Is amtrak travel insurance worth it

Having the right travel insurance is very important for every traveler. Why? Because good travel insurance makes your entire journey stress-free. It helps you deal with any sudden and unexpected situations.

Are you planning to buy Amtrak travel insurance and want to know whether if Amtrak travel insurance is worth it or not? If yes, then you are at the right place because we will tell you everything you need to know about the Amtrak travel insurance plan.

What is Amtrak travel insurance

Amtrak travel insurance is an insurance plan offered by Amtrak that covers you for any unexpected incident that you face during travel.

Usually, Amtrak offers you this travel insurance plan when you are purchasing tickets for your trip.

The choice to purchase the plan is optional. If you feel like you need insurance for your trip then you can buy the plan – otherwise, you can go ahead without it.

Now the real question in your brain must be that what benefits do Amtrak travel insurance provides to their customers? Let’s go and have a look at that.

What does Amtrak travel insurance cover

Generally, Amtrak travel insurance has 3 different plans. Here is a list of everything that is covered in Amtrak travel insurance plans:

1. Trip cancellation coverage

No one can predict the future and tell what’s going to happen next. If you have booked a trip, then chances are that you may face some emergency and need to cancel the planned trip.

It could be anything like the birth of a child? Death of a close family member? Jury duty? Serious injuries or illness, right?

In such an unfortunate case, the money you have spent on the trip can be in danger. If you cancel the trip, you could lose all your prepaid non-refundable money.

If you have an Amtrak travel insurance plan and you cancel the trip due to the reasons covered in the plan, then they will reimburse you for the losses. Thus, you will have peace of mind.

2. Trip interruption coverage

Again, you are on a trip – but unfortunate events can happen anywhere and anytime.

Chances are that some events can lead to your trip interruption and mess up your whole journey.

You may have to bear a lot of sudden and unexpected charges to cope with that situation.

If your trip is interrupted due to a reason covered in the Amtrak travel insurance plan, then you will be reimbursed for nonrefundable and additional costs of transportation that are required to bring you back home or continue your trip.

The reason for trip interruption should be covered in the Amtrak insurance plan.

3. Travel delay coverage

If your travel gets delayed due to the reasons covered in the Amtrak travel insurance plan, then you will be reimbursed for the additional expenses.

It will help you deal with the travel delay and also save you some money.

4. Baggage loss coverage

When you are traveling, you are surely carrying some baggage also that contains your essential items like clothes, shoes, laptop, camera, documents, or something else.

If those items get lost, stolen, or damaged, then your trip will be messed up very badly.

Having Amtrak travel insurance will help you reimburse the cost of lost, damaged, or stolen baggage.

5. Concierge services

Amtrak travel insurance also includes concierge services for their customers.

It gives you an amazing travel experience as the Amtrak team will help you with information about the destination, book restaurants, find tickets for different shows, and much more.

This way you’ll be able to enjoy your trip even better as you can get help & guidance.

6. Quick assistance 24/7

Amtrak travel insurance provides 24/7 assistance to its customers. You can contact them whenever you need them & they will be there to help you and solve your problems.

Whether you have a medical emergency or any other problem related to travel – you can just contact them immediately for help.

Amtrak have different travel insurance plans and we will take a look at all of them:

Amtrak quick trip travel protection plan

This is the most basic travel insurance plan by Amtrak and here are its features:

1. Price

The cost of this plan is $9.

2. No trip cancelation

This plan does not cover trip cancelation.

3. Trip interruption

This plan provides you $400 coverage for trip interruption due to covered reasons.

4. Trip delay

This plan provides you $200 coverage for trip delays due to covered reasons.

5. Baggage coverage

This plan provides you $750 coverage for stolen, lost, or damaged baggage.

6. Active support 24/7

This plan offers 24/7 customer support.

7. No concierge services

This plan does not offer any concierge services to the customers.

Amtrak overnight travel protection plan

This is the 2nd best travel insurance plan by Amtrak and here are its features:

1. Price

The cost of this plan is $17.

2. Trip cancelation

This plan provides $800 coverage for trip cancelation due to covered reasons.

3. Trip interruption

This plan provides you $800 coverage for trip interruption due to covered reasons.

4. Trip delay

This plan provides you $300 coverage for trip delays due to covered reasons.

5. Baggage coverage

This plan provides you $1000 coverage for stolen, lost, or damaged baggage.

6. Active support 24/7

This plan offers 24/7 customer support.

7. Concierge services

This plan also offers concierge services to the customers that make travel more enjoyable.

Amtrak auto train travel insurance plan

This is the best & most expensive travel insurance plan by Amtrak and here are its features:

1. Price

The cost of this plan is $237.5

2. Trip cancelation

This plan provides $5000 coverage for trip cancelation due to covered reasons.

3. Trip interruption

This plan provides you $7500 coverage for trip interruption due to covered reasons.

4. Trip delay

This plan provides you $800 coverage for trip delays due to covered reasons.

5. Baggage coverage

This plan offers you $1000 coverage for stolen, lost, or damaged baggage.

6. Active support 24/7

This plan offers 24/7 customer support.

7. Concierge services

This plan also includes concierge services for the subscribers that make travel easy and enjoyable.

Does Amtrak cover trip cancelation due to fear of COVID-19

No, Amtrak will not cover you if you cancel your trip due to the fear of COVID-19.

Does Amtrak travel insurance cover pregnancy

Amtrak travel insurance will not cover any losses due to normal childbirth or pregnancy.

However, it may cover any unexpected complications related to childbirth and pregnancy.

Will Amtrak give me money, If I cancel the trip

If you are canceling the trip due to any reason covered in your Amtrak travel insurance plan – then you will be reimbursed for trip cancellation.

If the reason for cancellation isn’t covered in your plan, then you won’t get any money.

Amtrak travel insurance cancellation policy

Amtrak travel insurance has a simple cancelation policy.

They give you a 15 days review period.

You are allowed to cancel the plan within 15 days of purchase to get a complete refund. The only conditions are that:

  1. You have not departed for the trip yet.
  2. You have not filed a claim.

After 15 days, no request for a refund will be entertained.

Does Amtrak travel insurance allow you to cancel for any reason

No, Amtrak travel insurance plans do not offer cancel for any reason option.

You will be only covered if you cancel the trip due to reasons covered in the Amtrak travel insurance plan.

Otherwise, you won’t be reimbursed.