Is Alaska Airlines Travel Insurance Worth Buying? – Company Review

Alaska Airlines Travel Insurance

4.7

INSURANCE PARTNER

8.0/10

COVERAGE OPTIONS

4.0/10

PRICE

2.0/10

Strengths

  • Available at Check-Out

Weaknesses

  • Very Expensive
  • Weak Benefits
  • Insufficient Travel Insurance Cover

Alaska Airlines has grown steadily in recent years. It has a passionate customer base, and some unique branding. It also has some of the best special livery paint-jobs of any airline in the USA. We reproduce one of their retro deigns below. However, Alaska Airlines Travel Insurance is very expensive, with incredibly limited cover.

Alaska Airlines Travel Insurance | AardvarkCompare.com

As with so many other airlines in the USA, Alaska Airlines Travel Insurance is part of the Allianz Travel Insurance family of trip insurances. When asking the question ‘Is Alaska Airlines Travel Insurance Worth Buying?’, the answer is no, it can’t be, because it is provided by Allianz. Now, Allianz is a highly respected trip insurance carrier, but its plans are weak, and insanely expensive. We find this time and time again. There are much better options available to Alaska Airlines customers if they search the wider travel insurance market. Enjoy our Alaska Airlines Travel Insurance Review.

 

Passengers in the US are used to airlines pushing various ancillary services on check-out. Over recent years, the hard sell on flight insurance has become stronger, which is a shame. Most passengers would appreciate strong cancellation benefits. They would like powerful Travel Medical Insurance. They would feel comforted knowing that Travel Medical Evacuation insurance was included. Yet, none of this is included in Alaska Airlines Travel Insurance, which is baffling.

Remember as well that Alaska Airlines does not want to offer any forms of trip cancellation insurance that could compete against its lucrative Refundable tickets. We will share a hack around that later in this article.

Alaska Airlines – Site Layout

Alaska Airlines offers us the choice of Non-Refundable or Refundable flights.

Take a look at the Non-Refundable flights we were able to choose from.

Alaska Airlines Travel Insurance - Flight Grid Non-Refundable | AardvarkCompare.com

And here are the Refundable choices.

Alaska Airlines Travel Insurance - Flight Grid Refundable | AardvarkCompare.com

Alaska Airlines, like most others, charges substantially more for its Refundable tickets than for the Non-Refundable. In this case, a Refundable ticket is going to cost an extra $2,000. Surely, there is a better way?

Well, there is – use a comprehensive flight insurance that incorporates Cancel for Work Reason and Cancel for Any Reason. A customer will get all of their money back if they have their vacation cancelled by an employer – this is a big concern for many of us.

In fact, a customer would get a 75% refund if they cancelled without any reason at all. This is a super-powerful benefit.

We named this the Airline Ticket Hack, and we will cover it a little later in this article.

In the meantime, let’s book our flights.

Alaska Airlines Trip Insurance Price & Cover

We selected a return trip that came in a few dollars short of $2,000.
Alaska Airlines Travel Insurance - $1,996 Business Class Return | AardvarkCompare.com

With our flight chosen, we received the inevitable hard sell for Alaska Airlines Flight Insurance. The airline uses quite punchy language to persuade us to buy its trip cover. Try to resist the urge to buy the policy that it offers you. The best Alaska Airlines Travel Insurance policy is awful. It is not possible for us to find such an expensive policy with such poor cover elsewhere in the general insurance market.

Take a look:

Alaska Airlines Travel Insurance - $125 | AardvarkCompare.com

Alaska Airlines tells us to ‘Buy travel insurance. It can protect you against trip cancellation costs.’

Well, of course it can. But not the policy that Alaska wants to sell you. The Alaska Airlines Trip Protection is only offering cancellation benefits if you get too injured or sick to travel, or someone close to you dies. We really want to see more than that in a policy.

Whilst this is nice to have, so what?
Where is the medical cover? Health benefits are critical elements of most policies.
Can you see any medical evacuation benefits?
What if my vacation is cancelled by my employer? Details like this matter in any rating of a policy.

Alaska Airlines Travel Insurance - Benefits | AardvarkCompare.com

We think that Alaska Flight Insurance is missing some major components that are ordinarily included in every policy. Is Alaska Airlines Travel Insurance worth it? Not, with this sort of coverage structure.

