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Does Travel Insurance Cover a Missed Connection Involving Two Airlines?

A nationally recognized reporter, writer, and consumer advocate, Ed Perkins focuses on how travelers can find the best deals and avoid scams.

He is the author of "Online Travel" (2000) and "Business Travel: When It's Your Money" (2004), the first step-by-step guide specifically written for small business and self-employed professional travelers. He was also the co-author of the annual "Best Travel Deals" series from Consumers Union.

Perkins' advice for business travelers is featured on MyBusinessTravel.com , a website devoted to helping small business and self-employed professional travelers find the best value for their travel dollars.

Perkins was founding editor of Consumer Reports Travel Letter, one of the country's most influential travel publications, from which he retired in 1998. He has also written for Business Traveller magazine (London).

Perkins' travel expertise has led to frequent television appearances, including ABC's "Good Morning America" and "This Week with David Brinkley," "The CBS Evening News with Dan Rather," CNN, and numerous local TV and radio stations.

Before editing Consumer Reports Travel Letter, Perkins spent 25 years in travel research and consulting with assignments ranging from national tourism development strategies to the design of computer-based tourism models.

Born in Evanston, Illinois, Perkins lives in Ashland, Oregon with his wife.

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Despite all the technical advances, air travel remains subject to occasional sudden delays, a situation not likely to change very fast. And unless you get a single flight from your starting point to your final destination, delays of more than a few minutes can sometimes cause you to miss a connecting flight . But there are some conditions that can complicate things.

A reader once asked, for example, if it’s smart to buy the cheapest fare when it’s two separate tickets on two different airlines:

“If I buy two separate tickets, on two different airlines, and the first flight arrives too late to make my connection, would travel insurance cover the costs of re-arranging my trip?”

The short answer: It’s unlikely. While no insurance companies seem to specifically cover this kind of missed connection, some policy protections could apply. Here’s what you need to know.

The Two-Ticket Problem

Let’s say that, on a connecting itinerary, your first flight is delayed so much that you miss your connection. On a through ticket, you’d have no problem—your connecting airline would put you on the next available flight without added charge. And, depending on the circumstances, one of the airlines might even pick up the tab for meals or an overnight accommodation.

But if you have two separate tickets on two different airlines, neither airlines is responsible for the other’s delay, and therefore not responsible for rebooking you. Over the years, I’ve heard from quite a few readers who faced such a problem. Yet as the airline system continues to fragment, it’s more likely than ever to find that the lowest airfare is two separate tickets.

Unfortunately, for various reasons, several important airlines do not interline and write through tickets with any others, or they may interline with only one or two other lines. That includes airlines carrying significant numbers of travelers both in the U.S. (Southwest) and Europe (Ryanair and EasyJet), along with such smaller lines as Allegiant, Frontier, Spirit, and many, smaller European and Asian lines. If you want to connect to or from these lines, you’ll have to buy two tickets.

Nor can you count on the airline that caused the delay to help you, either. Contracts specifically say that an airline isn’t responsible for scheduled arrival or bears no financial liability for any loss you suffer because of a late arrival.

Does Insurance Help?

Travel insurance companies haven’t yet developed a standard “solution” to missed two-ticket connections. QuoteWright , a leading online travel insurance agency, confirmed as much.

Typically, travel insurance policies cover missed connections under either “interruption” or “delay.” But policies differ in their definitions and limitations on which “perils” apply. Some policies kick in only if the delay extends more than a set period, anywhere from a few hours to as much as 12 hours.

Some bundled-package policies include a separate “missed connection” benefit, but that benefit is, at best, problematic in the case of a missed two-airline connection. Many of those policies specifically limit the missed connection benefit to missed cruise departures. And dollar limits can be as low as $250. According to QuoteWright, insurance companies adopted special missed connection coverage as a way to limit liability under the broader interruption or delay coverages.

Policies that do cover airline-to-airline connections limit application to connections that adhere to the minimum “legal connection times,” an obviously meaningless concept in two-ticket connections.

All in all, as far as I can tell, missed airline-to-airline connection coverage is a coverage that the insurance industry has largely missed.

Defending Yourself

When one-ticket travel doesn’t work, you can protect yourself, at least some of the time:

• Never book separate-ticket connections with less than a three-hour connecting time. Two-ticket trips can require reclaiming and rechecking your baggage, at a minimum. At worst, you may also have to exit and re-enter security at different terminal buildings.
• Buy insurance, but buy a policy that (1) has a broad coverage of interruption, delay, or missed connections, and (2) provides a benefit high enough to pay for a replacement ticket and possibly an overnight stay at your connecting airport.
• Even though you may look at insurance options and prices through an online agency, before you buy, speak with an agent—or exchange emails with an agent—who can confirm that the insurance provides coverage for your specific itinerary.

Clearly, the added risks are sufficiently great that you shouldn’t buy a two-ticket itinerary unless the cost difference between that and a through-ticket itinerary is excessive, or unless you just can’t buy a single-ticket trip. And if you have to buy two tickets, pad your schedule accordingly.

More from SmarterTravel:

• Tight Airport Connections: What You Need to Know About Making a Connecting Flight
• The Worst Cities for an Airport Connection, If You Want to Make Your Flight
• 10 Tips for Tight Airport Connections

Editor’s note: This story was originally published in 2010. It has been updated to reflect the most up to date information.

We hand-pick everything we recommend and select items through testing and reviews. Some products are sent to us free of charge with no incentive to offer a favorable review. We offer our unbiased opinions and do not accept compensation to review products. All items are in stock and prices are accurate at the time of publication. If you buy something through our links, we may earn a commission.

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Missed Connection Benefits

In travel, unexpected events can throw even the best-laid plans off course. That is where AXA Travel Protection comes into play, offering coverage for travelers facing disruptions to their itineraries.  

Below is a breakdown of the key points to understand about this coverage 

What is Missed Connection coverage?

