To know your right to reimbursement for a flight, we first need to look at how travel insurance is covered by airlines and how to book a flight. When booking a flight, there is the likelihood of cancellations or delays in your flight. These things happen and will seriously ruin your plans, but what can you do about it. A reimbursement is a good start. So, what do you need to do to ensure you still reserve the right to reimbursement in case of a flight delay or cancellation?

Travel Insurance that airlines cover

Travel insurance typically covers individuals' costs and losses associated with flights. Below are ways that travel insurance covers you.

If there is a cancellation or interruption of a flight due to personal or medical reasons, then your travel insurance will reimburse you for the ticket bought. Interruption of a trip typically falls under the same rules as a cancellation. Your travel insurance should reimburse you in the event that your trip is interrupted and you have to go back home due to an emergency.

Travel delay benefits are also covered by travel insurance. When a flight is delayed because of factors beyond your control like bad weather for instance, then travel insurance is supposed to reimburse you for your flight, hotel accommodations and meals. More to this, if a delay causes you to miss a connection, then your insurance provider should ensure that you get an alternative flight to your destination.

Lost or delayed luggage is also covered by travel insurance and full reimbursement for the items should be provided. In the case of delayed luggage coverage instead, the benefit ensures that you get the money that will facilitate you buy essentials you need before your luggage arrives.

Things to consider while booking a flight.

The time of year you are booking is a major factor to consider. Airlines usually price their flights based on the day of the week and season of the year. Therefore, it advisable to choose a time of year when not so many people are traveling for you to enjoy the best price for a ticket.

It is important to check whether your airline of choice accepts your travel insurance before booking a flight. Consider if you want to book a budget or legacy airlines depending on how financially comfortable you are.

Also, consider taking flights with layovers. Direct flights are often more expensive than ones with layovers. In order to save more, you could also take advantage of discounts like student discounts for students under 26 years.

Finally, book the flight prior to your trip. It is advisable to book 6 to 8 weeks or at most 3 months before the trip. This way, you are able to get tickets for an affordable rate before they become high on demand.

Know your right to reimbursement

Your flight may get canceled, delayed or a personal emergency may come up. Getting a reimbursement may prove sometimes challenging as you may not be aware of how to go about it.

If a flight has been canceled and the airline notifies you of the cancellation in less than 14 days before the trip, then you have a right to reimbursement. However, if you are notified 14 days or more to the flight the there is no compensation, mostly in this case, you are offered a new flight and the itinerary is always sent to your email.

In the event of a delay that lasts a minimum of 3 hours, you have the right to reimbursement, rerouting flight or re-book another flight. These factors hold unless the delay is due to extraordinary circumstances like extremely bad weather. During an overbooking, you also have a right to reimbursement.

In a wrap, it is important for you to get travel insurance whenever you are traveling. Travel insurance ensures that you are protected from any unforeseen emergencies that may interfere with your trip. While booking a flight it is important to look at all your options before selecting a destination, airline, and type of trip. Knowing your rights to reimbursement is also important. This way you know the situation that you can ask for a reimbursement and your right.

Travel Tips & Tricks + Get The Scoop on Travel Insurance!