Should I Get Flight Insurance?

(Get all your answers from an expert and find the coverage you need.)
Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

paul martin Reviewed by Paul Martin
paul martin
Reviewed by Paul Martin

Paul Martin is the Director of Education and Development for Myron Steves, one of the largest, most respected insurance wholesalers in the southern U.S.

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Top Questions

What is flight insurance?
Is flight insurance worth it?
What does flight insurance cover?
How much is flight insurance?

What is Flight Insurance?

Do you have travel plans coming up? What if you lose your luggage, miss a flight, or worse? Who's responsible for the lost articles, accidents or time delays? There is insurance for that and it could just make your trip worthwhile.

Flight insurance is a type of travel insurance that offers protection in the form of finances if there are losses or claims related to air travel. These claims can be anything from losing your luggage to death due to air travel. A number of insurance companies offer flight insurance, as well as different benefit selections in a flight insurance policy. You can obtain coverage through your independent insurance agent. They work with a variety of insurance providers that have policies specifically for your travel ventures.

Is Flight Insurance Worth It?

Are you trying to decide if the extra premium is worth spending on flight insurance? Think on this. Imagine you are going on a nice tropical vacation and when you arrive your luggage didn't make the trip. Not to worry, the airline has decided that since they can't exactly find your luggage they will reimburse you half of what it's worth. Now, if you had flight insurance you'd get the full amount and could be relaxing on the beach by now.

Yes, flight insurance is worth it. It provides coverage, not only for misplaced luggage, but also for so much more depending on the benefits selected when purchasing. Flight insurance will provide coverage for things like missed or rescheduled flights and injuries or death due to air travel. Coverage can be as narrow or as comprehensive as you desire. There are numerous benefit combinations and options that you and your independent insurance agent can go over when deciding on which flight insurance policy is best for you. 

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What Does Flight Insurance Cover?

Thinking flight insurance is just another gimmick that you'll never use? Think again. Flight insurance could provide the coverage you didn't even know you needed when traveling. Ever been stuck in another country without health insurance? Your flight insurance can pick that up. 

Your flight insurance policy can be as comprehensive or as simple as you choose. It can provide coverage for items such as: 

  • Death and dismemberment: This coverage is for if you get injured, or worse, die as a result of air travel. It will cover medical expenses to restore you to health. It will even cover injuries as a result of your medical insurance not responding due to you sustaining an injury while out of the country. If you die in a plane crash, this coverage will provide a death benefit to your chosen beneficiary. 
  • Cancellation or postponement of flight: This benefit will provide coverage for cancellation or postponement of a flight. This could be due to the airline or if you have to cancel or reschedule a flight for any reason. Now you can get the cost of your flight refunded with flight insurance. 
  • Loss of luggage: This will provide coverage for loss of your luggage by replacing up to the amount that you select for this benefit. Unlike what the airline usually offers you, which is a fraction of what your luggage and articles are worth, this coverage will give you all of its value up to the benefit limit selected.

How Much is Flight Insurance?

You are probably wondering what flight insurance is going to cost you. Flight insurance is fairly inexpensive when you consider all that it can cover. The real question is, how much are you willing to lose if you don't have it? 

Flight insurance is typically 10% or less of your total flight price. If you pay $2,000 in airfare, your flight insurance could be anywhere from $80 to $200 depending on the benefits selected, your age, and the destination. This is a fairly low price to pay when you consider all the items it could cover, from lost or stolen luggage to flight cancellations and delays to injury and even death. Pricing will vary for each individual and exact costs can be discussed with your independent insurance agent. They will have the most competitive pricing and a variety of flight insurance options so you can travel easy on your next trip.

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