Definition: Your trip is delayed for six or more consecutive hours for a covered reason. Travel insurance can reimburse the unused part of your prepaid expenses, minus any refund you receive. Also, if delayed for a covered reason, you may reimburse reasonable expenses — up to the limit specified in the policy — for meals, accommodation and transportation. One final detail to note: while there may be an overlap in benefits with missed connection coverage, benefits may only be paid through one or the other.
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.