Trip Cancellation Insurance: Covered Reasons Explained

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One of the most common misconceptions about travel insurance is that it covers absolutely every risk you may encounter while traveling. It doesn’t.

When you purchase travel insurance from Allianz Global Assistance (or any other company), the plan names specific covered reasons for trip cancellation, trip interruption, and other benefits. If a situation’s not named, it’s not covered.

Why does it work like this? If every travel insurance policy covered every possible scenario, the cost of insurance would shoot sky-high. Here’s what you need to know about covered reasons and trip cancellation insurance.

What Is A Covered Reason?

Covered reasons are certain situations and events that, when they occur, mean you may be eligible to make a claim. At Allianz Global Assistance, we design our travel insurance products to include a broad range of covered reasons, because we want to protect our customers from the most common mishaps that happen while traveling.

Depending on the plan you choose, there may be up to 26 covered reasons for interrupting or canceling your trip. These covered reasons vary according to the plan you purchase, but here are some examples:

• A terrorist event happens at your destination within 30 days of the day you're scheduled to arrive.
• The insured traveler, traveling companion or a family member suffers a serious covered illness or injury.
• The insured traveler, traveling companion or a family member dies.
• You or a traveling companion are terminated/laid off from your job through no fault of your own, after your effective date of coverage, after working there at least 12 continuous months.
• Your airline, cruise line or other carrier ceases services for at least 24 consecutive hours due to a strike, natural disaster, bad weather or FAA-mandated shutdown.
• You need to attend an immediate family member’s birth (the pregnancy must have occurred after the effective date of coverage.)
• Your destination is rendered uninhabitable because of a natural disaster, fire, flood, burglary or vandalism.
• You or a traveling companion is in a traffic accident on the way to your point of departure, and you or the traveling companion need medical attention or the car needs to be repaired because it's not safe to drive.
• A natural disaster renders your home or your destination uninhabitable.
• You or a traveling companion legally separate or divorce after your insurance effective date but before your scheduled departure date.

We could go on and on… but instead, we advise simply reading your policy. That way, you’ll know which covered reasons are named in your specific plan. Make sure you understand all the definitions, too. For instance, “immediate family member” and “family member” mean different things. And a pet is not considered a family member, although a service animal is. (Here’s a more detailed explanation of how travel insurance covers family members.)

Have questions? No problem. Call us at 1-800-677-8875, and our travel insurance experts will walk you through the policy documents and explain your benefits. If you’re not satisfied with the coverage, you have 10 days (or more, depending on your state of residence) to request a refund, provided you haven't started your trip or initiated a claim. After this review period, your premium is nonrefundable.

What About Trip Cancellation Insurance That Lets You Cancel For Any Reason?

Even the longest list of covered reasons can’t cover every possible scenario. For instance, what if your cat gets sick? Or the destination wedding you’re attending is canceled? Or a million stinging jellyfish suddenly appear at the beach where you’re vacationing?

If something happens that’s not specifically named as a covered reason, then trip cancellation/interruption benefits do not apply. One exception is if you purchase cancel for any reason travel insurance, which allows you to be reimbursed for most or all of your pre-paid, nonrefundable trip expenses if you cancel for virtually any reason (read the policy for exclusions). We don’t sell these plans online; please contact your travel agent if you need to purchase a cancel-for-any-reason plan from Allianz Global Assistance.

Covered Reasons vs. Foreseeable Events

Travel insurance does not cover losses that arise from expected or reasonably foreseeable events or problems — even if that event or problem is listed as a covered reason. A foreseeable event is an outcome that a reasonable person in similar circumstances would expect to occur.

In other words, if you're buying travel insurance with a specific scenario in mind — "I'll probably have to cancel this trip because of X" — then it's likely to be a foreseeable event. You're better off planning the trip for another time.

For instance, if you purchase travel insurance for your Bahamas vacation when a named hurricane is already barreling toward your destination, and then your beach house gets smashed, your trip cancellation would not be covered. Yes, the list of covered reasons for your plan includes “a natural disaster renders your home or your destination uninhabitable”; but you knew the storm was coming when you bought the plan.

Not sure which plan is best for your situation? We want travelers to have all the information they need to make an informed decision. Even if you have very few pre-paid costs, or are certain nothing could interrupt your trip, we have travel insurance plans to cover other common what-ifs. Please contact us with questions and safe travels!

