Extreme weather is the cause of many travel delays, particularly with air travel. Travel insurance can help in these types of situations by reimbursing additional expenses during a delay as well as forfeited trip costs.
This winter has had significant impact on travel plans throughout Europe. Travel Insurance Services recently blogged about the crippling affect the snow and ice has had. The following is an excerpt from the post.
Most of Paris has been paralyzed by icy roads after the region’s heaviest snowfall in 25 years hit earlier this week. The Eiffel Tower was closed Wednesday, and flight delays and cancellations at Charles de Gaulle Airport halted travel in and out of the country.
Germany suffered the same fate when heavy snow storms forced hundreds of flights cancellations and train delays. The Frankfurt International Airport was shut down on Wednesday and Thursday, and almost 200 flights were cancelled in Berlin.
Britain is also experiencing the wrath of winter, as streets and airports are shut down. The region continues to see record snowfall after November brought more snow than it had seen in 65 years.
When inclement weather causes such substantial travel delays, travel insurance can provide relief. Travel delay coverage covers the costs of lodging, food and transportation during a delay. Normally a set amount of time must pass before benefits are available, anywhere from 5-12 hours. Different plans might limit the dollar amount of coverage per person, per day or per policy. Baggage delay coverage is similar. After luggage is delayed for a set number of hours, this benefit will reimburse for essential items, such as clothing and toiletries, during the delay.
If a travel delay lasts long enough, some policies allow for trip interruption coverage to apply. In most cases, for this to be covered, the delay must be 24 or 48 hours. Travelers can be reimbursed for unused trip costs that are not refunded. Coverage can also reimburse last minute costs to catch up to the trip or return home early.
Always refer to the certificate of insurance for details.