# What is Ticketmaster ticket insurance and how does it work?

Amelia Palmer · August 4, 2026

> Ticketmaster's "Event Ticket Protector" insurance is underwritten by Allianz Global Assistance, a leading travel insurance provider. The insurance...

Ticketmaster's "Event Ticket Protector" insurance is underwritten by Allianz Global Assistance, a leading travel insurance provider.

The insurance covers 100% of the ticket price, including taxes and fees, if you can't attend an event for a covered reason like illness, injury, or travel disruptions.

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Covered reasons include medical emergencies, death of a family member, jury duty, and even flight cancellations or delays that prevent you from getting to the event.

You can purchase the insurance at the time of ticket checkout, but you have up to 14 days after the initial ticket purchase to add the coverage.

The insurance has a per-ticket limit, usually around $500-$1,000, so it may not cover very expensive tickets in full.

To file a claim, you need to contact Allianz Global Assistance directly, not Ticketmaster, and provide supporting documentation like doctor's notes or flight itineraries.

Claim processing times can vary, but Allianz aims to provide reimbursement within 30 days of receiving a completed claim.

The insurance does not cover voluntary event cancellations or postponements by the event organizer - it's focused on unexpected personal circumstances.

Pre-existing medical conditions may be excluded or require additional documentation to qualify for coverage.

The insurance premium, typically around 5-10% of the ticket price, is non-refundable even if you don't end up needing to use the coverage.

Ticketmaster promotes the insurance as providing "peace of mind," but some consumers have complained about claim denials or slow reimbursement times.

Event Ticket Protector is optional, so customers can choose to forgo the insurance and accept the risk of not being reimbursed if they can't attend.

The insurance does not cover resale or scalped tickets, only tickets purchased directly through Ticketmaster.

Customers have the ability to manage their insurance policy, including updating contact information or canceling coverage, through Allianz's online portal.

Allianz's claims process involves verifying the reason for the ticket holder's inability to attend the event and reviewing supporting documentation.

The insurance may not cover all potential scenarios, so customers should carefully review the policy terms and conditions before purchasing.

Ticketmaster promotes the insurance as a way to protect your investment in event tickets, but some consumers view it as an additional revenue stream for the company.

The insurance can be useful for high-cost events or for ticket holders with unpredictable schedules, but may be less necessary for lower-cost or more flexible events.

Customers should consider their personal risk tolerance and the likelihood of needing to cancel when deciding whether to purchase Ticketmaster's Event Ticket Protector insurance.

The insurance is not mandatory, and ticket holders can choose to forego the coverage and self-insure, or seek alternative insurance options from third-party providers.

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