Even at the last minute your vacation plans may go awry because unforeseen strike or inclement weather. Because of such unforeseen incidents your trip is delayed and it keeps you from getting somewhere important, whether a special family event, a vacation, or a business meeting. Not only it is stressful also you have to bear additional expenses for accommodation and food and medical expense.
A trip delay insurance will provide you reimbursement for additional transportation costs or additional expenses for meals and lodging should your flight be delayed by inclement weather or other covered reasons.
You will be covered for the trip delay benefits as mentioned in your policy, if your trip is delayed for more than a stipulated number of hours because of events described in your policy, such as common carrier delays, traffic accidents, weather conditions, lost or stolen money or travel documents, natural disasters, terrorism etc . Usually the benefits included in the policy are money to help you to return home or rejoin your trip. They may also include compensation for any unused and non refundable portion of your trip.
In other words, if your trip gets delayed due to inclement weather or due to strike or any other covered reason, trip delay reimburses you for food and accommodation.
For example: There is a flash flood in your city and your trip got delayed because of that . Reimbursement will be provided up to the daily limit for meals and accommodations (to the policy maximum) if your departure is delayed for more than the number of hours required for a covered reason during your trip.
During your coverage period, if you are traveling through a common carrier and your travel gets delayed for more than 12 hours while going to the destination or return back from destination, you are entitled to receive the trip delay benefits.
Most travel insurance usually covers trip delay along with trip cancellation. You may optionally find a policy that either only covers trip delay exclusively or as a major benefit. Depending on your need you can pick the appropriate policy.
Some of the plan that offers Trip delay coverage are:
- TIS -: Travel Insurance Select
- Travel Guard -: Essential, Med- evac, Protect Assist, Cruise Tour and travel
- CSA -: CSA Travel Protection
- Travel Ex-: Travel Plus, Travel Select, Travel Basic.
Facts and Important information for Trip delay:
- Airline provides travel delay coverage. Check with your airline to see the covered reasons for delay.
- Some credit card companies also offer you travel delay protection if you buy your tickets using the credit card.
- Make sure to read the policy documents for covered reasons.
Call customer support at 866-384-9104 for immediate assistance, and speak to a Travel insurance expert.
Visit our extensive knowledge center to read and understand about Visitor Insurance.
