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All the major tour operators offer options to protect your non-refundable tickets. But that may not be what you need, taking into account the restrictions. More comprehensive travel insurance May your needs better.

After working hard for your holidays and looking forward to it so long, what happens if you bought the least expensive tickets are not refundable, and you have an unforeseen emergency that prevents you from your trip? Unless you have purchased ticket-protector insurance, you're probably stuck. Continental, Northwest Airlines and America West as well as several travel Web sites offer such insurance.

Now you can still have problems, depending on the policy and in particular the situation that prevents you from your flight. Travel expert and author, Ed Perkins, calls ticket protector insurance "Lite" version of trip-cancellation and trip-interruption insurance. Perkins says, "Instead of buying insurance that covers all the basics, how to Your hotel, car rental or most of the other, you are solely for the protection of your flight. "

For years, several online travel companies have ticket-protector insurance. For approximately 4% of the fare, you can be up to $ 3,000. However, before you buy this insurance, you need to know exactly what is and what is not.

It is important to understand exactly what the reasons are, which could mean the difference between receiving a full refund and to meet the cost themselves. Covered reasons for the rule, medical emergencies, traffic accidents, terrorist attacks, airline delays or cancellations, natural disasters, death of the traveler or a family member, bad weather, airline strikes and jury duty. Be careful though, as the reasons outlined above definitions may be closer than you would expect.

As an example, a sudden heart attack or disability injuries were. However, an existing condition such as epilepsy are not covered, even if you have a seizure two days before departure, which prevents you from traveling. This condition is already treated and therefore not covered by your ticket-protector insurance.

Adverse weather conditions have no conditions, "" expects, "". For example, if you're traveling to a hurricane-prone area and a category 4 hurricane is expected to hit your target days before your arrival, you will receive no refund, unless the airline cancels the flight or the airport is closed.

While the labor strikes are good reasons why you already have some protection on that front. It is a law, the airlines to honor tickets of competitors in the event of a strike or shutdown. However, this right only applies in the United States. It does not cover international airports.

Critics of ticket-protector insurance argue that the coverage is too limited, because of unforeseen situations are very often not recorded. If a person is really a non-refundable, non-reusable ticket, the insurance may prove useful. However, no one knows their situation before the time and if there is a problem with the coverage, the insurance usually wins.

Ticket-protector insurance should be purchased only under certain circumstances, say, consumer adviser. Airlines are sometimes criticized the ban on refunds and sales of insurance products, these refunds. The airlines respond that the provision of insurance offers travelers a greater selection.

For example, a traveler with a ticket better protector more comprehensive insurance or travel insurance? While ticket-protector insurance only covers the flight, travel insurance generally covers all aspects of travel. Chances are that what causes a person to miss their flight will be to them to miss the entire trip, or at least the need for changes in the chamber, ie, car rentals, hotel reservations, entertainment tickets, etc. A consumer must all factors weigh in the decision to buy insurance, if at all.



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Michael Russell

Your independent guide for airline tickets

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