What Is Alaska Airlines Travel Insurance? – Detailed Comparison

We wanted to check out how Alaska priced its Flight Insurance against another airline that used the same Allianz Flight Protector.
Same price, but totally different cover levels. We had never seen this before.

Alaska Airlines Flight Insurance Pricing – 6.75% of your total ticket cost and service fees

  • Trip Cancellation up to trip cost ($5,000 max.)
  • Trip Interruption up to 150% of trip cost ($5,000 max.)
  • Baggage Cover $300
  • Travel Delay $200 ($150/day max.)
  • Baggage Delay $150
  • Concierge Included
  • 24-Hour Hotline Assistance Included
  • Existing Medical Conditions Available

Now, this is awful, truly bad.
We will explain why in a moment.

But before we show you what real high-quality flight insurance should look like, take a look at the numbers below. You see, Allianz offers its awful flight insurance with many different airlines. But different airlines get different cover levels. For the same price.

An Alaska Airlines Flight Insurance (from Allianz) customer will get less cover than a JetBlue Flight Insurance (from Allianz) customer, yet pay the same. Does that not drive you crazy?

We reproduce the JetBlue travel insurance cover below. Note the maximum cover levels are between double and triple that of Alaska Trip Protection. Travel delay insurance and baggage delay cover are all better with JetBlue than with Alaska. Don’t for a moment think that we are promoting JetBlue’s insurance. Actually, when we reviewed it, we thought it was awful. Yet, somehow, it is better than the same-priced flight insurance cover from Alaska. We highlight the differences in bold.

JetBlue Flight Insurance Pricing – 6.75% of your total ticket cost and service fees

  • Trip Cancellation up to trip cost ($10,000 max.)
  • Trip Interruption up to 150% of trip cost ($15,000 max.)
  • Baggage Cover $300
  • Travel Delay $500 ($150/day max.)
  • Baggage Delay $200
  • Missed Connection Cover $500
  • Concierge Included
  • 24-Hour Hotline Assistance Included
  • Existing Medical Conditions Available

Now, let’s look again at the Alaska Airlines Travel Insurance policy and see what is missing. Its policy is not cheap and it is missing key benefits. Certainly, it will not be the best trip insurance for many travelers.

Alaska Trip Insurance Has No Travel Medical Insurance Coverage

Every single travel insurance policy that we offer includes travel medical insurance. Even for domestic flights. Think about it for a moment. Missed flight insurance, or flight change insurance, is potentially quite helpful. But most of us want travel medical cover – the costs can be astronomical. Granted, most of us have medical insurance in our home state. But, check your policy – how much cover do you have out-of-network or out-of-state. No one wants those types of additional cost – that is what trip insurance on flights ought to cover. The best Alaska Airlines Travel Insurance should include health cover. Every policy that we provide a rating for has health cover for domestic trips.

Alaska Travel Insurance Has No Travel Medical Evacuation Cover

Travel Medical Evacuation Insurance gets us to a hospital that can treat us. This type of transportation can be crippling, which is why travel insurance should cover it. Not with Alaska Flight Insurance.

Alaska Flight Insurance Does Not Cover Vacation Cancellation

Many of us worry that our vacation, that had been approved, suddenly gets rescinded. Cancel for Work Insurance cover protects us in this instance. We like to see this in all our policies, including domestic flight insurance. Alaska flight protection does not provide this critical cover.

Alaska Airlines Redundancy Protection Requires Three Continuous Years of Service

The best flight insurance programs offer great benefits that are relevant. Alaska flight protection will cover us if we are made redundant. But, we need to have been continuously employed for three years for this cover to kick in. The best travel insurance policies we see need only one year of continuous employment. This type of flexibility is increasingly relevant to a working population who frequently change jobs. We don’t get that type of flexibility with the Alaska Airlines Policy.

AardvarkCompare Travel Insurance Options

AardvarkCompare is a travel insurance marketplace. We work with some of the largest trip insurance carriers in the country. We provide your travel information to them, anonymously, then bring back binding quotes. This way you are not inundated with insurance companies’ emails. Nor do you have to waste time shopping for quotes.

So, it only takes one minute to get a range of trip insurance for flights with Alaska Airlines. Here is what we got back when we ran a search for travel insurance.

