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Travel Erudition

Is spirit travel insurance worth it?

Before you purchase any travel insurance, it’s important to understand what it covers and doesn’t cover. Travel insurance can help protect you from financial losses due to cancelled plans, lost baggage, or medical emergencies. However, travel insurance does not cover everything. For example, it generally does not cover pre-existing medical conditions or adventurers activities like skiing or rock climbing.

Some people believe that spirit travel insurance is worth the cost because it provides peace of mind while traveling. Others believe that it is not necessary because most credit cards offer some form of travel insurance. Ultimately, the decision of whether or not to purchase spirit travel insurance is up to the individual.

There is no definitive answer to this question as it depends on individual circumstances. Some people may find that spirit travel insurance is worth the cost, while others may not feel that it is necessary. Ultimately, it is up to the individual to decide whether or not they feel that the benefits of spirit travel insurance justify the cost.

Is trip insurance from the airline worth it?

Though you may pay 5 to 10 percent of your trip cost for travel insurance, travel insurance is often worth the investment for its potential to help reimburse you for hundreds of thousands of dollars of covered travel-related expenses like emergency evacuation, medical bills, and costs related to trip cancellation and interruption.

AIG Travel Guard is one of the leading travel insurance providers in the United States. They offer a variety of plans to suit the needs of any traveler, whether you’re looking for basic coverage or comprehensive protection. Their policies cover a wide range of contingencies, from trip cancellation and interruption to medical emergencies and evacuation. And with 24/7 assistance available, you can rest assured that help is just a phone call away if you need it.

What happens if Spirit cancels my flight

If Spirit Airlines cancels the flight, they must refund the price of ticket to passengers. But if you decide to voluntarily cancel your scheduled flight, you are not entitled to a refund.

Airline companies offer travel insurance for an extra fee per person. The coverage contains a bunch of fine print that explains trip cancellations are covered up to a certain amount, baggage and lost personal items up to a certain amount, and baggage delay up to a certain amount.

What travel insurance will not cover?

This is an important thing to keep in mind when traveling, as most travel insurance policies will not cover any accidents or theft that occur while you are under the influence of drugs or alcohol. Be sure to stay safe and sober while traveling to avoid any potential problems.

There are a few things to keep in mind when considering travel insurance:

– Make sure to read the fine print and understand the coverage offered

– Check to see if your existing health insurance will cover you while you’re traveling

– Consider the cost of the insurance relative to the cost of your trip

Can you add insurance to Spirit flight after booking?

If you need insurance for your flight, it’s important to purchase it at the same time that you book your tickets. Most airlines will not allow you to add insurance after the fact, so it’s important to plan ahead. Unfortunately, this means that you can’t usually add insurance if you didn’t think you need it at the time of booking.

If you’re looking for a no-frills flying experience, Southwest Airlines is a good option. However, keep in mind that you won’t get any free food or drink inflight, and the seats are a bit less comfortable than other airlines.

Does Spirit credit card cover travel insurance

If you’re looking for a credit card that offers travel insurance, the Spirit Airlines Credit Card is a great option. You’ll get trip cancellation and interruption protection for severe illness or weather-related reasons, and if you or a family member traveling with you are unexpectedly and seriously sick or injured, you’ll be covered.

If a Guest cancels a reservation within 24 hours or less from booking, for a flight that is seven or more days away, they are eligible for a full refund in the original form of payment.

Does Spirit give refunds for flights?

If you need to change or cancel your reservation, you can do so through the My Trips tab on Spirit.com. Unfortunately, we do not offer refundable fares, but this helps us keep prices low for all of our passengers.

If you’re flying within the U.S., your best bet for an on-time flight is Spirit Airlines, which boasts a 68% on-time arrival rate. However, 27% of Spirit flights are delayed and 5% are canceled, so there’s still a chance your flight could be affected.

How much is cancellation insurance for a flight

If you are planning a trip, you should expect to pay 4-10% of the total cost of the trip for travel insurance. This will vary depending on the factors such as the cost of the trip, the length of the trip, and your age.

There are a lot of great options for medical coverage when you’re traveling. We’ve compiled a list of our top picks for the best medical coverage for your next trip. GeoBlue is our top pick for the best overall medical coverage. They offer a wide range of coverage and have a great reputation. Travelex is another great option for medical coverage. They offer a variety of plans and coverage levels to fit your needs. Allianz Travel Insurance is also a great choice for medical coverage. They have a variety of plans and coverage levels to choose from. InsureMyTrip is another great option for medical coverage. They offer a wide variety of plans and coverage levels to fit your needs. World Nomads is another great choice for medical coverage. They offer a wide variety of plans and coverage levels to fit your needs. HTH Travel Insurance is also a great choice for medical coverage. They have a wide range of coverage options and a great reputation. Nationwide is another great option for medical coverage. They offer a wide range of coverage and have a great reputation.

When should you start your travel insurance?

If you’re thinking of taking out travel insurance, it’s a good idea to do it as soon as you’ve booked your holiday. This is because if you have to cancel your trip for any reason (e.g. you get injured or fall ill), you’ll be covered.

Godlin’s research shows that the top travel insurance claims are for trip cancellation, medical expenses for emergency illnesses and injuries, and reimbursement of certain trip costs if a trip is interrupted. This data is useful for understanding what types of events are most likely to occur during travel and what types of coverage may be most useful for travelers.

Final Words

There is no one definitive answer to this question as it depends on individual circumstances. However, some factors to consider when making your decision include whether you are likely to experience any medical or financial difficulties while traveling, and whether the benefits of the insurance policy are worth the cost.

Based on the research, it can be concluded that purchasing travel insurance, particularly spirit travel insurance, can be beneficial in certain situations. If a traveler is worried about potential risks while traveling, such as theft, lost luggage, or medical emergencies, then spirit travel insurance can provide some peace of mind. In the event that something does go wrong, having insurance can help to cover the costs of unexpected expenses. However, it is important to compare different policies and coverage options to make sure that the spirit travel insurance policy is the best fit for the individual traveler.

Scott Johnson

Scott Johnson is passionate about traveling. He loves exploring new cultures and places, and discovering the world around him. He believes that travel can open up new perspectives and opportunities for growth and development. Scott has visited many countries in Europe, Africa, South America, and Asia, and he continues to seek out new destinations for his adventures.

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Everything you should know before flying Spirit Airlines

Update : Some offers mentioned below are no longer available. View the current offers here .

In a recent head-to-head comparison, two TPG reporters found Spirit gave Delta a run for its money . Another TPG reporter recently wrote about his pleasant experience flying Spirit's Big Front Seat . Indeed, some travelers love to fly Spirit . After all, Spirit's low prices can be attractive -- especially for large groups and families.

But Spirit Airlines recently placed eighth out of 10 on TPG's 2021 best U.S. airlines list . The airline is notorious for long bag drop lines and poor communication during delays. Plus, you'll face more fees when flying Spirit than with most other U.S. airlines.

Here, I'll discuss how flying with Spirit Airlines might be different from trips you've taken with other airlines. With this information, you can decide whether to book with Spirit. If you've already booked a Spirit flight, this guide will answer common questions about flying Spirit, so you can have the best trip possible.

Get the latest points, miles and travel news by signing up for TPG's free daily newsletter .

What fares does Spirit Airlines offer?

Spirit offers Standard fares and Saver$ Club fares. But you can only get Saver$ Club fares if you purchase a membership, which carries the following costs:

• 12-month membership : $69.95
• 18-month membership : $99.90
• 24-month membership : $129.90

Regardless of which membership option you choose, Spirit will automatically renew your membership as an annual membership for $69.95 each year unless you cancel your membership.

Related: Can I book budget carriers on the Chase portal? What you need to know

Should I join the Saver$ Club?

It depends. Saver$ Club fares aren't available for every flight. For example, here's a calendar showing which days in October 2021 have Saver$ Club fares for travel from Atlanta (ATL) to Austin (AUS).

Spirit's Saver$ Club doesn't just get you lower fares on flights. Saver$ Club members also get:

• Up to 50% off on checked and carry-on bags for you and up to eight guests
• Savings on seat selection costs for everyone in your party
• Discounts on Shortcut Security (access to the quickest possible lane to get through the security screening experience), Shortcut Boarding (board in an early group) and Flight Flex (modify your itinerary online once with no modification charges)
• Savings with select partners

If you fly on Spirit frequently or travel as a group -- and often pay for add ons such as baggage and seats -- membership may quickly pay for itself. Spirit says that members save $160 a year on average. However, before you buy a membership, consider how much you'll likely save and whether the savings justify the fee.

With the free TPG app , you can track your progress toward your next trip, and get spending recommendations to help you reach your travel goals.

What happened to the $9 Fare Club?

