Current Events

9/23/2019 - Thomas Cook Airlines

by Travel Insured | Sep 24, 2019

On Monday, September 23rd, 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.


This website contains highlights of the plans, which include travel insurance coverages underwritten by United States Fire Insurance Company under form series T210 et. al., TP-401 et. al., and T7000 et. al. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2020. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The plans also contain non insurance Travel Assistance Services provided by C&F Services through Active Claims Management (2018) Inc., operating as Active Care Management. Coverages may vary and not all coverage is available in all jurisdictions. Insurance coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing conditions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions, and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. Your travel retailer maybe compensated for the purchase of a plan. CA DOI toll free number: 800-927-4357. MD Insurance Administration: 800-492-6116 or 410-468-2340. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Travel Insured: P.O. Box 6503, Glastonbury, CT 06033; 855-752-8303; customercare@travelinsured.com; California license #0I13223.