It is possible to purchase Ticketmaster insurance after you have already bought event tickets on their website. Ticketmaster offers ticket insurance through their Ticketmaster Vault program, which allows customers to protect ticket purchases against certain covered unforeseen circumstances that may prevent them from attending the event. The coverage can be purchased for a small fee per ticket either during the initial ticket transaction or within 14 days after the ticket purchase.
Overview of Ticketmaster Insurance
Ticketmaster provides ticket insurance through their partnership with Allianz Global Assistance. The insurance covers the following scenarios:
- You or your event companion suffers an unexpected illness or injury that prevents you from attending the event
- You are involved in a traffic accident on your way to the event that causes you to miss the event
- Your event is rescheduled, postponed or outright cancelled
- You are called in for jury duty or subpoenaed during the event
- Severe weather prevents you from attending the event
If one of these covered reasons prevents you from attending, you can get reimbursed for the price of the unused ticket. The insurance only covers the base ticket price, not any additional fees like service charges or shipping costs.
Timeframe for Purchasing Insurance
Ticketmaster allows you to add ticket insurance within 14 days from the date of your ticket purchase. So if you buy tickets on Ticketmaster and initially decline the insurance offer, you have a 2 week window to go back and purchase the coverage.
Here are the key points on the purchase timeframe:
- Insurance must be bought more than 72 hours before the event you are attending.
- Coverage cannot be purchased within 72 hours of the event or after the event has occurred.
- For season tickets or multi-event packages, insurance must be purchased within 14 days of the first scheduled event.
So in summary, if you buy tickets on January 1st for a concert happening on January 20th, you could still purchase insurance for those tickets up until January 15th.
How to Buy Ticketmaster Insurance After Purchase
If you want to add insurance to Ticketmaster tickets you’ve already bought, follow these steps:
- Go to ticketmaster.com and click on “My Account” Then log into your account.
- Click on the “Upcoming Events” tab to see all your purchased tickets.
- Find the event you want to insure tickets for and click “View Details.”
- On the Order Details page, click “Add Insurance” next to the ticket(s) you want to insure.
- Select your coverage reason, such as illness, traffic accident, severe weather, etc.
- Enter your payment information to pay the insurance fee.
- Confirm the coverage has been added by looking for the “Ticket Protected” badge next to the insured ticket.
The ability to purchase insurance after buying tickets gives you some flexibility. You don’t have to decide on insurance right away when purchasing your tickets. As long as you add it within 14 days from the ticket sale, you can still protect your purchase against certain circumstances preventing you from attending.
Insurance Costs
The cost to add Ticketmaster insurance will vary based on the type of ticket and price. Typically the fee ranges from about 7% to 12% of the base ticket price.
Here are some example insurance costs:
- For a $50 ticket, the insurance fee would be about $5.
- For a $100 ticket, the insurance fee would be around $10.
- For a $200 ticket, the insurance fee would be approximately $20.
The exact insurance rate offered will depend on the event. But in general you can expect to pay less than 15% of the ticket price to add coverage.
What Insurance Covers
If you have a covered claim reason under the Ticketmaster insurance policy, you can receive reimbursement for the amount paid for the unused ticket. This includes the base price you paid for the ticket without any additional service fees.
Here are some examples of covered scenarios:
- You buy a $75 concert ticket and add $10 insurance. If you get sick and can’t attend the show, you would receive the $75 base ticket price back.
- You purchase a $60 baseball ticket and pay $5 for insurance. If severe weather causes the game to be cancelled, you would receive reimbursement for the $60 ticket.
- You pay $300 for a music festival pass and add $30 insurance. If the event is postponed to a date you can’t attend, you would get back the $300 face value of the pass.
In each case, the insurance covers the base ticket price but not any processing fees, shipping charges, or other incidental expenses.
Exclusions
While the Ticketmaster insurance provides good protection, there are some limitations. Some things that are not covered include:
- Any event cancellations, delays or postponements other than severe weather.
- Any personal circumstances that were known or foreseeable when you purchased the insurance.
- Losing tickets, having tickets stolen, or simply changing your mind about attending.
Make sure to read all of the Ticketmaster Ticket Vault Insurance terms and conditions when purchasing so you understand any exclusions or restrictions that apply.
How to File a Claim
To file a claim on your Ticketmaster ticket insurance, you need to notify Allianz Global Assistance within 72 hours of the event you missed.
You can file a claim by:
- Going online to eventticketinsurance.com and submitting a claim form.
- Calling 1-866-845-2869 to speak with a claims agent directly.
You will need to provide documentation such as a doctor’s note, accident report, cancellation notice, etc. to validate your claim reason. Once approved, you will be reimbursed for the ticket cost via check within 7-10 business days typically.
Pros of Buying Insurance After Purchase
Here are some potential advantages to purchasing Ticketmaster insurance after initially buying your tickets:
- Gives you time to decide if you need insurance – You don’t have to commit to insurance as soon as you buy.
- Wait to see if circumstances change – Your need for insurance may become clearer as the event gets closer.
- Avoid paying for unused insurance – You aren’t stuck paying for coverage you end up not needing.
- Only insure tickets you’re less sure about – Add insurance just for questionable events.
Buying later allows you to wait and see if insurance makes sense for a particular event as it approaches.
Cons of Buying Insurance After Purchase
There are also some downsides to waiting to buy Ticketmaster ticket insurance:
- Risk of forgetting to add insurance – You may forget and miss the 14 day window.
- Less time for pre-existing conditions – A new health issue arising shortly before buying insurance may not be covered.
- Delayed payouts – Claim payouts can take 7-10 days compared to instant refunds when insurance is in place.
- Inconvenient to add later – It requires going back into your Ticketmaster account to add insurance.
In general, insuring your tickets when you first purchase them is the most foolproof approach. But the option to add protection later provides helpful flexibility in many cases.
Conclusion
Ticketmaster does allow customers to purchase ticket insurance after the initial ticket sale, as long as it is within 14 days and at least 3 days before the event. The insurance costs around 7-15% of the base ticket price and covers certain circumstances that would prevent you from attending the event.
Buying insurance after you purchase tickets gives you some extra time to decide if you want coverage. But there are advantages to insuring tickets earlier as well. Evaluating the pros and cons will help determine the ideal timing for your situation. With Ticketmaster’s post-purchase insurance option, you have an opportunity to add protection after the fact in case you change your mind or your circumstances shift.