Posted on Insurance Law Blog / Blog / Will My Travel Insurance Cover My Plane Crash?

Page Updated 12/06/2021

Will My Travel Insurance Cover My Plane Crash?


If you were traveling and have gotten injuries from a plane accident and are looking for compensation, contact us now to get a free case review where our injury attorney will discuss with you your legal options.

We are California’s top LAX injury firm as well with vast experience winning serious injury insurance claims in Los Angeles County.

Does Your Insurance Policy Cover Plane Accidents?

  • Plane Crashes in the United States
  • What Is Flight Accident Insurance?
  • Flight Accident Coverage: What to Expect?
  • What Does Travel Insurance Cover?
  • Research Flight Accident Insurance Plans Before Buying
  • How Ehline Law Can Help You with Your Aviation Accident?

Plane Crashes in the United States

Many people tend to avoid buying travel insurance since the chances of a plane crash are 1 in 5 million. Although they may be right, there is no time and place for a plane crash and in 2018, the US saw around 1,000 plus aviation accidents resulting in almost 400 dead passengers.

Insurance Protects You from Losses

To avoid any losses and damages from an airplane accident, insurance is the best companion, but then again, there is a lot of hassle associated with approaching insurance companies for any claims. There are many different kinds of travel-related insurances with different types of coverages.

Let’s look at what travel insurance is and is it any different from flight insurance?

What Is Flight Accident Insurance?

Flight accident insurance is the kind of “travel insurance” people buy in the hopes that they get their tickets reimbursed if they were to cancel their plans, however, that is not the case. Flight accident insurance, just like any other insurance, can only protect you from losses or damages due to an accident or incident out of your control on the aircraft.

Do Airlines Reimburse You for a Crash?

Oftentimes travelers believe that commercial airlines will compensate them for any losses due to a plane crash and in many cases, they are not wrong. However, getting compensation from an airline company can take a long time as there are a series of investigations with the efforts of the federal government. In circumstances of accidental death from a flight accident, airlines will compensate the grieving families, but the amount of compensation and the duration it might take remains clouded.

How Flight Accident Insurance Benefits Policyholders and Their Families

Flight accident insurance is a great way to get immediate compensation for losses due to a flight accident. While buying flight accident insurance, you can even name your beneficiaries that will receive money in case something happens to you during a flight providing monetary protection for those left behind.

Before we get into the coverages, trip insurance, travel insurance, or travel medical insurance does not cover plane crashes but different insurances do. There are also different types of insurances plans that have additional coverages, hence it is best to do complete research before purchasing one.

Flight Accident Coverage: What to Expect?

So what does flight accident insurance cover? Generally, these types of regulated insurances provide a lump sum benefit if a loss occurs just like life insurance.

Unlike travel medical insurance that covers your medical expenses from personal injuries under their travel insurance coverage, flight accident insurance does not work like that. Claiming medical expenses is a type of cover that is part of the trip insurance or travel insurance and buyers of such insurance can even get reimbursement for trip cancellation due to conditions not in their control.

Flight insurance, on the other hand, protects individuals or policyholders against any losses during the flight, riding to or from their destination. Any injury that occurs during a flight resulting in accidental death, permanent impairments, or even loss of vision, comes under flight accident coverage.

Flight Accident Coverage Requirements

There are several requirements for this flight accident coverage and includes the following:

  • Passenger with a ticket for a regularly scheduled flight
  • An accident during departure, disembarking, or during the flight
  • The loss is due to an accident and must occur within a certain number of days

Upon death, the beneficiary receives almost 100% of the policy limit while dismemberment benefits vary according to the multiple losses in the plane crash or accident. Policy certificates for different insurance companies is the best way to find out what kind of coverage you will be receiving if you were to buy that flight accident insurance.

Flight insurance does not cover any emergency travel assistance, medical evacuation, medical emergencies, or the retrieval of the body, it does not even pay for the funeral costs as these types of coverages are available with other types of insurances.

What Does Travel Insurance Cover?

Since travel insurance does not cover a plane crash, what does it typically cover? Here are a few things that a travel insurance policy or a travel protection plan covers:

  1. Baggage delay
  2. Medical evacuation or medical emergencies
  3. Dismemberment benefits or accidental death during your trip
  4. Trip cancellation or trip interruption
  5. Travel delay
  6. Flight cancellation

Depending on the type of travel insurance, you may get rental car coverage and many different types of coverage, however, there are limitations or restrictions. For example, if you buy travel insurance to secure your health or medical conditions during your vacation, you should know that many travel insurance policies do not cover pre-existing conditions. There are a lot of exclusions and the buyer must do the relevant research on the insurance service they are leaning towards.

