travel insurance for delay

Trip Delay Benefits

What is trip delay.

Whether you are on your way to or from your destination, AXA Travel Protection can reimburse you for covered trip delay expenses based on one of our offered plans. This coverage is applicable if you experience a delay due to inclement weather, traffic accidents, stolen identification documents, strikes, and many other reasons. 

Do I Need Trip Delay Coverage?

Whether you need trip delay coverage or not depends on your circumstances. Trip Delay is a wise decision because it offers coverage if a delay occurs during your travels.

Understanding Covered Trip Delay Expenses 

Our plans encompass various expenses you might incur due to a trip delay: 

Unused Accommodations : We can cover the costs if you have prepaid for accommodations you cannot use due to the delay. 

Reasonable Expenses : We understand that delays can lead to unexpected costs. We may cover any reasonable expenses you incur due to the delay, such as meals, local transportation, lodging, and essential phone calls. 

Getting Back on Track : We will help you catch up with your trip by covering the cost of an Economy Fare from the point where your trip was interrupted to a destination where you can rejoin your planned journey. 

Return Journey :  If your delay results in you needing to return to your originally scheduled return destination, we can cover the cost of a one-way Economy Fare. 

Special Provision for Pets -  (Exclusive to Platinum Protection Plan) 

We care about your furry companions, too. If you have entrusted your pet to a kennel during your trip and your delay prevents you from picking them up on the previously agreed day, we will step in. 

AXA Travel Protection will cover additional kennel fees up to the maximum benefit shown on your schedule of benefits section in your AXA Travel Protection plan. 

What warrants a Trip Delay?

If you are en route to or from the trip and it becomes delayed for twelve (12) or more hours due to: •    Common carrier delay •    Severe weather •    Traffic delay due to an accident in which you are not involved •    Lost or stolen passports, travel documents, money •    Quarantine •    Hijacking •    Unannounced strike  •    Natural disaster  •    Civil commotion or riot •    Road closure by state police, state officials, or other government authority

Is Trip Delay coverage necessary?

Are you worried about unexpected trip delays ruining your travel plans? With our Trip Delay coverage, you can rest easy knowing you're protected against delays caused by unforeseeable events like inclement weather, stolen travel documents, or strikes. This coverage can reimburse you for additional expenses like accommodations, meals, and transportation so you can focus on enjoying your trip instead of worrying about the unexpected.  

Why choose AXA Travel Protection?

With a presence in over 30 countries worldwide, AXA provides assistance with a wide range of features that include:  •    Extensive knowledge of local health risks and medical facilities to respond swiftly in the event of a medical emergency •    24/7 global team of travel experts that offers assistance and assurance while traveling We understand that the needs of every traveler are unique, which is why our travel plans allow customers to choose their coverage based on their specific needs. Having your travel insured by an industry leader like AXA means having greater peace of mind.

How to get a Travel Protection Quote

Disclaimer: It is important to note that the specifics of trip delay will depend on the date of purchase and state of residency. Customers are advised to carefully review the terms and conditions of their policy and to contact AXA Partners with any questions or concerns they may have .

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Trip Delay, Trip Interruption and Trip Cancellation Insurance Explained

“We’re sorry, but … ” the gate agent begins to say. That’s when you know your trip isn’t going to proceed quite according to plan.

Every traveler has experienced some kind of hiccup in their travel plans: a short wait, a lengthy delay or even an emergency cancellation. That’s why travel insurance is so important: A good plan can reimburse you for an airport lunch or cover the thousands in prepaid trip expenses you lost because of a trip cancellation.

Several travel insurance plans from Allianz Global Assistance include benefits for trip delays, trip interruptions and trip cancellations. Here’s how they protect you.

What does trip delay insurance cover?

A travel delay benefit exists to help you get through short(ish), unexpected pauses in your travel plans. It can reimburse you for lost prepaid expenses, as well as costs you incur because of the delay, including meals, accommodations, communication and transportation.

Note that for such an event to be considered a delay, it must last for the minimum time stated in your plan, for example, six hours. Also, the delay needs to be for a covered reason, as listed in your plan, such as a travel carrier delay or because you lost or had your travel documents stolen.

How does trip delay insurance work in real life? Let’s say your 6 p.m. flight to Orlando is grounded due to mechanical issues, and the next available flight doesn’t leave until 9 a.m. the next morning. Here’s what trip delay insurance may cover:

• Your dinner and breakfast the next day
• Your hotel room for the night
• Your cab ride to the hotel from the airport and back
• The cost of the hotel room you had booked for your first night in Orlando (if the hotel won’t refund your money)

There are limits, of course: Travel delay benefits reimburse reasonable expenses, up to the limit shown on your letter of confirmation, for example, $150/day. Don’t expect your travel insurance to pay for a lavish sushi dinner and a stay at The Ritz-Carlton.

But wait: Why do you even need travel insurance for this scenario? Aren’t airlines supposed to pay for your hotel room and meals if your flight is delayed? Not necessarily. For a routine flight cancellation in the United States, you generally have two basic contractual rights, as USA Today explains : “either one, a seat on your original airline’s next available flight, or two, a refund of the unused portion of your ticket.”

