A non-cruise travel insurance question pertaining to CFAR

[OnTheJourney]

6 hours ago, iamtrustworthy said:

Why exactly do you want the CFAR?

In case we decide to not go on our fly/drive trip. Just seems the safest way to protect the airline cost. I don't want an airline voucher or credit. So the big question is - will the airline automatically apply this whether I want it or not?  

[OnTheJourney]

6 hours ago, iamtrustworthy said:

You don't have a choice about accepting the credit - the airline will issue you one if their Contract of Carriage states so.

This is what I'm afraid of. So what happens then with the Crum & Forster policy? The guy told me that if it's a listed coverage they'd pay it under CFAR. I never asked him about what happens in the event that the airline reimburses me in some manner. Worth asking him again on that one point? 

[OnTheJourney]

6 hours ago, iamtrustworthy said:

I'm not a big fan of insuring the airfare when there are no change fees and someone would re-use the air on a different trip if they cancelled.

Except that I'm near certain I wouldn't use it. If I book it now, I'd have to fly before next July. Not going to happen. Our '22 trips in spring are both non-flying. Gosh...this is a mess. Almost feel like just canceling the whole trip and just driving somewhere close by and relax. 

[OnTheJourney]

I'm beginning to think the airlines automatically issue the voucher as was already mentioned here, so it boils down to how the insurer treats that situation. All I can go by is what the guy at C&F told me. Perhaps a different agent might have a different answer. At insuremytrip the guy told me that C&F is one company that will not make you take the airline voucher instead of paying a claim under CFAR. So I'm not sure there is much more to explore on this topic. Short of hanging on the phone for hours waiting for a Delta rep to talk to about it, I think it's a matter of book it all and go from there. In this continued covid environment, there are no guarantees on any sort of travel the way it seems.