows for free changes and cancellation, or if you already have coverage through your credit card.  

You’re finally ready to pull the trigger to buy airline tickets for the big vacation you’ve been planning. Before you can complete the purchase, you’re prompted to consider purchasing travel insurance for added peace of mind. 

The website copy likely says that flight insurance is “highly recommended” to protect your trip against unexpected circumstances. But what exactly is flight insurance, what does it cover and how necessary is it? 

Compare the best travel insurance offers

Travel insured.

Via TravelInsurance.com’s website

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Worldwide Trip Protector

Covers COVID?

Medical & evacuation limits per person

$100,000/$1 million

Atlas Journey Preferred

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RoundTrip Basic

$500,000/$1 million

What is flight insurance? 

Basic flight insurance protects the cost of your flight should the unexpected occur . When purchasing an airline ticket, flight insurance is typically offered as an add-on directly from the airline or from third-party sites such as Expedia or Travelocity. You can also buy flight insurance directly from some travel insurance companies. 

Having flight insurance does not mean you can cancel your trip for any reason and expect a refund. Depending on the details of your policy, you may be able to recoup 100% of your pre-paid, non-refundable flight cost in the following situations:

• Severe weather or a natural disaster. 
• Equipment failure that causes a long tarmac delay.
• Unexpected flight delays that result in a missed connection.
• A mid-flight emergency that forces you to land at a different airport than originally planned. 
• Death of a family member or traveling companion. 
• Unexpected job loss before your trip.
• Unexpected illness or injury prior to departure.
• You are called for jury duty before your flight. 

Read the change and cancellation policies of the airline when considering if you need to buy flight insurance. Southwest Airlines’ consumer-friendly policies already include the ability to change or cancel a flight for any reason up until 10 minutes before the departure time. However, depending on the type of ticket you buy, you may get a flight credit when you cancel, rather than a refund. 

Know more about airfares: Airfares

What does flight insurance cover? 

Flight insurance typically covers you for unexpected events related to air travel. Policies range from offering straightforward refunds for airline tickets to coverage for lost or damaged luggage. 

Depending on your policy, flight insurance benefits may include:

• Trip cancellation coverage . If you need to cancel your trip for a reason listed in your policy, you can get reimbursed for all prepaid, nonrefundable flight expenses. 
• Trip delay. If you are stranded in transit due to a reason in your policy, you can be reimbursed for extra expenses you incur. This coverage usually begins after you have been delayed for a certain period of time, such as six hours, and has a daily maximum, such as $150. 
• Trip interruption. If you need to cut your trip short for a covered reason, your non-refundable trip costs and any additional transportation expenses — such as a last-minute one-way economy ticket home — could be covered. 
• Lost or damaged luggage. Some flight insurance plans include reimbursement for lost, stolen or damaged luggage. This is generally secondary insurance, so you would have to file a claim with the airline or your homeowners insurance first. 

If you want more comprehensive coverage, it can pay to shop around before buying the flight insurance offered through the airline’s website. Determine which benefits are important to you and compare policies and prices before buying. 

Related: Flight cancellations

How much is flight insurance? 

The cost of flight insurance varies depending on the plan you select, your total trip cost, your age and the length of your trip. But the cost will be low compared to the cost of the flight. For instance, flight insurance from Berkshire Hathaway Travel Protection’s Aircare plan might be $26 for a $1,000 trip. 

It’s worth noting, however, that the average cost of travel insurance is $61 for a $1,000 trip. Spending the extra money on a more comprehensive travel insurance plan could get you a great deal more in coverage while you’re traveling, including emergency medical, dental and medical evacuation. 

How does flight insurance work? 

When you’re buying an airline ticket you will often see an option to add trip insurance on the checkout page. Each airline uses a different flight insurance provider. For example, United offers a Travel Guard travel insurance plan through AIG Travel while Delta uses Allianz Global Assistance. 

Airlines and third-party travel companies can offer drastically different policies, so it is important to read the fine print before selecting a policy to purchase. 

Like Delta, American Airlines offers comprehensive trip insurance through Allianz Global Assistance. Allianz trip insurance pays if you have to cancel or interrupt your trip due to a reason listed in your policy, such as illness, injury or jury duty. 

Travel insurance from Allianz also includes emergency medical benefits, trip interruption coverage, reimbursement of necessary meals and accommodations if your flight is delayed for more than six hours for a covered reason and reimbursement for lost, damaged or stolen luggage during your trip.