Spirit loyalists may remember the $9 Fare Club. Effective Jan. 21, 2021, the $9 Fare Club transitioned to the Spirit Saver$ Club. Now, members can save on more than just fares and baggage, and two new membership options are now available for new members.

If you held a $9 Fare Club membership as of Jan. 21, 2021, Spirit converted your membership automatically to the Spirit Saver$ Club. Your membership expiration date will remain the same, but you'll now get more perks.

Related: Spirit Airlines will add 3 routes to brand-new Honduras airport

Should I book my ticket at the airport?

Spirit tacks on a passenger usage charge when you book flights online or via a reservation center. However, you can avoid paying Spirit's passenger usage charge if you book at the airport.

Spirit's website notes that passenger usage charges range from $6.99 to $22.99 per segment. However, the passenger usage charge was just $2.99 for my recent Spirit flight from Orlando to Louisville when I booked on Spirit's website.

Before heading to the airport to book, calculate how much you'd pay in passenger usage charges. Also, consider how much going to an airport served by Spirit to make your booking will cost you. Typically, going to the airport will only make sense if you're booking flights for multiple people and it's not too much of a hassle to do so.

Related: Spirit's network chief explains the airline's 11-destination mid-pandemic growth spurt

Can I check a bag?

Yes, you can pay to check one or more bags when flying Spirit. Each checked bag should typically be no larger than 62 linear inches (length + width + height) and weigh 40 pounds or less. But the checked bag that comes with the Boost It and Bundle It upgrade packages on some routes can weigh up to 50 pounds. You'll need to pay additional fees if your checked bag is overweight (up to 100 pounds) or oversized.

Checked bag fees vary based on the route you're flying and when you purchase your checked bag with Spirit. You can use a tool on Spirit's website to calculate baggage fees. Typically, paying for bags during booking is the cheapest, while paying at the gate is the most expensive. Although a checked bag will usually cost you less than a carry-on bag, standing in Spirit's notoriously long bag drop lines at some airports may not be worth the savings. Once you get to the gate, the checked bag fee is the same as the carry-on bag fee.

Can I bring a carry-on bag?

All Spirit passengers can bring one personal item, like a purse or laptop bag, that is no larger than 18 inches by 14 inches by 8 inches without any additional charge. Before a recent flight, I found that my relatively empty daypack would easily fit into the personal item sizer.

However, if you want to bring a larger bag -- or a second smaller bag -- onboard, you'll need to purchase a carry-on bag. If you purchase a carry-on baggage allowance, your luggage must be no larger than 22 inches by 18 inches by 10 inches. Like checked bags, your carry-on cost will depend on your route and when you purchase your carry-on item. Paying for a carry-on bag on Spirit's website when you buy your ticket will be the cheapest option, while buying a carry-on bag at the gate will be the most expensive.

Related: How to fly without bag fees on Spirit Airlines using the free personal item

Can I select a seat?

You can pay to select a seat when flying Spirit. The cost to choose a seat depends on the route, seat type, when you purchase the seat and seat location. Regular seats cost $1 to $50, while Big Front Seats cost $12 to $150 when purchased in advance and $25 to $175 when purchased onboard.

I recently booked a Spirit flight from Orlando to Louisville. About two weeks before departure, seat costs were as follows:

• Big Front Seats : $52
• Exit row : $28
• Near the front of the aircraft : $25
• In the middle of the plane : $19
• At the rear of the plane : $13

I decided to book without selecting a seat. After all, Spirit's website says:

"If you don't select a seat, we'll assign random seats at check-in for free, but we can't guarantee that you will get to sit with your friends or family."

I checked the cost to select seats a few hours before my flight. When I did so, I could still choose a Big Front Seat for $52, an exit-row seat for $28 or a seat near the front of the aircraft for $25.

I still didn't pay to select any of these seats at check-in and got a message noting Spirit would assign my seat at the gate. I lucked into a window seat at the front of the aircraft, but Spirit could have given me a less desirable seat. Pay to select a seat if you must sit with traveling companions or have a strong preference for a window or aisle.

Should I splurge for a Big Front Seat?

Big Front Seats are wider and have more legroom than standard Spirit seats. In short, these seats are similar to non-lie-flat business class products that other carriers fly domestically. TPG editorial director Summer Hull said she's never regretted paying extra for Big Front Seats. TPG senior reporter Zach Griff also enjoyed his flight in a Spirit Big Front Seat.

However, you won't get any extra service when flying in Spirit's Big Front Seats. Plus, no Spirit seats recline. Decide whether the cost to reserve a Big Front Seat is worth getting a larger, more comfortable seat at the front of the aircraft, even without the perks.

Related: Style vs. savings: Comparing JetBlue's Mint Studio and Spirit's Big Front Seat

Should I purchase the Bundle It Combo?

The Bundle It Combo is available for select routes when you buy your ticket on Spirit's website or app. This combo comes with the following:

• One checked bag up to 50 pounds
• One carry-on bag (in addition to a personal item)
• No cost for seat selection (including exit row seating, but excluding the Big Front Seat)
• Shortcut Boarding allowing you to board in an early group
• One complimentary flight modification up to 24 hours before departure

Prices vary by route and are per person each way, but Spirit Saver$ Club members get a slight discount. Unless you need a changeable ticket, it may be cheaper to purchase what you need separately.

Related: Earn easy miles with the Free Spirit Dining program

Can I check in and get my boarding pass at the airport?

Spirit encourages online check-in through its website or app when possible. You can use a self-service kiosk at the airport to check in and get a boarding pass for a $2 fee. Or, you can ask a customer service agent at the check-in counter to check you in and print your boarding pass for a $10 fee. Of course, Spirit will waive the fees if your trip doesn't allow online check-in -- for example, if you're flying to/from a country that doesn't allow online check-in.

Will I be served a snack or drink?

Snacks and drinks will be available for purchase, but you'll need to pay for them with a credit card or debit card . There's no complimentary drink or snack service on Spirit, so you might want to bring snacks and fill up your water bottle after clearing security. If you might want to purchase a snack or drink onboard, check out the options on Spirit's website before boarding.

Related: Your complete guide to the new Spirit Airlines loyalty program

Can I change or cancel my flight?

If you purchased Flight Flex or the Bundle It Combo, then you can change your flight once free of charge -- subject to fare differences -- up to 24 hours before departure. There's no fee to cancel a flight within 24 hours of ticketing as long as you made the reservation at least seven days before departure.

Otherwise, you'll face the following fees per customer, per booking if you need to change or cancel your flight :

• Six or fewer days from departure : $79 fee
• Seven to 14 days from departure : $59 fee
• 15 to 59 days from departure : $39 fee
• 60 or more days from departure : No fee

If you change to a flight with a higher fare, you'll need to pay the difference. If you cancel or switch to a flight with a lower fee, Spirit will issue any remaining balance after the fee as a travel credit . However, modification and cancellation charges do not apply to bookings made before April 5, 2021.

Can I earn points on Spirit flights?

Free Spirit members earn 6x points on fares and 12x points on optional add-on items like baggage and seat selection. Free Spirit Silver and Gold elite members earn even more points on these purchases. For example, Gold members earn 10x points on fares and 20x points on optional add-on items.

Of course, you can also earn card rewards on purchases with Spirit Airlines. I recommend using one of the best cards for airfare or one of the best cards for travel to maximize your purchase. My choice would be the Chase Sapphire Reserve, Chase Sapphire Preferred Card or The Platinum Card® from American Express because these cards will provide bonus earnings on your airfare and travel protections on your flight.

Related: The best credit cards to use on low-cost carriers

Should I get a Spirit Airlines credit card?

Spirit has two cobranded credit cards available to U.S. residents: the Free Spirit® Travel More World Elite Mastercard® ($0 introductory annual fee, then $79) and the Free Spirit® Travel Mastercard® (no annual fee). It only makes sense to have these cards if one or more of the following is compelling to you:

• Become a Pool Pilot to unlock points sharing for up to eight friends and family members (Free Spirit members with Silver or Gold status can also be Pool Pilots)
• Get a 25% rebate on all inflight food and beverage purchases when you pay with your Free Spirit card
• Zone 2 boarding
• Your Free Spirit points don't expire as long as your Free Spirit card is open
• Earn 1 Status Qualification Point (SQP) for each $10 in purchases on your card (SQPs are how you earn Free Spirit Status; only on the Free Spirit Travel More card)
• Pay no award redemptions fees as a primary cardholder (only on the Free Spirit Travel More card)

The information for the Free Spirit Travel More and Free Spirit Travel card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: Credit card showdown: Frontier Airlines World Mastercard vs. Free Spirit Travel More World Elite Mastercard

TPG's Spirit Airlines review

Spirit is an ultra-low-cost carrier, so adjust your expectations appropriately. You may need to wait in long bag drop lines. Plus, there won't be any amenities on board, and Spirit doesn't serve complimentary food or drinks.

