: Insurance only covers "foreseeable" events; once a storm is named or a pandemic is declared, it is usually too late to buy coverage for that specific event.

: Statistical "flight insurance" kiosks at airports that only cover aviation accidents are rarely a good value; focus instead on comprehensive travel protection.

: Many premium travel cards already include trip delay or cancellation insurance as a built-in perk, which may make an additional purchase unnecessary. Key Coverage Features

: If your tickets are expensive and non-refundable, insurance acts as a safety net.

: Companies like Allianz Partners and Travel Guard offer standalone flight insurance or comprehensive travel plans.

: Provides reimbursement if your luggage is lost, stolen, or damaged during the flight.