Flying in Monsoon? Here's How Travel Insurance Helps With Flight Disruptions

What is Travel Insurance?

Many uncertain flight-related or medical issues can arise when you travel. Travel insurance is a policy that helps you manage expenses for such matters. It offers monetary recompense for managing risks like sudden illness, emergency hospitalisation, loss of baggage by the airlines, and delayed or cancelled flights. There are various kinds of travel insurance policies available, including family, student, domestic, and international travel insurance.

Facing Flight Disruptions in Monsoon? Here's What Travel Insurance Can Cover

India experiences unpredictable weather fluctuations throughout the monsoon season. There are occasions when it rains so much that it can cause disruptions in travel plans, and even major airport hubs like Mumbai could potentially flood. In such cases, your travel insurance policy can cover the risks mentioned below.

Flight Delay

Unfavourable monsoon weather can occasionally delay overseas flights. In these situations, essential expenses like meals, refreshments, and any other related expenses may be covered by travel insurance. Travel insurance can compensate up to your sum insured if the flight delay exceeds the specified hours.

Missed Connecting Flights

Sometimes, you need to take a connecting flight from India to reach international destinations because there are no direct flights. If your first flight is delayed for unforeseen reasons beyond your control, such as weather changes, it can cause you to miss your next flight. Travel insurance can cover the cost of rebooking the flight, as well as accommodation, transportation, and meal expenses. 

It covers:

• A fixed compensation for the missed flight per your policy documents.
• Cancellation charges to be paid for the missed flight.
• Additional cost of transport for reaching your destination for the same travel class.

Trip Cancellation and Disruption

Your entire vacation may be cancelled or completely disrupted if the monsoon rains turn into storms or floods. Travel insurance may cover the cost of your trip cancellation in such circumstances. Travel insurance covers airline cancellation fees and the price of finding another flight to get to India in the same class as your original ticket.

Top Benefits of Travel Insurance for Handling Monsoon Flight Disruptions

During the monsoon season, there is a greater chance of travel disruptions, which can result in significant costs. Here is how travel insurance is helpful in such situations:

• 24/7 Customer Support: Travel insurance companies have telephone helplines that work 24 hours a day to help their customers with travel insurance assistance during emergencies. You can access these helplines from any part of the world.
• Affordable Security: The travel insurance policy premium is quite affordable compared to the alternative flight tickets, hotel bookings, or other expenses you would need to make from your pocket without travel insurance.
• Paperless Process: You can buy travel insurance policies online without the hassle of handling physical paperwork and paying multiple visits to insurance agents' offices. The online process is fast and simple.

What's Not Covered by Travel Insurance? A Few Things to Keep in Mind

Although overseas travel insurance is quite helpful in handling flight disruptions, you should know which flight-related risks it does not cover. Here are some things to keep in mind.

• Travel insurance will not pay for missed connecting flights if the airline has already informed you that your flight from India may be delayed and you may miss the connecting flight.
• Travel insurance cannot be used if the flight delay is caused by factors other than those listed in the policy.
• When your travel insurance company pays for substitute flights, you receive tickets for the same class of travel and to the same destination.
• Travel insurance only covers flights operated by airlines licensed by the government and airport authorities.

Wrapping Up

Travelling during the rainy season can be a refreshing escape, but it's important to stay prepared for potential flight issues. A good travel insurance plan ensures you are not caught off guard financially during such events, especially during monsoons when disruption chances are higher. So, before you pack your bags, ensure you have the right coverage.