Does travel insurance cover flight delays, and how does that work?

Travel insurance can indeed cover flight delays, but the specifics depend on the policy you choose. Generally, travel insurance policies may include coverage for trip interruptions and delays, which can provide reimbursement for additional expenses incurred as a result of a delayed flight, such as meals, accommodation, and transportation. It's essential to check the details of your policy, as coverage can vary significantly from one insurer to another.

When a flight is delayed, the first step is to confirm the cause of the delay. Most travel insurance policies will cover delays caused by factors like severe weather, mechanical issues, or other circumstances outside your control. However, delays due to personal reasons or issues like a missed connection are typically not covered. If your flight is delayed for a specified duration—often three to six hours—your policy may kick in, allowing you to file a claim for reimbursement of applicable expenses. To ensure a smooth claims process, keep all relevant receipts and documentation, including proof of the flight delay from the airline.

Before purchasing travel insurance, it's wise to carefully read the policy details and understand the coverage limits and requirements. Some policies may have a waiting period or a deductible that could affect your claim. Overall, having travel insurance can provide peace of mind, knowing that you have some financial protection in case of unexpected travel disruptions. Being informed and prepared can make your journey much more enjoyable, even when faced with delays.