Definition: You miss your connecting flight or cruise for a covered reason. Travel insurance can reimburse you for the unused part of your prepaid expenses if you miss at least 24 hours of your trip, minus any refunds. Insurance may also reimburse you for reasonable meal, accommodation and transportation expenses — see your plan’s letter of confirmation for limits — related to your missed connection or to get you back to your original destination (or a point where you can continue your trip.) (Note: Covered reasons include being delayed by a traffic accident or severe weather en route to your connection or cruise, as well as the cancellation or delay of at least three hours for one of your flights. You must have allowed enough time in your itinerary to reach your flight or cruise and show you weren’t able to reach your connecting flight or cruise another way to be eligible for reimbursement.)
Example: You touch down in Ronald Reagan Washington (D.C.) National Airport with a six-hour layover until your connecting flight to Cleveland takes off. But that lengthy layover was by design. Being smack dab in the middle of history, you decided to take an Uber out to the National Mall for a nice walk and to swing by the National Museum of Natural History. You catch a return Uber with plenty of time to catch your connecting flight, but something is wrong. You’re stuck on I-395 and see a wall of cars. Your driver and a quick check of traffic reports confirm the same thing: an accident has shut down all traffic lanes. If you weren’t on the highway, you’d end the Uber ride and make a sprint for a Metro stop. But you’re stuck, and as the hours pass, you’ve accepted that you’ll miss your connection. You call the airline and learn they can’t rebook you until tomorrow night. Then you start thinking about those baseball tickets you already bought for tonight’s Indians baseball game, and as you hear your stomach grumble, your attention turns to the meal you’ll need to buy and the hotel room you’ll need to book. The losses and costs are mounting. Well, it’s a good thing you have travel insurance.
The OneTrip Emergency Medical Plan is underwritten by Nationwide Mutual Insurance Company and Affiliated Companies, Columbus, Ohio.