Some airlines do say in their contracts that if your flight is canceled or delayed due to a reason within their control — such as a crew shortage — they may give passengers meal vouchers or hotel accommodations. But these policies vary by airline and situation and don’t offer the same coverage as travel delay insurance.

What does trip interruption insurance cover?

A trip interruption occurs when a traveler must unexpectedly cut a trip short and return home. Additionally, an interruption can cause you to stay at your destination longer than originally planned (not always a bad thing, right?). Trip interruption insurance can refund lost prepaid costs, minus any available refunds and up to the maximum benefit amount, and cover the cost of your extra accommodations and/or your trip home (depending on which plan you choose ).

Trip interruption insurance only applies if the interruption is caused by a covered reason. Allianz Global Assistance lists more than 20 covered reasons for interrupting or canceling your trip. Some common covered reasons include the serious covered illness or injury of the traveler, traveling companion or a family member; a natural disaster that renders your home or your destination uninhabitable; and the cessation of services by your airline, cruise line or other carrier, causing you to miss more than half of your trip.

Trip interruption insurance is essential for those travel emergencies you just can’t predict.

Imagine you’re in the middle of a weeklong safari in the Serengeti when you receive word that your parent is gravely ill with pneumonia and you need to return home. With the help of the travel experts on the Allianz emergency hotline team, you can get on the first available flight out of Kilimanjaro Airport and travel back to the U.S. Trip interruption insurance can help cover the cost of the flight and reimburse you for the unused portion of your safari.

One key condition to keep in mind with trip interruption is that in order to take full advantage of the benefit, you need to inform all your travel suppliers (hotels, tour operators, etc.) within 72 hours of finding out your trip will be interrupted. So in the heat of the moment, be sure to keep your cool and communicate your change of plans as needed.

What does trip cancellation insurance cover?

Trip cancellation insurance covers situations when you must cancel your trip before you leave for a covered reason (generally the same covered reasons that apply to trip interruption coverage).

Trip cancellation coverage can refund the prepaid, nonrefundable costs of your trip, such as airfare, cruise tickets, tour bookings and hotel reservations. Plus, if you prepaid for shared accommodations and your travel companion needs to cancel their trip for a covered reason, you can be reimbursed additional accommodation fees, which is huge if you’re taking a cruise.

Similar to trip interruption, the 72-hour notification rule applies here, as well. So be sure to let your airline, tour operator, cruise line and others know about the trip cancellation in a timely fashion.

What Else You Should Know When Your Trip Doesn’t Go as Planned

It’s possible for a trip delay to turn into a trip interruption if you’ve lost more than half the total length of your scheduled trip length due to a covered travel delay.

Let’s say you’re about to leave for a five-day Caribbean cruise, but a blizzard grounds your Miami-bound plane for two days. By the time you get to Florida, your ship is long gone, and you can’t find a flight to its next port of call. You may be able to make a trip interruption claim.

Just remember that when your trip is delayed or interrupted, you need to do everything you can to continue your scheduled plans. Try to catch up with your cruise ship or tour group (our hotline staff can help). Document your efforts. Keep your receipts. And as we’ve mentioned, notify all your travel providers and your insurer as soon as possible once you cancel your trip. Here are some tips on how to use your trip delay benefit — and how you know it’s time to cancel the trip.

Always read your plan documents carefully so you understand your coverage, and call Allianz Global Assistance if you have any questions.

Terms, conditions, and exclusions apply. Benefits/Coverage may vary by state, and sublimits may apply. Please see your plan for full details. Plan(s) underwritten by BCS Insurance Company or Jefferson Insurance Company. AGA Service Company is the licensed producer and administrator of these plans. Plans include insurance benefits and assistance services. Contact AGA Service Company at  800-284-8300  or 9950 Mayland Drive, Richmond, VA 23233 or  [email protected] .

This article originally appeared on the Allianz Travel website.

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Your Travel Delay Expenses Can be Reimbursed with Trip Insurance

Travel delays can be an expensive headache and are often due to factors completely out of your control. Trip delays are usually a side-effect of potentially trip-wrecking events, like a canceled flight or ending up in the hospital, scenarios that could result in extra hotel costs, unexpected transportation costs and more. That’s why our travel protection plans are designed to include Travel Delay coverage.

Generali was selected as  travel protection "Best for Delays"  by Trip Saavy

What is Travel Delay coverage?

Travel Delay coverage can provide reimbursement for reasonable out-of-pocket expenses, such as hotel accommodations, meals and transportation if you are delayed during your trip. Depending on your travel protection plan, there are requirements that must be met to qualify. For our plans, the delay must be 10 hours or more (Standard), 8 hours or more (Preferred) or 6 hours or more (Premium). Be sure to read your Plan Documents  for details.

Also read:  What to do if Your Flight is Canceled

How does it work?

Once your trip has started, Travel Delay coverage kicks in as soon as you experience a qualifying delay and lasts until travel becomes possible again. When your trip is delayed, you are eligible to seek reimbursement up to the amount specified for your plan for reasonable, additional expenses incurred while you are delayed. 

