If I have trip interruption insurance and miss a connecting flight, causing me to need a hotel, the insurance will pay $350 for hotel, food and taxi.
However, the airline may also offer a hotel voucher.
There are advantages to using the insurance, such as more choice of hotel, and less hassle (perhaps). However I wonder, will my claim be successful since technically I could use the airline voucher?
It is moot now, but yesterday I had this situation - I decided to chase up the airline hotel voucher, just in case but it meant walking across the airport to find a rep., and then going to a hotel off of the airport instead of the one I would have preferred at the airport.
Similarly, what happens if a trip is cancelled and the airline offers credit instead of money - will the insurance say that the credit is as good as the money, so they don't need to pay?