Your travel insurance policy offers a wide range of benefits and scope for coverage, including medical emergencies, baggage-related contingencies and travel-related incidents. Tours and travels are often followed by unforeseen circumstances and events that one would rather avoid in the best-case scenario.

Flights are crucial to travel, whether for an international or domestic trip. Unfortunately, flights have a reputation for being delayed, cancelled or rescheduled for multiple reasons.

In this blog, we discuss travel insurance policies that offer financial coverage for flight delays, cancellations and rescheduling.

 What is Travel Insurance?

A travel insurance policy is a plan that offers financial protection against travel-related contingencies, unexpected events and multiple liabilities.

Since travels bring unpredictable incidents, protection for specific events is a non-negotiable factor. Traveller insurance policies offer specialised covers for specific events, and these events include flight delays and cancellations.

Travel Insurance Rescheduling, Delay and Cancellation Protection for Flights

●       Flight Cancellation

Your flight can get cancelled for multiple reasons, such as severe weather conditions due to hurricanes and snowstorms, airline strikes, labour strikes, mechanical breakdowns in the aeroplane, natural disasters and bad management of flight timings.

This can cost you a ton, especially if you are travelling abroad. However, with the protection of your international travel insurance, you are offered flight cancellation protection and can protect yourself from any and every expense incurred from flight cancellation. What expenses occur due to flight cancellations?

1. New flight bookings.
2. Extended stay if you are arriving from your travel.
3. Extra food expenses for an extended stay.
4. Travel expenses of going from the airport to the hotel.
5. Other miscellaneous expenses, such as necessities and other contingencies.

Your traveller insurance offers insurance cover for flights with cancellation protection. This flight cancellation protection cover will offer financial compensation and reimbursement for all the excess expenses you incurred during the travel.

●       Flight Rescheduling

Rescheduling your flight, or trip interruption, refers to a change of plans due to multiple reasons. It can happen due to medical emergencies, hospitalisation, serious injuries and illnesses, severe weather, political unrest, family emergencies and more.

When you reschedule your flights, you incur different expenses, just like with a flight cancellation scenario.

1. Alternate transport or flight bookings.
2. Present flight cancellation.
3. Alteration in hotel bookings, increasing or decreasing the stay.
4. Any expenses that follow an extended stay due to flight rescheduling.

Your international or domestic traveller insurance also offers rescheduling protection along with flight cancellation protection. This offers you a sense of security since you do not have to spend any excess money on such expenses, allowing for budget-friendly flight rescheduling.

Before you raise a claim against flight rescheduling, ensure that the policy covers your reason or event for rescheduling. Buying your travel insurance policy from a reputed and trusted insurance company like Tata AIG offers you a wide scope of coverage when it comes to flight rescheduling reasons.

●       Flight Delay

Delayed flights are a common phenomenon, especially at airports that manage a huge number of flights and passengers. Various reasons cause flight delays, such as weather conditions, air strikes or technical difficulties.

With flight delays come excess expenses. Although these expenses are usually fewer than those associated with flight cancellations and rescheduling, they are still significant. Here are a few expenses that you might incur due to a flight delay, depending on the time of delay.

1. Refreshments and meals
2. Accommodations (if the delay is more than 10-12 hours)
3. Transportation

Your traveller insurance offers flight delay protection. Sometimes, the airlines offer protection against some expenses like refreshments and meals. However, some expenses like transport and hotel stay are covered by your travel insurance policy.

 Other Benefits of Travel Insurance

1. Traveller insurance offers financial coverage for emergency medical and dental expenses incurred while travelling. This includes hospitalisation, medications and doctor fees.
2. Travel insurance offers compensation for medical and emergency evacuation and repatriation due to severe illness or injury.
3. The policy also offers coverage against delayed, displaced and lost baggage.
4. One of the best benefits of travel insurance is the 24/7 travel assistance. This is a very valuable benefit of international travel insurance.
5. The policyholder and the policyholder’s family are also offered reimbursement in case of accidental injury, disability and death.

 Ending Note

Flight timings and schedules are really vulnerable due to a number of factors. It is recommended that you secure your money and time by buying traveller insurance in time.

A travel insurance policy is a valuable investment if you do not want any excess expenses. These unexpected expenses can go above the budget by a mile. However, policy premiums are too affordable and pocket-friendly compared to them.