As American Airlines canceled hundreds of flights through October, passengers were left scrambling for alternate flights or airlines to handle their travel plans. Those actually flying experienced more flight delays than normal too. Savvy passengers with travel insurance came out on top though, thanks to a normally unused feature common to many policies.
Blame it on American Airlines bankruptcy issues, labor problems, maintenance problems or layoffs, in a week?s time the troubled airline had canceled about 300 flights, mostly in and out of Dallas/Fort Worth International (DFW) airport.
?Prior to the recent issues, American had been running a good operation, with on-time performance and reliability measures at their best levels in many years,? American Airlines spokesman Bruce Hicks said in an LA Times story. ?The recent disruptions are primarily due to the significant increase in maintenance write-ups by our pilots, many right at the time of departure.?
It?s a situation totally out of the control of passengers but one that can be made a bit easier to swallow with some basic travel insurance that covers flight delays or cancellations and, most importantly right now, offers traveler assistance.
Travel Guard, for example, has a single trip plan and an annual plan for frequent travelers.
Their Savvy Traveler plan covers trip cancellation, interruption and delay, emergency medical treatment or evacuation, lost, stolen or damaged baggage or personal effects and baggage delay on any one given trip. The cost? About $25 for a $500 flight in October.
Frequent fliers can get Annual Travel Insurance for personal or business travel that covers trips or vacations throughout the year. This one includes everything from trip cancellation and interruption to unannounced strikes, weather delays and more ? plus it comes with coverage for medical expenses that might be incurred away from home. That?s especially important when traveling internationally.
I bought one of their annual plans last year for about $200. It paid off when some medical expenses I incurred sailing on a cruise in international waters added up to over $2000, little of which was paid by my primary health insurance. The travel insurance paid the rest.
Say a flight booked on American Airlines was cancelled. The airline would do its best to reschedule. Frequent flyers know the drill too: flight canceled, stand in long line at airline customer service counter and hope to get to destination at a reasonable time.
But what would my travel insurance have done for me? We asked Travel Guard to find out.
?In addition to the 24-hour assistance Travel Guard provides customers in rebooking their flights, accommodations and other pre-planned travel arrangements, in the event that their trip is delayed five or more hours, travel insurance can reimburse for expenses incurred until travel becomes possible,? Carol Mueller, VP of Travel Guard North America told Gadling.
That could come in handy when a late, weather-delayed flight causes a missed connection and the next flight out is tomorrow. Weather-related flight delays? Technically, not the airline?s problem. The travel insurance company, much like a travel agent, is on your side and ready to help when needed.
?Cancellation would be covered when due to mechanical/equipment failure of the carrier, or when inclement weather causes delay or cancellation of travel,? added Mueller. ?We recommend customers contact us at our toll-free number as soon as they know their trip is going to be delayed, interrupted or cancelled and we can help with alternate solutions to their travel plans.?
Regardless of which travel insurance company we choose, having that protection along for the ride when traveling can pay off. Liability-limiting reasons for airlines to cancel or delay flights due to weather events and ?maintenance? issues seem to be on the rise. That takes travel insurance from an optional extra not likely to be used to something that may be seriously considered.
[Flickr photos by Scott Ableman]
Filed under: North America, United States, Airlines, Travel Security
Source: http://www.starvogue.com/travel-news/2012/09/25/flight-canceled-travel-insurance-could-have-helped/
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