Travelling is truly an enriching experience, no matter the place. Especially if you're going on a trip with your loved ones, it's important to prepare well for it. One great feature offered by several travel insurance plans is trip delay insurance.
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Many of us are avid travellers and the idea of finally going on a vacation after COVID-19 is simply too exciting!
Preparing everything from hotels, tour companies, rail or flight tickets is a tiring but necessary part of the plans. All this is absolutely worth it once you're on your vacation, but what will you do if your trip has been delayed?
All your carefully planned details, itinerary and bookings will suffer because of this unexpected delay. This can be because of several reasons, including flight delays, weather conditions or emergencies.
Because of this delay, you may have to spend extra on unexpected accommodation, additional expenses and more. Thanks to trip delay coverage under travel insurance plans, you can be covered for such expenses.
Travel delay is an unpleasant experience for anyone and often comes with a lot of unplanned expenses and compromises. Take a look at some of the situations that are covered under trip delay:
This benefit is offered by several travel insurance companies in India but the exact coverage varies significantly. You should read the policy wordings carefully before buying a plan so that you know what is covered or not covered.
Trip delay is especially undesirable when it exceeds considerable time, usually in hours. This delay can force you to miss any interconnecting flights or an important meeting that you were travelling for.
However, there are always reasons for these delays that are not always valid during raising a claim. For clarity, look at some of the most common reasons which may force your trip to be delayed:
You will end up paying extra for meals, hotel/lodging etc. in case your flight is delayed for these reasons for more than a few hours.
In such cases, having a comprehensive travel insurance plan with a trip delay benefit will be a great help and cover these additional expenses caused by the delay. However, the exact coverage and reimbursement will vary a lot depending on whether you're travelling abroad or in India.
Trip delay coverage differs significantly with the type of trip and several other factors. What may be covered under international travel may not be offered during a domestic trip. These have been briefly discussed below:
Several travel insurance companies in India offer overseas travel insurance plans that offer coverage for trip delays. However, these are claimable only if they meet a minimum deductible or criteria set by the insurer. If your flight is delayed for 12 hours or more, your reasonable extra expenses like meals and accommodation will be covered by the insurer.
Be it through railways or flights, travelling in India is a beautiful experience until your train gets super late or the flight is delayed without any hint. Thankfully, many domestic travel insurance plans are now available that cover several additional expenses because of these delays. For most domestic travels, a delay of over 4 hours is covered by several insurers. Some trip insurance plans also offer varying reimbursements depending upon your plan's sum insured.
In some cases, your trip insurance plan won’t cover trip delays. Keep in mind some of these common exceptions:
After a difficult time full of restrictions, travelling is a much-awaited experience for many people. Whether travelling with families and friends, make sure to buy travel insurance with travel delay coverage benefits. This will ensure that your carefully planned trip does not prove to be very disappointing. You can find the best travel insurance online on Policybazaar.com where you can compare different plans and pick the one you like best!
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