Learn more about travel insurance: •  What is Travel Insurance? •  How Much Does Travel Insurance Cost? •  Top 5 Reasons to Get Travel Insurance

What does Travel Delay cover?

If your trip is delayed, then you may need to stay in a hotel, receive transportation to and from the airport and buy meals until you’re traveling again. These are some of the most common expenses Travel Delay coverage can reimburse, but it can also do so for phone calls, additional parking charges, and even extra pet kennel fees. 

Our plans include 10 different covered reasons for Travel Delay:

• Delay of a common carrier
• Loss or theft of your passport(s), travel documents, money
• Natural disaster or adverse weather
• Being directly involved in a documented traffic accident while you are en route to departure
• Unannounced strike
• A civil disorder
• Sickness or Injury of you or a traveling companion
• Death of a traveling companion

See more coverage details for travel delay

Why is it valuable for travelers?

Unexpected out-of-pocket costs can add up quickly when you're delayed during a trip.  With Travel Delay coverage, you can submit a claim and get money back for covered expenses. 

When you’re excited about going on a trip, the very last thing you want or expect is an air travel delay to cause you to be stuck in an airport for 12 hours. But if you know that your expenses can be reimbursed, it can help take the edge off. 

Generali's Standard,Preferred,  and Premium Plans include Travel Delay with a coverage limit of $1,000 per person and if you choose the Premium Plan, that daily limit goes up to $300 per person.  Get a quote  to see which plan fits your trip best.

Travel Delay Coverage FAQs

Does trip delay insurance cover delayed flights .

Travel Delay covers delayed flights that are delayed for the time specified for each plan (10 hours for Standard Plan, 8 hours for Preferred Plan, and 6 hours for Premium Plan). When your flight is delayed due to certain reasons beyond your control, such as inclement weather, mechanical issues or airline strikes, Travel Delay coverage can kick in.

How Much Does Trip Delay Insurance Cost?

The travel protection plans offered by Generali Global Assistance include Travel Delay coverage as part of a package plan of travel insurance with assistance services. While travel protection plan costs vary, the average is somewhere between 4-12% of your  total trip cost .*

Compare plans and read reviews to find the coverage that best fits your budget and travel needs.

Trip Interruption Coverage Versus Travel Delay

Trip Interruption and Travel Delay coverages are different components of travel insurance that serve different purposes. Trip Interruption coverage deals with unexpected events that interrupt your trip, forcing you to return home early or rejoin your trip in progress, such as illness, injury, natural disasters or the death of a family member.

Travel Delay coverage may provide coverage when you encounter flight or other travel-related delays. It can help reimburse expenses incurred during the delay, as explained under "reasonable expenses."

How to Make a Claim, and What Information Is Required?

If you experience a flight delay during your trip, you must take a few steps to make a claim under your Travel Delay coverage. Notify your plan provider as soon as possible. They'll guide you through the process. Start your Generali Global Assistance claim at our  eClaims Portal .

When making a claim, you must provide essential details, including proof of the delay, receipts for reasonable expenses and any other relevant documentation.

Travel Resources

A3861707 *Actual travel insurance cost will vary depending on trip details.

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Trip Delay and Trip Interruption Insurance — Are They Worth It?

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Table of Contents

What are trip delay and trip interruption insurance, what’s covered with trip delay and trip interruption insurance, how to get trip delay and trip interruption insurance, why you may not need trip delay and trip interruption insurance, why you may want trip delay and trip interruption insurance, are trip delay and trip interruption insurance worth it, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

It’s never fun to experience a hiccup in your travel plans, whether it be a delayed flight causing you to arrive at your destination later than expected or a family member back home falling ill and leading to a premature ending to your trip.

These situations aren’t predictable, but they do happen. In 2023, around 20% of flights in the U.S. were delayed, and just over 1% were canceled, according to data from the Bureau of Transportation Statistics. ¹ Since you can never be certain if or when you’ll encounter a delay or interruption to your trip, having insurance that covers these types of situations can provide peace of mind . But are trip delay and trip interruption coverage really worth it?

Let’s take a closer look at each of these types of coverage so you can decide whether they’re necessary for your next trip.

Trip delay insurance and trip interruption insurance are 2 different products .

Basically, trip delay insurance provides coverage when travel booked on a common carrier — think airline, bus, train, or passenger boat tickets — is delayed for a period of time. Trip delay insurance covers reasonable expenses (up to the daily dollar limit as specified by your plan) incurred once your trip is delayed by a certain number of hours (also specified by your plan).

On the other hand, trip interruption insurance covers you if something happens that forces you to cancel the remainder of your plans. 

Trip delay insurance is typically considered to be supplemental coverage as it only pays in excess of any reimbursement you’ve received elsewhere , like from an airline or from another insurance policy. With this insurance, you can be reimbursed for reasonable expenses that you have to pay for as a result of the delay, such as meals, a hotel stay, transportation, and lost prepaid expenses. 

Say, for example, an airline cancels your flight but then rebooks you on a different flight for the next day and provides you with a hotel stay and meal vouchers. Your trip is delayed, yes, but since the airline paid for the necessary expenses to get you through the delay, you cannot also submit a claim to your travel insurance provider for additional accommodations and meal reimbursements.

