Trip Delay Clause under the Travel Insurance Plan Explained

• Written by Bhawika Khushlani

  Reviewed by Rashmi Rai

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Travelling is not just about exploring destinations; it’s about thrills, experiences, and memories that remain with us for a lifetime. Imagine you are halfway around the world, and excitement is at its peak, but bam—your flight is delayed by 8 hours due to an unforeseen snowstorm. This situation can ruin all your adventures and might force you to cut some plans from your itinerary.

Next, what? You are tired and have no option but to stretch your budget for dinner and a hotel. But here’s some good news: the trip delay clause of Care Health Insurance’s international travel plan has your back.

Here are the details that’ll help turn the trip nightmare into “a minor hiccup” that can be taken care of with the travel insurance.

What is a Trip Delay Clause?

If your flight gets delayed for 4 hours or more, and you have purchased the Care Explore plan, then there is no need to stress about those extra expenses at the airport. Here's what this plan covers during a delay:

• Hotel Stay - Need to stay at a hotel?- Covered
• Local Transport - Cab rides to/from the hotel- Covered

So, if anunexpected event hits, such as a snowstorm, staff strikes, or technical trouble, Care’s trip delay cover ensures you are not left stranded and broke.

Trip Delay Coverages

If you have secured your travel plans under Explore-International travel insurance, you may claim up to $25 US for each 4-hour delay. The maximum limit goes up to 24 hours which means you can claim up to $150 under flight delay insurance.

For example:

1. Delay of 4 hrs = You get $25
2. Delay of 8 hrs = A total of $50
3. Delay of 12 hrs= A total of $75, and
4. Delay of 24 hrs = Max payout of $150

Note: The coverage only applies to weather, strikes, terrorism, etc, as per the policy’s terms and conditions. 

Delay Diaries: How Care Explore Made Claimed for the Time Wasted

Delays can be frustrating, but with the best trip delay insurance, your journey can be saved from being ruined. Here are some stories of how Care Health Insurance helped the travellers stay at ease while waiting.

Case Study 1: Ananya Stuck in Dubai

Ananya is a solo traveller and her connecting flight from Dubai to Paris was delayed by 8 hours due to a sandstorm. Due to the delay, she had to pay out of pocket for the extended meal and airport lounge.

How Care Explore Helped: Since she had the Explore International travel insurance plan, including travel delay insurance coverage, she received USD 50 as compensation for the delay, which was enough to cover her lounge access and dinner.

Ananya’s Review: Care Explore made that long wait way more bearable. 

Case Study 2: Family Trip of Arora’s 

The Arora Family planned to visit Singapore. But their budget airline postponed the flight by 9 hours due to technical issues.

How Care Explore Helped: With trip delay insurance, they got USD 50 (USD 25 for 2 delay blocks) reimbursed for each insured member, which they used to book a hotel near the airport and order food for kids.

Arora Family’s Review: Thank you, Care, for being there during this tough time.

What Flight Delay Insurance Doesn’t Cover?

• Any delay lower than 4 hours shall not be covered.
• The coverage shall not be available under certain sum insured options- therefore, you must check the plan for coverage.
• If the traveller knows about the delay 6 hours before the scheduled departure.

Case Study: Missed Claim

Meenal’s flight from Frankfurt to Delhi was delayed by 3 hours due to a technical snag. Frustrated and tired, she booked a hotel room near the airport.

What went wrong: She had the Explore international travel insurance plan but didn’t check that the travel insurance trip delay claim starts only after a 4-hour delay. Since her delay was under the threshold, her claim was rejected.

Travel Delay Vs. Trip Cancellation Vs. Trip Interruption

Trip Delay, trip cancellation and interruption are three different terms that often confuse travellers because they all deal with planned changes, but at different times. Here is a differentiating table for better understanding:

How To Claim Trip Delay Coverage?

Here are the easy steps to follow to file a claim for trip delay coverage:

Step 1: First of all, you need to inform your travel insurance provider about the trip delay and file a claim under travel delay insurance via their website, app or by whatsApp number.

Step 2: The Next step is submitting the proof of delay, such as a letter or email from the airline, a boarding pass to evaluate the time of delay, or any other official documentation declaring the delay with the reason.

Step 3: Submit all the necessary documents like policy numbers, related receipts, and bills.

Step 4: Fill the claim form with all the accurate information and submit your claim through their website or app.

Step 5: Keep following up with your insurance company until you receive the claim.

Final Thoughts

Trip delays can be frustrating, but a travel policy like Care Explore from Care Health Insurance proves that "Every cloud has a silver lining". With the right coverage, you don’t need to spend those budget-stretch expenses from your own pocket up to a limit, which makes it a wiser decision to buy the best travel delay insurance whenever travelling abroad.

Also Read: Important Things to Know About a Flight Delay Insurance

Disclaimer - All plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.