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While booking flights, many travelers find themselves wondering, “Should I buy travel insurance for my flight?”. And if so, when’s the right time to purchase travel insurance – should it be done before or after confirming the flight reservation?

It can be confusing to know what’s best to do in this situation.

Luckily, in this blog post, we will delve into the topic of when to buy travel insurance for flights, as well as things to consider if you’re purchasing it before or after booking your ticket. By understanding the key factors involved when it comes to buying travel insurance for flights, you will be equipped to make an informed decision and safeguard your travel plans with confidence.

Let’s explore everything you need to know about buying travel insurance before flights.

should i buy travel insurance for my flight

What is Flight Insurance?

Flight insurance, (also known as travel insurance or trip protection), is a form of travel coverage that offers financial protection and assistance to travelers in case of unexpected events related to their flights.

It’s designed to mitigate the risks and uncertainties associated with air travel, providing peace of mind and financial security throughout the journey.

So, if you’re wondering, should you buy travel insurance for flights – yes, you should. By purchasing flight insurance, travelers can safeguard themselves against potential financial losses and ensure they receive support and compensation in the event of unforeseen circumstances impacting their flight plans.

What’s Covered in Flight Travel Insurance?

When it comes to buying travel insurance for international flights, you should first know what it covers. Flight travel insurance typically provides coverage for a range of situations and potential risks encountered during your journey – but it’s important to know most flight insurance won’t cover everything. While specific coverage can vary among insurance providers, here are some things covered by flight travel insurance:

If you need to buy travel insurance before flights, it’s important to carefully review the specific policy details, terms, and conditions of your flight travel insurance to understand the exact coverage provided. Consider your travel needs and potential risks to ensure that the insurance you choose adequately addresses your requirements and provides the necessary protection during your journey.

how to buy travel insurance for flight

Does Regular Insurance Cover Flights?

Should you buy travel insurance for flights? You might be thinking, but doesn’t my normal health or household insurance provide any coverage?
In most cases, no.

Regular insurance policies, such as health insurance or homeowner’s insurance, typically do not provide comprehensive coverage for flights. These policies are designed to protect individuals and their assets in specific contexts and may not include provisions for travel-related risks.

While some existing insurance plans might offer limited coverage for certain aspects of travel, such as medical emergencies abroad, it is crucial to review the policy details carefully.

Generally, regular insurance policies do not provide the extensive coverage needed to address common travel-related concerns like trip cancelation, lost baggage, or flight delays.

To adequately protect yourself against these risks, it is advisable to buy travel insurance for flights or trip coverage that specifically caters to the unique challenges associated with air travel.

7 Reasons Why You Should Buy Flight Insurance

Still asking yourself, “Should I buy travel insurance for my flight?”.
Well, should you buy travel insurance or not for a flight?
Ultimately, that’s up to you and the amount of risk you’re prepared to take.
But here are some pretty good reasons you should.

1. To Have Trip Cancelation Protection

Life is unpredictable, and circumstances out of your control may force you to cancel or postpone your trip. Flight insurance provides coverage for trip cancelation, ensuring you don’t suffer financially from non-refundable flights or other prepaid expenses.

2. In The Event of Flight Delays and Cancelations

Flight disruptions are common, and they can significantly impact your travel plans. Flight insurance provides compensation for expenses incurred due to delays, missed connections, or flight cancelations, such as accommodation, meals, and alternative transportation arrangements.

3. To Protect Your Baggage

Losing your luggage or having it delayed can be a major inconvenience. Flight insurance provides coverage for lost, stolen, or damaged baggage, offering reimbursement for essential items and replacement costs.

4. In Case of Medical Emergencies

Accidents or illnesses can occur while traveling, and the costs of medical treatment abroad can be exorbitant. Comprehensive flight insurance may include coverage for emergency medical expenses, ensuring you receive necessary medical care without worrying about hefty bills.

5. In The Event of An Emergency Evacuation

In critical situations, such as natural disasters or political unrest, flight insurance or trip coverage can cover the costs of emergency evacuation and repatriation to your home country, ensuring your safety and well-being.

6. For Travel Assistance Services

Flight insurance often provides access to 24/7 travel assistance services. These services can assist you with travel-related emergencies, such as providing legal referrals, arranging emergency cash transfers, or helping with lost travel documents.

7. For Peace of Mind

Perhaps the most valuable reason to buy flight insurance is the peace of mind it offers. Knowing that you are financially protected against unforeseen events during your trip allows you to relax and fully enjoy your travel experience.

Should you buy travel insurance for a flight?
We think so. Just remember, the specific coverage and terms may vary among different insurance providers, so it’s essential to carefully review the policy details to ensure it meets your specific needs.

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When’s The Best Time To Buy Insurance For A Flight?

If you’re wondering when to buy travel insurance for flights – do I buy travel insurance before or after purchasing flight?

The best time to buy insurance for a flight is typically at the time of booking. Purchasing travel insurance early ensures you have coverage for any unforeseen events that may occur before your trip even begins. By buying insurance early, you can take advantage of benefits like trip cancelation coverage, which may have specific eligibility requirements or waiting periods.

