Ticket insurance can provide protection against unexpected events that may prevent you from attending an event you purchased tickets for through Ticketmaster. Ticketmaster offers ticket insurance through a partnership with Allianz Global Assistance. The insurance can provide coverage for certain situations where you can’t go to the event and need to get a refund for the ticket costs. This article will provide an overview of Ticketmaster’s ticket insurance, explain how it works, what it covers, and the costs. We’ll also look at some frequently asked questions about Ticketmaster’s ticket insurance.
What is Ticketmaster Ticket Insurance?
Ticketmaster’s ticket insurance is an optional add-on you can purchase when buying event tickets on Ticketmaster. It is underwritten by Allianz Global Assistance and provides reimbursement for the cost of tickets if certain covered situations prevent you from attending the event.
Some key things to know about Ticketmaster’s ticket insurance:
- It is only available for ticket purchases made through Ticketmaster – it does not apply to tickets bought elsewhere.
- It must be purchased at the same time as purchasing the tickets.
- It is non-refundable once purchased.
- It covers the face value of ticket costs, not additional fees.
- Claims must meet the terms of the policy to receive reimbursement.
The insurance acts as a safeguard in case something unexpected comes up that makes you unable to go to the event and use the tickets you already paid for.
Covered Situations
Ticketmaster’s ticket insurance provides coverage in these types of situations:
- You, a family member, or travel companion becomes ill or injured.
- You are involved in a traffic accident on the way to the event that causes you to miss the event.
- Your home is made uninhabitable by fire, flood, burglary, vandalism, or natural disaster.
- You are called into active military service or have your military leave revoked.
- You are summoned to jury duty or subpoenaed.
- Severe weather preventing you from getting to the event.
- You lose a job after purchasing the tickets.
- A terrorist event or organised strike prevents you from attending.
As you can see, the ticket insurance is designed to cover unexpected illness, injury, property damage, employment, legal, military, or weather situations. Normal everyday reasons like not feeling like going or changing plans would not be covered.
Exclusions
There are some exclusions where ticket insurance will not provide reimbursement, such as:
- Pre-existing medical conditions.
- Intentionally self-inflicted harm or suicide.
- Normal pregnancy.
- Mental or nervous health disorders without hospitalization.
- Use of drugs, controlled substances, or alcohol.
- War, civil disorder, or unrest.
- Travel arrangements canceled by an airline, cruise line, etc.
- Travel advisories or travel warnings.
So the ticket insurance does not cover every possible scenario or situations under the control of the ticket holder. Review the full policy details for all exclusions.
How Does Ticketmaster Ticket Insurance Work?
If you want ticket insurance for an eligible Ticketmaster ticket purchase, you simply add it on when going through the checkout process. Here are the step-by-step details:
- When purchasing ticket(s) on Ticketmaster, you’ll have the option to add ticket insurance.
- The cost of insurance will display—it is a flat rate based on the total ticket purchase amount.
- Confirm you want to purchase the ticket insurance and complete the checkout process.
- You will receive a Ticketmaster ticket insurance policy number via email after purchase.
- Save the policy number and details provided in the email confirmation.
- If you need to make a claim, you start the process online and submit supporting documentation.
- Once your claim is approved, you receive reimbursement for the original ticket purchase price, excluding fees.
Purchasing the insurance is straightforward during the normal ticket buying process online. You can then reference the policy details if you need to file a claim later on.
Cost of Coverage
The cost of Ticketmaster’s ticket insurance will vary based on the total ticket purchase amount. The price is a flat rate premium starting at $7.00 total. Here is how the pricing breaks down:
| Ticket Purchase Amount | Insurance Premium |
|---|---|
| Less than $50 | $7.00 |
| $50.01 – $100 | $9.00 |
| $100.01 – $200 | $12.00 |
| Over $200 | 5% of the ticket purchase amount |
So for low cost tickets under $50, you just pay a flat $7 for insurance coverage. For a larger total ticket purchase, you would pay 5% of the total ticket cost.
This means a $240 ticket purchase would cost $12 for the insurance ($240 x 0.05 = $12). The premium is in addition to the ticket prices and fees.