Allegiant on the other hand offers basic flight insurance called Trip Flex. Trip Flex allows you to change your flight or postpone your trip without paying the $75 change fee. You can only make one itinerary modification. The modification can be made up to one hour prior to departure for airline ticket purchases and up to 72 hours prior to departure for air/hotel package purchases. Additional restrictions include holiday travel periods and flight promos or sales.

Know more about flight statistics: Flight statistics

Is flight insurance worth it?  

Flight insurance is not always worth the investment. If your trip includes other nonrefundable bookings, such as hotel stays, car rentals and excursions, you would be better off purchasing a standalone travel insurance policy to cover the entire trip. 

You may also be able to rely on your credit card for coverage. Some credit cards include trip cancellation and trip interruption insurance, lost luggage insurance and trip delay reimbursement, if you pay for the trip using your card. This makes it possible to safeguard your flight without purchasing a separate flight insurance policy. Check your credit card benefits to determine if this coverage is available to you. 

If your flight is the only nonrefundable expense for your upcoming trip and you do not have a credit card that includes trip cancellation insurance, flight insurance may be worth it.

Flight insurance FAQs

It is best to buy flight insurance the same day you purchase your airline ticket, whether you buy it through the airline or directly from a travel insurance company. This ensures the cost of your ticket is covered and provides a longer coverage window for trip cancellation benefits.

Many travel insurance companies offer a free look period of 14 or 15 days, which allows you to review your policy and request a refund if you are not satisfied. This time period begins when you purchase the insurance policy and ends at a time determined by your travel insurance provider. 

For example, Allianz Global Assistance offers a 15-day review period in most states.

Most airlines allow you to cancel an airline ticket within the first 24 hours after purchase and get a full refund. After the first 24 hours, many airlines charge fees to cancel or change pre-existing airline reservations, depending on the type of ticket you purchase. 

Southwest Airlines is one of the only airlines to allow customers to cancel or change airline reservations without penalty, although refunds are only available for certain types of tickets. You may receive a flight credit rather than a refund, depending on the ticket type you purchase. 

Editor’s Note: This article contains updated information from previously published stories:

• Five-hour wait times, flight shopping and a rental car rush: Southwest cancellations send travelers scrambling
• Southwest Airlines flight woes continue: 1,000 Sunday cancellations … and counting

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

Jennifer Lobb is deputy editor at USA TODAY Blueprint and is an experienced insurance and personal finance writer. Jennifer served as an insurance staff writer and editor at U.S. News and World Report and deputy editor of insurance at Forbes Advisor. She also spent several years covering finance and insurance for various financial media sites, including LendingTree and Investopedia. For nearly a decade, she’s helped consumers make educated decisions about the products that protect their finances, families and homes.

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Should I Buy Delta Trip Protection? Exploring the Pros and Cons of Purchasing Travel Insurance

By Happy Sharer

Introduction

Traveling can be an exciting but also stressful experience. From flight delays to lost luggage, it pays to be prepared for any potential issues that may arise. One way to protect yourself against unexpected events is by investing in travel insurance. Delta Air Lines offers a comprehensive travel insurance package called Delta Trip Protection, which provides travelers with financial protection and peace of mind on their journey.

Examining the Benefits and Drawbacks of Delta Trip Protection

Before deciding whether or not to purchase Delta Trip Protection, it’s important to consider both the advantages and disadvantages of this type of coverage.

Delta Trip Protection offers a variety of benefits, including:

• 24-hour worldwide assistance services
• Trip cancellation and interruption coverage
• Baggage protection and delay reimbursement
• Emergency medical and dental coverage
• Rental car damage protection

Disadvantages

Though Delta Trip Protection offers many benefits, there are some drawbacks to consider before purchasing a policy. These include:

• High costs, depending on the level of coverage purchased
• Restrictions on certain types of activities and destinations
• Limitations on the amount of coverage provided

Is Delta Trip Protection Worth the Cost?

When deciding whether or not to purchase Delta Trip Protection, it’s important to weigh the cost of the policy against the potential benefits. The cost of a Delta Trip Protection policy depends on the type of coverage you choose, as well as the length of your trip. Generally, policies range from $25-$100 per person, per trip. It’s also important to note that Delta Trip Protection does not cover pre-existing medical conditions, so if you have any health concerns, you may want to consider purchasing a separate policy.