Research Flight Accident Insurance Plans Before Buying

In general, flight insurance does not cover the types of coverages available with travel insurance, however, there are insurance companies that do offer additional coverage which may include:

  • Repatriation of remains
  • Medical evacuation
  • Lost luggage
  • Flight delays
  • Other travel-related benefits

Flying can be frightening, but traveling can be daunting as well, especially if you’re alone. If you feel like you need protection and coverage during your trip and there are other insurances besides flight insurance that provides you more coverage, then going for that would be a wiser option.

How Ehline Law Can Help You with Your Aviation Accident?

Policyholders can only follow up on claims or file lawsuits against commercial airlines or even small airlines owned by a third-party contractor. If you have had injuries in an aircraft accident, you can most likely get compensation for it.

Ehline Law, a personal injury law firm, has legal experts who will help you:

  1. Evaluate your liability
  2. Determine the damages
  3. File claims within the time limit
  4. Determine state and federal laws

Contact us if you have got injuries from a flight accident or are a beneficiary of the policyholder who was a victim of accidental death.

Our lawyers will not only provide you with the relevant legal services but also ensure a claim from the airline and insurance company. Speak to us at (213) 596-9642 to get a free consultation.

Ehline Law Firm - Personal Injury Attorneys, APLC
Attorney at Law
Michael P. Ehline Esq,
Downtown Los Angeles Corporate Offices

Downtown Los Angeles Office
633 West 5th Street #2890
Los Angeles, CA 90071
Navigation

Ehline Law Firm - Personal Injury Attorneys, APLC
Attorney at Law

Michael P. Ehline Esq,

Other Los Angeles County Meeting Places
Long Beach Office

5001 Airport Plaza Dr Ste 210
Long Beach, CA 90815
(562) 731-0668
Directions

West Hollywood Office

8752 Holloway Drive Ste 304
West Hollywood, CA 90069
(424) 666-3944
Directions

Santa Monica Office

201 Wilshire Blvd. Fl 2
Santa Monica, CA 90404
(310) 237-6218
Directions

Torrance/Hermosa Beach Office

3961 CA-1
Torrance, CA 90505
(424) 999-7246
Directions

Marina Del Rey Office

4640 Admiralty Way Ste 500
Marina del Rey, CA 90292
(310) 331-8775
Directions

Beverly Hills Office

509 S Beverly Dr
Beverly Hills, CA 90212
(424) 666-3967
Directions

Glendale Office

655 N Central Avenue
Glendale, CA 91203
(818) 485-2311
Directions

Inland Empire Meeting Places

Rancho Cucamonga Office

8333 Foothill Blvd #200
Rancho Cucamonga, CA 91730
(909) 963-0709
Directions

Riverside Office

11801 Pierce St, Ste 200
Riverside, CA 92505
(951) 777-2877
Directions

San Bernardino Office

198 North Arrowhead Ave. #20
San Bernardino, CA 92408
(909) 693-5417
Directions

Orange County Meeting Places

Costa Mesa Office

600 Anton Boulevard #11
Costa Mesa, CA 92626
(949) 891-0357
Directions

Laguna Niguel Office

23046 Avenida de la Carlota, Ste 600
Laguna Beach, CA 92651
(949) 371-8350
Directions

Irvine Office

9180 Irvine Center Drive
Irvine, CA 92612
(949) 207-7193
Directions

Newport Beach Office

5160 Birch St #110
Newport Beach, CA 92660
(949) 891-0127
Directions

Orange Office

333 City Blvd. #17
Orange, CA 92868
714-912-9724
Directions

Other California Meeting Places

Rancho Cucamonga Office

1999 S Bascom Ave, Ste 700
Campbell, CA 95008
(408) 940-3996
Directions

San Francisco Office

50 Francisco Street #460
San Francisco, CA 94133
(415) 684-7688
Directions

Carlsbad Office

1902 Wright Pl, Ste 200
Carlsbad, CA 95008
(760) 517-9022
Directions

Ehline Law Firm - Personal Injury Attorneys, APLC
© 2021 All rights reserved.
Ehline Law Firm Personal Injury Attorneys, APLC