Missed Connection benefit offers coverage for travelers who miss their connecting flight or transportation due to an unforeseen event, such as inclement weather, mechanical issues, or other unexpected events.

Additional Transportation Expenses:  If your flight delay prevents you from catching up with your cruise or tour, an AXA Travel Protection plan can cover the expenses needed to reach your intended destination economically. 

Reasonable Expenses:  Recognizing the inconveniences you might face during the delay; AXA Travel Protection may reimburse you for reasonable expenses like meals and accommodations up to a daily limit. 

Refund for Unused Portion:  If you have made pre-paid nonrefundable payments or deposits for parts of your trip that you could not utilize due to the delay, AXA Travel Protection can provide a refund for those unused portions. 

Secondary Coverage:  It is important to note that this travel insurance coverage is secondary to any compensation you might receive from the airline. In other words, if the airline offers you compensation for the delay, that takes precedence over what AXA offers. 

Exclusions:  However, not all scenarios are covered under this policy. Specifically, individuals who could have realistically made their scheduled departures but opted to cancel their trip due to inclement weather that has not yet been deemed severe weather by the common carrier. This aims to prevent misuse of the insurance by those who had the opportunity to depart on time. 

How much coverage is provided for Missed Connections?

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Navigating Delays with Confidence: The Comprehensive Guide to Travel Insurance for Missed Connections

Embarking on a journey, whether for business or leisure, involves careful preparation for time and logistics. Despite the best-laid plans, travel disruptions, such as missed connections, can interrupt your itinerary. This is where missed connection insurance steps in as a vital component of travel coverage, offering a financial safety net and peace of mind when unexpected delays occur. When it comes to buying travel insurance, is it possible to acquire protection in case the worst happens and your flight takes off, leaving you behind? Let’s find out.

Travel insurance for missed connection is really helpful for your trip

1. What is Missed Connection Insurance?

Travel insurance for missed connection protect you in circumstances beyond your control

2. What will Travel Insurance with Missed Connection Cover?

Missed connection insurance is tailored to offer coverage that extends beyond the inconvenience of a delayed journey. Typically, this type of insurance covers additional expenses incurred due to the missed connection. These expenses may include:

2.1 Accommodation Costs

In the event of a missed connection that necessitates an overnight stay, missed connection insurance steps in to decrease the financial burden of accommodation. Whether due to unexpected delays or rescheduled flights, coverage includes the costs associated with securing a hotel stay. This ensures that travelers are not left to shoulder the unanticipated expenses of unplanned overnight stays, contributing to a seamless and stress-free continuation of their journey.

2.2 Meal Expenses

Coverage extends to reasonable meal expenses incurred during the delay or overnight stay. By including meal expenses, the insurance provides a holistic solution that considers the practical needs of individuals facing the challenges of a missed connection.

2.3 Transportation Costs

If you need to arrange alternative transportation to catch up with your itinerary, such as a new flight or ground transportation, these expenses are typically covered.

3. What Reasons Does Travel Insurance with Missed Connection Cover?

Policies may differ in this regard. Some flights and accommodation if you have to stay overnight in a hotel. Others will only cover the flight itself. Because of this, it's critical that you carefully read your policy to understand exactly what is and isn't covered. 

Travel insurance for missed connection is a safety net for medical emergencies as well as travel curriculums

3.1 What is covered?

While the exact coverage can vary between insurance policies and providers, here are common reasons for missed connections that may be covered:

• Public transport delays
• Road accidents: be advised that several insurance companies only provide coverage in the event that the collision occurs on a dual carriageway or highway
• Extreme weather, like a snowstorm, can cause your car to break down.
• Your car breaking down

3.2 What isn’t covered?

Besides, there are several types of events that are generally not covered by missed connection insurance, such as:

• Riot or insurrection
• Pregnancy and childbirth Criminal act commission or attempt
• being impaired by drugs or other substances
• Conflict, incursion, or civil war (announced or not)

4. Why is Travel Insurance for Missed Connection Important?

With the coverage mentioned above, you can see the missed connection insurance is helpful. Here are key reasons why this specialized coverage is crucial:

4.1 Financial Protection

Missed Connection Insurance acts as a financial safety net, mitigating the financial impact of unexpected delays and disruptions. It covers additional expenses, allowing you to continue your journey without a significant financial setback.

4.2 Peace of Mind

Traveling can be unpredictable, and missed connections are a reality many travelers face. Having Missed Connection Insurance provides peace of mind, knowing that you have a safety net to navigate through unexpected challenges.

Travel insurance for missed connection give you peace of mind in unforeseen curriculum 

4.3 Logistical Support

Beyond financial coverage, this type of insurance offers logistical support. It assists in arranging alternative transportation and accommodations, minimizing the disruptions to your travel plans.

4.4 Flexibility

With Missed Connection Insurance, you gain the flexibility to adapt to unexpected circumstances. Whether it's a missed flight or an unforeseen delay, you can navigate these challenges with confidence, knowing you have support in place.

5. What Should You do if You Claim a Missed Connection or Missed Flight Travel Insurance?

Making a missed flight travel insurance claim requires thorough documentation. To streamline the process, ensure you have the following:

• Original Travel Itinerary : Provide the original itinerary outlining your travel plans.
• Proof of Missed Connection: Obtain documentation from the airline confirming the missed connection, such as a letter or official statement.
• Expense Receipts: Keep receipts for additional expenses incurred due to the missed connection, including hotel bills, meal receipts, and any transportation costs.
• Detailed Explanation: Provide a comprehensive explanation of the circumstances leading to the missed connection, including any relevant details that may support your claim.

Remember to read policy carefully before buying flight change insurance insurance 

Submitting a well-documented claim enhances the likelihood of a smooth and timely reimbursement process.