Terms, conditions, and exclusions apply. Please see the Certificate of Insurance/Policy, for full details. Benefits/Coverage may vary by state and sub limits may apply.

Click here to buy it online now! Questions? Call 1-800-677-8875 or email us!

 Credit:Allianz Global Assistance

Turkish Airlines Seat Selection Regulation

Seat selection fees depending on route, flight class and seat type

RouteFlight classSeat typeFeesSelection period
All flightsBusinessAll seatsFree355 days before flight
Domestic flightsEconomyAll seatsFree*24 hours before flight
International flightsEconomyStandardFree100 days before flight
International flightsEconomySeats with more leg roomUSD 19.00 - USD 79.00**355 days before flight***
AnadoluJet flightsEconomyAll seatsTRY 15.00 - TRY 22.00355 days before flight****

*On domestic flights, Economy Class seats can be selected free of charge within 24 hours of departure during online check-in.

**Due to technical and operational reasons, chargeable seat selection is not available on some flights.

***All seats are free for the last 48 hours on international flights.

****All seats are free for the last 24 hours in Anadolu Jet flights.

Terms and Conditions

Seat selection

  • Chargeable seats may vary depending on demand and schedules. Chargeable seats are not valid on flights operated by other airlines (codeshare).
  • Chargeable seat selection is only valid for group passengers (reservations with more than 9 passengers) where reservations have been made directly with the Turkish Airlines Reservations System.
  • Chargeable seat selection is only available to passengers holding tickets.
  • Chargeable seat selection is valid within 355 days and up to 48 hours before scheduled Turkish Airlines flights.
  • Chargeable seat selection on AnadoluJet flights is valid within 355 days of and up to 24 hours before the scheduled flight.
  • On AnadoluJet flights, unwell passengers and passengers with limited mobility can select aisle or window seats, on condition they do not prevent cabin emergency exit.

Seat changes

  • Due to safety, security and operational reasons, seat selection cannot be guaranteed. In such cases, Turkish Airlines will provide the most suitable alternative.
  • In cases where passengers are dissatisfied with involuntary seat changes, they have the right to apply for a refund for their travel.
  • Passengers which purchase seat selection may only use this on the flight for which they purchased it an on their own behalf. Selection may not be transferred to another flight or passenger.

Emergency exit seats

  • Passengers who are able to assist by opening emergency doors in an unexpected evacuation situation may sit in emergency exit seats.
  • These passengers must be over the age of 18, and physically fit and healthy.
  • These passengers must be able to understand written or verbal instructions given in either English or Turkish.
  • Passengers requesting emergency exit seats must confirm they meet this criteria.
  • Passengers traveling with infants may not sit in emergency exit seats.
  • Passengers whose mobility is partially or fully restricted may not sit in emergency exit seats.
  • Overweight passengers requiring an extension seatbelt may not sit in emergency exit seats.
  • Passengers or companions subject to legal or administrative proceedings may not sit in emergency exit seats.
  • Passengers traveling with pets , guide or emotional dog in the cabin may not sit in emergency exit seats. 

Refunds

  • Turkish Airlines holds sole discretion when deciding if a passenger meets the requirements to sit in an emergency exit seat. Passengers not meeting the requirements will be offered another seat. Additional fees paid for emergency exit seats cannot be refunded.
  • Refunds cannot be processed for passengers who have canceled a chargeable seat. If a passenger changes their seat for a more expensive one, they will be required to pay the new fee. If a passenger changes their seat for a less expensive seat, no refund will be processed.
  • Passengers dissatisfied as a result of an involuntary seat change made before the flight may apply for a refund for their journey via our calls center or Turkish Airlines Sales Offices.
  • If a passenger is assigned an alternative seat after boarding due to operational reasons, they may apply for a refund.
  • Passengers who purchase seat selection and then upgrade to Business Class cannot have thier seat selection fee refunded.
  • Applications for refunds must be made with 1 year of the flight.

