Travel Insurance With Trip Delay Cover
Travelling with your family and friends is truly enriching. Right from planning your trip to visiting your destination to reaching back home, it is one of the most rewarding adventures you can come across.
Just thinking about going on a trip may get you all excited. Once you decide the trip dates while considering everyone's convenience, you start with planning your trip by working out the itinerary, booking tickets and accommodation, shopping etc. Throughout the process, your excitement level is significantly high, and you eagerly wait for your trip to begin.
Trip Delay Overview
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 insurance.
International Travel Insurance - Trip Delay
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.
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.
Domestic Travel Insurance - Trip Delay
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.
- 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.
FAQs (Frequently Asked Questions)
Can I Claim For a 2-Hour Flight Delay?
2 hour flight delay is not covered under a Tata AIG travel insurance plan, as this is minimal, and you might not even have to bear any losses as such. However, if it is for more than 5 hours in case of a domestic trip and 12 hours in case of an international trip, most of the additional expenses incurred due to trip delay will be reimbursed.
What if Travel Delay is Caused Due to Loss of Passport?
If trip delay is caused due to loss of passport the insured will not be able to claim the trip delay benefit however, If you have signed up for travel insurance, Tata AIG’s Assistance Company will assist you in contacting the necessary authority for your duplicate passport and the insured would claim the loss of passport benefit from same policy subject to TnC.
For more information on Loss of passport click here For more infirmation on Tata AIG’s Assistance Company click here
In the case of International Trip Delay, Will I Be Eligible For Reimbursement of Additional Accommodation Charges Incurred?
Under Tata AIG travel insurance, you are eligible for the compensation of additional expenses you had to incur due to a trip delay, such as meals, lodging, etc., caused due to one of the covered hazards.
What If Domestic Trip Delay Was Caused for 6 Hours Due To Inclement Weather, While I Was In My Town of Residence?
Under domestic travel insurance, we provide trip delay benefits if the delay is for more than 5 hours due to one of the covered hazards, provided you are not in your town of residence. Therefore, in the case mentioned above, you will not be eligible for trip delay benefits.