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Travel Insurance Benefits

Travel Delay

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Definition: Your trip is delayed for three 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 and your daughter spend a long December weekend in New York City window-shopping the boutiques on Madison Avenue, seeing the Rockettes at Radio City Music Hall, and ice skating in Central Park. Then, a heavy snowstorm cancels your train home to Philadelphia, which means you’ll have to pay for another night at your hotel. That’s going to be expensive!

Fortunately, your trip delay benefits can help. Because your journey home was delayed for a covered reason, your travel insurance plan can reimburse you for the eligible expenses incurred during the delay: the extra hotel night, your dinner, and even your morning coffee and bagel.

Available in: OneTrip Cancellation Plus PlanOneTrip Basic Plan, OneTrip Prime Plan, OneTrip Premier Plan, AllTrips BasicAllTrips Prime, AllTrips Executive, and AllTrips Premier

Further Reading

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Sep 18, 2019