The airline also operates fewer flights on many routes than full-service competitors, resulting in fewer rerouting options if your flight is delayed or canceled. On the plus side, the fares are often very low, and the planes are relatively new. Here are a couple of our recent flight reviews from Spirit flights:

• Watch as we review 2 very different ways of flying Spirit Airlines
• The do-it-yourself airline: A review of Spirit Airlines on the A320neo from New York to Fort Lauderdale
• Dispiriting: Flying Spirit's A320 in the Big Front Seat From Newark to Las Vegas

For extra space, consider booking a Big Front Seat if the cost is reasonable. I recommend booking your flight with a credit card that offers trip delay benefits, like the Chase Sapphire Reserve or Chase Sapphire Preferred Card, so you'll be protected if Spirit delays or cancels your flight.

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Buyer Beware - Spirit Airlines and Travel Guard - Air Travel Forum

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The fare each way is low. Then there's the fees...

Seat Selection

Travel Insurance

Printing out your ticket

Checking In

And other fees my head is still spinning about. That was just the beginning.

I chose to purchase Travel Guard. An insurance Spirit sells you when purchasing your ticket leading you to believe if there is some reason you cannot travel and have to cancel you're covered. No problem, right? Think again.

Travel Guard says "Cancellations are 100% Covered". Well when you call them they have absolutely outlandish and extreme conditions you have to meet in order to qualify for coverage.

Under Terrorist Attack

Home destroyed in a Natural Disaster

A Death in the family or Serious Illness

Things that the average person hopefully would not be dealing with.

When you question Spirit about Travel Guard, their answer was they are not associated with Travel Guard and are not responsible for their policies. Wow!!!!

So I called Spirit back to cancel and they kept all of my fair of $230 minus $12. and change to apply to future travel. Unapologetic, no flexibility at all. Not to mention the almost hour hold time each of the 5 times I called and was unsuccessful reaching anyone 4 out of 5 times.

Stick to American Airlines or Southwest if you can. They are much more concerned about customer service.

Not sure what you are complaining about, Spirit has A la carte pricing and your insurance pays for cancellations under the same conditions of most other travel insurance policies.

Sorry, what cancellation reasons did you think you were insuring?

I understand you can get policies in the US for any reason but these are at a price and only pay at a rate of cents on the $. Dont see that as an issue and you had the option to read it or not take it.

Key is that you read it, factor in all you need so when you compare prices you do it right

----------------------------------------------

....so you decided to do lots of research so you had all the information before you decided whether to book or not. Ah.

Trip cancellation insurance only covers "cancel for any reason" if the terms say exactly that ---and costs plenty. You are basically getting a refundable ticket if you can cancel for any reason at all.

Insurance is supposed to protect you from unplanned and unexpected events---things beyond your control, like accident or illness. That is what standard trip insurance is for. if you want the ability to cancel for any reason, at your own whim, book a fully flexible and refundable ticket, or be prepared to pay extra for insurance that specifically includes such coverage.

Thank you for the good advice Enzian. I actually did verbally discuss and did read Travel Guards Policy before purchasing. The thing is that all the normal verbage states 100% Cancellation Coverage and has no disclaimers. Very misleading. And for Spirit to take the position that they are not informed of Travel Guards Policies and not responsible for anything about Travel Guard...yet they sell it as an option is highly questionable???

Would you sell something in your business that you had no knowledge of and would not be willing to back to your clients? It is just bad business.

I posted this hoping it would save anyone else from going through such a bad experience and if you choose to use Spirit Airlines you are informed of the things they are not willing to be so up front about.

Funny how you share your experience to simply inform people to help and cynical people turn it into an opportunity to be ugly with their words....go figure.

So I am thankful to those of you who are informative and not negative. :)

OP - totally invalid complaint.

If you'd clicked on the "Description of Coverage" before you purchased the insurance policy, you'd have pulled up a nine page document that clearly shows what's covered. Cancellations for anything are not "100% covered" by any insurance company!

I read the Travelguard policy and the reasons for cancellation for which you will receive a refund in full are clearly stated.

You will not get your money back on a nonrefundable ticket from any airline . I wouldn't book a flight on Spirit but you can't blame them for providing what you agreed to when you purchased the ticket and the insurance policy.

The trip cancellation and trip interruption part of travel insurance is only intended to cover the highly unexpected events such as a serious illness or injury or death to a close family member. There are other options you can add on (I add cancel for work reasons in case my company instructs me to cancel and attend an important meeting). There are cancel for any reason policies in the US but they are expensive and you only get back a portion (50-75%) of the costs. But coverage is still a good idea and should definitely be worth considering, as if one of those events did happen your non-refundable and highly restricted tickets could be worthless. There are many posts on here from people who faced a family emergency and had to buy new tickets at walk up fares to get home, and weren't insured.

The important thing is to insure yourself, but NOT to blindly click "yes" on those policies offered by airlines and bookers. I'm highly suspicious that these "cheap" policies being offered at the last stage of booking where you don't have time to read the fine print; and the airline /booker is getting a nice bit of commission. You should be insured, but buy that insurance independently of the airline and research the policy before buying, That sounds a lot of work, and first time around it is. But once you've done that once and found a policy that works for you it's a lot easier for the next trips, as you know a policy that works.

Shop for travel insurance independently.

You are correct - everything is an add-on, BUT every possible charge is outlined on their Web site. If you were gobsmacked, it is because you did not bother to do basic research, read and then do the math.

Sorry about that.

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What Does Spirit Airlines Travel Insurance Cover

Published: December 18, 2023

Modified: December 28, 2023

by Blanch Ferrante

Introduction

Welcome to the world of travel insurance with Spirit Airlines! As you prepare for your next adventure, it’s essential to consider the potential unforeseen circumstances that could impact your trip. Spirit Airlines offers travel insurance to provide you with peace of mind and financial protection in case of unexpected events. Understanding the coverage offered by Spirit Airlines travel insurance can help you make informed decisions and ensure a smooth and worry-free travel experience.

Whether you’re embarking on a relaxing beach getaway, an adventurous hiking expedition, or a business trip, having travel insurance can safeguard you from various travel-related risks. From trip cancellations to baggage delays and medical emergencies, Spirit Airlines travel insurance is designed to mitigate the financial impact of these unforeseen events, allowing you to focus on enjoying your journey.

In this comprehensive guide, we will delve into the specifics of what Spirit Airlines travel insurance covers, empowering you to navigate the intricacies of travel protection with confidence. Let’s embark on a journey to explore the comprehensive coverage provided by Spirit Airlines travel insurance and discover how it can safeguard your travel experience.

What is Spirit Airlines Travel Insurance?

Spirit Airlines travel insurance is a valuable safeguard that provides coverage for a wide array of travel-related risks. When you purchase Spirit Airlines travel insurance, you are investing in protection against unforeseen events that could disrupt or impact your trip. This insurance is designed to offer financial reimbursement and assistance in various scenarios, ensuring that you can navigate unexpected challenges with greater ease and confidence.

By opting for Spirit Airlines travel insurance, you gain access to a range of benefits that can mitigate the financial repercussions of trip disruptions, medical emergencies, and other unforeseen incidents. Whether you encounter a flight cancellation, experience a medical emergency during your trip, or face luggage-related issues, having travel insurance can be invaluable in alleviating the associated financial burdens.

Spirit Airlines travel insurance is tailored to address the diverse needs of travelers, providing peace of mind and support throughout your journey. From trip cancellations and baggage delays to medical emergencies and travel inconveniences, this insurance serves as a safety net, offering reassurance and practical assistance when you need it most.

When you purchase Spirit Airlines travel insurance, you are making a proactive decision to protect your travel investment and well-being. With its comprehensive coverage and commitment to addressing travelers’ needs, Spirit Airlines travel insurance stands as a reliable resource for navigating the uncertainties of travel, allowing you to embark on your adventures with greater confidence and security.

Coverage for Trip Cancellation

One of the significant benefits of Spirit Airlines travel insurance is its coverage for trip cancellation. In the event that you need to cancel your trip due to unforeseen circumstances, such as illness, injury, or a family emergency, this insurance provides financial protection. If your trip is canceled for a covered reason, you may be eligible for reimbursement of non-refundable trip expenses, including airfare, accommodations, and other prepaid travel arrangements.

When unexpected situations arise, forcing you to cancel your travel plans, having coverage for trip cancellation can alleviate the financial burden and allow you to recoup a significant portion of your pre-paid expenses. This aspect of Spirit Airlines travel insurance offers peace of mind, knowing that you have a safety net in place to address unforeseen events that could disrupt your trip.

