According to FlightStats, over 3,000 departing flights from Chicago O’Hare were delayed during the week of Janurary 5, 2014 when a polar vortex hit the Midwest and Northeast. From October 27th to November
1st, 2012, Hurricane Sandy resulted in 20,254 flights either originating in or arriving to North America to be cancelled. These are only some of the weather emergencies in the US. Add to this illness and unexpected circumstances and you have a lot of flights that have to be rescheduled.
Also, keep in mind that 60%-70% of claims are for trip interruption. More events happen during a trip than before a trip. (Travel Guard Insurance Webinar on 2-6-14)
Choose the level of insurance based upon your needs.
What is Covered
- Trip cancellation, interruption, delay, and missed connections
- When inclement weather causes cancellation or delay of all regularly scheduled airline flights for 3 or more hours at point of departure many plans will cover you. It all depends upon the plan you choose.
Also if a trip is delayed, (certain # of hours per plan), hotel, meals, and taxi fares are covered.
- Lost and stolen luggage
- Lost passports and travel documents
- Emergency cash transfer assistance
- Travel information including visa/passports
- Emergency telephone interpretation
- Up to the minute travel delay reports
- ATM Locators
Travelers can buy insurance from an airline or a cruise company. But those policies may not be as comprehensive as packages purchased directly from an insurance carrier. Also if a cruise line or carrier went out of business, the coverage they offered would also disappear. "It's best to get third-party insurance" from companies like Allianz or Travel Guard. Most travel agents also sell policies.
Whatever type of policy you buy, and wherever you buy it from, do your homework. Read the fine print and ask the provider plenty of questions about what reasons are considered acceptable for making a claim. A
flight delay might have to last a certain number of hours, for instance, for a policy to kick in.
Buyers can find other general questions to ask by clicking onto the U.S. Travel Insurance Association's website, www.ustia.org.
Travelers also should keep records, from the hotel receipt showing where they stayed when their flight was canceled, to a note from the doctor that confirms they were too sick to travel. If the airline cancels a flight because of weather, the airline will provide a statement for you. You do need to have proof of anything that you
Why you should always buy trip insurance for a cruise