The most annoying aspect of travelling is dealing with flight delays. However, they occur for a variety of reasons. Travellers in such situations may benefit from travel insurance from India with flight delay coverage.
Travel insurance policies that cover flight delays can come to the rescue of travellers to cover the cost of incidental expenses at the airport if the flight departure is delayed beyond the prescribed duration.
What is included?
Suppose a flight is delayed due to bad weather. In that case, the absence of essential airline crew or support staff, technical problems with the aircraft or equipment failure, air traffic congestion, operational issues like crew scheduling conflicts, or delays brought on by the cancellation or rescheduling of other flights, the travel insurance cover may make up for the expenses. *
If a claim is not honoured
If the delay is properly reported before the scheduled departure, or if an advance warning has been given about a strike, labour dispute, or the airline’s permanent withdrawal of services, a claim may not be paid. Policyholders should verify the precise terms and coverage offered by insurance companies.
How to claim
The premium for the policy determines how much of a claim there will be. Travel insurance has different types of benefits for domestic and international travel respectively. Student travel, family travel, and senior citizen travel all have different rules.
If you have travel insurance from India that covers it, you may be entitled to compensation in the event that your flight is delayed, changed, or cancelled. You may also be entitled to compensation for any difference in the price of your flight ticket when you take into account the cost of your lodging. Due to delays, if the policyholder needs to spend the night in a hotel, the insurance companies will even cover those costs.
One must, however, exercise caution when purchasing a policy and be aware of all of its coverage provisions. For the purpose of claiming the settlements, the customer can contact insurance agents via phone calls or online channels. The insurance provider and the nature of the claim will affect the turnaround time.
Monsoon-related delay in flights
The flight travel insurance may be claimed for any delays brought on by bad weather on the part of a carrier. If a flight is delayed by the monsoon rains by two hours or more, policyholders can be entitled to compensation.
Delays on international flights
An insurer provides a fixed benefit to the customer if an international flight is delayed for a longer period of time than allowed. The amount of compensation varies between insurers. Beyond flight delays, international travel insurance typically aids in preventing unforeseen events that could negatively affect a traveller’s finances. International travel insurance typically provides coverage for unexpected medical costs, lost luggage, delayed checked baggage, trip cancellation, lost passport, health issues, accidental demise, etc.
The flight travel insurance policyholder may use F&B and lodging (in the event of overnight or longer delays) and obtain reimbursement from the insurer in the event of an international flight delay. One can cancel the trip and settle the claim with his insurer if the flight route changes due to an unforeseen event.
Prior to any international travel, make sure to purchase travel insurance. The premium paid and the terms of the policy determine the claim’s amount.
Two-hour or more monsoon flight delays can be covered
For various travel arrangements, there are various policies.
You can reach insurance agents by phone or online for the purpose of settling claims. In the end, one must do their research, compare the features of different policies and read the fine print before one goes on to buy travel insurance online.
* Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.