If you are looking for travel insurance that covers missed connections, you can consult some plans in Travelner such as iTravelInsured Travel SE, iTravelInsured Travel LX, and iTravelInsured Travel Lite. Travelner Insurance is a global travel insurance company with diverse plans, and 24/07 professional and multilingual customer service. Here is a summary of the missed connection coverage for each plan:

• iTravelInsured Travel SE : This plan offers a maximum benefit of $500 per person for a missed connection, after an initial delay of 6 hours or more
• iTravelInsured Travel LX: This plan offers a maximum benefit of $500 per person for missed connection, after an initial delay of 3 hours or more
• iTravelInsured Travel Lite: This plan does not offer missed connection coverage

Some of these plans include missed connection coverage, which can reimburse you for additional transportation costs or unused prepaid expenses if you miss your connecting flight due to a covered reason, such as a common carrier delay, adverse weather, or a medical emergency. These plans don’t only cover missed connections, they also include much different coverage such as medical coverage, and lost luggage & personal effects,...

Travelner Insurance is a trust companion in your trip

Travel insurance for missed connection is a valuable tool in the savvy traveler's arsenal. It transforms the unexpected into manageable situations, ensuring that your journey remains a smooth and enjoyable experience. As you plan your next adventure, consider the unpredictable nature of travel, and equip yourself with the comprehensive coverage that Missed Connection Insurance provides. It's not just a safeguard against missed flights; it's your ticket to confidence in the face of unforeseen travel challenges

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What Does Travel Insurance Cover?

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Table of Contents

What is covered by travel insurance

Extras you can add to a travel insurance policy, what does travel insurance not cover, how to pick the right policy for your trip, if you want to understand travel insurance coverage.

If something goes wrong during a trip, your savings account could take a serious hit if you don’t have travel insurance. Flight cancellations, lost baggage or an accident can throw a wrench into your carefully made plans and cost a lot to rectify.

On the other hand, knowing that your trip is protected can help put your mind at ease before, during and after a vacation. But exactly what does travel insurance cover? Let’s find out.

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. Here's a closer look at each one.

Accidental death and dismemberment

Accidental death and dismemberment insurance provides coverage for death or losing a limb or eyesight as a result of an accident. Note that death from natural causes, illness or by suicide isn’t covered, so it’s not the same thing as a life insurance policy.

Baggage delay

Baggage delay insurance reimburses the cost of essentials, such as clothes, toiletries or a phone charger, that you may need to purchase if your bag is delayed. Your baggage must be delayed over a certain number of hours to receive coverage — typically the range is from six to 24 hours, depending on the policy.

Baggage loss

Insurance for baggage loss reimburses the cost of your suitcase and belongings should a checked bag become lost, stolen or damaged during a covered trip.

Emergency medical evacuation and repatriation

This benefit covers the cost associated with medical evacuation if you have a medical emergency and you can’t be treated at the facility closest to you. It will cover transport costs to another hospital or your home country, if necessary, and also includes transportation of remains.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Missed connection

A missed connection benefit covers extra expenses if a common carrier delay causes you to miss an organized tour or a cruise, for example, and you need to pay extra to catch up to it at the next port of call.

Reinstate frequent traveler awards

If you paid for a trip with airline miles or hotel points and it is subsequently canceled, this benefit will cover any fees required to redeposit your rewards back to your frequent traveler account.

Trip cancellation

Trip cancellation insurance reimburses you for prepaid nonrefundable costs if you must cancel a trip for a covered reason. Reasons that are typically covered include:

Sickness or death of a family member.

Financial insolvency.

Natural disaster.

Airline strike.

Inclement weather.

Military duty.

Stolen passport or visa.

Loss of employment.

Trip delay covers costs associated with transportation, meals or lodging should your common carrier be delayed, as well as reimbursement of any prepaid, nonrefundable expenses. Trip delay coverage takes effect after a specified period of time depending on the policy, but typically ranges from five to 12 hours.

» Learn more: What you need to know about Chase’s trip delay insurance

Trip interruption

Trip interruption insurance reimburses you for unused, nonrefundable costs in the event you must cut the trip short and return home for a covered reason, including a family member’s sickness or death, terrorism, inclement weather or a natural disaster, among others.

Travel insurance plans usually don’t include coverage for every possible thing that can go wrong, but you can add optional extras to your policy for an upcharge. Check to see if your plan has the following types of coverage, and if you think you need it, you can add it in or buy a more inclusive policy.

Cancel For Any Reason

If you change your mind and decide not to go on a trip you’ve booked, you typically can’t get reimbursed for prepaid, nonrefundable expenses — unless you purchase a cancel for any reason policy separately. Depending on the policy, you usually get a portion of your prepaid expenses back (typically 50% to 75%), but you must purchase the policy within 10 to 21 days of initial payment. Note that cancel for any reason isn’t the same as trip cancellation listed above.

Rental car collision damage waiver

If your rental car is damaged or stolen, rental car insurance will protect you from having to pay for the damage or theft. Many credit cards, such as the Chase Sapphire Preferred® Card or the Capital One Venture X Rewards Credit Card , offer rental car collision damage insurance, so check whether the cards you hold have this benefit before adding it to a policy.

Pre-existing conditions

If you need coverage for a pre-existing medical condition, you must purchase a policy within the time specified by the insurance provider to be eligible for a pre-existing conditions waiver (usually ten to 21 days). Make sure that the coverage amount you enter is equal to all prepaid, nonrefundable costs for your trip.

» Learn more: The best travel insurance companies right now

Quarantine accommodations

This coverage is often part of trip delay insurance, but some providers include it and some don’t. For example, the Safe Travels Voyager plan offered by Trawick International covers lodging expenses in case you get sick with COVID-19 and have to quarantine abroad before flying home safely.

» Learn more: Travel insurance may not cover COVID-19 — unless you upgrade

Travel insurance offers coverage for many situations, but not all. Some scenarios aren’t covered by a travel policy, including:

A named storm: Most travel plans protect you from hassles stemming from inclement weather. However, a policy needs to be purchased before a tropical storm or weather event is named. If you purchase coverage after a natural disaster has begun, it won’t be covered.

