On Monday, September 23^rd, Thomas Cook Airlines announced the cancellation of all flights due to bankruptcy. The aviation authority launched a website where customers can find details on these flights. With several travelers concerned about their upcoming planned travel, Travel Insured clarifies what exactly could be covered with its travel protection plans.

Which coverage could apply if my flight is cancelled?

Trip Cancellation or Trip Interruption coverage could come into effect.  One of the covered reasons for both of these coverages in many of Travel Insured’s plans, including the multi-state Worldwide Trip Protector and Worldwide Trip Protector Plus plans, is the bankruptcy or default of an airline. This covered reason is only applicable if your coverage was in effect for 14 days or more as of September 23rd, 2019. Your plan also must have been purchased within 21 days of the date that your initial deposit was received as well.

Change Fee: If your plan contains coverage for Trip Cancellation or Trip Interruption due to the bankruptcy or default of an airline, please note that in many plans, including the multi-state Worldwide Trip Protector and Worldwide Trip Protector Plus plans, full Trip Cancellation/ Trip Interruption benefits cannot be paid if alternate transportation is available.  If alternate transportation is available, benefits will be limited to the change fee charged to allow you to transfer to another airline in order to get to your intended destination. 

If your plan does not include coverage for Trip Cancellation or Trip Interruption due to the bankruptcy or default of an airline, your plan, such as the Worldwide Trip Protector Lite plan, may still include a stand alone Change Fee coverage. This coverage could apply if you are already on your trip and need to change your connecting or returning flight, since coverage for this benefit does not begin until departure.   

Please refer to your actual plan document for the specific terms and conditions of the specific plan purchased as eligibility for coverage varies based upon the specific plan terms, conditions and limitations, and may vary by state or may not be available in all.