Alaska Airlines Travel Insurance - AardvarkCompare Options | AardvarkCompare.com

The cost of Flight Insurance with Alaska Airlines was $125.
Do remember that Alaska Airlines insurance has no medical evacuation cover. Alaska offers no vacation cancellation insurance, and no travel medical insurance.

However, you can clearly see that the lowest cost travel insurance that we find through Aardvark is only $49. That is well under half of the cost of Alaska Airlines Travel Insurance.

Every single travel insurance that we find at AardvarkCompare incorporates travel medical insurance in addition to travel medical evacuation cover.

If you are looking for a world-class low-cost flight insurance, our recommendation in this case would be the iTI Lite Flight Insurance. A low-cost trip insurance policy for our flight was charged at $55 – this is very competitively priced.

Alaska Airlines Travel Insurance - iTI Lite | AardvarkCompare.com

Comparing Alaska Airlines $125 Policy against the $55 iTI Policy

However, despite being one of the lowest cost Travel Insurance policies we sell, the iTI Lite policy has a very strong set of coverage benefits.

iTI Lite Time-Sensitive Benefits

  • Cancel for Work Reason: 100% refund
  • Pre-Existing Waiver: Yes
  • Time-Sensitive Period: 20 days
  • Free Look Period: 10 days
  • Pre-Existing Look-Back: 60 days

iTI Lite Regular Benefits

  • Medical Cover: Secondary
  • Covered Cancellation: 100% refund
  • Medical Sickness: $100,000
  • Medical Evacuation: $250,000

Work Cancellation

  • iTI Lite – Yes
  • Alaska – No

Redundancy Cover

  • iTI Lite – Only one Year of Continuous Employment
  • Alaska – Three Years of Continuous Employment is required

Travel Medical Insurance

  • iTI Lite – $100k Cover
  • Alaska – $0. You are on your own

Travel Medical Evacuation Insurance

  • iTI Lite – $250k Cover
  • Alaska – $0. You will need to cover every cent yourself

These are significant differences in policy benefits. The iTI Lite policy is significantly better than that which is offered by Alaska Airlines. In fact, every policy that we offer has greater cover at a lower price than the Alaska Policy. Our most comprehensive policies cost less than the skinny cover offered by Alaska. Should you get Alaska Airlines Travel Insurance? Well, not from Alaska – its policy is expensive with poor cover.

Cancel for Any Reason – Airline Ticket Hack

Earlier we discussed the logic behind buying a Non-Refundable ticket. Take a moment to think about what an airline is doing when it offers us a Refundable ticket.

In our case, Alaska Airlines was asking for an extra $2,000 to book a refundable ticket. And we know that every single day there are customers who pay double and triple the lowest-priced non-refundable fare so as to get a refundable ticket.

This airline pricing tactic drives us insane. We are talking about sitting in the same aircraft. We will be eating the same food, and watching the same movie. Our seat will be identical. But, we need to pay $2,000 more in case we wish to cancel.

There is a reason that airlines do not like to sell flight insurance with comprehensive cancellation benefits. The airline wants to sell you a Refundable ticket. Think about it – in our case, the airline would be able to charge $2,000 extra to give us the privilege of cancellation. Do understand that a cancelled seat is not lost to the airline – they get to sell it to someone else later.

Do recall that our low-cost travel insurance suggestion was the $55 policy from iTI. It has trip medical protection, evacuation cover and 100% Refund work cancellation benefits. It is a very comprehensive trip insurance.

But, there are those of us whose travel plans are so chaotic that we worry about needing to cancel our planned trips. We are making the choice to cancel – it is not an employer who is forcing us to cancel a vacation.

So, if we simply choose to cancel our flight, then normal ‘Cancel for Work’ flight insurance will not protect us. This is where Cancel for Any Reason Travel Insurance comes in.

Cancel for Any Reason Travel Insurance

Cancel for Any Reason Travel Insurance is beautifully named. It describes itself perfectly. You may cancel your flight or vacation for any reason at all, and get a 75% refund.

Think about that – your regular cancellation benefits are still intact. So, if you cancel for a serious illness or vacation cancellation, then you receive a 100% Refund.
But if there is no reason for you to ordinarily be able to claim, then Cancel for Any Reason cover offers you 75% back.

We think that this is crazy-powerful. There is little or no reason to ever book a Refundable ticket again.

Cancel for Any Reason is embedded into the most comprehensive travel protection policies available in the market.
Take a look at the options.