Activities performed under the influence: Drug and alcohol use are a notable exception to most travel policies. If you fall off an ATV because you drank a few alcoholic beverages or took drugs before operating a vehicle, you’re no longer covered.

Extreme sports: Some high-risk sports, such as bungee jumping, scuba diving or rock climbing, aren’t covered by a comprehensive travel insurance plan. However, you can buy a separate policy for the specific adrenaline activities you’re planning to do on your vacation from World Nomads , for example.

Fear of travel because of a pandemic or another reason: This is something that would be covered under a “cancel for any reason” add-on, but a general travel policy won’t cover fear of travel.

Medical tourism: Seeking dental work in Mexico or a hair transplant in Turkey? Keep in mind that your medical expenses for elective procedures aren’t covered by a plan with emergency medical coverage.

Pregnancy: If you want to cancel a trip because you’re pregnant, you can do so only if you purchased the plan before you became pregnant. Otherwise, it’s not a covered reason. Additionally, medical costs incurred while on a trip during pregnancy might or might not be covered (check with your insurance provider).

» Learn more: What to know before you buy travel insurance

The length of trip, your age and the destination all factor into how much a policy will cost. The coverage types and their limits also influence the price tag.

Types of coverage and limits

Take a look at the terms of each policy and determine the type of coverage you need the most. Compare the coverage details and limits with the cost. If you hold a travel credit card , familiarize yourself with its benefits as some of the trip protections might be redundant.

Single trip vs. annual plan

For frequent travelers, an annual plan offers the most bang for your buck — it costs less money versus purchasing insurance for multiple single trips. An annual policy covers long international trips as well as short domestic trips in between, so you can have peace of mind all year long. But everything isn’t always included in a multi-trip plan, the coverage limits are lower and you may not be covered for pre-existing conditions.

Individual vs. family

When shopping for a quote, include everyone traveling in your party and their ages before you submit the trip details. Note that some insurance providers include free coverage for children 21 and younger if a parent is the primary policyholder.

» Learn more: 10 best travel insurance companies

Because coverage varies among the different insurance providers and policies, make sure to read over the policy terms carefully, especially if you’re looking for a specific type or amount of coverage.

If you’re still not sure whether a specific event or activity would be covered, call the insurance company and chat with a customer service representative. It’s better to be aware of what’s covered and what isn’t before you need to (but hopefully don’t have to) file a claim.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Don’t Miss Your Flight: Understanding Travel Insurance and Missed Connections

Imagine this scenario: You’re all packed and ready for your long-awaited vacation, but you hit unexpected traffic on the way to the airport, causing you to miss your flight. Or perhaps you made it to the airport on time, but your first flight was delayed, and you missed your connection. What happens now? Will your travel insurance cover the additional expenses? This is a common concern for many travelers, and it’s crucial to understand when travel insurance does and doesn’t cover missed flights or connections.

When Does Travel Insurance Cover Missed Flights?

Travel insurance can be a lifesaver when it comes to covering expenses related to missed flights or connections, but it’s important to understand the specific circumstances under which you’ll be covered. Typically, travel insurance will cover you for missed flights and travel delays, provided it’s not your fault or the airline’s fault. Here are some common scenarios where travel insurance may provide coverage:

Motor Vehicle Accident : If you’re involved in a motor vehicle accident on your way to the airport, causing you to miss your flight, your travel insurance may cover the additional costs of catching a later flight or making alternate travel arrangements.

Natural Disasters or Severe Weather : If your flight is delayed or canceled due to natural disasters, severe weather conditions, or other events beyond your control, your travel insurance may cover the costs of rebooking or making alternate travel arrangements.

Riots, Civil Unrest, or Strikes : If your travel plans are disrupted by riots, civil unrest, or strikes that were not foreseen when you purchased your policy, your travel insurance may provide coverage for missed flights or connections.

Medical Emergencies : If you or a traveling companion experiences a medical emergency that prevents you from boarding your scheduled flight, your travel insurance may cover the costs associated with rebooking or making alternate travel arrangements.

It’s important to note that in these situations, you’ll need to provide documentation and proof of the circumstances that caused you to miss your flight or connection. This may include police reports, medical records, or letters from airline officials, depending on the specific situation.

When Travel Insurance Doesn’t Cover Missed Flights

While travel insurance can be a valuable safety net, there are certain situations where it may not provide coverage for missed flights or connections. Here are some common scenarios where you may not be covered:

Airline Delays or Cancellations : If your flight is delayed or canceled due to operational, technical, or mechanical reasons caused by the airline, your travel insurance typically won’t cover the costs of rebooking or making alternate travel arrangements. In these situations, the airline is responsible for providing compensation or making alternate arrangements.

Personal Negligence : If you miss your flight or connection due to your own negligence, such as failing to arrive at the airport on time or misreading your travel itinerary, your travel insurance is unlikely to cover the additional expenses.

Pre-existing Medical Conditions : If you miss your flight or connection due to a pre-existing medical condition that was not disclosed or covered by your travel insurance policy, you may not be eligible for coverage.

It’s essential to carefully review your travel insurance policy and understand the exclusions and limitations before your trip. Additionally, it’s always a good idea to leave ample time for travel to the airport, check-in, and security screening to minimize the risk of missing your flight due to personal negligence.

Tips for Avoiding Missed Flights and Connections

While travel insurance can provide peace of mind, it’s always better to prevent missed flights and connections in the first place. Here are some tips to help you avoid these stressful situations:

Plan Ahead : When booking your flights, allow for ample connection time between flights, especially if you’re traveling to or from a busy airport or during peak travel periods.

Monitor Flight Status : Keep an eye on your flight status and any potential delays or cancellations before leaving for the airport. This can give you time to make alternate arrangements if necessary.

