If you’ve recently purchased a new travel insurance policy, you might be wondering, “Does Travel Insurance Cover Delayed Flight?” The answer to this question depends on your specific plan. Your travel insurance plan may cover you for pre-paid expenses or any costs incurred due to a delay. But to qualify for the benefit, the delay must last at least the time period outlined in the plan and must occur due to a covered reason.

Cancel for any reason coverage is available

Cancel for any reason coverage provides the most flexibility for travelers in case their trip is delayed or cancelled for any other reason, including fear of traveling. When purchasing travel insurance, look for coverage options that include this benefit. Cancel for any reason coverage is often an add-on benefit and is available only for certain comprehensive travel plans. It will reimburse travelers up to 75% of the cost of their trip. You can find more information on this coverage by reviewing the coverage details.

Trip delay coverage is available

Travel insurance plans usually include trip delay coverage. This coverage provides benefits for specified delays, such as hotel stays and extra food. Some plans will also pay for services to meet your travel group’s needs. The following are examples of the types of coverage you can get. Keeping in mind that the amount of coverage will vary from one policy to the next, it is important to know the specifics of your coverage. To make sure you’re getting the right coverage for your trip, follow these tips:


When looking for travel insurance, consider delayed flight exclusions. Travel delay coverage typically covers the cost of any extra meals and accommodations incurred due to a delay. Some policies even cover additional services, such as meeting your travel group when a delayed flight is due to a covered cause. Read these exclusions carefully before purchasing your travel insurance policy. Exclusions to travel insurance coverage for delayed flights vary widely from plan to plan.


While the process to file for a delayed flight claim varies between U.S. and European flights, you should gather all necessary documentation to make your case. Keep your boarding pass and receipts from any additional expenses you incur. If you are unable to gather the documentation needed to prove your claim, contact your credit card company for assistance. In most cases, your carrier will reimburse you for the additional expenses. If you do not have the required documentation, you can submit your claim via email.

Cost of coverage

If your flight is delayed for more than three hours, your travel insurance plan might cover the cost of your hotel or meals. If the delay is less than three hours, however, your travel insurance might not pay out for the expenses. You must allow enough time for the delays before purchasing a plan, so you’ll want to carefully review the description of the coverage to make sure it’s right for you. Generally, delayed flights are covered up to the maximum benefit level, so if you’re not sure, it’s best to consult the fine print.