Is there travel insurance for missed flights?

10/26/2012 1:42:13 PM

I have experience with this today. We were delayed because of multiple miscommunication about the taxi pickup time, and unexpected traffic problems. We did not have the opportunity to speak to the airline (who may indeed have given us a free ride home the following day). Instead, we bought new tickets to leave the same day, and attempted a claim against travel insurance.

In my case, the policy only allowed a missed flight in the event:
1. A scheduled flight, bus or train service led to the missed connection;
2. The taxi was in an accident or broke down.

Basically, events that can be documented in some way to have deviated from the expected service level. Slow traffic isn’t a missing of a service agreement, but a bus arriving late is.

3/22/2012 6:48:30 PM

Most travel insurance policies will cover delayed or missed flights, but you need to read the fine print very carefully to find out exactly what they will cover and in what situations, as it varies dramatically between policies.

Most policies will only cover instances where the missed flight was beyond your control. eg, they may cover your train breaking down and you being stuck on it for several hours, but not you simply sleeping in. In most cases the burden of proof is going to be on you to prove that missing the flight wasn’t your fault, so even if being stuck in the worst traffic jam for 10 years is a valid reason – how do you prove it?

The payout/assistance offered in such situations also varies. Some policies will only cover the price you originally paid for the ticket, which will probably be far less than it will cost for a last-minute replacement. Other policies will cover the cost of the new ticket, as well as hotels for the delay, etc.

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About me

Hello,My name is Aparna Patel,I’m a Travel Blogger and Photographer who travel the world full-time with my hubby.I like to share my travel experience.

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