Does travel insurance cover flight delays?

Comprehensive travel insurance typically covers canceled flights that delay your trip for at least 3–12 hours. If your flight is delayed more than 12 hours, you may even qualify for trip cancellation coverage, depending on your plan.



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Comprehensive travel insurance typically covers canceled flights that delay your trip for at least 3–12 hours. If your flight is delayed more than 12 hours, you may even qualify for trip cancellation coverage, depending on your plan.

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The amount of flight delay compensation United States travelers can claim varies. There's a maximum of $700 (excluding accommodation and food costs, which airlines may have to cover). But even short delays can incur penalties of $200 or more.

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So if your flight is delayed by 2 hours, there is no compensation. However, you can make a different claim. For example, if your flight is delayed by two hours or more, your airline must take care of you by offering you support services. These can be very different.

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You need to include each passenger's name, your flight details, the scheduled departure and arrival times, the length of the delay, and your bank account info for reimbursement. You should also be very clear about the amount you expect to receive and give the airline a specific timeframe in which to respond.

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If you arrive at your domestic destination 2+ hours later than your original arrival time, international destination 4+ hours later than your original arrival time, or if the airline does not make substitute travel arrangements for you, you will be compensated for 400% of your one-way ticket price or a $1,550 maximum.

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If your flight's delayed for 3 or more hours You're entitled to get compensation if the flight arrives more than 3 hours late and it's the airline's fault - for example, if they didn't get enough bookings or there was a technical fault.

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If a delay in your first flight is the reason you're missing your connection, don't worry too much. Usually, most airlines will rebook you on the next flight, and that too for free. Although, you might have to fly on standby depending on seat availability.

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This means that if you must cancel your trip at the last minute, or if your travel is interrupted by circumstances beyond your control, your travel insurance won't be able to reimburse you for lost trip costs. Another option for same-day departure is AllTrips Basic.

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Covered reasons for Trip Cancellation
  • Medical reasons (unforeseen ailment, injury or death in the family)
  • Inclement weather or natural disasters (tropical storms, hurricanes, etc.)
  • Terrorist attack (in or around where you're planning to visit)
  • Financial default (of a carrier)
  • Involuntary layoff or termination.


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If you would lose the money you paid for your flights, accommodations, rental car, or activities if you had to cancel or go home early, travel insurance that specifically includes trip cancellation and trip interruption is probably a good idea.

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How long can a flight be delayed before compensation? Typically at least six hours, though it varies. Joe is a former travel rewards writer for NerdWallet. He has followed aviation, travel insurance and travel rewards for several websites.

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