With trip interruption insurance, you can be reimbursed for unused prepaid nonrefundable expenses and for transportation back home or to your next destination . Examples of reasons your trip might be interrupted include a family emergency, a natural disaster, or either you or a travel companion experiencing an illness or injury.

Keep in mind that many policies have exclusions , and not every reason for interrupting your trip will qualify for coverage. This includes reasons such as childbirth, illegal acts, and drug use. Some policies may also exclude preexisting conditions.

Be sure to keep track of any expenditures and receipts during your delayed or interrupted trip. You may need to submit them in order to be reimbursed by your insurer.

Trip delay and trip interruption insurance are usually packaged with other types of travel coverage , including trip cancellation, baggage loss, medical emergency, and evacuation insurance. A comprehensive travel insurance policy that you can purchase from a third-party provider typically includes both trip delay and trip interruption coverage, but you’ll want to review any policy you’re considering to be certain.

Third-party travel insurance providers include Allianz Travel Insurance , Generali Global Assistance Travel Insurance , and World Nomads Travel Insurance . Using a site such as Squaremouth is an easy way to compare policies and pricing across multiple travel insurance providers.

Many popular travel credit cards include trip delay and trip interruption insurance as perks . Coverage varies by card but usually kicks in after a delay of 6 to 12 hours. However, if you need more coverage than your credit card benefits offer or you need Cancel for Any Reason travel insurance, you should look into buying a separate travel policy with inclusions for trip delay and trip interruption insurance.

You’re Traveling Within the U.S. 

The average American takes 2 or 3 vacations each year , with most travelers remaining within the U.S., as domestic leisure travelers made up the majority of direct travel spending in 2022.

Travel within the U.S. is often a lot less expensive than international travel . With the national average domestic airfare in the third quarter of 2023 being around $368, you may not have a huge amount of money on the line if your trip gets delayed or goes awry while in progress. 

And if you’ve booked a hotel with a free cancellation policy, you also don’t have money at risk of loss if you cancel before the deadline specified by your reservation. Depending on the situation, some hotels may allow you to cancel or rebook for a different date for no fee, even beyond the cancellation deadline.

Your Trip Only Includes Air Travel

As a passenger, knowing your rights when you experience delayed or canceled flights can help ensure you’re rebooked and/or compensated as per the airline’s policy, which, in many cases, can negate the need for trip delay insurance. 

For example, all of the major U.S. domestic airlines will rebook you on the same airline at no additional cost for a controllable delay or cancellation (a “controllable” delay or cancellation is one that is caused by the airline, such as maintenance or crew problems). Some airlines will also rebook you on a different airline at no additional cost, but a few do not.

You also have the right to a refund if you decide not to travel because of a canceled flight or a significant delay/schedule change.

Should your travel plans be interrupted and you need to stay at your destination longer or for an unknown amount of time, often you can cancel the unused portion of your airline ticket and receive travel credit to be used in the future (though basic economy fares are typically excluded from these situations). 

You Booked With Points and Miles

You may not be able to use trip delay or trip cancellation coverage from a general travel insurance policy to recover the value of points and miles that you redeemed for travel. However, many airline and hotel programs have generous change and cancellation policies for award travel where you can change your travel dates or receive a refund for the points or miles used and taxes paid, either for free or for a low fee.

Booking through a bank’s travel portal — such as Chase Travel or AmexTravel.com — with flexible points can qualify you for trip delay and trip interruption reimbursement through the associated credit card , so you would not need separate coverage in this instance. 

If you need to advance your return date and head home sooner, many airlines now allow changes for no additional fee , though you will have to pay any difference in fare (again, basic economy tickets are typically excluded from this policy). Sometimes the fare difference can be significant, so you may want to weigh the cost of paying a potential fare difference versus purchasing a travel insurance policy with trip interruption coverage.

You Don’t Have a Lot of Prepaid Expenses

If you don’t have many prepaid or nonrefundable expenses, your losses from a delayed or interrupted trip could be minimal . For a delayed flight, there may be many other flight options that would get you to your destination at a reasonable time. For a trip in progress that’s interrupted, you may be able to use points or miles for a last-minute flight to get back home quickly. In these instances, you’re basically “self-insuring” because you don’t have much money at risk.

You’re an Employee Taking a Business Trip

An as employee traveling for work, you may have trip delay and trip interruption coverage through your employer’s business travel insurance policy. However, it’s best to check with your employer to be certain rather than assume you are covered. 

Should you decide to extend your business trip for personal reasons, like visiting family or enjoying leisure activities either before or after the work portion is completed, it could be a good idea to have separate, personal coverage.

If you’re self-employed, you may want to purchase a comprehensive business travel insurance policy — not just to cover unexpected delays or interruptions — but also because it may have higher limits for expensive business equipment you may be traveling with compared to personal travel insurance policies.

Your Credit Card Offers It

You may not have been thinking about travel insurance when you signed up for a new credit card with a big welcome offer , however, many midtier and premium travel cards do include it as a perk.

