Will My Travel Insurance Cover Strike Action?

After the end of COVID lockdowns and ease in travel restrictions, individuals and families have been looking forward to long-awaited summer travel plans becoming a reality. But many can’t expect a perfect travel experience now as airlines are dealing with huge demand, staff shortages, and logistical issues that make travel more painful than travelers assumed. Also, flights are now getting delayed or canceled at a moment’s notice due to reasons like strike action.

If you are wondering will my travel insurance cover strike action, then read on.

There is no one-size-fits-all answer to this question. It depends on many factors. There are circumstances where your airline will compensate you if your flight is canceled or delayed, but those instances could be rare.

Each policy has its own coverage regarding industrial action. So, one should have a look at the policy document carefully before taking out insurance.

The Data

Which? Analysis of 199 policies shows that the levels of cover can vary in vital areas like disruption caused by COVID or strike action. Jenny Ross, Which? Money Editor stated ‘With many airlines warning of widespread disruption this Summer and Covid cases on the rise, travelers should ensure they’ve taken out adequate insurance to cover any losses or unexpected costs they might face. We advise travelers to check policies carefully to ensure they offer the cover that will be most appropriate to their trip and to ensure they have cover in place from the time of booking.’

In an analysis of 199 policies offered by 71 providers, Which? found out that four out of ten policies don’t protect against strikes. It also mentioned that if your airline goes bankrupt, just half will refund the holiday costs.

It also unveiled that less than 10% of examined policies offered “complete” protection in case of COVID-19-related disruptions.

It also mentioned that two-thirds of policies offered a “superior” level of cover, including emergency medical care and cancellations from catching the virus. The superior level of cover also includes events such as reintroducing legal requirements to self-isolate.

How to Find Out Whether Your Travel Insurance Will Cover Strike Action

If you are planning to take out travel insurance, you need to check whether the travel insurance can protect you if your trip is canceled or cut short due to unforeseen circumstances like COVID spread, delayed departure, missed transport, and other emergencies.

If you already have taken out a policy and want to know what it covers, then you can check the terms and conditions of the company. They will be available via a web link or an attached document that the insurer sent you when you bought the policy.

You can also check the FAQ section of the insurer’s website to know what is covered and what is not.

If you still don’t get the answers, you should talk to the insurance provider’s customer care executives. You can email them if you don’t need a quick response or call them if you need a swift answer.






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