Are you excited about an upcoming concert or sports event? You’ve got your tickets, but what if something unexpected happens? That’s where Ticketmaster insurance comes in. Ticketmaster insurance covers various situations that might prevent you from attending your event, including illness, injury, transportation issues, etc.
We’ll explain the ins and outs of Ticketmaster insurance, so you can decide if it’s right for you.
Ticketmaster Insurance
What is Ticketmaster Event Ticket Insurance?
Ticketmaster Event Ticket Insurance is a protection plan offered when you buy tickets through Ticketmaster. It’s designed to give you peace of mind by refunding your ticket cost if you can’t attend an event due to covered reasons.
The insurance typically costs about 10% of your ticket price. So, for a $100 ticket, you’d pay around $10 for insurance. It might seem like an extra expense, but it could save you money if something goes wrong.
How to Purchase Ticketmaster Insurance
Buying Ticketmaster insurance is easy. When you’re checking out on the Ticketmaster website, you’ll see an option to add insurance to your purchase. Just click “Yes” to add it to your order.
Remember, you can only buy the insurance when you’re buying your tickets. You can’t add it later, so think carefully about whether you want it before completing your purchase.
Covered Reasons for Event Cancellation
Illness and Injury
Life happens, and sometimes it gets in the way of our plans. If you or a family member gets sick or injured before the event, Ticketmaster insurance has you covered.
For example, if you wake up on the day of the concert with a nasty flu, you can file a claim. The insurance will refund your ticket cost, so you’re not losing money while you’re losing your lunch.
But here’s the catch: you’ll need a doctor’s note. So make sure you visit a healthcare provider if you’re too sick to attend your event.
Death of Ticket Holder or Family Member
It’s a somber topic, but it’s important to know that Ticketmaster insurance covers you if you can’t attend an event due to a death in the family. This includes the death of the ticket holder or a close family member.
In these sad circumstances, the last thing you want to worry about is losing money on tickets. The insurance takes care of that, allowing you to focus on what’s important.
Transportation Issues
Ever been stuck in traffic, watching the minutes tick by as you realize you’re going to miss the opening act? Ticketmaster insurance covers transportation problems too.
This includes:
- Car accidents on the way to the event
- Public transportation delays
- Flight cancellations or delays (if you’re traveling to the event)
So if your car breaks down on the highway or your flight gets canceled due to bad weather, you can get your money back.
Work-Related Cancellations
Sometimes, work gets in the way of fun. If you can’t attend an event because of work-related reasons, Ticketmaster insurance might have your back.
Covered work-related reasons include:
- Unexpected business trips
- Mandatory overtime
- Job loss or layoffs
However, be aware that not all work situations are covered. For example, if you simply forgot to request time off, that’s not a covered reason.
Additional Protections Offered
Home and Business Emergencies
Your home is important, and sometimes it needs you more than the event does. Ticketmaster insurance covers situations where you can’t attend due to home emergencies.
This might include:
- Burst pipes
- Break-ins
- Fire damage
The same goes for business owners. If your business faces an emergency that requires your immediate attention, you’re covered.
Legal Obligations
Did you get called for jury duty on the day of the big game? Don’t worry, Ticketmaster insurance has you covered.
Legal obligations that might be covered include:
- Jury duty
- Court appearances
- Legal depositions
Just make sure you keep any official documentation related to your legal obligation. You’ll need it when you file your claim.
Military Service
For our service members, Ticketmaster insurance offers protection if military service interferes with event attendance.
This could include:
- Unexpected deployment
- Change in leave status
- Military exercises that conflict with the event date
Again, you’ll need official documentation to support your claim.
Exclusions and Limitations
Non-Covered Scenarios
While Ticketmaster insurance covers a lot, it doesn’t cover everything. Here are some situations that typically aren’t covered:
- You changed your mind about going
- You didn’t read the ticket details properly (like the date or venue)
- The event is canceled or postponed (the event organizer usually handles refunds in these cases)
- You can’t afford the tickets anymore
- You have a pre-existing medical condition that prevents you from attending
Always read the fine print of your policy to understand exactly what’s covered and what’s not.
