Definition: Your trip is delayed for six hours or more consecutive hours for a covered reason. (The length of a covered delay varies by plan.) Travel insurance can reimburse the unused part of your prepaid expenses, minus any refund you receive. If a covered delay causes you to miss the departure of your cruise or tour, your travel delay benefits can pay reasonable transportation expenses to help you rejoin your cruise/tour or reach your destination.
Also, if delayed for a covered reason, you may be reimbursed for reasonable, eligible expenses — up to the limit specified in the policy — for meals, accommodation and transportation. If your plan includes SmartBenefitsSM, you can opt to receive a fixed inconvenience payment of $100 per insured person, per day, for a covered travel delay (up to the maximum no-receipts limit). No receipts required — just proof of a covered delay. You may receive this payment automatically if your covered travel delay occurs on a flight monitored by Allianz Global Assistance. Just submit your flight itinerary online before you travel.
Example: You just had them over at the terminal café while sipping your morning joe: your wallet and passport. Were they in your pocket or did you take them out? Where did they go? At first, you’re slightly amused by the situation, but as the minutes pass, you begin to panic. You find a police officer and explain the situation. He fills out a report and you find a comfy spot in the terminal seating area and wait. And wait and wait. After waiting 10 hours to see if they turn up, you’re just about to give up. But just then, your phone rings with some good news. A custodian found your wallet and passport right where you left them: in the café trash can. You can go retrieve them from the security office, rebook your flight for the morning, and then start looking for somewhere to stay for the night. The next day you file a claim seeking reimbursement for eligible additional costs due to the delay. And then you check to make sure your wallet is in your pocket, just to make sure.