Current Events

9/30/2019 - XL Airways

by Travel Insured | Oct 04, 2019

On Monday, September 30th, XL Airways announced the cancellation of all flights due to suspending their operations. Customers can find information about the closing on their website. 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 30th, 2019. Your plan also must have been purchased within 21 days of the date that your initial deposit was received as well. Please note, however, there is no Trip Cancellation or Trip Interruption coverage if you directly purchased your flight with XL Airways. Rather, plans can only provide coverage if a third party, such as a travel advisor, purchased a flight with XL Airways on your behalf.

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 World Wide Trip Protector and World Wide 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 World Wide 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. The multi-state versions of the World Wide Trip Protector and World Wide Trip Protector Plus plans also contain stand alone Change Fee coverage and this can apply even if you do not qualify for Trip Cancellation or Trip Interruption coverage. However, as with the World Wide Trip Protector Lite plan, this coverage only applies 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.


Insurance benefits in the plans are subject to limitations and exclusions, including an exclusion for pre‑existing conditions.

This website contains highlights of the plans, which include insurance benefits underwritten by the United States Fire Insurance Company, Home Office: 305 Madison Ave, Morristown, NJ 07960, Administrative Office: 5 Christopher Way, 2nd Floor, Eatontown, NJ 07724. United States Fire Insurance Company is currently authorized to transact business in all states and the District of Columbia. NAIC No. 21113. 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. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2018. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Coverages may vary and not all coverage is available in all jurisdictions. In most states, your travel retailer is not a licensed insurance producer/agent, and cannot evaluate, interpret, or answer technical questions about the technical terms, benefits, exclusions, and conditions of our plans or 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. California license #0I13223, 855 Winding Brook Drive, Glastonbury, CT 06033. CA DOI toll free number: 800-927-4357. MD Insurance Administration: 800-492-6116 or 410-468-2340. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Travel Insured at 855-752-8303 or customercare@travelinsured.com.