For example, the Chase Sapphire Preferred ® Card has a trip delay benefit of up to $500 for each ticket purchased when you are delayed due to a covered hazard for more than 12 hours or require an overnight stay. The benefit includes reimbursement for reasonable additional expenses incurred during your delay, including meals, lodging, toiletries, and medication.

The Chase Sapphire Preferred card also has a trip interruption benefit of up to $10,000 per person and up to $20,000 per trip, if your trip is cut short for a covered reason.

Check out our article on the best credit cards for travel insurance coverage to compare benefits by card.

If you have extensive prepaid or nonrefundable expenses, you should definitely take a close look at trip delay and trip interruption insurance, and make sure the policy you select has sufficient coverage .

Say you’ve spent $10,000 for a cruise or $15,000 for a safari, and you’re delayed or need to leave early — you’d potentially be forfeiting a big sum of money . If that’s more money than you’re willing to lose, you shouldn’t “self-insure” in that scenario by not having coverage.

Other situations where you may especially want to have trip delay and trip interruption insurance would be if you’re traveling internationally , are concerned about the weather impacting your trip , or you have a family back home you may need to get back to on short notice. 

With international travel, typically trips are longer in duration compared to domestic travel, and you may have spent a significant amount on flights, hotels, and other nonrefundable expenses. And with weather issues, many airline policies exclude providing compensation, like a hotel room or meal vouchers, because they consider it an uncontrollable delay, so having separate coverage means you’ll be reimbursed for those expenses.

The decision to have trip delay and trip interruption insurance depends on each individual’s situation and should be evaluated on a case-by-case basis. Some primary considerations include whether your travels are domestic or international, whether you already have coverage from your credit card, and how much you have spent on prepaid or nonrefundable expenses.

It may be surprising to hear that you might not need trip delay and trip interruption insurance for every type of trip. While there are times when having them may be helpful or even essential, they’re not always necessary. Plus, you may already have a credit card that covers you as long as you use it to pay for at least a portion of your travel.

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Travel Delay Insurance: Covered Reasons Explained

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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6 Best Cancel for Any Reason Travel Insurance Options

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Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Cancel for Any Reason Travel Insurance Options.

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• Travelex Insurance Services
• Allianz Travel Insurance

Even the best travel insurance policies don't cover every "what if." "If you buy travel insurance, there are covered reasons for cancellation or interruption. If your situation doesn't fit those covered reasons, there's no coverage," explains Angela Borden, product strategist with Seven Corners .

That's why cancel for any reason coverage, or CFAR, can be a valuable add-on. With this type of policy, you can cancel your trip for any reason at all and still get a percentage of your prepaid travel expenses back (typically around 50% to 80% of what you’ve already paid; percentages vary by provider).

Read on to see the best cancel for any reason travel insurance options and the main policy details you should know about, as well as answers to common questions around this type of coverage.

• Seven Corners
• AXA Assistance USA
• IMG Travel Insurance

Can cancel trip up to 48 hours before departure

Emergency medical coverage is only $50,000

SEE FULL REVIEW »

Reimburses up to 80% of prepaid travel arrangements

Allows you to cancel trip as late as day of departure

"Cancel Anytime" coverage may not be available in every state

CFAR upgrade to Gold plan reimburses up to 75% of prepaid travel arrangements

Allows you to cancel trip as late as two days prior to departure

CFAR only available with some plans

CFAR add-on offers up to 75% reimbursement for prepaid travel costs

CFAR coverage can be purchased up to 20 days after initial trip payment

Benefit not available in all states

Get up to 75% of prepaid travel expenses back when you cancel for any reason

10-day money back guarantee if dissatisfied (prior to your trip)

Must purchase CFAR coverage within 14 days of initial trip deposit

Get back up to 75% of the full cost of nonrefundable travel expenses

CFAR coverage can be purchased within up to 20 days of the initial trip deposit

CFAR coverage does not apply if the travel supplier goes out of business or refuses to provide services

Frequently Asked Questions

Cancel for any reason insurance (also called CFAR coverage) is a type of trip cancellation insurance that lets you cancel your trip for a reason not listed as a covered reason in your plan. For example, you may decide not to travel due to an illness in your extended family or a specific financial issue you're dealing with. In either case, this time-sensitive coverage can help you get reimbursement for prepaid trip payments you have made toward airfare, hotel stays, tours and more.

CFAR coverage typically needs to be purchased within a sensitive period of time after making a trip deposit (usually ranging from 14 to 20 days after). Travelers only get back between 50% and 80% of prepaid travel expenses, depending on your policy, so this coverage won't lead to a full refund.

If you're worried how COVID-19 might affect your travel plans, you can purchase travel insurance that includes COVID-19 coverage . That said, CFAR protection can also be a good investment, particularly if you want the option to cancel based on last-minute disinclination to travel due to the coronavirus pandemic.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and she has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – in their family media business.

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The Guide to AmEx Trip Delay Insurance

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Table of Contents

What does AmEx trip delay insurance cover?

Which amex cards include trip delay insurance, who is covered by amex trip delay insurance, how to file a claim, trip delay insurance from amex recapped.

