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Airline Delay Coverage

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On a previous trip,  we had to use two different airlines (not code shared) to get to our location. Even with planning an overnight between flights, a freak tornado warning messed up our plans causing us to have to make a lot of last minute changes.  


We had travel insurance, but all of this fell under the "travel delay"  which typically has fairly low values ($100-250/day).  We were only delayed one day, but just our flight changes alone were well over that amount.  Most airlines charge $200 per ticket just to make a change, then other added price differences, etc. Not to mention non-refundable hotel costs, food, etc. 


1) Is the travel delay coverage max per person or per policy?


2) Can you recommend a policy that will help cover air costs both as is the case above, or if we decide to change airlines and buy new tickets on a different to avoid travel delays, etc?  



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Sometimes, delays can fall under the Trip Interruption benefit (which is based on your total prepaid non-refundable trip cost that you enter) which can help reimburse for prepaid expenses you missed out on due to a covered delay.  The Trip Interruption benefit sometimes has a higher limit available than what your prepaid trip cost is to help reimburse for a last minute flight due to a covered interruption as well.  With most plans, the Trip Interruption benefit is not available unless the delay is for 24 or 48 consecutive hours and falls under one of the listed covered reasons, so if your delay is less time than that or simply not a covered reason under Trip Interruption, it can only be covered under Travel Delay because that kicks in only after 5-12 hours and is usually any delay of a common carrier rather than a list of specific covered reasons (depending on the plan).
We do work with a few providers that don't list a timeframe required for the delay under Trip Interruption, but because the plans change fairly often, I  would highly recommend calling us the next time you are looking for a quote and discussing this concern with one of our licensed representatives so you can be sure to get a plan that covers all or most of your concerns. Hope this helps -- and sorry to hear your trip got delayed last time..

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