Arrive Early : Aim to arrive at the airport well in advance of your scheduled departure time, taking into account potential traffic, parking, and long security lines.

Pack Light : Traveling with minimal luggage can make it easier to navigate airports and move quickly between gates if necessary.

Stay Hydrated and Rested : Being well-rested and hydrated can help you stay alert and focused during travel, reducing the risk of missing important announcements or gates.

Remember, while travel insurance can provide valuable coverage in certain situations, it’s always best to take proactive measures to avoid missed flights and connections in the first place.

Travel insurance can be a valuable safety net when it comes to covering expenses related to missed flights or connections, but it’s essential to understand the specific circumstances under which you’ll be covered. By carefully reviewing your travel insurance policy, planning ahead, and taking proactive measures to avoid missed flights, you can minimize the risk of travel disruptions and enjoy a smoother, more stress-free travel experience.

Does travel insurance cover me if I miss my flight?

Will insurance pay for missed flight?

Do you get reimbursed for missed flight?

Does travel insurance help with missed connections?

What is not covered by travel insurance?

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Does Travel Insurance Cover Missed Connections?

There are many reasons a traveler may miss a connection and a missed connection can cause big problems for a cruise traveler. If the traveler arrives too late to the port and their cruise sails without them, they’ll have to buy a new ticket and coordinate catching up to the ship in another port of call. You’ll also have to pay unexpected expenses like last-minute hotel reservations, taxi cab rides and meals you’re missing on the cruise.

With the limits on airline compensation for missed flights and given the unpredictability of weather, hurricanes, mechanical problems, messy flight plans, and more, many travelers want to know: does travel insurance cover missed connections?

It does … with some exceptions.

How travel insurance covers missed connections

Travel insurance covers missed connections by reimbursing the traveler for unexpected costs due to flight change fees, additional meals, transportation and lodging in the event you miss a flight due to bad weather, an accident, or other unexpected event.

The following are some covered events that illustrate how missed connection coverage works:

• The flights are overbooked and you’re involuntarily bumped from your flight.
• The airplane is experiencing mechanical problems and the delay causes you to miss your connecting flight.
• A tornado temporarily stopped all flights out of the airport and the afternoon’s delay made you miss your connection.
• The airline crew got in late the night before and the flight was delayed to ensure they had the required rest time in between flights.

You’ll need documentation when you make a claim, so be sure to keep track of your flight information and when something happens to cause a delay that dominoes into a missed connection, ask the gate agent for some documentation.

Tight connections don’t count!

Your travel insurance provider will want to know that you scheduled your connection with a comfortable amount of time in between flights. If you schedule a tight connection and a short delay caused you to miss the next flight, you might not be able to make a claim.

DamianTysdal

Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.

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How does travel insurance work?

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Missed connection cover

Our Missed connection option extends your travel insurance to include cover for additional expenses if you miss a connecting flight, ferry, cruise ship, train, or motor vehicle as a result of a delay to your initial international outbound transport.

Ideal for cruise, coach or rail holidays that start from an overseas location

Missed Connection cover can be useful if your cruise, coach or rail holiday starts from an overseas port or station, or you are taking more than one pre-booked flight to reach your holiday destination.

For example:

You are taking a cruise to Alaska which departs from Vancouver. Your international outbound flight from the UK to Vancouver is delayed, by 5 hours due to a mechanical breakdown, which causes you to miss the departure of your cruise.

Under our Missed Connection cover, you could claim up to £500 per person for additional transport and accommodation costs to enable you to join the ship at the next port.

Missed connection cover up to £500

You can make a claim for Missed Connection if your initial international outbound journey was delayed by more than 3 hours due to adverse weather, mechanical breakdown or technical fault, causing you to miss your connecting aircraft, watercraft, train or motor vehicle.

If you miss your connecting aircraft, watercraft, train or motor vehicle, for an insured reason, you will be able to claim up to £500 to cover costs incurred for additional transport and accommodation to enable you to join your connecting aircraft, watercraft, train or motor vehicle or to reach your final pre-booked destination.

Terms and conditions apply: The full terms and conditions of this cover are available to view when you are choosing which options to add to your policy. They will also be sent to you when you purchase cover.

Missed connection cover can be added to any of our Silver, Gold or Platinum travel insurance policies.

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Missed connection travel insurance coverage

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• Comprehensive travel insurance policies usually cover missed connections. 
• Some credit cards offer missed connection coverage as a card member perk. 
• Read the fine print of your policy and understand the specifics of coverage.

If you miss a flight connection or fail to arrive for a cruise departure on time, it can add stress and extra costs to your trip. Missed connection travel insurance helps pay for the additional cost, including hotel stays and new flights. 

The best travel insurance usually includes coverage for missed connections, but that's not always the case. It's important to read the fine print of your policy to confirm, especially because there are different stipulations about total payment amounts and when the coverage begins.

Here's what you need to know about missed connections travel insurance before your next trip. 

What is missed connection coverage?

Travel insurance coverage helps pay for unplanned costs associated with a trip, including lost baggage, travel delays, and emergency medical expenses. Missed connection coverage is another type of travel insurance coverage. It usually refers to missing connections due to circumstances outside the policy holder's control. 

Missed connection coverage is often smart if you have a flight with multiple connections or if you have to take a flight to arrive at your cruise departure. It's unnecessary if you have a nonstop flight because there's no risk of missing a connection.

See Insider's picks for the best cruise insurance policies >>

What does missed connection travel insurance cover?

Coverage usually depends on why you missed the connection. The following reasons are generally covered.

• Bad weather
• Plane mechanical failure
• Accident or road conditions en route to the airport
• Worker strike 
• Natural disaster

But it's important to read the fine print of your policy and understand your coverage. For example, your policy can include other stipulations like specified amounts of time.

