American Airlines is the most popular airline company in the USA; many customers trust their services because of the years of service they have in the market. In addition, they offer quality travel insurance.
Going on a trip is one of the greatest pleasures of most people; many relax from the moment they sit in their seats on the plane. However, it is not advisable to embark on a trip without first taking out travel insurance.
What will American Airlines travel insurance cover?
It is more beneficial to take out as many services as possible with the same company to avoid being aware of different elements simultaneously. American Airlines travel insurance is popular among travelers who often use the company. With the Premium plan, you will have:
- Trip interruption: up to the cost of the trip, you will have a maximum of $10,000
- Trip cancellation: a maximum of $10,000
- Trip delay: $150
- Medical emergency: $10,000
- Emergency medical transportation: $50,000
- Coverage for existing medical conditions: you must call the 24-hour hotline
- Dental emergency: up to $500 with a $50 deductible.
- Change fee coverage: $150
- Baggage Loss or damage: $500
- Baggage delay: $100
- Concierge
The premium plan is the best insurance. However you can find other options, but you should ask for prices and coverage when booking your ticket.
Is American Airlines travel insurance recommended?
After evaluating some comments from previous customers, the opinions on whether it is recommended or not are very varied. Some say it has benefits, especially in case of lost luggage. At the same time, others point out that it is too expensive for the benefits offered.
The Premium insurance of America Airlines has a price of $92 on the ticket fare, and in medical emergencies, you have up to $10,000; this can be interesting. But there are other insurances with an initial fee of 30$ and coverage of 10.000$ in medical emergencies.
We do not mean that it is not recommended; the secret to knowing if it is the right insurance is to evaluate your coverage and compare it with other options. You can find many insurance comparators on the internet to make your job easier.
What is American Airlines’ travel cancellation policy?
One of the most striking coverages among users is this; the trip cancellation has a maximum of $10,000, that is, that will be what you get if your trip is canceled. You must know under what circumstances this will apply.
As explained by the company, the cancellation policy found in the travel insurance applies when there is an unforeseen illness, injury to you or any of your travel companions, or unexpected death. It does not apply here for trip cancellation for no reason or cancellation of coverage for work.
Travel Insurance Exclusions
Another factor to consider before purchasing insurance is the exclusions. Most of the exclusions are against uncontrollable situations generated naturally, and that usually causes concern, for example:
- War
- Riots
- Epidemics
- Pollution leading to grounded or delayed flights
- Natural disasters
- Civil unrest
- Government travel bans
- Terrorism
- Radioactive or nuclear events
When we read it in company security policies, they may seem extreme and unattainable. Still, we live in a changing world where at any moment, we can face difficult problems such as those mentioned above.
Exclusions in health care coverage
Another factor you should consider is the exclusions in case of illness; the company will not be responsible in case of:
- Pregnancy, childbirth, or fertility treatments
- Pre-existing medical conditions
- Health problems derived from the consumption of drugs or alcohol
- Mental health problems where self-injury is provoked
- Issues arising from competition or training in professional or amateur sports
How does the insurance behave about COVID-19?
Among the exclusions are epidemics; therefore, American Airlines travel insurance does not protect against issues caused by this reason. It is therefore recommended that you take all necessary precautions before traveling.