Trip Delay coverage is intended to provide you with reimbursement for additional living expenses that are incurred if your trip is delayed for at least the minimum amount of time specified by your travel insurance plan and if the trip delay is caused by a covered peril.
What to expect at claim time
To be successful in your claim you will have to provide some or all of the following information:
- Proof that the travel delay was caused by one of the covered perils indicated in your plan. These covered perils may differ depending on the plan that you've purchased so check your plan details. The most common covered cause of trip delay is "common carrier delay including adverse weather conditions". If this is the cause of your delay you will have to provide proof that there was a common carrier delay for at least the specific time period. So ask for a statement from the common carrier (airline). The statement should indicate the cause of the delay and the length of the delay;
- Keep receipts for all covered expenses. Most plans will reimburse you for lodging, meals,and transportation to and from the airport and the hotel.
As with all claims, the burden of proof is on you, the insured person, so the more information you have and the closer you follow the insurance company's instructions the faster they will be able to handle you claim and the more accurate they will be able to pay you.