If you're traveling from Texas to Paris with a layover in New York, missed connection insurance covers your flight from New York to Paris. If a one-hour delay for your first flight causes you to miss your second flight, your policy might not help. Some missed connection policies specify that delays must be at least three hours. 

Coverage limitations

The following reasons for missing a connection are not usually covered.

• Oversleeping or any other reason that is the traveler's fault
• Pregnancy or childbirth

Coverage does not usually include return travel, either. So if you're traveling home after a trip and miss a connection, your policy might not help. 

Plus, some policies are only for certain types of travel. You can buy a "cruise only" or "cruise and tour only" policy that only pays for getting to your cruise after missing a connection. 

How to get missed connection coverage

There are different ways to set up coverage for missed connections. You can get it through a comprehensive travel insurance policy, include it as an add-on, or book your trip using one of the best credit cards with travel insurance as a benefit.

Comprehensive travel insurance with missed connection coverage

Comprehensive travel insurance is a policy that includes coverage for some of the most common travel issues, including missed connections. The policies typically cover lost baggage, sickness cancellations, medical emergency care and flight delays. 

But policy details vary from provider to provider, so it's important to confirm that it includes missed connection coverage. Comparison sites like Squaremouth or TravelInsurance.com let you filter by coverage type, which can help ensure it's included.

Missed connection coverage as an add-on

If your travel insurance policy doesn't include missed connections, you can typically have it as an add-policy. To do so, connect with your insurance provider and request quotes. Make sure you understand the limitations, stipulations and any other requirements for how the coverage works. 

Credit card travel insurance coverage for missed connections

Some credit cards offer travel insurance as a benefit, and coverage might include missed connections. For example, the American Express Platinum credit card covers missed connections. 

Coverage depends on the terms of your credit card and the reason for missing the connection. Still, it's worth checking before paying for additional coverage. To qualify for coverage, you must pay for the travel expenses with your credit card. 

Missed connection coverage FAQs

What happens if an airline makes you miss your connection.

If your missed connection is the airline's fault, like overbooking or mechanical issues, the airline compensates you. But the flight usually needs to be at least one hour late. Typically, reimbursement is either double the ticket cost or $650, depending on which amount is lower. 

Can I file an insurance claim for a missed connection?

If you have travel insurance for missed connections, you can file a claim with your insurance provider. You can file a claim with your credit card company if it provides that coverage as a benefit. Airlines typically provide compensation if you miss a connection due to overbooking or mechanical issues. 

What's the difference between trip delay coverage and missed connection coverage?

Missed connection insurance protects you from costs associated with missing a connection for reasons outside your control. Trip delay insurance protects you from expenses related to airline and other travel delays. 

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Travel Insurance And Missed or delayed Flights

Have you ever had that rising feeling of desperation that you are going to miss your flight? Final boarding call. Gate Closed!...Hearing these words at an airport can ruin your day. Who is going to pay for this! Exactly who pays will depend upon who was at fault for the missed departure and whether or not you took out  comprehensive travel insurance. There is no clear-cut yes or no answer for missed flights being covered by  travel insurance , but in a nutshell, you would be covered if you missed your flight for an insured reason .  The reasons covered would be detailed in your insurer's policy wording.  However, if you miss a connecting flight because of travel delays caused by the airline, then you wouldn’t be covered. Whilst in Australia, airlines are not obligated to compensate passengers whose flights are deferred or cancelled, they are required by law to assist you in rescheduling your flight if you are bumped from an oversold flight. Terms vary by airline, but most airlines will either rebook you on their next available flight to your destination at no additional charge or provide you with a credit for future travels. Travel insurance is there to cover you for unexpected, unforeseen events, not regular travel disruptions.  So far in 2023, 22% of flights have been delayed. 

Connecting Flights On Different Airlines

Understanding when you’re covered (and when you’re not) can get a bit fuzzy when two legs of your journey are with different airlines. If your journey all the way through to your destination is with one carrier – you should be fine. If you miss your connection, the airline will make sure you get on another flight, or they will provide food and accommodation if long delays are expected. However, if you are booked on two airlines and miss your connecting flight, Housten, you could have a problem!  The second airline is not responsible for putting you on another flight just because of the first carrier’s delay. And because travel insurance does not cover missed connections caused by the airlines, you might not be covered for the cost to buy a new airline ticket.

So When Does Travel Insurance Cover For Missed Flights?

You’re covered for travel and accommodation expenses if:

• You miss your connecting flight because of a motor vehicle (or rail, bus, marine) accident you’re involved in.
• You miss your flight because of natural disasters , severe weather, hijacking, riots or civil unrest . The event must have begun after the insurance policy was issued.
• A medical practitioner notifies the insurer that you are unfit to continue with your trip. You will need this in writing and it cannot be a  pre-existing medical condition  unless this was disclosed and covered.

When You Are Not Covered?

When it comes to travel insurance, it is important to know that most policies will not cover delays that are caused by the airline. So you wouldn’t be covered for…

• Mechanical issues, delays or overbooking. The airline should provide compensation in these instances.
• You wouldn’t be covered if you missed your flight because you didn’t leave enough time to get there. This includes traffic on the way to the airport delaying your journey.
• If you are offered compensation or alternative flights by your airline and you do not take them.
• If you miss your flight for a covered event such as severe weather, but you book another flight on a higher class ticket. Your insurance will only cover the cost of the initial ticket price that you booked. So don’t go upgrading yourself too quickly!

What Do You Need To Have Ready To Claim For Missed Flights?

• Know how to claim with your insurer - read their product disclosure statement, and check the sections on cancellation and lost deposits, alternative travel expenses, and general exclusions.
• Proof proof proof. If you experience delays or cancellation of any sort you will always need written proof of the cancellation or delay from the airline.
• If you’re involved in a road traffic accident that stops you from making your flight, make sure you get evidence from the transport authority in that destination.
• If you cannot travel for health reasons, make sure you get documentation from your doctor.

