Trip purchased with airline miles

[poohkey]

We are taking a cruise in November and I purchased our flight with airline miles. Can this be covered with travel insurance and, if so, how would I write that up on the quote?

[msmayor]

Trip insurance will not cover non-cash items like airline tickets obtained through airline miles programs. It will only reimburse you for actual cash spent.

[cruiseco]

Trip insurance will not cover non-cash items like airline tickets obtained through airline miles programs. It will only reimburse you for actual cash spent.

 

However, some will cover the cost to have those miles put back into your FF account. This is from TravelSafe:

 

"Trip Cancellation: Benefits will be paid, up to the Maximum

Benefit Amount shown in the Schedule of Benefits, to cover You for the unused non-refundable prepaid expenses for Travel Arrangements, including up to $150 for the cost of airline imposed fees to rebank frequent flyer miles for air flights to join Your Trip when You are prevented from taking Your Trip due to . . . "

 

So if your FF plan will let you re-bank the miles at least you'll be able to use them for a future trip and haven't lost anything.

[sirwired]

However, some will cover the cost to have those miles put back into your FF account. This is from TravelSafe:

 

"Trip Cancellation: Benefits will be paid, up to the Maximum

Benefit Amount shown in the Schedule of Benefits, to cover You for the unused non-refundable prepaid expenses for Travel Arrangements, including up to $150 for the cost of airline imposed fees to rebank frequent flyer miles for air flights to join Your Trip when You are prevented from taking Your Trip due to . . . "

 

So if your FF plan will let you re-bank the miles at least you'll be able to use them for a future trip and haven't lost anything.

 

That is absolutely correct. To that I will add that to obtain that "re-banking" benefit, you may have to add the re-banking fee to the "cost" of the trip you are insuring even if you don't incur the cost up-front.

 

SirWired