But these policies vary by airline and situation and don’t offer the same coverage as travel delay insurance. Some airlines do say in their contracts that if your flight is canceled or delayed due to a reason within their control - such as a crew shortage - they may give passengers meal vouchers or hotel accommodations. For a routine flight cancellation in the United States, you generally have two basic contractual rights, as USA Today explains: “either one, a seat on your original airline's next available flight, or two, a refund of the unused portion of your ticket.” Don’t expect your travel insurance to pay for a lavish sushi dinner and a stay at the Ritz-Carlton.īut wait: Why do you even need travel insurance for this scenario? Aren’t airlines supposed to pay for your hotel room and meals if your flight is delayed? Not necessarily. There are limits, of course: travel delay benefits reimburse reasonable expenses, up to the limit shown on your letter of confirmation, for example $150/day. The cost of the hotel room you had booked for your first night in Orlando (if the hotel won’t refund your money).
Your cab ride to the hotel from the airport and back.
Here’s what trip delay insurance may cover: flight to Orlando is grounded due to mechanical issues, and the next available flight doesn’t leave until 9 a.m. How does trip delay insurance work in real life? Let’s say your 6 p.m. Also, the reason for the delay needs to be a covered reason as listed in your plan, such as a travel carrier delay or because you lost or had your travel documents stolen. Note that for such an event to be considered a delay, it must last for the minimum time stated in your plan, for example, six hours. It can reimburse you for lost pre-paid expenses, as well as costs you incur because of the delay, including meals, accommodations, communication and transportation. Travel delay benefit exists to help you get through short(ish), unexpected pauses in your travel plans.
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