Trip Delay

Imagine, while everything is going smooth and you are all-ready with your packing and leave for your trip, suddenly you come to know your trip is delayed due to flight delay or some other reason. That could really suppress all your excitement. And if the trip delay is for a considerable number of hours, all your further plans and interconnecting flights will get delayed too. And due to this delay, you might have to incur a number of additional expenses.

There can be a number of reasons for which your trip might get delayed or cancelled. This might be due to personal reasons, such as loss of passport, getting stuck on your way to departure point due to an accident or traffic, etc., or it might be due to the trip delay caused from your carrier's side.

However, you can be wary of personal issues, but you would have no control over other delays. Below are the reasons due to which your carrier may cause your trip to be delayed:

• Natural disaster or inclement weather conditions
• Unannounced strike or job action by the employees of carrier's company
• Equipment failure of the carrier

If your flight gets delayed due to any of these reasons for a couple of hours, you will have to incur expenses for meals, lodging etc., during the waiting period, despite not being at fault.

Nevertheless, if you are covered under TATA AIG's travel insurance, you need not worry about such trip delays and additional expenses, be it your international or domestic trip. We provide the maximum benefits possible if your trip delay is caused due to any of the hazards covered in the policy document. For further clarity in the context of the coverage of international and domestic trip delay benefits, read about the inclusions and exclusions of travel policy.

Under international travel insurance, we will reimburse reasonable additional expenses you had to incur due to trip delay, provided delay was for more than 12 hours and was caused due to any of the covered hazards. The amount of reimbursement is subject to the maximum amount mentioned in your policy schedule. Find below the covered hazards:

• Trip delay from common carrier's side due to Inclement Weather; or
• Trip delay caused due to a strike or other job action by carrier company's employees
• Trip delay caused due to equipment failure of a common carrier.

Also, deductibles, if any, will be considered according to your policy schedule.

Exclusions

In addition to the general exclusions mentioned in your policy schedule, we will not be liable for compensation if the trip delay was caused due to a covered hazard that was made public prior to purchasing the policy.

Under domestic travel insurance, we will reimburse reasonable additional expenses for your accommodation charges you had to incur due to trip delay, provided the trip delay was for more than 5 hours due to a covered hazard.

The benefits are subject to the maximum amount per day as mentioned in the policy schedule. However, if the delay is caused while you are in your usual town of residence, you will not be eligible for this benefit. Find below the covered hazards:

• Delay of scheduled airlines/railways due to inclement weather; or
• Trip delay caused due to a strike or other job action by the employees of scheduled airlines/scheduled railways
• Trip delay caused due to equipment failure of scheduled airlines/scheduled railways.

Exclusions

• Delay caused due to any hazard which was known to you or was made public prior to the date of booking your trip.
• Delay caused due to any law, regulation or order made or issued by the government or any public authority
• Delay caused due to strike or labour disputes, regarding which warning was issued in advance, i.e., prior to the date on which your trip was booked.
• Delay caused by the temporary or permanent withdrawal of services by the scheduled airlines on any aviation agency's or any other similar body's orders or recommendation.