Why You Need Travel Insurance For A Teen’s Spring Break Trip | Personal-finance

Jessica Wong

For Allianz Travel policyholders, the TravelSmart app is the easiest way to access a travel insurance plan, file and manage a claim, track flights, receive live updates for flight delays and easily contact 24-hour assistance and concierge services. “The app also recently introduced an Alert Center, a policyholder feature which […]

For Allianz Travel policyholders, the TravelSmart app is the easiest way to access a travel insurance plan, file and manage a claim, track flights, receive live updates for flight delays and easily contact 24-hour assistance and concierge services.

“The app also recently introduced an Alert Center, a policyholder feature which offers location-specific updates on security, weather and other events that could impact their travels and provides timely advisories and advice,” Durazo says.

Don’t Expect These Issues to be Covered by Insurance

While travel insurance can certainly protect your financial investment in a trip, it won’t cover every possible issue. Squaremouth offers four scenarios not covered by travel insurance.

Points and frequent flier miles: Many students or their families pay for these trips with frequent flier miles or credit card points, but travel insurance policies don’t insure the miles or their value. Most policies aren’t going to reimburse you for the value of the miles because it is not an out-of-pocket expense. There are some policies that may cover re-banking fees.

Long TSA lines: Long security lines, or a student’s tardiness, are not covered. Travel insurance does not cover missed flights due to security delays. According to Squaremouth, most policies include benefits for travelers who miss a flight, but the reason must be specifically covered by the policy. Squaremouth notes that these acceptable reasons include airline delays due to mechanical failure, inclement weather, lost or stolen passports, or emergency weather conditions.

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