Most travel insurance plans include travel delay coverage. This reimburses expenses when a traveler is delayed for a certain amount of time, anywhere from 5 – 24 hours, depending on the plan. Travelex recently wrote about this benefit in their agent newsletter.
A few of the covered expenses for Trip Delay include:
- Reimbursement for meals and lodging while delayed
- Economy transportation to catch up to your covered trip
- One way economy fare to return to your originally scheduled return destination
For prompt claim settlement or for reimbursement, itemized receipts for any additional expenses (meals, lodging, etc.) and written documentation from the source that caused the delay (Common Carrier, police report, etc.) must be submitted.
Often, travel delay, trip interruption and missed connection coverage can each apply in a situation where a traveler is delayed due to a covered reason.
Travel delay is most commonly reimbursement for meals, lodging and local transportation.
Trip interruption typically will reimburse the unused travel arrangements that are not refunded to the traveler.
Missed connection for most plans will reimburse the cost of transportation to catch up to the trip.