Do your travel insurance plans cover the flight portions of our trip we bought with frequent flyer miles? Carole

Even though this sounds like a simple question, the answer’s a bit complicated. That’s because you must count frequent flyer tickets, award travel, vouchers, reward points & credit card miles as a $0 trip cost. The value is not equal to the money you save by using them. Your trip cost is only the taxes you pay when you exercise them.

However, some travel insurance plans will pay the fee to re-deposit the miles into your frequent flyer account if the claim is for a covered reason.

You can learn a lot more about how frequent flyer miles are covered here, too.