It’s important to review the specific terms and conditions of trip cancellation coverage, as certain reasons for trip cancellation may be excluded or require documentation to support the claim. Understanding the scope of coverage for trip cancellation empowers you to make informed decisions and ensures that you are prepared to navigate unexpected circumstances with greater ease.

By including coverage for trip cancellation in its travel insurance offerings, Spirit Airlines demonstrates its commitment to supporting travelers in mitigating the financial impact of unforeseen events. This aspect of the insurance serves as a valuable resource, providing reassurance and financial protection in the face of unexpected trip disruptions.

Coverage for Trip Interruption

Spirit Airlines travel insurance encompasses coverage for trip interruption, offering valuable protection in the event that your trip is disrupted after departure. If you encounter unforeseen circumstances during your trip that necessitate cutting it short, such as a family emergency or a significant travel delay, this coverage can provide financial assistance and support.

In the event of a covered trip interruption, you may be eligible for reimbursement of additional transportation expenses incurred to return home or rejoin your trip, as well as reimbursement for the unused, non-refundable portion of your travel arrangements. This aspect of the insurance serves as a crucial safety net, mitigating the financial impact of unexpected trip interruptions and enabling you to navigate such situations with greater ease.

Understanding the specific terms and conditions of trip interruption coverage is essential, as certain circumstances may be excluded or require documentation to support the claim. By familiarizing yourself with the details of this coverage, you can make informed decisions and ensure that you are equipped to address unforeseen events that could necessitate trip interruption.

With its comprehensive coverage for trip interruption, Spirit Airlines travel insurance demonstrates its commitment to supporting travelers throughout the entirety of their journeys. This aspect of the insurance provides peace of mind, knowing that you have financial protection in place to address unexpected trip disruptions and facilitate a smoother travel experience.

Coverage for Baggage Delay

Spirit Airlines travel insurance includes coverage for baggage delay, offering valuable assistance in the event that your checked baggage is delayed by the airline. This coverage is designed to mitigate the inconvenience and financial impact of baggage delays, providing support to help you address immediate needs while waiting for your belongings to be returned.

If your checked baggage is delayed for a specified period upon your arrival at your travel destination, you may be eligible for reimbursement of expenses incurred to purchase essential items, such as clothing and toiletries. This aspect of the insurance serves as a practical resource, alleviating the inconvenience of baggage delays and enabling you to manage the situation with greater ease.

Understanding the specific terms and conditions of baggage delay coverage is essential, as there are typically limitations on the eligible expenses and the duration of the delay required to qualify for reimbursement. By familiarizing yourself with the details of this coverage, you can make informed decisions and ensure that you are prepared to address potential baggage delays during your travels.

With its inclusion of coverage for baggage delay, Spirit Airlines travel insurance demonstrates its commitment to providing comprehensive support for travelers facing unexpected inconveniences. This aspect of the insurance offers peace of mind, knowing that you have financial assistance available to help you manage the impact of baggage delays and continue your travels with greater convenience and comfort.

Coverage for Emergency Medical Expenses

Spirit Airlines travel insurance encompasses coverage for emergency medical expenses, offering essential protection in the event that you require medical treatment during your trip. This coverage is designed to provide financial assistance for necessary medical services, helping to alleviate the potential burden of unexpected healthcare costs while traveling.

In the event of a covered medical emergency during your trip, such as an illness or injury that requires medical attention, this insurance can offer reimbursement for eligible medical expenses. These expenses may include hospital stays, emergency room visits, physician services, prescription medications, and other essential medical treatments required to address the unforeseen health issue.

Understanding the specific terms and conditions of coverage for emergency medical expenses is crucial, as there may be limitations on pre-existing conditions, coverage exclusions, and requirements for medical documentation. By familiarizing yourself with the details of this coverage, you can make informed decisions and ensure that you are prepared to address potential medical emergencies during your travels.

With its comprehensive coverage for emergency medical expenses, Spirit Airlines travel insurance demonstrates its commitment to supporting travelers’ well-being and providing peace of mind in the face of unforeseen health challenges. This aspect of the insurance offers valuable reassurance, knowing that you have financial protection in place to address unexpected medical needs while traveling.

Coverage for Emergency Medical Evacuation

Spirit Airlines travel insurance includes coverage for emergency medical evacuation, providing essential support in the event that you require emergency transportation to a medical facility or repatriation to your home country due to a serious medical condition or injury during your trip. This coverage is designed to offer financial assistance and logistical support in critical situations, ensuring that you can access necessary medical care and transportation services when faced with a medical emergency away from home.

In the event of a covered medical emergency that necessitates evacuation or repatriation, this insurance can facilitate and cover the expenses associated with arranging and coordinating the transportation, including air ambulance services, medically equipped flights, and ground transportation to medical facilities. Additionally, the coverage may extend to include expenses related to repatriation of mortal remains in the unfortunate event of a fatality.

Understanding the specific terms and conditions of coverage for emergency medical evacuation is crucial, as there may be limitations on the covered reasons for evacuation, coordination procedures, and requirements for medical certification. By familiarizing yourself with the details of this coverage, you can make informed decisions and ensure that you are prepared to address potential medical emergencies that require evacuation or repatriation.

With its inclusion of coverage for emergency medical evacuation, Spirit Airlines travel insurance demonstrates its commitment to providing comprehensive support for travelers facing critical medical situations while away from home. This aspect of the insurance offers valuable reassurance, knowing that you have financial and logistical assistance available to facilitate emergency medical transportation and ensure access to appropriate medical care during your travels.

Coverage for Travel Delay

Spirit Airlines travel insurance includes coverage for travel delay, offering valuable support in the event that your trip is delayed due to unforeseen circumstances, such as inclement weather, airline mechanical issues, or other unexpected events. This coverage is designed to mitigate the inconvenience and financial impact of prolonged travel delays, providing assistance to help you manage the situation and resume your journey with greater ease.

If your trip is delayed for a specified period due to a covered reason, you may be eligible for reimbursement of additional expenses incurred during the delay, such as meals, accommodations, and transportation. This aspect of the insurance serves as a practical resource, alleviating the inconvenience of extended travel delays and enabling you to navigate the situation with greater comfort and financial support.

Understanding the specific terms and conditions of coverage for travel delay is essential, as there are typically limitations on the covered reasons for delays, the duration of the delay required to qualify for reimbursement, and the eligible expenses. By familiarizing yourself with the details of this coverage, you can make informed decisions and ensure that you are prepared to address potential travel delays during your journeys.

With its comprehensive coverage for travel delay, Spirit Airlines travel insurance demonstrates its commitment to providing support for travelers facing unexpected disruptions to their travel itineraries. This aspect of the insurance offers peace of mind, knowing that you have financial assistance available to help you manage prolonged travel delays and continue your journeys with greater convenience and comfort.

Coverage for Accidental Death and Dismemberment

Spirit Airlines travel insurance includes coverage for accidental death and dismemberment, providing essential protection in the event of a tragic accident during your trip. This coverage is designed to offer financial assistance and support to you or your beneficiaries in the event of an unforeseen accident resulting in loss of life, limb, sight, speech, or hearing.

In the unfortunate event of an accidental death or dismemberment during your trip, this insurance can provide a benefit payment to the designated beneficiaries or the affected individual, offering financial support to help address the associated challenges and expenses. The coverage may extend to include benefits for loss of life, limb, sight, speech, or hearing due to covered accidents that occur while traveling.

Understanding the specific terms and conditions of coverage for accidental death and dismemberment is crucial, as there may be limitations on the covered scenarios, benefit amounts, and eligibility criteria. By familiarizing yourself with the details of this coverage, you can make informed decisions and ensure that you are prepared to address potential unforeseen accidents during your travels.

With its inclusion of coverage for accidental death and dismemberment, Spirit Airlines travel insurance demonstrates its commitment to providing comprehensive protection for travelers, addressing the potential financial impact of tragic accidents during trips. This aspect of the insurance offers valuable reassurance, knowing that you or your loved ones have financial support available in the event of an unforeseen and tragic accident while traveling.

As you embark on your travel adventures with Spirit Airlines, understanding the comprehensive coverage provided by Spirit Airlines travel insurance is crucial for ensuring a smooth and secure journey. From trip cancellations and baggage delays to medical emergencies and unforeseen accidents, the insurance offers a safety net to mitigate the financial impact of unexpected events, providing valuable support and peace of mind throughout your travels.

By familiarizing yourself with the specific details of each coverage, including trip cancellation, trip interruption, baggage delay, emergency medical expenses, emergency medical evacuation, travel delay, and accidental death and dismemberment, you can make informed decisions and prepare for potential challenges that may arise during your trip. This proactive approach empowers you to navigate unforeseen circumstances with confidence, knowing that you have the necessary financial protection and assistance at your disposal.