In addition to the cost of the policy, it’s important to consider other factors, such as where you’re traveling, how long you’ll be gone, and what type of activities you’ll be doing. For example, if you’re planning an adventurous trip to a remote destination, you may want to invest in a more comprehensive policy that covers emergency medical evacuation and other high-risk activities.

A Guide to Understanding Delta Trip Protection

Before purchasing a Delta Trip Protection policy, it’s important to understand exactly what is covered. Delta Trip Protection offers three levels of coverage: Basic, Plus, and Premium. Each policy includes different levels of coverage for trip cancellation/interruption, baggage protection, rental car damage, and emergency medical and dental expenses.

It’s also important to read the terms and conditions of the policy carefully, as there may be restrictions on certain activities or destinations. Additionally, some coverage may not apply if you purchase your ticket with frequent flyer miles or points.

Finally, it’s important to understand the options available for coverage. Delta Trip Protection policies can be purchased for individual trips, or for an entire year. If you plan on traveling frequently throughout the year, an annual policy may be a more cost-effective option.

Exploring the Pros and Cons of Buying Delta Trip Protection

Now that you know what Delta Trip Protection covers and what the cost of a policy may be, it’s time to examine the pros and cons of buying a policy. Ultimately, the decision to purchase Delta Trip Protection comes down to personal preference, and understanding the risks associated with your trip.

The primary advantage of purchasing Delta Trip Protection is the peace of mind it provides. With a comprehensive policy, you can rest assured that you’re protected against any unforeseen events that may occur during your travels.

The main disadvantage of purchasing Delta Trip Protection is the cost. Depending on the type of policy you choose, the cost can be quite high. Additionally, there are many exclusions and restrictions on what is covered, so it’s important to read the policy carefully before making a purchase.

What You Should Know Before Purchasing Delta Trip Protection

Before purchasing Delta Trip Protection, it’s important to do your research. Start by comparing different policies to find one that meets your needs and budget. Be sure to read the terms and conditions carefully, as there may be restrictions on certain activities or destinations. Additionally, compare the cost and benefits of an individual policy versus an annual policy to determine which is the most cost-effective option for you.

Finally, it’s important to understand that Delta Trip Protection does not cover pre-existing medical conditions, so if you have any health concerns, you may want to consider purchasing a separate policy.

Delta Trip Protection offers travelers financial protection and peace of mind on their journey. While the policy has its advantages, it’s important to weigh the cost of the policy against the potential benefits. Before purchasing a policy, it’s important to do your research and compare different policies to find one that meets your needs and budget. With the right information and understanding of the policy, you can make the best decision for your needs.

(Note: Is this article not meeting your expectations? Do you have knowledge or insights to share? Unlock new opportunities and expand your reach by joining our authors team. Click Registration to join us and share your expertise with our readers.)

Hi, I'm Happy Sharer and I love sharing interesting and useful knowledge with others. I have a passion for learning and enjoy explaining complex concepts in a simple way.

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WHY TRAVEL PROTECTION? Your vacation is an investment of time and money. Delta Vacations, in conjunction with Trip Mate, the foremost provider of travel protection plans and travel insurance, help assure your investment, yourself, and your family are protected from the unexpected.

PLAN OPTIONS AT A GLANCE

We offer two travel protection options for you to choose from:

• Travel Protection Plan — offering basic coverage
• Travel Protection Plan PLUS  — a more extensive option — including all of the benefits with the Travel Protection Plan — PLUS a lowest-price guarantee and more convenient method of payment on your refund

Travel Protection Plan

With the Travel Protection Plan, you're provided with pre- and post-departure coverage.

Lowest price guarantee

Cancel for any reason

Refund of cancellation fees

Documentation required

Purchase period

For Complete Details go to: 

Travel Protection Plan PLUS

Received in the original form of payment 1

May be purchased any time prior to final payment 1

www.tripmate.com/wpF409N  , opens in a new window

Received in the form of a Delta Vacations voucher 2

May be purchased any time prior to final payment 2

www.tripmate.com/wpF409B , opens in a new window

1 The Cash Back refund option, coverage of pre-existing conditions and Price Protection only applies if the Travel Protection Plan Plus is purchased within seven (7) days of your initial deposit for your trip (and for pre-existing conditions, must not be disabled from travel at the time the plan is purchased). 2 The Cancel For Any Reason Waiver and coverage of pre-existing conditions applies only if the Travel Protection Plan is purchased within seven (7) days of your initial deposit for your trip, and must not be disabled from travel at the time the plan is purchased.

