Want a travel rewards credit card with flight delay insurance?
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It’s not uncommon to have a delayed flight. It could be as simple as taking a few extra minutes to land because of busy air traffic or poor weather conditions. If your flight is delayed one hour, you might think it’s not a big deal. But when the delay increases to multiple hours, it can be both tiring and costly. You may have to pay additional costs for accommodations and meals just waiting for your flight to depart. In this situation, you might benefit from having travel insurance on your rewards credit card. More specifically, flight delay insurance is there to help you with the unexpected expenses added to your trip.
Flight delay insurance provides coverage for the unexpected expenses that arise with a delayed flight. It’ll usually cover up to a fixed amount in expenses that can range from meals to accommodations.
You’re covered when your flight is delayed beyond a certain time period. You may be reimbursed for reasonable and necessary expenses including sundry items, meals and refreshments, and accommodations.
Many insurance policies also outline accepted causes for the delay. Possible causes include:
Although this is a great perk to have included, not all circumstances will be covered under your insurance plan. Here are some of the exclusions your insurance provider may outline in its policy:
If your credit card has flight delay insurance, you’re eligible to receive reimbursement for all necessary expenses including accommodations and meals. Your insurance provider will often outline that you can be reimbursed up to a maximum amount per person, per day, and per trip.
As with any insurance claim, you should notify your insurance provider as soon as possible. Some companies require you to notify them within a certain period of time. You’ll likely be asked to provide:
As with any insurance plan, read over the details outlined for flight delay insurance. You’ll want to have a thorough understanding of what coverage you can receive before finding yourself in a situation where you need to file a claim. The important thing to note with flight delay insurance is the length of time your flight must be delayed to receive coverage and what purchases are eligible for reimbursement. Also, note what your insurance provider requires for you when making a claim. Having a credit card with flight delay insurance will make your delay a little more enjoyable and a little less worrisome.
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