As you plan your travels, consider the potential risks and uncertainties that could impact your trip, and evaluate how Spirit Airlines travel insurance can serve as a valuable resource in addressing these challenges. Whether you’re embarking on a leisurely vacation, a business trip, or a family getaway, having travel insurance can provide peace of mind and support, allowing you to focus on creating lasting memories and enjoying your travel experiences to the fullest.

Ultimately, Spirit Airlines travel insurance stands as a reliable companion for travelers, offering comprehensive coverage and dedicated support to address a wide range of unforeseen events. By prioritizing your well-being and financial security, Spirit Airlines travel insurance enhances the overall travel experience, ensuring that you can navigate potential challenges with greater ease and confidence, allowing you to make the most of your journeys with peace of mind.

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Protect Your Trip »

Is travel insurance worth it yes, in these 3 scenarios.

These are the scenarios when travel insurance makes most sense.

Is Travel Insurance Worth It?

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Travel insurance can be useful, but it's not always necessary.

The key to knowing if you need travel insurance is figuring out your specific risks for any given vacation, then deciding if you can buy coverage that adequately protects you from any financial losses and pitfalls that might occur.

While insurance can be invaluable no matter the traveler and trip, these are the scenarios where it's especially useful:

• You're concerned about flight disruptions: Flight cancellations and delays are commonplace, especially during the holiday and summer travel seasons. Most trip insurance will reimburse you for incidental expenses that occur while you wait for your flight to depart or for your checked luggage to arrive. Examples include meals and hotel stays if your flight is delayed overnight, or clothing and toiletries you have to buy while you wait for your bags to show up at your destination. Limits apply to this coverage, but it can still pay off if you have to use it.
• You need the option to cancel your trip: Do you have a medical condition that might suddenly prevent you from traveling? What about young children who are prone to illness, or the possibility of your beach vacation getting rained out during hurricane season ? These are just some of the instances when cancel for any reason (CFAR) coverage can help. Offered as an add-on to many insurance policies, this coverage lets you cancel your trip for a reason not covered within a typical trip cancellation benefit. If you need to use this coverage, you'll typically get 50% to 80% of your prepaid travel expenses refunded.
• You're traveling internationally: U.S. health insurance policies typically don't cover medical care or emergencies overseas, which is why so many people seek out travel medical insurance . According to Allianz Travel Insurance, the average costs of international medical evacuation can range from $15,000 in Mexico all the way up to $220,000 in Asia, Australia and the Middle East. Fortunately, many travel insurance policies offer up to $500,000 in medical evacuation coverage or potentially more.

The best travel insurance options

If one of the above applies and/or you're still curious about travel insurance, you can find the top-rated policies in a variety of categories below.

Any rates listed are for illustrative purposes only. You should contact the insurance company directly for applicable quotes.

What does travel insurance cover?

You'll quickly notice that each travel insurance policy is different from the next. Most plans offer coverage for trip cancellations and interruptions, lost or delayed baggage, medical emergencies, and other common perils; some let you add optional coverage for a rental car , sporting equipment and more.

To give you an overview of the way different travel insurance policies work, the chart below shows the included benefits in several plans from a travel insurance company called Travelex:

Compare Travelex plans and get a quote .

What does travel insurance not cover?

It's important to note that travel insurance policies cannot possibly cover every unexpected bill you encounter before, during or after a trip. That's because travel insurance is not meant to be used like other types of insurance, including traditional medical coverage you have for routine health care expenses.

According to Allianz Travel Insurance , travel insurance "does not cover losses that arise from expected or reasonably foreseeable events or problems." Here are some of the most common exclusions found in travel insurance policies:

• Civil unrest
• Epidemics (except COVID-19)
• Extreme, high-risk sports
• Government-issued travel bulletins or warnings
• Natural disasters
• Nuclear reaction, radiation or radioactive contamination
• Preexisting conditions (unless specifically covered by your plan)
• Pregnancy-related medical expenses that aren't an emergency (including regular labor and delivery)
• Terrorist events
• Travel to participate or train for a sporting event

Tips on Trips and Expert Picks

Travel tips, vacation ideas and more to make your next vacation stellar.

When should you skip travel insurance?

While the cost of a travel insurance policy can be worth it in the end, there are plenty of travel scenarios where you may not need to purchase a plan. Consider the following situations where buying insurance may not be worth the trouble:

• You're planning a short road trip within the U.S.: If you're planning a short trip within the U.S. where your own health insurance coverage will apply, you may not need trip insurance for medical expenses. The fact that you're not flying also means you don't have to worry about flight cancellations, and that your luggage will likely remain in your possession the entire trip.
• You plan to use credit card travel insurance: There may be instances where credit card travel insurance coverage is sufficient for your plans, although only you can make this decision. For example, the popular Chase Sapphire Reserve card comes with trip cancellation and interruption coverage worth up to $10,000 per person and $20,000 per trip; primary rental car coverage for damage or theft worth up to $75,000; lost luggage reimbursement worth up to $3,000 per passenger; emergency evacuation and transportation coverage worth up to $100,000; and more.
• You bought insurance from your travel provider: There may be instances where the travel insurance coverage from your airline or cruise line is good enough. If you're flying within the U.S. to see a family member and staying in their home for free, for example, you'll likely just need protection against flight cancellations, eligible trip delays, and lost or delayed baggage.

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has extensive experience when it comes to researching and buying travel insurance for her own trips to more than 50 countries around the world. Johnson has interviewed top executives from many of the best travel insurance companies and has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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Is Travel Insurance Worth It? Evaluating the Value and Benefits

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Travel insurance covers risks like trip cancellations, health emergencies, and lost luggage.
• Travel insurance costs can range from 4% to 12% of your total trip cost.
• Travel insurance is best for trips that are long, expensive, nonrefundable, and international.

Vacations can be very expensive. If you're paying a lot for yours, you might wonder if you should purchase travel insurance, especially when some costs are nonrefundable.

The answer isn't always cut-and-dried. Travel insurance isn't necessary for everyone. Whether you need it will depend on a variety of factors. Here are some key points to consider when deciding if travel insurance suits you.

Introduction to travel insurance

When planning a trip, it's essential to think about how you'll protect yourself from the unexpected. That's where travel insurance comes in. It can cover various risks like loss of personal belongings, checked baggage, and more. With the appropriate coverage, you can nullify or mitigate the potential losses. "Plain and simple, travel insurance is a layer of protection against financial loss," says Brad Cummins, owner and principal agent for Insurance Geek , an insurance comparison platform. "Whether it be lost luggage or a lost passport, travel insurance will cover the extra costs during these unfortunate events."

Benefits of travel insurance

Protection against unforeseen cancellation.

One of the top reasons to acquire travel insurance is to cover potential losses from trip cancellations. When canceling a trip due to a covered cause, travel insurance will reimburse you for prepaid, nonrefundable expenses. 

Some covered causes for travel cancellations include:

• Sickness, injury, or death of traveler or family member of traveler
• Inclement weather
• Unexpected work or layoffs
• Terrorist incidents in a travel location

Some travel insurance covers trip cancellations regardless of the reason. However, you make certain trade-offs when you enroll in a  "Cancel for Any Reason" (CFAR) insurance policy . These policies are more expensive and may only refund a percentage of your trip's cost. You can find our guide on the best CFAR travel insurance  here.

Financial security and peace of mind

While your travel insurance covers any unforeseen issues before your trip, it continues to cover you even after your flight has taken off.

For example, you don't have to be as anxious at baggage claim when your fellow passengers have claimed their luggage and yours hasn't come out yet. Travel insurance offers lost luggage protection and can cover any necessary purchases while you wait for your late luggage to arrive, such as toiletries and a change of clothes.

Medical coverage on travel insurance  can also offer peace of mind as most US health insurers don't provide coverage when you're abroad. A comprehensive travel insurance plan will cover you in an unexpected accident or emergency so you can seek medical attention for an injury sustained while traveling without worrying about mounting medical bills.

Evaluating the cost of travel insurance

The average cost of travel insurance is 5%-6% of your total trip cost. However, the exact cost will vary based on factors such as your age, travel destination, and where you live, and can be as little as 4% of your trip cost or as high as 12% of your trip cost.

If you're wondering whether travel insurance is worth it, you're not alone. There are a few things to consider. If an emergency arises on your trip, travel insurance can reimburse part or all of your vacation expenditure. However, this will depend on factors such as your trip type and whether it's refundable.

Cost vs. potential savings

In general, travel insurance is worth it if you're concerned about losing money if your trip is called off or delayed or if you're worried about medical bills while traveling. However, conducting thorough research and understanding the costs and coverage provided is critical before purchasing a policy.

