Travel insurance can provide coverage for Trip Interruption, Missed Connection and Travel Delay benefits, depending on the circumstances of the diversion.
Many airlines and other travel suppliers will accommodate travelers by providing refunds, credit vouchers, or assisting in rescheduling travel. Travelers are advised to check with their travel supplier for information on how to obtain a refund or for assistance in rescheduling their travel arrangements.
Trip Interruption benefits can provide coverage for prepaid and unused expenses, and additional expenses to return home due to terrorism. Most policies provide Terrorism coverage, which allows travelers to interrupt their trip due to a terrorist attack. The event must meet the policy’s specific requirements, which usually include:
- The incident must be deemed as terrorism by the US Department of State
- The incident must occur after the policy is purchased, and within 7-30 days of your scheduled departure date
- The incident must occur in or near a city on your itinerary
Some policies require the traveler is delayed for a minimum number of hours before this benefit is triggered.
Travel Delay is designed to reimburse travelers for necessary expenses while delayed, such as meals, accommodations, and local transportation. This benefit requires the traveler to be delayed for a minimum number of hours before the benefit is triggered, and usually provides coverage per person, broken down into daily limits. Travelers are advised to retain receipts for additional expenses incurred while delayed, as this will be beneficial during the claims process.
Missed Connection benefits can provide reimbursement for additional transportation costs for the traveler to catch up to their trip, or reach their destination, in the event of a delayed flight. Some policies do not cover for connecting flights, and will only cover the cost of catching up to a cruise or tour. The benefit requires the traveler to be delayed for a minimum number of hours before the benefit applies. This benefit only provides coverage while en route to your departure; benefits do not apply to your return trip.
Please read the appropriate scenario below to understand what travel insurance coverage may apply:
- My flight was diverted while I was in the air, or before my initial departure
- My flight was diverted, and I wish to stay at the new destination
- My flight was diverted, and I wish to return home instead of going to my original destination
- My flight was diverted and I have missed my connection to my tour/cruise/flight
- I was scheduled to return home today, but my flight out of Brussels is canceled
To determine if your specific policy covers the Brussels terrorist attacks on March 22, 2016, contact your travel insurance provider to understand your coverage and, if necessary, begin the claims process. Contact information for each provider can be found on your certificate, as well as in our Claims information center.
This information is time sensitive and may change as events unfold. Please check back for updated FAQs and provider position statements. Information may vary based on the travel insurance policy. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available 24/7.