Credit Card Trip Delay/Interruption Insurance
two separate questions:
1) My original flight was Dec 1st A->B->C. Assuming the airline cancelled the flight today (Nov 5th) under a covered reason, and changed me to Dec 3rd A->B, Dec 4th B->C, thus causing a delay, would a typical credit card trip delay/interruption insurance cover my hotel/meal at B on Dec 3?
2) Airline's reason given to me was "COVID19", does this fall under "delay of the flight was the result of strike by airline personnel, quarantine, civil commotion, hijack, natural disaster, inclement weather, mechanical breakdown or denied boarding due to overbooking"
Best Answer
would a typical credit card trip delay/interruption insurance cover my hotel/meal at B on Dec 3?
Impossible to say without reading the terms and conditions and specifically the exlusions of your specific insurance. They are all different, complicated and often full of loop holes that help the insurance to avoid paying claims. I'm guessing that the insurance will say that's this is the airlines responsibility and so they are not on the hook. "Finger pointing" is popular game that insurances like to play.
does this fall under .... ?
Again hard to say. The airline will certainly claim it's outside of their control and Covid has bee repeatedly accepted as "extraordinary circumstances" but to what extent that's a valid excuse will be ultimately be decided by the courts.
You do NOT need to accept the new schedule. You can simply cancel and get a full refund. However, if you do accept, the insurance is unlikely to pay since you booked this new itinerary "as is" and as long a it gets delivered as booked, it's hard to make an insurance case.
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Under what circumstances does trip cancellation interruption insurance kick in?
If you miss a portion of your trip due to a covered reason, you can use trip interruption benefits to get reimbursed for any unused, prepaid, nonrefundable trip expenses, such as hotel nights or excursion bookings.What does trip interruption coverage mean?
What does trip interruption insurance cover? A trip interruption occurs when a traveler must unexpectedly cut short his or her trip and return home. Additionally, interruption can cause you to stay at your destination longer than originally planned (not always a bad thing, right?)What is the difference between trip cancellation and trip interruption insurance?
Trip cancellation kicks in if certain medical or non-medical events occur before you leave home, so you're reimbursed on all or some costs, depending on your coverage. Trip interruption reimburses you if a similar set of events occur after you leave home and during your trip and you're forced to return home.What is covered trip cancellation and interruption?
In case of a covered reason you are required to return home, Trip Interruption Insurance will reimburse you for the lost portion of your trip, as well as any additional expenses for a last-minute flight home. Trip Cancellation and Trip Interruption Insurance are often sold together as a bundle.Credit Card Travel Insurance, How to Claim, My Experience
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