Cancel For Any Reason Waiver (provided by Delta Vacations)

• The standard coverage of the Travel Protection Plan protects the cost of your vacation and protects you from most cancellation penalties. Also, you can cancel for any reason, and have comfort in knowing that your travel investment is protected. You must cancel before your scheduled departure.
• The Cancel For Any Reason Waiver is provided by Delta Vacations, and is not an insurance benefit underwritten by United States Fire Insurance Company.

In addition to Pre-Departure Trip Cancellation, the plan includes other benefits to help protect you from the unexpected during your vacation, such as:

• Medical and emergency assistance — includes benefits up to $25,000 for medical expenses, emergency medical transportation and 24-hour emergency assistance service for illness or injury during the trip.
• Post-departure trip interruption — covers you up to the original cost of your trip, when you must interrupt your trip or return home early for covered reasons, such as sickness, injury or other covered reasons.
• Travel delay — pays up to $100 per day for meals and accommodations when you are delayed on your trip for 12 hours or more.
• Baggage delay — reimburses you up to $250 for clothing and personal items if your luggage is delayed more than 24 hours.
• Loss or damage to baggage or personal effects — covers up to $2,500 for loss or damage to baggage or personal effects that occur during the trip.

Please Note: 

• If purchased, everyone on the booking must purchase the Travel Protection Plan. 
• The cost of the Travel Protection Plan is only refunded for cancellations covered by the hurricane policy (or within the state required free look period).
• Refer to Delta Vacations Cancellation & Change Policy  for penalty and refund details. 
• Certain restrictions apply to groups booked with our Group Department. 
• Certain items may not be refundable, such as show or event tickets, theme park passes, etc. 

With this option, you receive all of the benefits with the Travel Protection Plan (listed in the chart above) PLUS you:

• Receive the refund of the cost of your vacation package AND cancellation fees in the form of your original payment, should you need to cancel your vacation for any reason (less the cost of the protection plan)
• Receive the lowest price guarantee

Lowest Price Guarantee (Provided by Delta Vacations)

If Delta Vacations advertises an identical vacation at a lower price, Delta Vacations will guarantee that price. The advertised vacation must be available and include the same air components (including air fare class), hotel and room category, and any other previously purchased components, including the Travel Protection Plan PLUS. Refunds for the difference in the package price will be issued in the original form of payment.

Below, you'll find information on how to request the lowest price guarantee along with lowest price guarantee terms and conditions.

To request the Lowest Price Guarantee 10 days or more before departure:

• Create a new reservation with lower price and place on hold.
• Note: Some reservations may require confirmation with a credit card.
• Contact Delta Vacations at 1-800-800-1504, 6:00 am - 11:00 pm CST.
• If the new reservation qualifies, the travelers will receive confirmation of the new reservation at the adjusted price. Previous reservation will be refunded to the original form of payment.

To request the Lowest Price Guarantee within 10 days of departure:

• Create a new reservation and confirm with credit card.

Travel Protection PLUS and Lowest Price Guarantee Terms and Conditions

• The Travel Protection Plan PLUS cannot be applied to Miles to Go or upgraded bookings.
• Lowest Price Guarantee is on the total package price, not component to component.
• All components must be available at the time of the new reservation.
• Lowest price guarantee must be on the exact same vacation package including the same dates, air components, hotel and room category, and any other previously purchased components, including the Travel Protection Plan PLUS.
• Lowest price guarantee is allowed to be used only one time per booking, and may be exercised up to the time of departure.
• Promotional codes applied to the original reservation must be valid at the time of the lowest price guarantee request to maintain promotional code discount. If the promotional code is no longer valid, a new promotional code can be applied, as long as all terms and conditions are met.
• Lowest price guarantee does not apply to group reservations.
• Lowest price guarantee cannot be purchased separately, and is only available through the Travel Protection Plan PLUS program.
• Delta Vacations is the final authority on the interpretation of these rules, and reserves the right to change these terms and conditions without prior notice.

Travel Protection Plan Travel Certificate Redemption Terms and Conditions

Redemption Instructions

• Contact Delta Vacations at 1-800-800-1504 or online at delta.com/vacations.
• Enter/provide the 12-digit travel certificate number printed on the front of the travel certificate document during the payment step.
• Provide additional form of payment, if necessary.
• Delta Vacations will issue and send your travel documents via the delivery method requested during the booking process.