American Express only relatively recently added trip delay insurance protection to eligible cards. Before 2020, travelers might have had to make a choice between using a credit card with trip delay protections or an AmEx card that earned more points. But now, the issuer has added trip delay insurance as a benefit to some of its cards, making it a lot easier for travelers to decide to reach for their AmEx card when booking a flight.

However, this protection isn't available on all cards, and it doesn't cover all delays or travelers. Here's what you need to know about AmEx trip delay insurance.

AmEx trip delay insurance reimburses reasonable expenses, such as meals and lodging, incurred when a trip is delayed due to a covered reason. Depending on which AmEx card you carry, the maximum reimbursement is up to $500 per eligible trip and the delay must be at least six or 12 hours.

To qualify, you must use your eligible American Express card to pay for round-trip travel starting from your city of residence. Although AmEx requires "round-trip travel," you may book one-way flights and visit one or more destinations, so long as the trip ends at your home. However, you'll need to charge the entire trip to your eligible card and keep the trip length under 365 days.

Not all delays qualify. AmEx trip delay insurance only kicks in when you're delayed due to one of four reasons:

Inclement weather.

Terrorist action or hijacking.

Equipment failure by the common carrier (e.g. airline or train company).

Lost or stolen passports or travel documents.

AmEx trip delay insurance also doesn't cover delays that are made known before your trip starts — such as a flight schedule change communicated in advance. Also, it won't cover expenses paid before the trip or delays due to intentional acts by the traveler.

» Learn more: The guide to American Express travel insurance

Over 20 AmEx cards offer some form of trip delay insurance protection. The maximum reimbursement amount and minimum delay time vary depending on which AmEx card was used to book the trip.

The following premium AmEx cards offer up to $500 in reimbursement per covered trip and require at least a six-hour delay:

The Platinum Card® from American Express — including Ameriprise Financial, Schwab, Goldman Sachs and Morgan Stanley versions.

The Business Platinum Card® from American Express .

Delta SkyMiles® Reserve American Express Card .

Delta SkyMiles® Reserve Business American Express Card .

Marriott Bonvoy Brilliant® American Express® Card .

Hilton Honors American Express Aspire Card .

Terms apply.

Meanwhile, the following AmEx cards will reimburse up to $300 per covered trip for delays of 12 hours or more:

American Express® Gold Card — including the Rose Gold version.

American Express® Green Card .

Delta SkyMiles® Platinum American Express Card .

Delta SkyMiles® Platinum Business American Express Card .

American Express® Business Gold Card .

Marriott Bonvoy Bevy™ American Express® Card .

If you have multiple AmEx cards, the applicable policy is based on which card was used to purchase the trip.

Say you book a round-trip flight with an American Express® Green Card but also have a Hilton Honors American Express Aspire Card . If your trip is delayed, you'll get up to $300 in reimbursements for delays over 12 hours. You won't get better coverage just because you also hold a card with a different policy. Terms apply.

» Learn more: The best travel credit cards right now

AmEx trip delay insurance doesn't just cover the cardmember who used an eligible card to pay for the trip. AmEx coverage is extended to the cardmember's spouse or domestic partner, qualifying children and traveling companions.

AmEx defines children as those that are unmarried, dependent and younger than 19 — or under 26 and a full-time student at an accredited college or university.

Interestingly, a "traveling companion" only needs to make advanced arrangements to travel with you (or your eligible family members) on all or part of your eligible trip. That means a travel companion that travels with you on just one flight would be covered if that flight is delayed.

AmEx trip delay coverage is capped per trip — not per eligible traveler or per delay. That means you'll receive a maximum of $500 in reimbursements no matter how many eligible travelers are in your group and no matter how many delays you have on a single trip.

» Learn more: How to choose a travel credit card

When you experience a delay, the most important thing to remember is to document everything. Save all receipts, ask your carrier for a statement with the reason for the delay and keep a copy of your ticket.

Then, you'll need to go through a two-step process to file a claim for reimbursement. First, you must notify the benefit administrator of your claim within 60 days of the trip delay. You can do this by calling 844-933-0648 to begin the claims process.

Next, you'll be asked to provide proof of your loss. The benefit administrator will provide instructions on what's required when you open your claim. You may need to provide documentation like receipts, tickets and the reason for the delay. This proof must generally be filed within 180 days of your delay, although AmEx may provide an extension of up to one year.

» Learn more: How do travel insurance claims work?

AmEx trip delay insurance was only recently added to certain American Express cards. This addition makes these cards more appealing to use when booking travel. Now, cardmembers can use AmEx cards to book travel knowing that they're covered in case there's a delay due to weather, equipment failure or if their travel documents are lost or stolen.

Just keep in mind that you'll need to use an eligible card to book all travel, not all delays are covered and the reimbursements are capped per trip — not per traveler or per delay.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

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Guide to chase sapphire® travel insurance.

Planning a vacation or honeymoon can be exciting. That excitement might include the worries that something unexpected could interrupt those plans. The following overview of Chase Sapphire travel protections may make your next trip less stressful if you are a cardmember.

