Only if you purchase a policy that includes the "Cancel For Any Reason" option. A standard travel insurance policy would not provide benefits for Trip Interruption in this case unless you are directly involved in the accident.

Access America’s Cancel Anytime insurance products offer coverage if the traveler has to purchase new tickets.  The reimbursement would be for up to 80% of the amount the airline charged for the new, economy class tickets, not to exceed the limit of trip interruption coverage that was purchased.  In this example the insured would receive $2000. 

It would depend on the specific travel insurance plan you purchased.  For example, Travel Guard’s platinum policy would provide coverage because this is a covered peril listed in the policy (i.e., the Insured or Traveling Companion is involved in or delayed due to an automobile accident, substantiated by a police report, while en route to the Insured’s Destination).  Not all policies include this coverage.

Those Italian airport workers are at it again, this time striking for longer espresso breaks. You’ll have to toss your $300 airfare and take the train to Paris instead. Will insurance reimburse you for your unused flight and pay for the train as well?

Policies will pay for additional transportation expenses for travel to your destination, but does not provide benefits for unused airfare during a Trip Interruption. So, in this case, you would be reimbursed for the train fare, but not the airfare.

We provide our customers with Trip Interruption coverage as part of our Cancel Anytime product if those pesky workers go on strike.  We will reimburse up to 80% for the unused flight (as long as you are not offered a credit or refund!) and up to 80% of the cost of a reasonable train ticket.  No payments can be made that would exceed the limit of trip interruption coverage that was purchased.   

Yes, this would be covered if the travel insurance were purchased before the airline employees voted to authorize a strike.  If you’re not sure, check with the travel insurance provider before you purchase your insurance.

The airline leaves a message on your answering machine a week before your trip informing you that they no longer fly to Peoria. They're offering a full refund but now flights on other airlines are $500 round-trip, not the $128 you originally paid. Will insurance cover you?

Our Cancel Anytime product offers trip interruption benefits for unforeseen situations that our customers may encounter after they depart on their trip.  This particular situation would not be covered.

This is a situation is not a hazard or risk and would not be covered under any perils listed in a policy.

Even with the expansive coverage provided by this product, claims arising due to government regulations, as in the detaining of an insured by the TSA, would not be covered.

This would not be covered, because the loss was caused by a “government regulation.” This is listed as a standard exclusion in most travel insurance policies.

Maybe. Travel Delay benefits provide coverage for hotel accommodations and meals when your covered trip is delayed for 6 hours or more due to any common carrier delay. If the plane is late in landing, causing you to miss the connection, then the claim would be payable. If, however, you land on time and just cannot get to the departing gate in time, you are not delayed by the common carrier (defined in the policy as the actual conveyance) and would not be covered.

Should our customer miss their connection for a covered reason, we will paynon-reimbursed pre-paid travel expenses as well as reasonable expensesrelated to that missed connection, including expenses for meals and lodging, up to the benefit maximum.

If the flight is delayed due to weather or by the airline, the insured would be covered under the travel delay and/or missed connection benefits for reasonable travel expenses, including lodging and meals.

If your policy includes the "Cancel For Any Reason" option, the ticket cost could be covered. Some policies also provide benefits for Financial Insolvency. Both coverages have specific requirements and restrictions. If neither coverage applied, no benefits would be payable.

Our insured could expect an 80% refund of their costs not to exceed their limit of trip cancellation coverage for this type of situation.    If the airline stopped flying for financial reasons, more coverage might apply, subject to the terms and conditions of the policy.    Again, any payment would not exceed the limit of trip cancellation coverage in either scenario. 

If you purchased your travel insurance within 15 days of your initial trip deposit, this would be covered under the “financial default” provision of your policy.  (Check to make sure your policy has this coverage as not all policies do).

Yes. The policy will cover up to the policy maximum for the actual cash value of the dress after payment from the airline is deducted. Note: Some policies are secondary to your homeowner's insurance policy and require a disposition or declaration of coverage limits from the homeowner's insurance provider before coverage applies.

Yes, Access America’s retail insurance products (those available through travel agents, for instance) will cover baggage loss up to $1,500 depending on the product purchased. That would ensure most of the rest of the cost of the dress in the scenario below.

If you have verification that the airline charged you those fees to convert your miles to a ticket, they would be covered up to 80%, or $400.  As with any payment, we will not reimburse more than the limit of coverage for any particular benefit.  

If the insured included the $500 fee in the trip cost, it would be reimbursable under the trip cancellation provisions of the policy, along with any other nonrefundable deposits, for any of the policies’ covered perils (e.g. inclement weather, strike, mechanical breakdown, etc.). 

If the airline cancels the flight for a reason that is not a covered peril in the policy, it would only be covered if the insured’s policy includes a cancel for any reason option. For example, Travel Guard’s Platinum Plan with the CFAR option would reimburse 75% of the fee, as long as the trip was cancelled more than 48 hours from departure.