Redemption Terms and Conditions

• Travel certificate is valid for the value indicated on the front of the travel certificate document when redeemed toward the purchase of any Delta Vacations air and hotel package; air, hotel and car package; hotel-only; or hotel and car or ground transportation package purchase.
• Travel certificate can be redeemed in its entirety or in increments up to the value or balance remaining on the certificate.
• If the price of the booking is more than the value of the travel certificate, an additional form of payment for the remaining balance will be necessary to complete the transaction.
• Travel documents for the redeemed travel certificate will be issued, and sent via the delivery method identified during the booking process.
• Purchases with this travel certificate will be deducted from the balance until the value reaches zero or until the expiration date is reached, whichever occurs first.
• No refunds or credits will be issued for any unused portion of the travel certificate.
• Travel certificate is not valid for use toward the purchase of Group bookings, ski bookings, gift cards or another travel certificate.
• The expiration date for this travel certificate is printed on the front of the travel certificate document; the travel certificate is valid for payments made prior to the expiration date.
• Extensions to the expiration date will not be permitted, and travel certificate is not rechargeable.
• Lost, stolen or destroyed travel certificates will not be replaced.
• Travel certificate is void if altered or sold, is nontransferable, nonrefundable, may not be redeemed for cash, has no resale value, and is valid for use only by the person(s) indicated on the front of the travel certificate document.
• Travel certificate is not retroactive, and cannot be applied as alternative payment to reservations already paid in full.
• If a booking using a travel certificate as payment is cancelled, any remaining value after applicable cancellation fees have been deducted will be refunded back to the original travel certificate, and all terms of the original travel certificate, including original expiration date, will apply.
• Travel certificate cannot be redeemed for an Delta Vacations reservation with the same origin and destination and the same departure and arrival dates as the original trip that the travel certificate was issued for.
• Must be redeemed through Delta Vacations, and is not valid for redemption through Delta Air Lines or its website, delta.com.
• Delta Vacations must issue all airline tickets and travel documents.
• Standard Terms and Conditions and cancellation policies apply, which are outlined during the booking process; other restrictions apply.
• Delta Vacations is the final authority on the interpretation of these rules, and reserves the right to change these Terms and Conditions without prior notice.
• Travel Agents: Travel certificate can be redeemed via our agent website or Reservations.

For balance and expiration date inquiries, refer to the contact information on the front of the travel certificate document.

Travel Protection Plan Travel Certificate Redemption Terms and Conditions           

• Contact Delta Vacations at 1-800-800-1504 or online at deltavacations.com.
• Travel certificate is valid for the value indicated on the front of the travel certificate document, when redeemed toward the purchase of any Delta Vacations air and hotel package; air, hotel and car package; hotel-only; or hotel and car or ground transportation package purchase.
• Standard Terms and Conditions and cancellation policies apply, which are outlined during the booking process; other restrictions apply. A $20 charge applies to new bookings made over the phone.

INFORMATION YOU NEED TO KNOW:

Benefits on this page are described on a general basis only. There are certain restrictions, exclusions (including a Pre-Existing Conditions Exclusion) and limitations that apply to all insurance coverages. This advertisement does not constitute or form any part of the Plan description or any other contract of any kind. Plan benefits, limits and provisions may vary by state jurisdiction. To review full plan details online, go to:  www.tripmate.com/wpF409B , opens in a new window for the Travel Protection Plan or www.tripmate.com/wpF409N , opens in a new window for the Travel Protection Plan Plus. Plan Payments are made up of Insurance Benefits and Non-Insurance Services.

Louisiana, Maryland, and Oklahoma residents looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Trip Mate at 1-833-210-0676.

Insurance Benefits are underwritten by: United States Fire Insurance Company, 5 Christopher Way, 2nd Flr, Eatontown, NJ 07724 under Policy Form Series T210.The Cancellation Fee Waiver is not insurance underwritten by US Fire and is provided by Delta Vacations. Non-Insurance Services are not insurance benefits underwritten by United States Fire Insurance Company. One Call 24-Hour Assistance Services are provided by One Call Worldwide Travel Services Network, Global Xpi Medical Records Services are provided by Trip Mate.

Plan Administrator: Trip Mate, Inc. (in CA & UT, dba Trip Mate Insurance Agency) 9225 Ward Parkway, Suite 200, Kansas City, MO 64114, 1-833-210-0676.

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