Travel Insurance Travel Delay Coverages
You will find a brief summary of the Travel Delay benefits below. Please refer to the applicable policy's Certificate of Coverage or Evidence of Benefits for the complete policy wording. Here are the links to our detailed description pages where you can find the complete policy wording: CSA, HTH, Travelex, Travel Guard, Travel Insured and TravelSafe
Q. What does Travel Delay cover?
A. Travel Delay is reimbursement for meals and accommodations that you might incur if your trip's departure is delayed for a covered reason.
For example, you'll be reimbursed 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.
Q. What does Missed Connection cover?
A. Some plans cover the additional traveling expenses under a separate section called "Missed Connection". Missed Connection" provides reimbursement in the event of a missed flight connection or for the additional costs to "catch up" to a cruise or tour if the cause of delay is an accident or bad weather. I suggest you read the policy wording carefully since the phrase "Missed Connection" doesn't mean the same from company to company.
The Travel Insured Comprehensive & Gold plans also include "Missed Port of Call" as part of their Missed Connection coverage
This is important: The airline has to provide written documentation that there was a delay on its part. You will need written proof of a carrier caused delay.
Travel delay benefits are shown as a dollar amount, but the benefits are paid as a daily maximum.
Travel Delay covered reasons may include:
- You being delayed by a traffic accident while en route to a departure
- Lost or stolen passports, money, or travel documents
- Quarantine
- Hijacking
- Unannounced strikes
- Natural disaster
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