What does trip protection cover?

Most plans typically cover a range of trip protections, including accidental death and dismemberment, baggage delay or loss, emergency medical coverage and evacuation, trip cancellation, delay or interruption and more.



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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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Airlines reserve the right to waive off any applicable penalties at their discretion. If you would like to cancel your flight due to medical reasons, please contact the airline directly with a copy of your medical certificate requesting them to waive any applicable cancellation fees.

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Request food, drinks, and if necessary, free transport and hotel accommodation. If you had a canceled flight, ask for an alternative flight or a refund. Keep all receipts of any extra expenses you may have had, including necessary food, clothing, etc.

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if you suffer from or have had:
  • angina or chest pain at rest.
  • an infectious disease (e.g. chickenpox, flu), including COVID-19.
  • decompression sickness after diving (sometimes called 'the bends')
  • increased pressure in the brain (due to bleeding, injury or infection)
  • infection of your ears or sinuses.
  • recent heart attack.


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If you are too sick to fly at all or there is no other flight that day you would be rebooked for the next day. If you have to stay overnight you will have to pay for your own hotel stay, since the reason you missed your connection is your fault and not the fault of the airline.

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