Travel insurance plans can help when travel plans are unexpectedly delayed. The Atlanta airport lost power on 11/28/10, the Sunday after Thanksgiving, causing many flights to be delayed and some to be cancelled. A story from CNN addressed the outage and flights that were affected. The following is an excerpt from the article.
The power outage began Sunday evening, as many people were trekking back home after the Thanksgiving holiday.
It affected 18 gates in Concourse B, at one point prompting Delta to request a full ground stop, said FAA spokeswoman Kathleen Bergen.
About two dozen flights were canceled, said Anthony Black, a spokesman for the airline.
The ground stop later changed to a ground delay, which meant the Delta concourses could accept about 40 arrivals an hour. Still, many flights were delayed by up to an hour as the airline moved flights around to other gates.
Mechanical failure of a common carrier could trigger trip cancellation, trip interruption, travel delay or missed connection coverage. Look closely at cancellation and interruption because this situation is not covered by every plan. In order for benefits to apply, the cause must be specifically written into the policy, and some do not list mechanical breakdown as a covered reason. If coverage is available, travelers could be reimbursed for unused travel arrangements and last minute transportation.
Travel delay is typically more general defining when benefits are available. Many policies will cover a common carrier caused delay that lasts for a set amount of time, from 5-12 hours. This coverage reimburses expenses for lodging, meals and local transportation during the delay.
Missed connection is similar to travel delay, in that it will typically cover any common carrier delay and require a set amount of delay time, normally 3-6 hours . Missed connection can reimburse the additional transportation costs to catch up to the trip. It is always a good idea to read the coverage carefully because some plans only cover missed cruise or tour departures.
Always refer to the certificate of insurance for details.