5 Tips To Avoid Missing Flights

With so many fun things to do in life, most of us tend to time our arrival at airports with just enough time to get through security and walk onto the plane. Traveller be warned, it doesn’t take much to set off a domino effect of missed flights and misplaced luggage. It’s no fun running through an airport hearing “Last boarding call for Eugene Wylde”.  So here’s some words of wisdom…

• When travelling by plane, assume you’re going to be delayed by traffic, experience long check-in queues or be stopped by security for packing a python in your suitcase.
• If possible, book all flights to your destination with the same airline. That way the airline is obligated to get you on the next flight and/or put you up if long delays are expected.
• If you know you’re likely to miss a connecting flight – call the airline. They might be able to put you on a later flight and then problem is solved!
• Do your research – don’t just go with the cheapest option and have to pay later. Look for flights with better connecting times. You might find you’ll only be paying a few dollars more anyway.
• Don’t leave yourself less than 3 hours for a connecting flight - why not enjoy the stopover? Break up the journey and stay overnight rather than leave yourself no time to make the next flight.
• See if you can check your bags all the way through to your final destination, even if you’re flying with different airlines.
• If you plan to snooze at the airport, do it at your gate, so if you wake up at the last minute, you have a chance of getting on board.
• Remember that some policies will be more favourable than others when it comes to missed flights. So take a look at your policy documentation, check out travel insurance reviews  from customers, and give your insurer a call to check their cover. 

Travel Insurance  FAQs on Flight Cover

Does travel insurance cover delayed or rescheduled flights.

Typically, travel insurance will cover you for missed flights and travel delays, provided it's not your, or your airline's, fault. Many travellers wrongly assume that travel insurance covers flight delays or rescheduling due to operational, technical or mechanical reasons caused by the airline. This isn't the case. So far in 2023, 22% of flights have been delayed. It is ultimately. your airline's responsibility to provide you with the service that you have paid for. Where possible, they should get you on the next availale flight and compensate you for lengthy delays if meals and accommodation are required. Travel insurance will however cover you for missed flights and delays, as long as it's because of a reason outlined in your policy. This would usually include a motor vehicle accident, natural disasters, riots and strikes.

Am I covered to buy new connecting flights?

Travel insurance won't usually cover you if you miss your connecting flight due to a delay caused by the airline. In this case, the liability falls with the airline. In the event that you have an important special occassion such as a concert, wedding or funeral where the date cannot be moved and you have to buy new flights to reach your destination on time, there may be provision to claim on travel insurance. Special terms will apply, such as allowing plenty of time betweeen the original connecting flight booking. This is usually in the realm of 3 hours. Commonsense prevails when planning your trip. Flight delays are commonplace so it makes sense to arrive at least one day prior to any planned event.

Will I be covered if I miss my flight due to traffic?

Not usually. It is up to you to monitor the expected time to get to the airport allowing for heavy traffic. In particular you should allow plenty of time to check-in, expecting queues during peak holiday periods. You may be covered if you are involved in a car accident.

Am I covered if my flight is cancelled?

As with flight delays and rescheduling, whether or not you're covered for flight cancellations depends on the cause of the cancellation. If your flight was cancelled due to a mechanical fault, overbooking, maintenance, repairs, rescheduling, service faults, a pilot sleeping in, or the airline closing down then you are generally not covered. You've paid the airline for a service that they haven't delivered. The exception is where insurers offer alternative transport expenses or disruption of journey benefits, which help you get to a special event such as a wedding or funeral on time. This may include cover for additional meals and accommodation regardless of whether the airline was at fault. There are also of course unforseen and expected circumstances where you are cancelling your trip would be covered. Visit cancellation cover to learn more about the benefits of travel insurance when you have to cancel your trip.

Can I lodge a formal complaint against the airline?

If your flight is delayed or cancelled, the rules for compensation are generally set by the country the flight is departing from and it seems that Australian flyers are in a world of pain copmared to the USA and Europe. Airlines have been allowed to write the rules on how they operate putting the consumer at their mercy and the Australian government has taken its hands off the wheel. Under Australian fair trading laws, you have the right to make a complaint to the airline if it fails to deliver an adequate service. In the event that you have a dispute with an airline which isn't resolved to your satisfacytion, you can lodge a formal complaint with the ACCC. Visit the ACCC website to learn more.

Travel Insurance Extraordinarie At Your Service

Need some help? Use the search box below to find answers to all those tricky questions. We’ve got heaps of travel insurance tips to help you get the best policy for your upcoming holiday!

Trending Tips And Guides

Ultimate guide to travel insurance

Although you shouldn’t bank on the worst possible scenario, it’s hardly worth taking a gamble on your travels. Our travel insurance guide helps you navigate around the tricky world of travel insurance.

Pre-existing medical conditions

Having pre-existing medical conditions doesn't mean you can't get cover or that it has to be expensive. It simply means that you need to dig a little deeper when doing your research.

Pregnancy travel insurance guide

Not all insurers will cover you automatically if you’re over 22 weeks gestation or have had pregnancy complications. See which companies offer cover for pregnant women.

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Overview of Travel Insurance Coverage

What does travel insurance cover, what does credit card travel insurance cover, what travel insurance coverage do you need to pay more for, choosing the right travel insurance, what does travel insurance cover frequently asked questions, understanding what travel insurance covers.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex℠. The details for these products have not been reviewed or provided by the issuer.

• Travel insurance is intended to cover risks and financial losses associated with traveling.
• Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
• When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

• Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
• Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
• Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
• Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
• Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
• Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
• Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
• Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex, for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Travel Insurance And Missed Flights

Have you ever had that rising feeling of desperation that you are going to miss your flight?  Final boarding call.  Gate Closed!...Hearing these words at an airport can immediately transform this feeling of desperation into exasperation. Argghhh!  Someone is going to pay for this!  Exactly who pays will depend upon firstly, who was at fault for the missed departure and secondly, whether or not you took out  comprehensive travel insurance. There is no clear cut yes or no answer for missed flights being covered by  travel insurance , but in a nutshell, you would be covered if you missed your flight for an insured reason.  However, if you miss a connecting flight because of travel delays caused by the airline, then you wouldn’t be covered. It is the airlines responsibility to get you on the next flight, rather than your insurer.

