Travel insurance helps travelers recover unused trip costs and additional expenses incurred when a flight is delayed because of mechanical failure. Such a situation took place in Massachusetts when airplane landing gear collapsed and travelers were evacuated from the airplane. A recent article from MSNBC provided details about the incident.
Passengers and crew were evacuated from an airplane at Bradley International Airport outside Hartford on Tuesday morning after the front landing gear collapsed as the jet backed away from the gate, officials said.
US Airways Flight 5303, bound for Pittsburgh, had just pushed back from the gate and not yet made it to the taxi-way when the problem occurred at about 6:45 a.m., said Arlene Salac, Federal Aviation Administration spokeswoman.
The 29 passengers and three crew members aboard were taken off the Embraer 145 aircraft. No one was injured, she said.
In this type of situation, several travel insurance coverage benefits can apply.
If an airline delay lasts for a pre-determined amount of time, 5-12 hours depending on the policy, additional expenses are eligible for reimbursement. This can include the costs of food, hotels and taxis during the delay.
This type of situation could cause travelers to miss flight connections or other trip departures. The extra transportation costs to catch up to the scheduled trip can be covered by the missed connection benefit. Like travel delay, this can require a set amount of delay time, normally 3-6 hours.
When mechanical breakdown of an airplane causes a more substantial delay, usually 12-48 hours, some policies will cover trip cancellation and trip interruption. Cancellation means the travelers can scrap the entire trip and be reimbursed trip costs that are not refunded by the travel suppliers. Interrupting the trip would result in a pro-rated reimbursement for the unused trip costs.
Always refer to the certificate of insurance for details.