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When people plan the perfect vacation, they do not anticipate falling ill, experiencing family or work emergencies, or any other situation that could cause them to cancel or postpone their vacation. However, regardless of how well a person plans, these things can happen, which is why travelers should purchase travel insurance to protect themselves against these unforeseen issues.

Reward Points and Miles

Travel insurance does not cover everything, such as all reasons for cancellation, or all travel expenses, including refunds pertaining to reward points. Many people are unaware that rewards points and miles typically aren’t covered under trip protection. Those people will end up forfeiting their miles and points, which is why all travelers should always know what is covered under their insurance policies, as well as what is not covered, and why.

Cash Amount

When it pertains to trip protection, the main purpose of this insurance is to protect the cash payments that travelers have made. Even though people accumulate rewards miles and points after spending countless amounts of cash on tickets and other items that they have purchased, rewards are not considered cash to most insurance providers. So even if a traveler has used his rewards to purchase a first class ticket, which required him to spend thousands of dollars in rewards points, the actual cash amount that he paid for the ticket was zero dollars. When cash is not used, no money will be refunded. Travel insurance does not cover retail costs; instead, it covers out-of-pocket expenses.

Almost all companies will exclude some fees and taxes from being paid using vouchers, or rewards points and miles. These taxes and fees will need to be paid with cash or credit card; therefore, these expenses are covered under the insurance policy.

Re-Deposit Fee

Some reward programs will give travelers the opportunity to maintain their points when emergency situations cause them to cancel or postpone their trip. However, there is typically a fee associated with this policy, known as the re-deposit fee. The fee is necessary in order to have miles and points deposited back into the traveler’s account. The re-deposit fee is generally covered under some trip insurance policies because it is paid using cash or credit card. The maximum fee amount covered by most trip insurance providers is $150.

Other Covered Costs

Even though rewards points and miles are typically not covered under insurance policies, some costs are still covered, even when a traveler uses points and miles to book their travel accommodations. Some of those covered costs are:

• Baggage
• Baggage Delay
• Travel Delay
• Medical
• Missed Connection

If a trip is delayed, this is not the traveler’s fault, which means that their ticket can be changed. If the traveler needs to stay in a hotel due to the delay, he will generally be reimbursed for the hotel stay, even if he used rewards points and vouchers. This also applies to the other covered costs listed above.

Travelers should always create a checklist pertaining to trip protection and rewards points or miles when planning their trip. Travelers do not want to forfeit any of the miles and points that they have worked hard to earn, and save.

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Our Trusted Providers Include

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  • AXA Assistance USA
  • Generali Global Assistance
  • Global Trip Protection
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  • John Hancock Travel Insurance
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  • Seven Corners
  • Travel Insured International
  • Travelex Insurance
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