Alaska Airlines Travel Insurance - Cancel for Any Reason | AardvarkCompare.com

Now, we see both the iTI Travel LX and the Worldwide Trip Protector Plus from Travel Insured International. We want to highlight the benefits in the TII Worldwide Trip Protector Plus. It is the most expensive policy we sell for this trip. A customer looking to purchase flight insurance who chose this policy would pay $123. The health benefits on this policy are significant.

But that is still less than the $125 for the Alaska Airlines Trip Protection.
That’s insane.
We do not see why anyone would buy Alaska Airlines Travel Insurance from the airline, when there are much better alternatives.

Look at the differences:

Travel Insured International – Worldwide Trip Protector Plus – $123

Time-Sensitive Benefits

  • Cancel for Any Reason: 75% refund
  • Cancel for Work Reason: 100% refund
  • Pre-Existing Waiver: Yes
  • Time-Sensitive Period: 21 days
  • Free Look Period: 14 days
  • Pre-Existing Look Back: 60 days

Regular Benefits

  • Medical Cover: Primary
  • Hospital of Choice: Yes
  • Covered Cancellation: 100% refund
  • Financial Default: Yes
  • Medical Sickness: $100,000
  • Medical Evacuation: $1,000,000

Alaska Airlines Flight Insurance – $125

Time-Sensitive Benefits

  • Cancel for Any Reason: 0% Refund
  • Cancel for Work Reason: 0% Refund
  • Pre-Existing Waiver: Not for Medical Sickness
  • Time-Sensitive Period: 14 days
  • Free Look Period: 10 days
  • Pre-Existing Look Back: N/A

Regular Benefits

  • Medical Cover: No Cover
  • Hospital of Choice: No Cover
  • Covered Cancellation: 100% refund
  • Financial Default: Yes
  • Medical Sickness: $0
  • Medical Evacuation: $0

Please, compare the two policies. They are near-identical in price. Yet the Alaska Air Flight Insurance has almost no cover when compared with the TII Policy. You can easily find better insurance than Alaska Airlines offers. You just need to look for it, which is where we come in.

AardvarkCompare – Compare & Save

AardvarkCompare is a travel insurance marketplace. We get binding insurance quotes, anonymously, from all of our major travel insurance carriers. The insurance carriers will not contact you. We provide simple comparison for trip insurance. All of our insurance carriers are licensed and appointed in all 50 states, and D.C. They all have at least an ‘A’ rating from A.M. Best.

Does AardvarkCompare Charge More?

In the USA insurance is regulated in such a way that the same policy cannot be sold at a lower price. We cover this in our excellent article: Travel Insurance Comparison.

What does this mean to a consumer?
It means that the cost of flight insurance that you see through us is the exact same as if you went direct to the insurer. We do not charge a cent more than if you went direct. You cannot get better rates. Give us one minute of your time, and let us compare the travel insurance market for you. It is possible to find cheap Alaska Airlines Travel Insurance, but not from the airline.

So, enjoy your next trip with Alaska Airlines.
Please, do consider how to get Travel Insurance, and check your options.

Safe travels.

Recent AardvarkCompare Travel Insurance Customer Reviews

TP1|AardvarkCompare.com

TP3 | AardvarkCompare.com

I Panicked When I Discovered
I panicked when I discovered the Travel Insurance I had through Expedia had expired when I changed my flight reservation.
When I went to renew I was told I couldn’t.
I discovered Aardvark on my AARP site and I was excited I could purchase an even better travel plan with cover starting with my trip departure, at a cost I could afford.
I was confused with the initial site and Mr. Breeze reached out to me for clarification.
He explained the policy more thoroughly and addressed all my concerns, can’t get any better than that!
Thank You Aardvark and thank you Jonathan for your assistance.
I can go on my trip now knowing I’ll be covered for medical emergencies and then some. 
Barbara

 

TP6 - AardvarkCompare Review | AardvarkCompare.com

Good Choices, Well Explained
I liked the way insurance was explained. I had read an article your company had written explaining Expedia trip cover versus other choices.
I used this advice to make the best choice for me and my traveling companions. That choice was to take a policy that provided much better medical and evacuation primary care.
Your site allowed comparisons, and I think I got the best value for my money. I don’t like constant follow up emails, though. You could back off a bit!!
Louise

 

 

Sharing is caring!


Quick quote

$