How does Chase Sapphire travel protection work

Certain benefits that may give you peace of mind when using your card for travel are available to Sapphire Reserve and Sapphire Preferred ® cardmembers:

• Travel and Emergency Assistance Services: If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
• Trip Delay Reimbursement: If your common carrier travel is delayed more than 12 hours (six hours for Sapphire Reserve) or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
• Trip Cancellation / Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.
• Baggage Delay Insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours by passenger carrier up to $100 a day for 5 days.
• Lost Luggage Reimbursement: If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
• Auto Rental Collision Damage Waiver: Decline the rental company's collision insurance and charge the entire rental cost to your card. For Sapphire Reserve cardmembers, coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad. Sapphire Preferred Cardmembers can be reimbursed up to the actual cash value of the vehicle, but coverage excludes certain cars, such as high value and exotic vehicles.
• Travel Accident Insurance: When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $500,000 ($1,000,000 for Sapphire Reserve).

Additional Benefits covered with Chase Sapphire Reserve travel insurance

Certain travel reimbursement, cancellation protection and emergency services are available to Chase Sapphire Reserve ® cardmembers on eligible travel booked with their credit card. Here’s some more information about the benefits offered with the card.

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.

Roadside Assistance

If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.

Emergency Medical and Dental Benefit

If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured.

If you have a Sapphire credit card, travel protection applies to plane tickets, rental cars and cruise line reservations booked using a Sapphire card or Ultimate Rewards ® points. You will be able to claim reimbursement for trip cancellations or interruptions, lost luggage, baggage that’s delayed or flight delays.

Whether it’s a long-awaited vacation or flying across the country to see family for the holidays, the Chase Sapphire family of cards offers benefits to give travelers more confidence in their plans.

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Amid threat of Air Canada pilots strike, what should you do if your flight gets cancelled?

Thousands of passengers could be stranded as early as Sunday if Air Canada doesn't reach a deal with its pilots' union.

Without a deal by Sept. 15, the airline could issue a 72-hour lockout notice, while the union may issue notice of a strike, triggering the carrier's three-day shutdown of Air Canada and Air Canada Rouge operations, according to Air Canada in a press release Monday.

Air Canada said Monday that it's finalizing contingency plans to suspend most of its operations as both parties remain far apart in talks. It projects that the three-day suspension could affect 110,000 passengers daily. Flights are operating as scheduled as negotiations continue with the Air Line Pilots Association.

"Flight delays and cancellations resulting from labour disruptions, should they occur, are unlikely to occur before mid-September," the airline wrote on its website. "If your flight is cancelled by Air Canada, you will then be eligible for a full refund regardless of your fare type; furthermore, no cancellation fees will apply."

Air Canada said it is working with other airlines to potentially accommodate stranded passengers if flights are cancelled. It said flights under the Air Canada Express carriers Jazz and PAL Airlines won't be affected by a potential strike as they are operated by third-party carriers.

The Air Line Pilots Association is pushing for unprecedented wage hikes to close the salary gap with Canadian pilots' higher-earning U.S. peers.

Here's what you can do if no settlement is reached, and labour disruptions affect your flight.

• Follow the CTV News channel on WhatsApp

New rebooking policy

Air Canada said it has implemented a new policy that allows eligible travellers to change their flight for free to another date. You must have purchased an Air Canada ticket or redeemed points for an Aeroplan flight reward by Sept. 9 for travel between Sept. 15 and 23.

You can also change your flight for free for travel between Sept. 8 and 14 and between Sept. 24 and Nov. 30.

If you don't have access to Air Canada's self-serve options because you bought your ticket with Air Canada Vacations, a travel agent or an online travel agency, you are advised to contact them directly.

If you booked through another airline's website, you should also contact the airline if you want to change flights.

If you booked through Air Canada for Business, you can change your itinerary online. For assistance, call 1-888-335-4189.

If you booked an Air Canada Vacations package, you can visit the goodwill policy page or contact Air Canada Vacations at 1-866-529-2079. The goodwill policy allows free changes to bookings if you purchased a travel package with an Air Canada flight before Sept. 9, 2024, for travel dates between Sept. 15 and 23, 2024. There are no refunds.

The goodwill policy only applies for rebooking on other flights operated by Air Canada, Air Canada Rouge and Air Canada Express (Jazz and PAL Airlines).

You can book alternate dates for flights scheduled between Sept. 9 and 14, 2024, or after Sept. 24, according to Air Canada.

Air Canada Vacations customers have the following options:

• Shift your travel dates and take a one-time $50 instant credit per passenger. That price is subject to change.
• Choose a future travel credit for the full amount, which expires in a year.
• Customers may also request a return travel date change if they're at their destination from Sept. 15 to 23. Flyers won't have to pay change fees, but may have to pay the difference. Extra charges also apply for longer stays at hotels, Air Canada added.

If you booked flights through Aeroplan rewards no later than Aug. 27 for travel between Sept. 15 and 23, you are eligible to change your flight free of charge.

• The information you need to know, sent directly to you: Download the CTV News App

Cancelling flights

You can cancel tickets and get a full refund if you bought refundable fares, with a potential cancellation fee depending on the type of ticket.

If you bought flights using Aeroplan points, you can cancel your trip without losing your points, which will be redeposited in your account.

