Travel insurance helps mitigate the money you could lose due to unforeseen situations. One of these scenarios is if your trip is delayed. A trip delay could be caused by weather, aircraft maintenance issues or even emergency situations.
“Travel delay is the most common situation that travelers face,” says Daniel Durazo, a spokesperson with Allianz Partners. “For significant delays, it’s good to know that travel insurance may cover your airport meals or even a night in a hotel. While nobody likes to be delayed, having those extra expenses covered can take the sting out of an unexpected situation.”
Travel insurance benefits for a trip delay generally kick for a covered reason after a specified length of time, which varies by insurance plan. For example, your plan might start providing benefits after a six-hour delay.
In addition, the cause of the delay must be specified as a covered reason in the policy.
“Common causes include mechanical failure and inclement weather, but they could also include traffic accidents en route to your departure, lost or stolen passports or natural disasters,” says Lisa Cheng, a spokesperson with World Nomads, a travel insurance provider..
Trip delay coverage will have a per day and a total maximum benefit limit per person. The best travel insurance plans require only a few hours of delay and have a high reimbursement level per person.