So you’re stuck at the airport … we’ve all been there. If your flight has been delayed or cancelled, or you’ve missed your connection, your airline should always be your first port of call. But travel insurance may be able to help in certain circumstances. Read on for more info.
In many cases, if your flight has been cancelled or you miss a connection, your airline will automatically rebook you. Before travel, download your airline’s app, and refresh the app as soon as you realize you’ve got flight issues.
If your airline has not automatically rebooked you, head to the service desk or call their customer care line. But don’t rush to buy a new flight, as neither the airline nor travel insurance are likely to reimburse you for a new flight.
Your airline is obligated to rebook you if your flight has been cancelled or you’ve been bumped from an oversold flight. Travel insurance won’t reimburse you if you’ve been bumped, so seek compensation directly from your airline. If they can’t get you on a new flight until tomorrow, ask to be rebooked on another carrier, or request meal and hotel vouchers. You must accept any reasonable alternative options offered by the airline. If you do end up making a travel insurance claim, you’ll need proof that you first sought reimbursement from your airline.
If the airline is unable to provide meal or hotel vouchers, you may be able to claim for reimbursement of out-of-pocket meal and lodging expenses under your trip delay benefit. You’ll need written confirmation from your airline that includes:
Head straight to the airline desk to get this critical information or ask a telephone agent to email you these details on the spot.
Remember to keep receipts for any out-of-pocket expenses you incur during your delay – you’ll need these to make a claim. Your trip delay benefit may cover taxi fares, lodging and meals while you’re delayed. And if your bags are delayed too, by more than 12 hours, keep receipts for the essential toiletries and a change of clothes that you’ll need until your trip resumes and you’re reunited with your bag.
If you do need to make a claim, check out our how to make a claim article for step-by-step guidance.
Travel insurance may be able to step in where your airline falls short. Here are some situations where travel insurance may be able to provide some relief.
World Nomads offers a Standard Plan and an Explorer Plan, which have different benefit limits. Read your chosen plan thoroughly to understand the benefit limits.
Traveler tip 1: You may have coverage if your flight was canceled due to an airline’s unannounced strike action. If you would like to know what you may be covered for in case a strike leaves you stuck at the airport, read our Help Centre article – Does travel insurance cover strikes?
Travel insurance isn’t designed to cover everything. Exclusions include, but are not limited to:
Traveler tip 2: if you are going to miss your flight because you’re just running late, that’s not a Covered Risk. Under World Nomads policies, if an event is not specifically listed as a Covered Risk, there is no coverage for that event. Always make sure you read your Policy Wording or Certificate of Insurance for a full description of the coverage, terms, conditions and exclusions that apply.
We know delays and cancellations are frustrating, but here are a few tips to help smooth the journey.
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions about your coverage, just ask us.
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Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.
Coronavirus (COVID-19) and travel - what you need to know
COVID-19 is a foreseen or known event. If you are purchasing a new policy, certain coverages will not apply. Please read the details here.About Coronavirus