Reimbursement Process
If you need to make a claim on the Ticketmaster ticket insurance, you start the process online through their claims website. You will need to provide details on the reason you cannot attend the event along with supporting documentation.
Some examples of documentation could include:
- A doctor’s note if the claim is for medical reasons.
- A police report for a traffic accident or other incident.
- Documentation from the military for service-related claims.
- A death certificate for claims related to a death.
- Any other relevant documentation for your particular claim situation.
Ticketmaster and Allianz will review the claim and validate it against the policy. Once approved, they issue reimbursement for the original ticket purchase price, minus any fees. You can expect to receive reimbursement 7-10 business days after claim approval.
Who is Eligible for Ticketmaster Ticket Insurance?
The Ticketmaster ticket insurance is available to all customers purchasing tickets through Ticketmaster’s website, mobile app, phone system, or in person at an official box office.
There are no restrictions based on the state or country of residence. Anyone can purchase the optional insurance coverage when buying eligible tickets on Ticketmaster.
Some key eligibility requirements:
- You must purchase the insurance at the same time as purchasing the tickets.
- Only certain Ticketmaster tickets are eligible for the insurance.
- The tickets must be for an event in the United States, Puerto Rico, or Canada.
- There are age eligibility rules for children under 18 years old.
So the main factor is simply purchasing tickets directly through an official Ticketmaster sales channel. Events outside of the US, Puerto Rico, and Canada are not eligible.
Also, usage of the tickets by someone else if you can’t attend is not eligible—the original purchaser must have bought the insurance and be the one filing a claim.
What Tickets Can You Buy Insurance For on Ticketmaster?
You can purchase ticket insurance on Ticketmaster for these types of events:
- Concerts
- Theater shows and Broadway performances
- Sporting events
- Comedy shows
- Festivals
- Family shows
Basically all different types of live entertainment events and performances sold on Ticketmaster are eligible.
There are certain restrictions though:
- The event must be taking place in the United States, Puerto Rico, or Canada.
- Resale tickets sold through Ticketmaster’s exchange are not eligible.
- Free tickets or tickets as part of a pass or season package are not eligible.
So it mainly comes down to primary Ticketmaster tickets sold for events happening in the supported countries. Other types like resale tickets or bonus tickets are not eligible for the optional insurance.
Top Ticketmaster Ticket Insurance FAQs
Here are answers to some frequently asked questions about Ticketmaster’s event ticket insurance program:
Does ticket insurance through Ticketmaster cover the fees too?
No. The ticket insurance only provides reimbursement for the base ticket price you paid. It does not cover any additional service fees, shipping fees, or other charges. Just the original face value of the event ticket is eligible for coverage.
Can you buy Ticketmaster insurance after purchasing the tickets?
Unfortunately, no. The insurance must be purchased at the same time you buy the tickets. There is no option to add it on after the ticket transaction is completed.
Is Ticketmaster ticket insurance refundable?
The insurance itself is non-refundable once purchased. Even if you end up being able to attend the event after all, you will not get a refund on the insurance premium you paid.
What if my event gets postponed – does ticket insurance still apply?
It depends on the circumstances. If the event is rescheduled or postponed, your ticket is still valid for the new date. However, if you personally cannot attend on the new date due to your own covered reason, you can still make a claim at that time. You just need to meet the terms of the policy based on why you can’t go to the new date.
Can I sell my Ticketmaster tickets if I have insurance on them?
Technically you can sell the tickets to someone else, but the ticket insurance you purchased would not carry over or be valid for the new ticket holder. The original purchaser and policy holder would need to file any claim.
How long do I have to file a Ticketmaster ticket insurance claim?
You must submit your claim to Allianz no later than 5 days after the event takes place. The longer you wait to make a claim, the more difficult it becomes to process and validate it. Submit your claim as soon as you are certain you cannot attend.
Conclusion
Ticketmaster provides an optional ticket insurance program that can reimburse the costs of tickets if you are unable to attend an event for covered reasons. The insurance must be purchased at the same time you buy concert, theater, sports, or other eligible event tickets through Ticketmaster. It provides protection against illness, injury, employment issues, property damage, weather events and other covered scenarios. Claims need to meet policy terms and require documentation to be approved. Ticket insurance is a safeguard for your ticket purchase costs in case the unexpected occurs.