For example, older travelers or those with pre-existing medical conditions may pay more for their insurance. Similarly, those traveling to high-risk destinations or participating in high-risk activities may also face higher premiums. 

Ultimately, it's important to shop around and compare quotes from different travel insurance companies to find the best coverage and rate for your needs. You can find our picks for the best travel insurance companies here. 

Cost-benefit analysis for different trip types

Travel insurance may be a wise investment if you've already paid for your and can't change or cancel your trip without penalty. Suppose your trip is canceled or disrupted due to a covered cause. In that case, travel insurance will cover the trip's cost and any other nonrefundable expenditures up to a pre-determined amount.

If you're heading to a country where your health coverage doesn't apply, or if you don't have any health insurance at all, travel insurance might provide the protection you need. Travel insurance can also assist you in case of medical emergencies. It's vital to understand that not all travel insurance policies are created equal. Be sure to carefully study the details and understand what is and isn't covered before purchasing one.

Scenarios where travel insurance is essential

Expensive vacations and long-term travel.

It's a good idea to insure trips with a high, nonrefundable price tag because you'll never forgive yourself if your expensive, once-in-a-lifetime trip gets canceled and your money and planning go down the drain. For these vacations, you'll want to find a policy that covers 100% of expenses.

Similarly, if you have long-term travel plans, you'll want to have a policy that protects against travel interruption in case something cuts your plans short. You'll also want medical coverage during extended stay outside the country.

High-risk destinations and activities

High-risk destinations include regions facing political instability, war zones, and areas prone to natural disasters. Travelers headed to these areas should look into travel insurance in case their trip is canceled due to an unforeseen event. 

Additionally, certain areas are known for the thrilling activities they offer, like skydiving and bungee jumping. If you have extreme sports on your itinerary or believe you might build up the courage to plunge down a canyon, you may want to invest in a travel insurance policy. Keep in mind that some travel insurance policies don't cover high-risk activities, so shop carefully.

When travel insurance may not be necessary

Low-risk, short, or domestic trips.

There are also some situations in which you might not need travel insurance. If you are traveling within the US, you do not need travel insurance for health reasons since most health insurance plans will cover you even if you're not in your home state. 

Additionally, travel insurance may not be necessary if you're only traveling over the weekend or exclusively booked refundable experiences.

Making an informed decision

There are a few key considerations when buying a travel insurance policy. The cost of the policy is one factor, but it's also important to look at the coverage limits and what is included and excluded in the policy. Be sure to read the fine print carefully and compare policies between different companies. 

It's also important to consider the purpose of your travel insurance policy. If you're going on a trip where you'll be doing adventurous activities, ensure your policy covers those activities. Finally, remember that travel insurance is there to protect you in case something goes wrong on your trip, so don't hesitate to use it if you need to.

If you decide that you need travel insurance, here are a few things to keep in mind when shopping for a policy:

• Read the fine print of any policy you are considering to understand what is and is not covered. This is especially important for those who want to add special coverage options. 
• Compare policies from different providers to find the best coverage at the best price.
• Purchase your policy well in advance of your trip so that you are covered in case of any unforeseen circumstances.
• Ensure you're covered for pre-existing conditions because a number of policies will exclude pre-existing conditions if you don't pay extra for a waiver or additional coverage. 

Buying travel insurance can be a pretty quick and painless process, thanks to insurance aggregator sites like SquareMouth .

Using SquareMouth is one of the easiest ways to see multiple coverage options simultaneously. Once you've entered some personal details and information regarding your trip, you'll see a variety of insurance providers and plans from which to choose.

Assessing personal and trip risks

The first consideration you should factor into travel insurance is how much of your trip is already paid for. If you've prepaid for most or all of your travel expenses, you may want to purchase travel insurance if you have to cancel.

Another thing to consider is where you will be traveling. If you are visiting multiple countries, getting insurance that covers you in all of them might be a good idea.

Your age and overall health can also determine whether you need travel insurance. Suppose you are older or have pre-existing medical conditions, for example. In that case, it might be a good idea to purchase travel insurance if you need to cancel your trip or incur unexpected medical expenses.

Lastly, the value of your luggage can also be a factor to consider. If you plan to bring expensive items with you on your trip, it might be worth purchasing travel insurance to cover lost or stolen luggage.

Reviewing policy options and exclusions

When it comes to travel insurance, the ease of use will depend on the provider you choose. If you're working with a reputable insurer, then the process should be relatively straightforward. However, it's still important to understand what is and isn't included in your policy before you purchase it. This way, you can be sure that you're getting the coverage you need and that you won't be caught off guard by any fine print.

Travel insurance isn't necessary for everyone or every trip. But it can bring a lot of peace of mind during your travels and can certainly translate into significant savings if you're faced with a medical emergency while on your trip. It's best to do your research, compare plans, and understand your own level of risk when it comes to deciding whether or not to purchase coverage.

Travel insurance frequently asked questions

Travel insurance is highly recommended for trips that are long and expensive. For example, you should buy travel insurance for any international trips, cruises, adventure travels, and trips with significant pre-paid expenses.

To say that travel insurance will save you money in the long run isn't entirely accurate. Travel insurance will save you money when things go wrong, but it won't save you any money if your trip goes smoothly.

Short domestic trips don't necessitate travel insurance. Most health insurance policies cover you from state to state, so unless you're worried about unexpected cancellations, travel insurance isn't a must-have.

Travel insurance policies commonly exclude coverage for pre-existing medical conditions, extreme sports injuries, and travel to high-risk countries.

Cost-benefit considerations should include the total cost of your trip, the refundability of your expenses, your destination's healthcare costs, and your personal health and travel risks.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Is Spirit Airlines Good?

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Spirit Airlines is a budget airline based in the United States that offers service to more than 90 destinations across the U.S., Latin America, and the Caribbean. The airline features barebones airfares that will get you to your destination but won’t include the niceties that many legacy airlines offer for free. You’ll pay extra for almost everything with Spirit Airlines — from printing a boarding pass at the airport to selecting a seat, to in-flight beverage service.

But is Spirit Airlines good? If the airline offers flights to the destination you want at the best price, should you hesitate to book? In this article, we’ll look at some of the quirks of Spirit Airlines to help you decide if you should book them for your next trip.

» Learn more: The best airline credit cards right now

Spirit Airlines reputation

If you look at online reviews from customers of Spirit Airlines, you’ll see a pattern of scathing criticism. And this is reflected in the ratings that many sites publish for an airline based on these reviews.

But when you look closer, you’ll notice a pattern — while many of the criticisms of the airline are based on substantive grievances, those grievances are usually rooted in a misunderstanding of two things:

Spirit Airlines charges a fee for almost everything beyond a seat from point A to point B.

Spirit Airlines has a limited schedule and does not have interline agreements.

» Learn more: Your guide to airline alliances

What fees will I pay?

Like other airlines, Spirit Airlines charges fees for things you might expect, like checked bags. But unlike full-service carriers, Spirit will charge you $4 for a Diet Coke, $25 to print a boarding pass, or even an additional fee to book your ticket online.

If you’re going to fly Spirit, you’ll need to understand the fees you’ll pay. Here are some of the fees you should keep in mind.

Checked and carry on bags

Unlike many full-service airlines, Spirit Airlines charges additional fees for checked and carry-on bags. If you want to take more than a personal item, such as a purse or laptop, you’ll need to pay. A baggage allowance can be purchased when booking your trip or can be added later.

You’ll want to be sure that you purchase your baggage allowance before arriving at the airport — once you arrive at the reservation counter or gate, fees for both carry-on and checked bags increase substantially.

While the airline no longer publishes a set schedule for baggage fees, you can find current baggage prices on Spirit’s optional fees page.

Using a standard ticket on Spirit Airlines flight from from Austin to Atlanta as an example, for your first checked bag you would have to pay:

$36 during a Spirit.com booking.

$38 before online check-in.

$44 during online check-in.

$89 during airport check-in.

$99 at the gate.

The longer you wait, the more you pay.

» Learn more: What you need to know about Spirit Airlines fees

Seat selection

Most legacy airlines allow customers, even those with no frequent flyer status, to select seats in advance when traveling on non-basic economy fares. With Spirit, you’ll need to pay if you want to select your seat either before or after check-in. If you don’t want to get stuck in a middle seat, it’s probably best to expect to pony up the $1 to $200 that Spirit will charge for a regular seat assignment.

Like luggage prices, seat selection prices can vary by itinerary and tend to be less expensive if you select your seats when you book your flight.

Boarding passes

You might not think that you’d need to pay to get your boarding pass from an airport kiosk. After all, most airlines no longer print boarding passes on pre-printed ticket stock — many boarding passes are printed on cheap thermal paper. But with Spirit Airlines, you’ll have to pay $25 for the privilege of getting your boarding pass at the airport.