The Chicago Department of Aviation launched Terminal Transfer Bus service from TERMINAL 3 to TERMINAL 5

The Chicago Department of Aviation (CDA) today launched a new transportation service in partnership with American Airlines

 

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CHICAGO – The Chicago Department of Aviation (CDA) today launched a new transportation service in partnership with American Airlines to eliminate the need for connecting passengers to be re-screened before boarding international flights. Beginning on June 19, CDA will operate a Terminal Transfer Bus (TTB) service to transport ticketed passengers connecting from American Airlines domestic arrivals in Terminal 3 to international departures at International Terminal 5 via the secure side of the airport. 

 The new program strengthens O’Hare International Airport’s position as a leading international gateway by offering 60 percent of passengers connecting from flights at domestic gates a more direct path to international flights departing Terminal 5.

 In addition to the direct benefit for connecting passengers, the Terminal Transfer Bus is expected to benefit Chicago international travelers through a daily reduction of passengers at the TSA checkpoint in Terminal 5. The volume of passengers using the T5 security checkpoint could be decreased by as many as 1,000 passengers per day, which will in turn shorten security lines and wait times for passengers during peak periods. 

Prior to implementation of this service, all connecting passengers who arrived at domestic terminals would be required to exit security and then be re-screened at the Transportation Security Administration (TSA) security checkpoint in Terminal 5 in order to board an international flight. Passengers who use the new service do not need to be re-screened because they will remain on the secure side of the airport as they travel from Terminal 3 to Terminal 5.

 In addition to the elimination of double screenings, the TTB will reduce in-airport travel time by about five minutes for passengers connecting from Terminal 3 to international flights. Two buses will run from 10:30 am to 8 pm daily, with buses operating continuously on secure routes from Terminal 3 to Terminal 5. Passengers will be picked up from two locations near Gate G17 and Gate K20 in Terminal 3. The bus will drop passengers off at the M Concourse of Terminal 5. The buses and bus stops are ADA compliant. Initially, the Terminal Transfer Bus will be offered seasonally during spring, summer and early fall, when connecting traffic is at peak levels.

Source: https://www.flychicago.com/business/media/news/pages/article.aspx?newsid=1386

Baggage Information – What to Check and What to Carry-On

What to know regarding baggage information and airline restrictions for carrying-on and checking luggage BEFORE you travel!

On a trip from Laguardia to O’hare International Airport, items mysteriously disappeared from my checked baggage. The airline was not of much help, the process of filing a claim was tedious, lengthy and resulted in disappointment. Through the process of losing items from my checked bag, I learned that many items (when checked in your bags) are NOT covered by airlines insurance policies. See below for links to baggage information for airline carriers.

Your Checked Baggage – General Information 

Some items you can check in your baggage, but you must declare when checking. Items such as: explosives, firearms, alcoholic beverages, animal products, etc., should always be declared when you check your baggage. If not declared, fines and penalties may be enforced (read American Airlines “Restricted Items” page).  

Other items, you may check in your baggage (suitcase or luggage), however, they will not be insured by the airlines should they be damaged, stolen, lost or missing. Below is a list of items you should not check in your luggage because will not be insured, or covered, by airlines policies (check your individual carrier for specifics, links below).  

  • Antiques, Artifacts and Artworks
  • Books and Documents
  • China
  • Computers, Computer software or other computer equipment  
  • Electronic equipment
  • Fragile items (including child/infant restraint devices such as strollers and car seats)
  • Eyeglasses (prescription sunglasses, non-prescription sunglasses and other eyewear and eye/vision devices whether lenses are glass, plastic, or some other material)
  • Furs and Heirlooms
  • Keys
  • Liquids (such as perfume)
  • Medicines
  • Orthotics or surgical supports
  • Perishable items
  • Photographic, video and optical equipment
  • Securities and negotiable papers (includes contracts)
  • Samples (such as clothing samples) 
  • Precious metals, stones or jewelry, money, silverware 
  • Unique or irreplaceable items or any other similar valuable items (Which can mean almost anything!)

You can always purchase additional travel insurance from the airline, purchase travel / baggage insurance from your Credit Card (American Express offers this to their cardholders), or purchase travel insurance from a third party, such as baggage coverage through Travel Guard. If you would like more information on purchasing travel insurance you may always contact us

General Baggage Information – Restrictions and Regulations for U.S. Domestic Airlines:

General Baggage Information – Restrictions and Regulations for International Airlines:

For more information or to book at trip please contact us HERE OR phone us at 312.263.1991 or 800.677.8875