Coverage Limits and Claim Caps
Ticketmaster insurance has limits on how much it will pay out. Usually, the maximum is the cost of your ticket, including fees. So if you paid $200 for a ticket (including all those pesky fees), that’s the most you’ll get back.
There might also be a cap on how many claims you can make in a year. This prevents people from buying insurance for every event and claiming on all of them.
The Claims Process
How to File a Claim
If something happens and you can’t attend your event, here’s how to file a claim:
- Contact the insurance provider as soon as possible
- Fill out a claim form (usually available online)
- Provide supporting documentation
- Submit your claim
- Wait for the insurance company to review your claim
The sooner you start this process, the better. Don’t wait until after the event to file your claim.
Required Documentation
When you file a claim, you’ll need to provide some paperwork. The exact documents depend on your reason for claiming but might include:
- Your original ticket or e-ticket
- Medical records or a doctor’s note
- Police report (for accidents or break-ins)
- Death certificates
- Military orders
- Court summons
The more documentation you can provide, the smoother your claim process will be.
Timeframes for Claim Processing
After you submit your claim, you’ll probably be eager to get your money back. Most claims are processed within 10 business days. If the insurance company needs more information, they’ll let you know within that time.
Once your claim is approved, you’ll usually receive your refund within a few days. The money is typically refunded to the original payment method you used to buy the tickets.
Comparing Ticketmaster Insurance to Alternatives
Credit Card Protections
Some credit cards offer purchase protection or event ticket insurance. If your card has these benefits, you might not need additional Ticketmaster insurance.
Check your credit card benefits to see if you’re already covered. But be aware that credit card coverage might have more restrictions or a more complicated claims process.
General Travel Insurance
If you’re traveling for an event, a comprehensive travel insurance policy might cover your event tickets along with other travel expenses.
This could be a good option if you’re taking a trip centered around an event, like traveling to another city for a music festival. But if you’re just going to a local event, travel insurance probably isn’t necessary.
Pros and Cons of Ticketmaster Insurance
Benefits of Coverage
Ticketmaster insurance offers several advantages:
- Peace of mind when buying expensive tickets
- Coverage for a wide range of unexpected situations
- Relatively simple claims process
- Affordable compared to the cost of tickets
For many people, the small cost is worth the protection it provides.
Potential Drawbacks
However, there are some downsides to consider:
- Adds to the already high cost of tickets
- Doesn’t cover all possible scenarios
- You might never need to use it
- Some situations require extensive documentation to prove your claim
Weigh these pros and cons carefully when deciding whether to purchase insurance.
Frequently Asked Questions
Here are some common questions people have about Ticketmaster insurance:
Can I get insurance after I’ve bought my tickets?
No, you can only purchase insurance at the time of ticket purchase.
What if the event is canceled?
Event cancellations are usually handled by the event organizer, not the insurance.
Can I insure tickets I bought from a reseller?
Typically, no. Insurance is only available for tickets bought directly from Ticketmaster.
What if I lose my tickets?
Lost or stolen tickets aren’t usually covered by Ticketmaster insurance.
Can I get a refund on the insurance if I don’t use it?
Generally, no. The insurance premium is non-refundable if you don’t make a claim.
Tips for Maximizing Your Ticketmaster Insurance
To get the most out of your Ticketmaster insurance:
- Read the policy carefully before purchasing
- Keep all relevant documentation (tickets, medical records, etc.)
- File your claim as soon as possible if you can’t attend the event
- Be honest in your claim – false claims can lead to rejection and even legal issues
- Consider the cost of insurance vs. the ticket price – it might be more worth it for expensive events
Remember, the goal of insurance is to protect you from financial loss. Use it wisely, and it can save you money and stress when unexpected situations arise.
Ticketmaster insurance protects your event investments. Know what it covers and when to use it to decide whether to add insurance to your ticket purchases. When buying concert tickets, think about whether Ticketmaster insurance suits your needs.