Drinks onboard the aircraft

Want a glass of water or a soda onboard the aircraft? You’ll need to pay. Spirit Airlines offers no complimentary beverage service onboard, so you’ll end up paying $7 if you just need a drink of water and a small snack. If you want more substantial food or alcoholic beverages, you could end up paying $38 or more.

» Learn more: The complete guide to the Spirit Airlines frequent flyer program

On-time performance

One metric you can use to determine if an airline is good is its ability to complete its scheduled flights on time. Unfortunately, Spirit Airlines doesn’t look great when you start to dig into its operational performance.

Spirit Airlines had an on-time arrival rate of only 60.7% and a flight cancellation rate of 3.6% according to the June 2023 Air Travel Consumer Report. This puts the airline at the bottom among major airlines in the United States for both delays and cancellations. As a comparison, Delta Air Lines, which ranked No.1 for on-time performance had a 79.8% rate of on-time flight operations and only a 2.3% cancellation rate.

Spirit’s dismal on-time performance and higher than average cancellation rate means that you should expect some measure of schedule disruption when flying on the airline. Unfortunately, because of Spirit’s schedule and lack of interline agreements, the airline is less than well-prepared to handle irregular operations.

Limited schedule

Spirit Airlines offers a much more limited schedule than many legacy airlines. While you might expect a legacy airline like Delta Air Lines or United Airlines to be able to get you to your destination any day of the week, that is not the case with Spirit.

For example, if you look for flights from Kansas City to Nashville, you will find that the airline can’t get you between those two cities on Tuesday or Wednesday. If your Monday flight to Nashville cancels, you’ll most likely be waiting until Thursday to be rebooked, if space is available at all.

The lack of schedules means that there are limited options to rebook on Spirit when your flight gets canceled.

» Learn more: What the Spirit Airlines frequent flyer program gets right

No interline agreements

Another tool that many airlines have to handle flight disruptions is interline agreements. An interline agreement is an agreement between airlines that allows one airline to sell tickets on another airline. Interline agreements also define how the airlines interface together to provide service to customers. These agreements are the reason you can fly domestically within the U.S. on one carrier and connect to an international flight on another.

Spirit Airlines does not have interline agreements with other carriers, meaning that the airline can only book you on its own planes if things go wrong. While United Airlines or American Airlines might be able to put you on Delta Air Lines or Alaska Airlines if they don’t have the capacity to get you to your destination, Spirit Airlines simply can’t do this. The airline must either rebook you on its own flight or cancel and refund your ticket.

Bottom line: Is Spirit Airlines a good airline and should you fly them?

If Spirit Airlines offers a substantially lower price than the alternatives on a schedule that works for you, be sure that you include all of the fees you might pay — carry-on and checked baggage, seat selection, boarding pass printing fees, and in-flight food and beverage — into your value calculation.

Often, when you add in all of the necessary “extras” flying the airline may not be substantially cheaper than flying on a legacy airline.

If the bottom-line cost of flying Spirit is your least-expensive option, then you must weigh the risk of irregular operations. With one of the highest rates of delayed flights and cancellations in the U.S. airline industry, there’s a good chance your Spirit flight will be delayed or canceled.

If this happens, be aware that your rebooking options may be limited, and your best option to get home might be to purchase an expensive last-minute ticket on another carrier.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

• Walt Disney World

I’m going to post this piece to vent my frustration with Spirit Airlines. Recently my sister, nephew and I went on a trip. I purchased to extra travel insurance, as COVID cases are rising and I didn’t want to be out money if we got sick. But that was worthless.

Well we got COVID and we immediately did what any decent person would do and canceled our plans, including our flight. It would have been much easier to get on that flight than the ordeal we put ourselves through. But we did not want to put others, and Spirit Airlines staff, at risk so we canceled. I used the link provided by the airline to cancel our flight about two days ahead of our scheduled departure and, as I paid for travel insurance, I requested a refund for the several hundred dollars I paid. When I cancelled and requested a refund they said I might be out $99 of the cost, but that was fine with me, if I got the rest of the money returned, as I am the one who purchased all the flights.

Fast forward to this week when I finally got an answer from Spirit Airlines informing me that they would not be issuing me a refund but instead I could have a credit for flights until October. However only me, my sister or my nephew can use the credit. Well none of us are going to be flying anytime soon. My sister can not as she has no more time off work from the trip and the week she had to take off on top of it for being sick with COVID.

They told me that I was a “No Show” at the airport for the flight that I indeed canceled and submitted a copy of the transcript proving it was canceled days before.

After that they still rejected my refund stating that even though I did cancel I was confirmed for the flight and the flight was not cancelled so I could not have a refund.

Then what is the point of travel insurance? I paid a large sum extra to have travel insurance for this very situation. Then I wasn’t allowed to actually use it. Being confirmed on a flight that they didn’t change, even after my cancelation two days before, was not my fault. Plus, if people don’t show they will likely resell those seats to people on stand-by anyways.

I asked if they insisted on a credit instead of a refund if I could use it for my husband and son who are likely going to Orlando in a couple of months and was told that only myself, my sister or my nephew could use the credit. They will not issue me a general credit amount to use on flights for anyone else. So I can’t be refunded with the travel insurance and I can’t have a general credit either.

I have been flying and traveling for years to cover Walt Disney World and Universal for this blog. I will no longer recommend Spirit Airlines. Even if you buy the insurance it only gets your a credit that you might not be able to use and you too could be out hundreds of dollars.

Perhaps Spirit Airlines would have preferred my party lied and got on the plane with COVID? It would have made it far easier on me and my family.

I gave them plenty of opportunity to fix the situation. I have provided copies of my proof of cancelation as well as a photo of the positive COVID test and they still refuse to refund me.

Some people will be like “well buried in the fine print it says…” or “well they are offering you a credit.” The way the travel insurance is presented is that if you have an medical reason you can get your money returned. They won’t even let you on the plane if they know you have COVID, but if you cancel on your own, to save others, this is how you get rewarded.

Just a warning, purchasing travel insurance with Spirit Airlines apparently does not mean you will get your money back, even though the implication provided is that is what it’s for. So I if this is something you are concerned about I would rethink which airline you use. I would recommend one with a much better track record with customer service and transparent fees and claim process. That way you aren’t out hundreds of dollars for doing the right thing.

• Airlines don't care about COVID
• Don't Fly Spirit Airlines
• Flying with Covid
• How to get a refund from Spirit Airlines
• How to I get a refund
• Is Spirit Airlines worth it
• Is Travel Insurance with Spirit Airlines worth it
• Spirit airlines
• Spirit Airlines COVID
• Spirit Airlines customer service
• Spirit Airlines is a joke
• Spirit Airlines upcharges
• Travel Insurance

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Is Spirit Airlines a Safe Choice for Flying? Everything You Need to Know

Spirit Airlines is a famous American ultra-low-cost carrier known for its budget-friendly fares and straightforward approach to air travel. Operating in the United States and internationally, Spirit has emerged as the top choice among travelers seeking affordable options for their journeys.

However, alongside its reputation for low-cost travel, you might catch yourself wondering: Is Spirit Airlines a safe airline to fly with? Read on to find out! 

Table of Contents

The Burning Question

Spirit is an incredibly low-cost airline, which often makes you think that they might have cut corners in important matters such as passenger and airline safety. This brings us to our dilemma: Are Spirit Airlines Safe? 

Surprisingly, the answer to this question is a resounding yes! In fact, Spirit has an impeccable safety record and consistently gets ranked in the world’s top 25 safest airlines! So, if you’re on a budget and need to get to your destination safely, Spirit Airlines just might be your silver lining. 

Recommended Read:  Airlines That Provide the Best Meals: Hype Up Your Taste Buds at 30,000 Feet

Spirit Airlines Safety Records

When it comes to air travel, safety is of utmost importance. Thankfully, this is something that’s recognized at Spirit Airlines, and they do everything to ensure passenger well-being.

For the last decade, Spirit Airlines has proven itself as a standout in the safety department, which may come off as a shock to many people. Remarkably, there have been no fatal accidents involving Spirit Airlines’ planes during the last 10 years. This speaks volumes about the airline’s commitment to its passengers’ security.

https://unsplash.com/photos/a-group-of-airplanes-at-an-airport-u503hHV20f4

In 2020, Spirit Airlines received a prestigious accolade that further reinforced its safety credentials. AirlineRatings.com , a respected authority on aviation safety, named Spirit Airlines as the second safest airline in the world! This recognition tells us a lot about the airline’s dedication to ensuring their customers have a safe flight experience.