Here’s Where It Gets Confusing…

Understanding when you’re covered (and when you’re not) can get a bit fuzzy when two legs of your journey are with different airlines. If your journey all the way through to your destination is with one carrier – you should be fine. If you miss your connection, the airline will make sure you get on another flight, or they will provide food and accommodation if long delays are expected. However, if you are booked on two different airlines, and you miss your connecting flight, Housten, you could have a problem!  The second airline does not have the responsibility to put you on another flight just because of the first carriers’ delay. And because travel insurance does not cover for missed connections caused by airlines, you might  not be covered for the cost to buy a new airline ticket.

So When Does Travel Insurance Cover For Missed Flights?

You’re covered for travel and accommodation expenses if:

• You miss your connecting flight because of a motor vehicle (or rail, bus, marine) accident you’re involved in.
• You miss your flight because of natural disasters, severe weather, hijacking, riots or civil unrest. The event must have begun after the insurance policy was issued.
• A medical practitioner notifies the insurer that you are unfit to continue with your trip. You will need this in writing and it cannot be a  pre-existing medical condition  unless this was disclosed and covered.

When You Are Not Covered?

When it comes to travel insurance, it is important to know that most policies will not cover delays that are caused by the airline. So you wouldn’t be covered for…

• Mechanical issues, delays or overbooking. The airline should provide compensation in these instances.
• You wouldn’t be covered if you missed your flight because you didn’t leave enough time. This includes traffic on the way to the airport delaying your journey.
• If you are offered compensation or alternative flights by your airline and you do not take them.
• If you miss your flight for a covered event such as severe weather, but you book another flight on a higher class ticket. Your insurance will only cover the cost of the initial ticket price that you booked. So don’t go upgrading yourself too quickly!

What Do You Need To Have Ready To Claim For Missed Flights?

• Proof proof proof. If you experience delays or cancellation of any sort you will always need written proof of the cancellation or delay from the airline.
• If you’re involved in a road traffic accident that stops you from making your flight, make sure you get evidence from the transport authority in that destination.
• If you cannot travel for health reasons, make sure you get a ‘note’ from your doctor.

5 Tips To Avoid Missing Flights

With so many fun things to do in life, most of us tend to time our arrival at airports with just enough time to get through security and walk onto the plane. Traveller be warned, it doesn’t take much to set off a domino effect of missed flights and misplaced luggage. It’s no fun running through an airport hearing “Last boarding call for Eugene Wylde”.  So here’s some words of wisdom…

• When travelling by plane, assume you’re going to be delayed by traffic, experience long check-in queues or be stopped by security for packing a python in your suitcase.
• If possible, book all flights to your destination with the same airline. That way the airline is obligated to get you on the next flight and/or put you up if long delays are expected.
• If you know you’re likely to miss a connecting flight – call the airline. They might be able to put you on a later flight and then problem solved!
• Do your research – don’t just go with the cheapest option and have to pay later. Look for flights with better connecting times. You might find you’ll only be paying a few dollars more anyway.
• Don’t leave yourself less than 3 hours for a connecting flight, why not enjoy the stop over? Break up the journey and stay overnight rather than leave yourself no time to make the next flight.
• See if you can check your bags all the way through to your final destination, even if you’re flying with different airlines.

If you plan to snooze at the airport, do it at your gate, so if you wake-up at the last minute, you have a chance of getting on board.Travel insurance covers for the unforseen and unavoidable. So make sure that you try your best to avoid any delays or missed connecting flights where you might need to  claim.  Remember that some policies will be more favourable than others when it comes to missed flights. So take a look at your policy documentation (or give your insurer a call) to check their cover.

Other Articles You Might Like

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Tracel insurance for missed flight connections - Air Travel Forum

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I would like to ask if anyone here knows any travel insurance that is available for any country's citizen and covers missed flihgt connections.

I'm wondering if there is any that we can buy.

13 replies to this topic

I would suspect any insurance covering self connections would have fairly rigid T&Cs so if you find a policy check carefully

Where are you based?

People cannot recommend a policy available to you if they don't know where you live.

Also - if your intended self-connection time is deemed "too short" by the insurer, they wouldn't cover it anyway.

Thank you for the reply! I'm based in Poland and my mom is based in Japan. We are both japanese citizens.

Our transit time will be 3 hours and 40 min.

If by "a self-transit in Mumbai" you mean separate ticket then no insurance company will cover that.

You will need different insurance as they need to be taken out in your country where you live. You might get more advice if you post in the Poland and Japan forums.

There is missed connection insurance BUT you most certainly do need to study the T&Cs . Self connection may be ruled out altogether or a minimum time set for the connection.

I seem to remember some people complaining about insurance they thought covered them but didn’t from some of the dodgy on line travel agents we read so much about

If you're a resident of Poland, then you should consider insurance options from there. The same for your mother in Japan.

You could consider insurance from Japan as well, however, most insurers won't offer coverage for journeys longer than 30 or so days in one trip, so that would be a problem if you live in Poland.

#8 never had a problem getting 60 day trip insurance in the UK

Many uk insurance policies state that the journey should begin an end in the country of residency or words to that effect

My annual travel policy is maximum 45 days per trip but it can be extended for an additional trip.

The one I used to have with my bank current account was 45 days but they reduced it to only 30 days and the premium to go back to what it was, doubled the annual cost, so I downgraded the current account and switched to Saga insurance.

Basic term may be 30 days on policies but not all of them and even those that do have 30 days often have alternatives for longer periods, just like some have 3 levels of cover for trip cancellation

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