Travel delay coverage is typically available as part of many travel insurance comprehensive plans. Travelers with coverage for delays may be entitled to benefits such as reimbursement for incidental expenses resulting from a delay or making suitable travel and accommodations arrangements in the event of a lengthy delay.
In order to be eligible for travel delay benefits, you'll need to be subjected to a delay that meets the minimum number of hours outlined in your travel insurance policy. This time frame varies between plans and providers, but is often somewhere in the 5-6 hour range. Any delay shorter than that may not be covered by your policy. If, however, your travel delay does meet the time frame specified by your travel insurance provider, you may be able to file a claim to reimburse you for related expenses such as food, lodging, and transportation.
Some travel insurance plans will provide you with the opportunity to cancel your trip if you are subjected to a delay that exceeds a certain amount of time. While each plan and provider is different, in general, delays of 24 hours or longer may qualify you to cancel your trip and receive coverage from your travel insurance company. Make sure you have thoroughly read and understand the terms of coverage outlined in your insurance documents so you know whether or not this safety net will be available to you in the case of an unreasonably lengthy delay.