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Travel Insurance Plans’ Travel Delay & Missed Connection Coverages

Prior to the April 14, 2010 eruption of the Iceland Volcano Eyjafjallajokull, Travel Delay & Missed Connection coverages were straight-forward. Its periodic eruptions and resulting ash clouds that lead to airport closures & flight delays can be a learning experience for you. Hopefully, this page will help you before you need to use your trip insurance plan.

You can click here for the latest Volcano coverage info

Travel Delays & Missed Connections can come from many events, not just due to a volcano. You can have any number of Inclement Weather events as well as unexpected illnesses or injuries.

Q. How does Travel Delay work?

A. Travel Delay is reimbursement for meals and accommodations that you might incur if your trip’s departure or your return home is delayed for a covered reason (you’re still in the hospital after the cement truck incident or an unexpected ash cloud from Eyjafjallajokull cancels your flight and you have to suffer through another night in Venice.

You’ll be reimbursed up to the daily limit for meals and accommodations (to the policy maximum) if your departure is delayed for more than the number of hours required for a covered reason during your trip.

Travel Delays can turn into a trip cancellation if you are delayed at least 50% of the length of your trip’s duration. This is a bigger benefit on shorter trip lengths.

Q. How does Missed Connection work?

A. Some plans cover the additional traveling expenses under a separate section called “Missed Connection”. “Missed Connection” provides reimbursement in the event of a missed flight connection to pay the airline’s change fee costs or for the additional costs to “catch up” to a cruise or tour if the cause of delay is an accident or bad weather. I suggest you read the policy wording carefully since the phrase “Missed Connection” doesn’t mean the same from company to company.

Important: “Missed Connection” doesn’t mean the insurance will cover you in all situations. If you are going on a cruise or tour (depending on the plan) and miss its departure because you were up late partying, you will not be reimbursed.

Here’s What Each of Our Plans Cover:

Travelex Basic:

TRIP DELAY
The Company will reimburse You for Covered Expenses on a one-time basis, up to the maximum shown in the Confirmation of Coverage, if You are delayed en route to or from the Covered Trip for five (5) or more hours due to a defined Hazard.

Hazard means:
(a) any delay of a Common Carrier (including Inclement Weather);
(b) any delay by a traffic accident en route to a departure, in which You or a Traveling Companion is not directly involved;
(c) any delay due to lost or stolen passports, travel documents or money, quarantine, hijacking, unannounced strike, natural disaster, civil commotion or riot;
(d) a closed roadway causing cessation of travel to the destination of the Covered Trip (substantiated by the department of transportation, state police, etc.). Covered Expenses include:
(a) any reasonable Additional Expenses incurred;
(b) an Economy Fare from the point where You ended Your Covered Trip to a destination where You can catch up to the Covered Trip; or
(c) a one-way Economy Fare to return

The Insurer will reimburse up to $100 a day to the Maximum Limit shown on the Schedule of Benefits if the Insured’s Trip is delayed for more than 12 hours for Reasonable Additional Expenses until travel becomes possible. Incurred expenses must be accompanied by receipts. This benefit is payable for only one delay per Insured, per Trip. Trip Delay must be caused by: (a) the Insured being delayed by a traffic accident while en route to a departure; or (b) carrier-caused delay; (c) lost or stolen passports, travel documents, or money; or (d) quarantine; (e) being hijacked; (f) Unforeseen Strike; (g) Inclement Weather which prohibits Common Carrier departure; or (h) Natural Disaster that causes a complete cessation of travel services at the point of departure or Destination.

MISSED CONNECTION
This benefit covers missed Cruise departures that result from cancellation or delay (for three (3) or more hours) of all regularly scheduled airline flights due to Inclement Weather or any Common Carrier caused delay. Maximum benefits of up to the amount shown in the Confirmation of Coverage are provided to cover additional transportation expenses needed for You to join the departed Cruise, reasonable accommodation and meal expenses and nonrefundable trip payments for the unused portion of Your Cruise. Coverage is secondary to any compensation provided by a Common Carrier. Coverage will not be provided to individuals who are able to meet their scheduled departure but cancel their Cruise due to Inclement Weather.

Travel Guard Basic & Silver:

TRIP DELAY

The Insurer will reimburse up to $100 a day to the Maximum Limit shown on the Schedule of Benefits if the Insured’s Trip is delayed for more than 12 hours for Reasonable Additional Expenses until travel becomes possible. Incurred expenses must be accompanied by receipts. This benefit is payable for only one delay per Insured, per Trip. Trip Delay must be caused by: (a) the Insured being delayed by a traffic accident while en route to a departure; or (b) carrier-caused delay; (c) lost or stolen passports, travel documents, or money; or (d) quarantine; (e) being hijacked; (f) Unforeseen Strike; (g) Inclement Weather which prohibits Common Carrier departure; or (h) Natural Disaster that causes a complete cessation of travel services at the point of departure or Destination.

The Insured Must: Contact LiveTravel (1-800-826-8597) as soon as he/she knows his/her Trip is going to be delayed more than 12 hours. Failure to do so may affect coverage.

Travel Insured Worldwide Trip Protector Lite & Lite Expanded:

Trip Delay: The Insurer will reimburse You for covered expenses on a one time basis, up to the maximum shown on the Schedule of Coverage and Services, if You are delayed en route to or from the covered Trip for six (6) or more hours due to a covered reason. Covered expenses include Your additional transportation cost to join the Trip or return home and up to $100 per day for reasonable additional expenses incurred for meals and lodging or any prepaid, unused, non-refundable land and water accommodations. Covered reasons for Trip Delay are: Any delay of a Common Carrier (Including Inclement Weather); You or Your Traveling Companion being delayed by a traffic Accident while en route to a departure; lost or stolen passports, money, or travel documents; quarantine; hijacking, unannounced Strike, Natural Disaster.

Missed Connection: Covers missed Cruise or Trip departures which result from cancellation or delay (for three or more hours) of all regularly scheduled airline flights due to any delay of Your Common Carrier (Including inclement Weather). Maximum benefits of up to the amount shown on the Schedule of Coverage and Services are provided to cover additional transportation expenses needed for You to join the departed Cruise or Trip, reasonable accommodations, and meal expenses and non-refundable payments for the unused portion of Your Cruise or Trip. Coverage will not be provided to individuals who are able to meet their scheduled departure but cancel their Trip due to Inclement Weather.

Note: Travel delay benefits are shown as a dollar amount, but the benefits are paid as a daily maximum.

Plan Name & link to their detailed description page Total Travel Delay Benefit Daily Benefit # of hours to wait
Global Alert Essentials $500 $100 per day 5 hours
Travelex Basic $500 $100 per day 5 hours
Travel Guard Basic $500 $100 per day 12 hours
Travel Guard Silver $750 $100 per day 12 hours
Travel Insured Trip Protector Lite $500 $100 per day 12 hours
Travel Insured Trip Protector Lite Expanded $500 $100 per day 12 hours

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