Most travel insurance policies include Travel Delay coverage for “any delay of a common carrier,” which includes delays caused by airport closures at a traveler’s destination.
Travel Delay coverage is separate from the Terrorism benefit, which applies to Trip Cancellation and Trip Interruption. This means that a traveler does not necessarily need to have Terrorism coverage on their policy to be covered for a travel delay due to a terrorist attack.
The Travel Delay benefit covers necessary expenses, including meals and accommodations during a traveler’s unexpected delay. Every policy has a minimum number of hours a traveler must be delayed in order for the benefit to be triggered. This typically ranges from 3-12 hours.
Travelers are advised to keep all receipts during their delay, as this will be helpful during the claims process. Travelers utilizing the Travel Delay benefit should review their policy to understand their coverage. Most policies include a benefit amount per person – this is typically broken down to a daily limit.
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.