Many travel insurance plans provide similar coverage across the board, however the coverage limits can vary, and some benefits may exist in different categories of coverage. A good example is when a traveler is delayed, they may be entitled to benefits under missed connection, travel delay and or interruption.
Missed connection is designed to protect travelers going on a cruise. If the traveler is delayed and it results in missing the cruise ship’s departure at the port of call, then missed connection coverage provides assistance for the traveler to catch up to the ship at another port. There is normally a dollar limit and required amount of time passed before the benefit is available. If a travel insurance plan does not provide missed connection coverage, then this type of situation normally falls under travel delay.
Travel delay coverage will help offset the costs associated with being unable to travel, most commonly when airlines have to delay or cancel flights. Travelers can be reimbursed for lodging, meals, local transportation and phone calls while delayed. This coverage may also have daily and policy dollar limits, as well as a required number of hours passed before coverage begins. A travel insurance plan that does not offer travel delay will most likely cover this type of delay under trip interruption.
While trip interruption most commonly means that the traveler has missed a portion of the trip, for some travel insurance plans, trip interruption also addresses these potential delays. There can be limitations and requirements with regard to money and time, however, trip interruption is calculated from trip cost. This could have a negative impact if the traveler has to interrupt the trip again after the first delay, as the money allocated for trip interruption will be less than when they began the trip.
Always refer to the certificate of insurance for details.
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