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Travel Insurance Travel Delay Coverages
You will find a brief summary of the Travel Delay benefits below. Please refer to the applicable policy's Certificate of Coverage or Evidence of Benefits for the complete policy wording. Here are the links to our detailed description pages where you can find the complete policy wording: Travel Guard Essential and Travel Insured Lite.
Q. What does Travel Delay cover?
A. Travel Delay is reimbursement for meals and accommodations that you might incur if your trip's departure is delayed for a covered reason.
For example, you'll be reimbursed up to the daily limit for meals and accommodations (to the policy maximum) if your departure is delayed for more than the number of hours required for a covered reason during your trip.
Q. What does Missed Connection cover?
A. Some plans cover the additional traveling expenses under a separate section called "Missed Connection". Missed Connection" provides reimbursement in the event of a missed flight connection or for the additional costs to "catch up" to a cruise or tour if the cause of delay is an accident or bad weather. I suggest you read the policy wording carefully since the phrase "Missed Connection" doesn't mean the same from company to company.
Here's What Each of Our Plans Cover:
Travel Guard Essential Basic & Essential Expanded Silver:
TRIP DELAY
The Insurer will reimburse up to $100 a day to the Maximum Limit shown on the Schedule of Benefits if the Insured’s Trip is delayed for more than 12 hours for Reasonable Additional Expenses until travel becomes possible. Incurred expenses must be accompanied by receipts. This benefit is payable for only one delay per Insured, per Trip. Trip Delay must be caused by: (a) the Insured being delayed by a traffic accident while en route to a departure; or (b) carrier-caused delay; (c) lost or stolen passports, travel documents, or money; or (d) quarantine; (e) being hijacked; (f) Unforeseen Strike; (g) Inclement Weather which prohibits Common Carrier departure; or (h) Natural Disaster that causes a complete cessation of travel services at the point of departure or Destination.
The Insured Must: Contact LiveTravel (1-800-826-8597) as soon as he/she knows his/her Trip is going to be delayed more than 12 hours. Failure to do so may affect coverage.
Travel Insured Worldwide Trip Protector Lite & Lite Expanded:
Trip Delay: The Insurer will reimburse You for covered expenses on a one time basis, up to the maximum shown on the Schedule of Coverage and Services, if You are delayed en route to or from the covered Trip for six (6) or more hours due to a covered reason. Covered expenses include Your additional transportation cost to join the Trip or return home and up to $100 per day for reasonable additional expenses incurred for meals and lodging or any prepaid, unused, non-refundable land and water accommodations. Covered reasons for Trip Delay are: Any delay of a Common Carrier (Including Inclement Weather); You or Your Traveling Companion being delayed by a traffic Accident while en route to a departure; lost or stolen passports, money, or travel documents; quarantine; hijacking, unannounced Strike, Natural Disaster.
Missed Connection: Covers missed Cruise or Trip departures which result from cancellation or delay (for three or more hours) of all regularly scheduled airline flights due to any delay of Your Common Carrier (Including inclement Weather). Maximum benefits of up to the amount shown on the Schedule of Coverage and Services are provided to cover additional transportation expenses needed for You to join the departed Cruise or Trip, reasonable accommodations, and meal expenses and non-refundable payments for the unused portion of Your Cruise or Trip. Coverage will not be provided to individuals who are able to meet their scheduled departure but cancel their Trip due to Inclement Weather.
Note: Travel delay benefits are shown as a dollar amount, but the benefits are paid as a daily maximum.
Plan Name & link to their detailed description page |
Total Travel Delay Benefit |
Daily Benefit |
# of hours to wait |
$500 |
$100 per day |
12 hours | |
$750 |
$100 per day |
12 hours | |
$500 |
$100 per day |
12 hours | |
$500 |
$100 per day |
12 hours |
 Since Jan. 2005 | ||
Easily Contact BasicTravelInsurance.com via email: steve@tripinsurancestore.com | ||
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