American Airlines Flight Insurance - 2020 Review
American Airlines Flight Insurance is available through the American Airlines site. The cover is expensive, yet the benefits are weak.
There are much better alternatives available from specialist travel insurance carriers.
American Airlines Flight Insurance – Recent Example
We were looking at a flight from San Francisco to London in May. American quoted $929 for the flight we were interested in.
American Airlines Flight Insurance is available to travelers as part of American’s relationship with Allianz. Whilst Allianz is a good insurance carrier, its flight insurance through airlines tends to be expensive, with weak benefits. This is the case with American, as well.
American Airlines Flight Insurance - Insurance Quote
$92 provides us with Trip Insurance that has major areas of cover:
$10k – Emergency Medical $50k – Emergency Medical Transportation
We are specialists in this field, and we know that those are low benefit levels. However, the average traveler would not know this. They would also not know if the price offered good value or not.
American Airlines Flight Insurance - Aardy **Advice**
Our consistent advice at AARDY has always been to check the market. It really does only take two minutes in order to check alternatives to American Airlines Flight Insurance.
Remember, the travel insurance industry in the USA is huge. Over $3bn is spent each year. There are major insurance providers such as AIG TravelGuard, iTI, IMG, Travelex and RoamRight seeking your business. They offer competitive plans with world-class service.
American Airlines Flight Insurance – Much Better Alternatives
A quick search gave us a series of better options through the AARDY site.
With this particular flight, we returned 16 different plans for a customer to choose from. Concentrating on the cheapest plans initially.
RoamRight, iTI and Travelex all return highly competitive options for a customer.
All of these offer better cover than the American Flight Insurance sold by Allianz. They do so at one-third of the price. We think that is pretty remarkable.
We like the RoamRight Preferred Plan at $32. The Travelex Travel Basic Plan at $33 also offers terrific value.
However, the winner on this quote was the iTI Travel Lite plan at $30.
Do remember, American Flight Insurance was $92 and covered: $10k for Medical Emergencies, and $50k for Medical Transportation.
Aardvark’s iTI Travel Lite Plan was $30 and covered: $100k for Medical Emergencies, and $250k for Medical Transportation.
A customer is getting between five and ten times as much coverage. Yet pays less than one-third of the price.
To add to the benefits on this plan, the iTI policy provides cover if your vacation is canceled by your employer. When we look, the American Flight Insurance has no such cover.
It does seem that whenever we review the insurance that is available through American Airlines, we get the same result. High prices, poor levels of cover.
American Airlines Flight Insurance – Cancel for Any Reason
Some customers want the ability to Cancel their Trip for Any Reason, and still receive compensation. In the USA we are able to provide Cancel for Any Reason Flight Insurance.
This cover allows a traveler to take advantage of what we have called the Airline Ticket Hack – Refundable benefits, yet with Non-Refundable Ticket Costs.
American Flight Insurance will not allow a traveler to cancel for any reason – American Airlines wants customers to buy fully Refundable or Flexible seats.
When we select cover to include this Cancel for Any Reason benefit, our preference becomes the TII – Worldwide Trip Protector Plus.
TII will refund 100% of our money if we cancel for work reasons. They will refund 75% of our money if we cancel for any reason whatsoever. This CFAR cover comes in at $75, which is still LESS than the cover proposed by Allianz for American Flight Insurance.
American Airlines Flight Insurance – One Site – Many Carriers
Think of us at AARDY as Amazon for flight insurance. Comparison-shopping is easy. At AARDY we make comparing flight insurance easy. You do not need to go to every insurance carrier. You do not need to leave your contact details with every trip provider.
Remember, we are not advocating that you buy the cheapest flight insurance. Cheap flight insurance may not offer the cover you need. What we suggest is that you spend a couple of minutes to see the best options and choose what you need.
American Airlines Flight Insurance – Why Bother to Compare?
At AARDY we typically like to compare around 30 different insurance plans for our customers. Most of these plans can be divided into Silver, Gold or Platinum types of cover as we did above. Silver is basic, Gold is normal, Platinum has more coverage. Platinum would tend to incorporate Cancel for Work and Cancel for Any Reason benefits.
So when buying trip insurance, which should you choose? That’s the beauty of insurance comparison – you get to see all the best prices in the market.
What do most people buy? Well, most people who shop around for trip insurance tend to take the 'Gold' plan policies on offer from the flight insurance carriers. So, if you are unable to decide, and need a little guidance, that would be our simple suggestion.
TII Worldwide Trip Protector iTI SE RoamRight Preferred AIG Gold Travelex Travel Select
All offer great comprehensive cover for your next trip.
American Airlines Flight Insurance – Does AARDY charge More?
You won’t find the same trip insurance plans available at a better price – price certainty is guaranteed as a result of anti-discriminatory insurance law in the US. This is really powerful consumer protection.
A flight insurance marketplace like AARDY will offer a multitude of different plans from some of the most respected flight insurance carriers in the country. You will only need a few minutes to check value for money, cover, and insurance carrier ratings.