In 2022, Spirit Airlines successfully passed the new FAA (Federal Aviation Administration) certification process. This means that Spirit Airlines isn’t just meeting the rigorous safety standards set by the government agency; it’s exceeding them. This is a huge milestone and is a testament to Spirit’s commitment to safety. Spirit stands among the major airlines and even earned recognition as the “Most Fuel-Efficient Airline” by the International Council on Clean Transportation in 2019. 

Of course, it’s essential to remember that while the skies are safer than ever, air travel carries some risk like all other transportation methods. But with Spirit Airlines, passengers can board their flights with confidence, knowing that the airline leaves no stone unturned when it comes to safety. 

Spirit Airlines Fleet

Owing to Spirit’s reputation as a low-cost carrier, it’s quite natural to think that they might keep their operating costs low by using old, beat-up planes, but guess what? That isn’t true at all!

In fact, Spirit has a very young and modern fleet, containing the world’s best Airbus planes such as the A320, A321, and A319. In addition to that, the average age of their plane is just over 6 years old, making them safe, fuel-efficient, and comfortable. 

Is Spirit Airlines Worth It?

Spirit has undoubtedly established a reputation for being one of the world’s top low-cost carriers. This airline can help you travel on a budget and save a lot of money on your vacation. However, it’s important to remember that these cheap prices come with some restrictions that might not align with everyone’s expectations and travel style. 

To get a thorough understanding of how Spirit keeps prices low, it’s important to recognize how their business model works. The airline operates on an ala-carte system where you pay for amenities and perks as you go. 

In recent years, Spirit Airlines has found itself under the spotlight, drawing both praise and criticism for its Bare Fare pricing structure. This pricing model separates itself from traditional airlines by charging additional fees for various services that are typically included in the base fares of its competitors. These include luggage, seat selection, and even carry-on bags. While this à la carte approach might shock some folks, it does help people save a lot of money.

Despite the occasional criticisms and unique pricing structure, Spirit Airlines continues to thrive as a popular option for travelers looking to get the most value out of their journeys. 

People book with budget airlines to save money, and if that isn’t happening, then there’s no point in flying with them. The airline is notorious for tacking on exorbitant fees for the most basic of services, so it’s recommended that you do some calculations to figure out if you’ll be better off flying with a regular airline or not. 

Also check out:  How to Use Google Flights to Find Cheap Flights. [2023 Guide]

How to Make the Most of Your Spirit Flight

When you’re planning your trip, safety should be your top priority. We’ve already found out that it is safe to fly with Spirit Airlines. Now, let’s talk about other things to be mindful of. 

For the best savings on your Spirit Airlines flight, it’s all about being prepared. Here’s how you can make the most of your budget-friendly journey:

• Travel Light: Stick to a personal item only. Bringing a carry-on or checked bag will cost you extra.
• Pack Smart: Optimize space in your personal items by packing your clothes efficiently.
• Stay Hydrated and Snack Smart: Bring your own dry snacks and a refillable water bottle. It’s compact and easily fits in your bag. After airport security, fill it up at the free water fountains before your flight.
• Entertainment On the Go: Spirit Airlines doesn’t have in-flight entertainment or free Wi-Fi. Be ready with your own entertainment. Download your favorite shows or movies onto your phone before your flight while you still have an internet connection. You’ll have your own in-flight entertainment ready to roll, no Wi-Fi needed.

With these savvy tips, you can make the most of your Spirit Airlines flight without breaking the bank. Not only will you save money, but you’ll also have a pleasant travel experience! 

You might also enjoy reading:  When is The Best Time to Book For The Cheapest Airline Tickets?

Safety Tips for Passengers

Air travel is generally very safe, and as a responsible passenger, you can contribute to ensuring your safety and the safety of others. Here are some handy travel tips that apply to all airlines:

• Stay Informed and Prepared: Pay attention to pre-flight safety instructions, know where emergency equipment is located, and stay informed about the flight’s progress.
• Buckle Up and Follow Crew Instructions: Always keep your seatbelt fastened, and promptly follow instructions from the flight attendants for your safety and the safety of those around you.
• Carry Essentials with You: Keep important items within easy reach, such as identification, medications, and a small first aid kit.

• Secure Your Belongings: Ensure that your carry-on luggage is securely stowed in the overhead bin or under the seat in front of you to prevent items from falling during turbulence.
• Mindful Hygiene: Practice good hygiene by sanitizing your hands regularly, especially before eating.
• Stay Calm and Alert: In case of unexpected events or turbulence, stay calm and report anything unusual to the cabin crew.
• Travel Insurance: Consider purchasing travel insurance to provide coverage for flight-related incidents.

By keeping these tips in mind, you can have a safer and more enjoyable air travel experience, regardless of the airline you choose. 

We’ve talked about Spirit Airlines and explored their business model and safety ranking. Finally, it’s safe to conclude that it is indeed safe to fly with Spirit Airlines. In fact, the airline has won numerous awards for its high safety standards. Their remarkable safety record, accolades, and rigorous standards demonstrate their dedication to keeping you secure.

However, no airline in the world is 100% safe, and a little planning can go a long way! Take time to understand what each airline offers, assess their safety records, and set your expectations accordingly. Spirit Airlines offers a cost-effective travel experience with a no-frills approach, allowing you to tailor your journey to your preferences. With their focus on your safety, you can embark on your adventures with confidence and peace of mind. 

With our handy tips and overview of the airline, you’re bound to have a safe and enjoyable experience on your next adventure with Spirit. Happy travels! 

Read Next:  Is Emirates Safe? Accidents and Safety Standards Analyzed

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Simple Flying

Is the spirit airlines saver$ club worth it.

Is it worth the money? Let’s take a look.

• Spirit Airlines' Spirit Saver$ Club offers fares, discounted ancillaries for frequent travelers.
• Membership ranges from $69.95 to $129.90, with automatic renewals and opt-out options.
• Savings up to $30 on fares, $14 on baggage fees, but membership may only be cost-effective for frequent travelers.

The United States' ultra-low-cost carrier, Spirit Airlines, offers travelers exclusive access to lower fares and discounted ancillaries through a membership program. The Spirit Saver$ Club is aimed at frequent travelers who could benefit from the exclusive offers during their travel throughout the membership period.

According to Spirit Airlines,

“When you join the Spirit Saver$ Club®, you’ll get exclusive access to some of the lowest fares available, as well as discounted prices on bags, seats, and other options such as shortcut security, shortcut boarding, and flight flex. Plus, you’ll get special deals that are only available to our Saver$ Club members. Since the program began, our members have saved millions of dollars on their overall travel expenses.”

The Spirit Saver$ Club

The Spirit Saver Club is designed for travelers who wish to benefit from exclusive fares and discounted ancillaries, including seat choice, baggage fees, shortcut boarding, and shortcut security. The airline offers three tiers of membership, based on the length of the membership.

The fees start at $69.95 and go up to $129.90. The Spirit Saver Club membership structure is shown in the table below.

The airline automatically renews the membership for one year ($69.95) at expiration to avoid a lapse. Members can opt out of the program at the end of their purchased term. The membership can be purchased by filling out a simple online form with basic information. Benefits can be obtained through the carrier’s website when booking flights.

Spirit Airlines Prepares For Spring Break From Tampa With 4 New Routes

According to the airline,

Once you’ve signed up for the Spirit Saver$ Club®, you can immediately start saving by booking travel online and comparing your membership benefits to non-members'. For instance, when you search for a flight at Spirit.com , the pricing calendar on the Flight Availability page will show you the Spirit Saver$ Club® pricing options available for your travel dates. Every time you buy bags online, you’ll save on standard online bag prices.

Spirit Saver$ Club® savings and options are available only through our website. Our reservation and airport agents don’t have access to these amazing discounts, so make sure that you always book online and get your bag savings at Spirit.com.

Offers and savings

The airline offers marginal discounts on airfares posted on the website. For example, a standard economy fare on a one-way flight between Dallas Fort Worth (DFW) and Las Vegas (LAS) costs $185. The Spirit Saver$ Club fare is reduced by $29 to $156.

It is a considerable savings of nearly 16% on a one-way fare. It is worth mentioning that not all routes have savings of up to $30. Some would be as little as $8 less than the standard one-way fare. Passengers can save between $8 and $14 on cabin or checked baggage with their membership.

So, is it worth the membership cost?

On average, a passenger can save approximately $15 to $30 on a round-trip fare, including savings on bags. Therefore, one must make 3-4 trips with the airline each year to cover the membership costs. Moreover, since the fares are only available on Spirit.com, some third-party travel sites may be cheaper on select routes.

In conclusion, the Spirit Saver$ Club may be beneficial for frequent flyers who travel four or more times a year on Spirit.

What are your thoughts on the Spirit Saver$ Club membership and benefits? Share your thoughts in the comments section.