On Friday, I purchased 2 non-refundable airline tickets on Delta for domestic travel. Today, I found out I will not be able to use them. Is it worth the money to purchase travel insurance at $146.00? Has anyone done this before? Thanks for your help!

I'm not sure I understand the question. Are you asking if you should purchase travel insurance <u>after the fact</u> -- to cover the loss on the tickets that you know you won't use before you buy the insurance? Where would you purchase travel insurance to cover the cost of the ticket loss <u>after</u> the purchase of the tickets?

Can't you just change the Delta tickets and use them at a later date? The change fees would be not much more than the cost of this insurance and you would still be able to use the tickets.

They may or (more likely) may not allow you to purchase travel insurance post facto. That, however, is hardly the point as the vast majority of travel insurance policies are quite restrictive so that you could only benefit under certain circumstances (such as illnesses, accidents, etc.). Not wanting to go or your boss not approving your vacation are typically not covered as triggers under travel policies. By the way, without knowing the exact price of your tickets, I must say that $146 is a lot for travel insurance, so maybe the policy you are being offered is less restrictive. Ultimately, as TC suggested, your best bet is to call Delta, cancel your tickets and get credit for future travel with Delta (equal to the price of your tickets less cancellation fees).

First make sure your $146 insurance includes your reason. Sounds too cheap to cover "without a reason" or "for work reasons".

I think it's doable what you want to do, but you may be looking at the wrong insurance. They do not automatically cover everything.

Is this a hypothetical question or are you asking us how to engage in insurance fraud? Are you looking to buy insurance with the prior knowledge that you won't be taking the trip, and intend to cash in?

J62, lighten up.... this is a purely hypothetical question. Are you in the insurance industry or an airline official ......
Put down your moral compass and relax!

The change fee is $150. I would do that before losing the ticket.

Sounds like u are smarting after wasting you cash and trying to diddle an insurance company. Blunt but true

Well, you had better study any policy you purchase carefully.

As mentioned, you must cancel for a covered reason.

Many policies cover only the change fee, not the total cost of the tickets.

"Cancel for any reason" ditto - or only 50%, or otherwise.

Every policy probably states somewhere that the reason must have been unanticipated.

So, even if, say, it were a work related reason, but you didn't check first, that won't fly.

There's a difference between not being able to use the tickets and deciding you don't want to use them.

Your quetions was not posed as hypothetical.

I'll answer your question: no, nobody has done this before! The insurance doesn't cover the case where you change your mind.

But seriously, djkbooks had it right about studying the policy coverage and exclusions. The insurance companies are not that stupid.

I would be happy to be proved wrong.