Travel Tips and Ideas

Are Miles and Points Covered by Travel Protection

by Isabelle Raffin | Oct 18, 2022
miles and points

You’ve earned your frequent flyer miles and reward points fair and square. It’s understandable that you may be concerned about losing them if your travel plans are disrupted. Can a travel protection plan cover this type of payment? Keep reading to learn more about different scenarios you might encounter and what coverage may be available.


What should be included in your trip cost:

Miles and points should not be included in your trip cost when quoting and/or purchasing travel protection. They are not equivalent to cash, so you should not “insure” them.

There can be some cases where your miles only cover a portion of the total cost. For example, a flight might cost you 3,000 miles but you only have 1,000 miles to redeem. The extra cash you spend out of pocket to purchase the flight should be included in your trip cost.

Another example is when you have enough points for an entire flight, but still are required to pay out of pocket for the taxes and fees. These additional expenses can be included in your trip cost as well.

One of the most important things to do is to make sure to keep all receipts for your bookings with miles or reward points.


Rebanking your miles or reward points:

When you’re forced to cancel your trip and have to put your miles or points back into the account they were removed from, that account may charge a fee to do so. This is where travel protection with our Worldwide Trip Protector plan may help. When you cancel your trip for a covered trip cancellation reason, you may be reimbursed for the cost charged up to $250 to re-deposit frequent traveler reward(s) back into the account they were removed from. This type of reimbursement applies   to our frequent traveler reward benefit.

Keeping all documentation of “rebanking” your miles or points will be required if you start a claim with Travel Insured.

To learn more about Travel Insured’s plans, talk to your travel agent or visit You can get a no-obligation quote today!





This website contains highlights of the plans developed by Travel Insured International, which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401 et al, and non-insurance Travel Assistance Services provided by C&F Services and for WTP Cruise only, AwayCare and Blue Ribbon Bags. The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions including an exclusion for pre-existing medical 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 be compensated for the purchase of a plan and 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. CA DOI toll free number is 800-927-4357. 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 International. P.O. Box 6503, Glastonbury, CT 06033; 855-752-8303; [email protected]; California license #0I13223. While Travel Insured International markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by Travel Insured and Travel Insured does not receive compensation from USF for providing the non-insurance components of the plans.