In the next 12 months I've got a few F/J flights coming up and looking though the terms and conditions on a couple of policies it appeared that in the event of say a missed connection or illness all of them replaced the lost flights with economy.
Does anyone here have a recommendation for a TI company that replaces lost F/J flight with the same?
Thanks
This might be a bit of a moot point.
In most cases where connecting flights are on a single ticket, the airline responsible for the delay will protect you on the next available flight. Sometimes on a different airline.
There are only one or two policies that cover true ‘missed connections’ in cases where you have separate tickets. And even then, under strict conditions (such as being scheduled to be at the connecting point at the time checkin is supposed to open, which i susually three hours before flight departure). Otherwise most policies will only cover a missed connection for a ‘special event’ (which are defined as things such as a conference where you are the keynote speaker, and similar).
For other cases, if you have an F/J ticket these are generally flexible, so you can change these fairly easily. One airlines charge a change fee, this would likely be covered under insurance in the event if illness. And probably the fare difference as well, if applicable.
If your ticket is an award ticket, and you cannot cancel in time and get a refund, insurance companies have different ways of calculating this loss. The most generous is that they refund you the points at the equivalent of the airfare you got as an award.
A missed connection on separate tickets on an award, not due to illness, may be a bit of a tricky issue in terms of replacement flights.