Travel delay cover can provide compensation for flight delays by covering meals or accommodation expenses you incur as a result of the delay. In most circumstances you will need to seek compensation from your airline first.
If your flight is cancelled, this won’t compensate you for the cost of the tickets, as your airline will normally offer you an alternate flight
Unlike most cancellation cover that excludes reasons such as change of mind, this cover doesn’t have as many restrictions. Although this policy may come at a higher price, cancel for any reason travel insurance will cover you for cancellations beyond unforeseen events.
There are a few restrictions on this type of policy. For example, you won’t be able to cancel within a certain amount of time before your departure date (usually 48-72 hours). Furthermore, cancellation cover typically only reimburses 50-75% of your holiday costs, depending on your policy and insurer.
Furthermore, it’s only available if you purchase within a certain number of days of your initial accommodation deposit or the date you purchased plane tickets (usually 10-30 days). Please note, cancel for any reason cover is not offered by most insurers.
If you need to cut your trip short because of an unforeseen event – such as a serious injury, illness or the death of a relative – this policy will cover lost deposits, pre-paid accommodation and other pre-paid travel arrangements. You may even be able to make a travel insurance claim for any additional travel expenses if you need to return home. In most cases you will need to have already paid for your return journey.
If your flight was cancelled, you can be covered if your airline company doesn’t reschedule your flight or if it cannot be rescheduled, they don’t reimburse you, or only reimburse part of your expenses. In that case, your travel insurance policy may cover you, up to the limits listed in your PDS.
For missed flights, your insurer can cover you if an unexpected event impacts your plans. If you miss your flights because you were disorganised, for example, you are unlikely to be covered. However, if you miss your flights because of the following reasons, you may be covered:
If you purchased a flight with frequent flyer points that’s cancelled and your airline doesn’t compensate you, your insurer may also cover the cost of a flight equivalent to the retail price of your missed flight. Keep in mind this may vary depending on your insurer and policy.
When submitting a travel insurance claim, it’s important to include documentation that supports your claim. Evidence might include:
Depending on the policy and level of cover in your travel insurance policy, you may be covered for a variety of losses beyond cancellation cover including:
There’ll be policy limits for everything your policy covers, which will be outlined in your PDS. We highly recommend you understand your policy’s inclusions before you take out cover.