Waiting until the last minute to purchase insurance can limit your coverage options and may exclude certain benefits.

However, it’s worth noting that some insurance providers offer the option to buy insurance even after booking a flight. While this is possible, it’s important to carefully review the policy to understand any limitations, restrictions, or time-sensitive benefits associated with purchasing insurance after booking.

Ultimately, the best practice is to consider your travel plans, assess the potential risks, and purchase travel insurance as early as possible to maximize coverage and ensure peace of mind throughout your journey.

Can You Buy Insurance After You Already Booked A Flight?

Yes, you can buy travel insurance after you’ve already booked your flight. Although it’s generally best to purchase it at the time of booking, it’s possible to buy insurance at a later stage as well.

Just keep these factors in mind:

should you buy travel insurance for flights

So, how late can you buy travel insurance before your flight?

Generally speaking, you can buy coverage before the date of your trip. It’s always best to consult with insurance providers or agents to understand the specific terms and conditions related to purchasing insurance after booking your flight.

How To Get Flight Insurance

Wondering how to buy travel for flight?
Getting flight insurance is a relatively straightforward process.

In general, you can buy flight insurance from two primary sources:

If you decide that the answer to the question, “Should I buy travel insurance for my flight?” is “Yes”. Rather opt for travel insurance companies and take a look at the typical process.

Carefully review the policy details and choose a reputable insurance provider that offers comprehensive coverage to protect your travel plans and provide peace of mind throughout your journey.

how late can you buy travel insurance before your flight

Things To Consider When Looking For Flight Insurance Providers

When searching for flight insurance providers, it’s essential to consider several factors to ensure you select the right coverage for your travel needs.
Here are some key points to consider:

By considering these factors, you can make an informed decision when considering, “should I buy travel insurance for my flight?”, as well as when it comes to selecting a flight insurance provider. Carefully review policy details, compare options, and choose the provider that offers the coverage, value, and peace of mind you seek for your upcoming journey.

Leading Companies To Buy Flight Insurance From

Did we convince you? Are you asking yourself, “where can I buy flight-only travel insurance?”
Don’t worry, we have a list of some leading insurance providers you can consider.

Purchasing flight insurance can provide you with valuable protection and enhance your overall travel experience by mitigating potential risks and uncertainties.

Here are some leading insurance companies that sell flight insurance with an overview of what typical policies cover. These insurance providers are partnered with Air Doctor – which means you can access the Air Doctor service as part of your coverage – to find a local doctor anywhere, anytime. Plus, you don’t need to pay out-of-pocket (since your insurance provider covers the cost), and you don’t need to deal with the hassle of filing a claim.

Note: All policy information is taken from each insurance provider’s respective website.

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Allianz Partners:

Allianz Partners is a prominent insurance company offering flight insurance. Their policies provide comprehensive coverage for travelers.

Key features of their flight insurance include:

Here’s more info about how Air Doctor’s service works with Allianz Partners.

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ERGO Reiseversicherung:

ERGO Reiseversicherung, a part of the ERGO Group, is a reputable German insurance company specializing in travel insurance, including flight insurance.

Their flight insurance policies offer the following coverage:

Here’s more info about how Air Doctor’s service works with ERGO Germany.

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ERGO Seguros de Viaje:

ERGO Seguros de Viaje is a Spanish insurance company, also a part of the global ERGO Group, that provides flight insurance policies for travelers.

Key features of their coverage include:

Here’s more info about how Air Doctor’s service works with ERGO Spain.

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FBTO is a renowned Dutch insurance company offering flight insurance policies for travelers.

Their coverage includes:

Here’s more info about how Air Doctor’s service works with FBTO.

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DR-WALTER, a German insurance company specializing in travel insurance, is a reliable option for flight insurance. Their policies include:

Here’s more info about how Air Doctor’s service works with DR-WALTER.

These leading companies provide a range of flight insurance options with varying coverage levels to cater to different travel needs. It is advisable to review the specific terms and conditions of each policy before making a decision.

Travel Worry Free With Air Doctor

Don’t forget to use the Air Doctor app if you’re looking for a reliable, local doctor while abroad. With the app, you can effortlessly browse and schedule consultations with nearby doctors, even if your insurance provider isn’t affiliated with Air Doctor.

However, if you want to ensure that your consultation expenses are fully covered and you don’t have to pay out-of-pocket, it’s essential to check with your provider regarding their partnership with Air Doctor or their willingness to cover the consultation costs.

Our user-friendly app enables you to browse through local doctors who speak your language, facilitating appointments for clinic, at-home, or virtual consultations with the doctor of your preference, regardless of your location or the time of day.

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Jenny Cohen Drefler

Jenny Cohen Derfler

Air Dr CEO & Co-Founder

Jenny is the CEO and one of the Co-Founders at Air Doctor. She spent more than 20 years at Intel, most recently as general manager of its manufacturing facility in Israel and before that in various engineering and manufacturing roles in Silicon Valley. Air Doctor is her second startup having previously founded electric vehicle company ElectRoad.