Does travel insurance cover flight cancellations or delays?
Yes, but with conditions. Coverage typically requires a delay of 5-12 hours and the delay must be for a covered reason (weather, mechanical issues). Policies purchased after a storm is forecast will not cover that storm.
Travel delay coverage reimburses meals, hotels, and transportation after qualifying delay (typically 5-12 hours)
Daily limits usually range from $150-$200 per day, with maximums of $2,000-$3,000
"Known event" exclusion: if a storm is forecast before you buy your policy, you're not covered
Some comprehensive policies cover canceled flights up to full ticket cost, plus hotel and meals
Credit card coverage often has longer delay triggers (6-12 hours) compared to standalone policies (3-6 hours)
Does not cover delays caused by crew shortages, air traffic control, or other non-covered reasons unless specified
You may also like: Can I get a refund for a weather cancellation?
Official resource: U.S. Department of Transportation
Traveling soon? See our Travel Essentials page.
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