Does travel insurance cover flight delays and cancellations caused by bad weather?
Summary
Travel insurance may cover expenses or losses from severe-weather flight delays, cancellations, or interruptions, but coverage depends on the policy’s terms. Travelers should check delay thresholds, reimbursement limits, and covered-event definitions; airline refunds are separate from insurance benefits.Key Facts
- Trip delay coverage may reimburse reasonable expenses such as meals, lodging, and transportation while travelers wait for service to resume.
- Policies may require a delay to last a minimum amount of time before coverage applies.
- Daily or per-trip limits may cap reimbursements.
- Trip cancellation coverage may reimburse prepaid, nonrefundable costs if severe weather prevents a trip and meets the policy’s definition of a covered event.
- Trip interruption coverage may reimburse some unused prepaid costs and extra transportation expenses after travel begins.
- Under U.S. Department of Transportation rules, passengers generally qualify for a refund when an airline cancels a flight and they decline alternative transportation, travel credit, or other compensation.
- Travel insurance may cover other nonrefundable expenses, such as hotel bookings or prepaid activities, that the airline is not responsible for.
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