If you bought a refundable fare, you can cancel your flight and receive the value of your ticket for use on a future Air Canada booking.

If you choose to keep your current flight and it's affected by the labour stoppage, you will be notified by email or text.

"We will work to support our customers by rebooking them with the best available options, but space will be limited," Air Canada wrote on its website.

Although wait times may be longer than normal, customers can contact Air Canada at anytime at 1-888-247-2262, and 1-800-361-5373 for those travelling on an Aeroplan flight reward.

Further rebooking options and other essential information will be updated on the FAQ section of its website.

With files from Reuters

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Health minister 'not worried' as Liberal MPs gather after tumultuous summer

Health Minister Mark Holland says he isn’t worried about Liberal electoral fortunes despite a tumultuous summer in which his party suffered a devastating byelection loss in Toronto, the party’s national campaign director resigned and the Liberal-NDP supply-and-confidence agreement collapsed.

Ford says Singh is 'just blowing smoke' and won't call early federal election

Ontario Premier Doug Ford says he thinks it’s unlikely national NDP Leader Jagmeet Singh will trigger an early federal election after he tore up the deal keeping Prime Minister Justin Trudeau in power last week.

Liberals still support policies promised in deal with NDP, health minister says

Health Minister Mark Holland says his government will still work on policies it promised to pursue under its now-defunct deal with the NDP.

Canadian Medical Association calls for more tracking of health-care funds

The Canadian Medical Association says there should be better tracking of health-care spending, following health-care agreements the federal government has signed with the provinces and territories.

Women settle lawsuits after Yale fertility nurse switched painkiller for saline

Dozens of women who say they suffered excruciating pain at a Yale University fertility clinic because a nurse stole fentanyl for her own use and replaced it with saline have settled their lawsuits against the Ivy League school.

Google faces new antitrust trial after ruling declaring search engine a monopoly

One month after a judge declared Google's search engine an illegal monopoly, the tech giant faces another antitrust lawsuit that threatens to break up the company, this time over its advertising technology.

Georgia school shooting highlights fears about classroom cellphone bans

Huddling for safety in classrooms as gunfire rang out, students at Apalachee High School texted or called their parents to let them know what was happening and send what they thought could be their final messages. One student texted her mother to say she loved her, adding, 'I'm sorry I'm not the best daughter.'

Entertainment

Juno Awards to eliminate reggae, three other categories from 2025 awards

The Juno Awards are pulling four categories from next year's ceremony as part of a wider review of Canada's biggest music awards show.

Beyonce snubbed at 2024 Country Music Awards

Morgan Wallen tops the 2024 Country Music Association award nominations with seven. Some fans speculated that Beyonce, whose landmark country-and-then-some reclamation 'Cowboy Carter' was released during the eligibility window, could receive a nomination at the 2024 CMAs. She did not.

Thousands of passengers could be stranded as early as Sunday if Air Canada doesn't reach a deal with its pilots' union. Here's what you can do if labour disruptions affect your flight.

Air Canada prepares to shut down as talks with pilots union near deadlock

Air Canada is finalizing plans to suspend most of its operations, likely beginning Sunday, as talks with the pilot union are nearing an impasse over 'inflexible' wage demands, the country's largest airline said on Monday.

Five things to know about a potential work stoppage at Air Canada

Air Canada is preparing for a potential shutdown of most operations next week as contract talks with its pilots' union near an impasse.

Givenchy names Sarah Burton, designer of Princess of Wales' wedding dress, new creative director

Givenchy has named Sarah Burton creative director for women’s and men’s collections, with immediate effect, the fashion house announced on Monday.

Resources are out there for LGBTQ2S+ travellers looking to stay safe

Do LGBTQ2S+ tourists have a green book-like system for staying safe while travelling in these politically precarious times? They don't have one. They have many.

Huge payout expected for a rare coin bought by Ohio farm family and hidden for decades

Three sisters from Ohio who inherited a dime kept in a bank vault for more than 40 years knew it had some value. But they had no idea just how much until just a few years ago.

Canada Soccer and national team players move closer to long-awaited labour deal

Canada Soccer has reached a "framework" for a long-awaited labour agreement with its men's and women's national teams.

Tyreek Hill was not 'immediately co-operative' with officers during stop, police union says

The president of South Florida's police union said Miami Dolphins player Tyreek Hill was handcuffed and placed face down on the ground during a traffic stop because he was not “immediately co-operative” with officers, while Hill said he was respectful throughout the interaction.

Police nab driver speeding at nearly 3x the limit in Vancouver school zone

Nearly two-dozen drivers were caught in a speed trap outside a Vancouver elementary school on Thursday – as students were settling back into their daily routines.

Volvo Cars revamps SUV hybrid as it shifts plans away from pure electric

Volvo Cars said on Wednesday that plug-in hybrids would continue to be a critical part of its profit growth plans over the next few years and that it would revamp its XC90 hybrid sports utility vehicle.

Ontario man told his EV needs $33K battery. Software update fixes the problem

An Ontario man said he couldn't believe an electric car he bought three years ago for $20,000 would need a new battery at a cost of more than $33,000.

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