Does Travel Insurance Cover Delayed Flight?

 Basic Rights of Passengers due to Delayed Flights


Let's say that you're waiting for your flight at an EU airport. You're also flying with an EU-registered airline that arrives at an EU airport.

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If the flight is delayed for two hours, the airline is responsible for you until they get you on your flight. They are obliged to give you access to calls or emails, a snack or a meal with a drink, or overnight accommodation whenever necessary. You also have the right to seek any form of assistance when you need it. If you have out-of-pocket expenses, your travel insurance coverage may reimburse you once you make a claim.

When to Make Insurance Claim


In addition to access to communication and more refreshments, travellers are entitled to financial compensation if flights get delayed for, at least, three hours. That's according to EU laws. The compensation depends on your flight's distance and the length of delay to your arrival.


Every passenger receives €250 for a flight distance of 1,500km or less. If the flight distance is within 1,500km to 3,500km, passengers are entitled to a compensation of €400 per person. If the delay to your arrival is four hours or more with a flight distance of, at least, 3,500km, you can claim compensation of €600.


While there seems to be a rainbow after the rain, don't get your hopes up just yet. To make a successful claim, the delay MUST be the airline's fault. If the delay happens due to natural occurrences or unforeseen circumstances like protests and strikes, the chances of getting compensation are from low to none.


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