The most frustrating aspect of travelling is dealing with flight delays. However, they occur for a variety of reasons. DGCA data shows more than four lakh travellers experienced flight delays between January and May 2022. Travellers in such situations may benefit from travel insurance with flight delay coverage.
What Is Included?
An insurer compensates customers for flight delays caused by weather, crew absence, aircraft issues, traffic congestion, scheduling conflicts, or other flight cancellations or rescheduling.
What Transpires To A Policy After The Passing Of An Insured Party?
When A Claim Is Not Honoured
If a delay is reported before scheduled departure or early warnings of strikes, labor disputes, or airline cessation, a claim may not be paid.
How To Claim
The premium for the coverage determines how much of a claim there will be. Travel insurance has different types of benefits for domestic and international travel respectively. Student, family, and senior citizen travel have different rules.
If your travel insurance covers it, you may be entitled to compensation if your flight is delayed, changed, or cancelled. You may also be entitled to compensation for any difference in the price of your flight ticket when you consider the cost of your lodging if you avail of flight ticket insurance.
Monsoon Flight Delays
The insurance might pay for any delays brought on by bad weather on the part of a carrier. Flight delays make the policyholders eligible for compensation if there is a delay of two hours or more due to the monsoon rains.
Delays On International Flights
Insurance provides a fixed benefit to the customer if an overseas flight is delayed longer than allowed. The amount of the payout differs between insurers. Beyond airline delays, international travel insurance typically aids in preventing unforeseen incidents that could negatively affect a traveller’s finances. International travel and trip cancellation insurance cover unexpected medical expenses, lost luggage, delayed checked baggage, trip cancellation, lost passport, health concerns, and accidental death.
The policyholder may use F&B and lodging (in the event of overnight or longer delays) and obtain reimbursement from the insurer in the event of an international flight delay.
Important Points
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- Before any international vacation, make sure to purchase travel insurance.
- The premium paid and the terms of the policy determine the claim’s amount.
- Two-hour or longer monsoon flight delays are covered
- For various travel arrangements, there are varied policies.
- You can reach insurance agents by phone or online to settle claims.
A travel insurance premium calculator is a convenient tool you can utilise online to check the coverage needed based on your requirements.
Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.