Does Travel Insurance Cover Points

When you invest in travel insurance, you’re essentially securing a policy to provide financial protection in case of emergencies during your travels.

However, it’s crucial to understand the extent of coverage provided.

While some assume travel insurance covers all issues that might arise away from home, that’s not necessarily true.

For instance, many people mistakenly believe it covers expenses related to missed flights or connections.

In reality, most policies only offer coverage if your flight is canceled due to specific events, like severe weather conditions.

It’s important to note that travel insurance doesn’t cover loyalty points.

Does travel insurance cover points
Travel insurance doesn’t cover points or miles due to their lack of cash value. It reimburses out-of-pocket expenses, not retail costs. Most policies exclude fees and taxes payable with vouchers or rewards points. These excluded expenses must be paid with cash or credit card, and insurance covers these costs: Photo source (Indeed)

What is not covered by travel insurance?

Most travel insurance won’t cover trip cancellations or interruptions due to ongoing events like hurricanes or disease outbreaks.

However, a comprehensive policy offers coverage for delays, sickness-related cancellations, lost luggage, and emergency medical expenses, providing peace of mind during your travels.

Does travel insurance cover timeshare points

If you have a timeshare, your travel insurance might not cover trip cancellations or interruptions.

However, you can buy additional coverage for expenses like airfare.

Many plans include various protections like medical coverage, baggage loss, and trip delays, providing crucial coverage for unexpected events during your travels.

How can I get rid of my timeshare points

To legally exit a timeshare, explore options like the rescission period, contacting the developer, renting it out, selling on the resale market, or gifting it.

For vacation points, be aware of maintenance fees, expiration rules, and potential fees for extending or transferring points.

Carefully review the fine print to grasp the expiration policy details.

Can I rent my timeshare points?

Certainly, you can typically list your timeshare for rent on platforms like Timeshares Only.

While there’s an annual maintenance fee, it’s a secure and straightforward process.

Regarding travel insurance, despite the 5 to 10 percent cost relative to your trip, it’s a valuable investment.

It can potentially reimburse substantial amounts, covering expenses like emergency evacuation, medical bills, and costs related to trip interruptions, making it worthwhile.

When should you take travel insurance out?

Travel insurance policies reimburse specific trip-related losses, with coverage varying based on the provider and policy type.

Typically, it includes trip cancellation, interruption, delays, medical expenses, and lost or stolen baggage.

Some policies cover activities like adventure sports or rental car damage.

Additionally, Department of Transportation rules ensure a full flight refund in case of cancellation, regardless of the reason.

How long can you stay off travel insurance

For trips lasting over 30 days, long-stay travel insurance (up to 90 days) is essential.

It offers extended coverage during your travels.

The cost of travel insurance depends on factors like age, destination, coverage level, and pre-existing health conditions.

Compare prices to find the best deal for your trip.


Travel insurance policies vary, and coverage for points is not guaranteed.

It’s crucial to read the policy details carefully, as each policy differs.

While some may cover points, it’s not a universal inclusion.

Understanding the fine print is essential before purchasing travel insurance.

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