Most policies have a waiting period before your trip delay benefits begin, such as six or 12 hours. Severe weather, airline maintenance issues or a security breach at an airport, for instance, are typical reasons covered by trip delay insurance. Trip delay coverage can reimburse you for costs you incur as a result of a travel delay, as long as the delay was caused by a reason in your policy documents. ![]() “A short delay probably won’t cause you too much stress, but longer delays can mean missing connecting flights.” Trip delay insuranceĭelays are an expected part of traveling these days, especially while traveling abroad, and that fact has emphasized the importance of trip delay coverage, said Lofdahl. If you meet all the requirements of your plan, you can expect to be reimbursed for 75% - or 50%, depending on the plan - of your prepaid, nonrefundable trip costs. If you want the highest level of flexibility to change your travel plans, consider adding “ cancel for any reason” (CFAR) coverage.ĬFAR is an upgrade to a basic travel insurance plan that may boost the price of your policy by about 50%, but will give you the latitude to cancel your trip for any reason as long as you cancel at least 48 hours before your scheduled departure. For example, if you see a rainy weather forecast in Barcelona or get nervous to travel to Paris because you learn about a rise in petty crimes there, these are not covered reasons. It’s important to note that not all reasons to cancel will be covered by your travel insurance policy. So, if three days before your trip to Vienna, Austria, your husband has a heart attack, you can cancel your trip and receive 100% of any prepaid and nonrefundable trip outlays.
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