{"id":2152,"date":"2019-08-07T17:58:09","date_gmt":"2019-08-07T09:58:09","guid":{"rendered":"https:\/\/www.pacificprime.hk\/blog\/?p=2152"},"modified":"2019-08-07T17:58:09","modified_gmt":"2019-08-07T09:58:09","slug":"travel-insurance-cover-flight-delays-and-cancellations","status":"publish","type":"post","link":"https:\/\/www.pacificprime.hk\/blog\/travel-insurance-cover-flight-delays-and-cancellations\/","title":{"rendered":"Does travel insurance cover flight delays and cancellations?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">There were <\/span><a href=\"https:\/\/www.scmp.com\/news\/hong-kong\/politics\/article\/3021412\/hundreds-flights-cancelled-leaving-travellers-facing-chaos\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">hundreds of flight delays and cancellations<\/span><\/a><span style=\"font-weight: 400;\"> on Monday, 5th of August, at the Hong Kong International Airport due to the protests in Hong Kong. Thousands of passengers were left stranded on the site, trying to reschedule their flights, fearing the possibility of missing their connecting flights and unsure of their travel plans for hours to come. That&#8217;s when the question of whether their travel insurance cover flight delays and cancelation was on their mind a lot.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While unfortunate, and unexpected this event has been, there are ways travelers can protect themselves financially from such incidents &#8211; through adequate travel insurance that covers flight delays and cancellations. In this article, <\/span><a href=\"https:\/\/www.pacificprime.hk\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Pacific Prime Hong Kong<\/span><\/a><span style=\"font-weight: 400;\"> explains how these benefits work in travel insurance, and how to use them when you\u2019re in need.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><div class='code-block code-block-1' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.hk\/compare-quotes\/step-one\/?campSource=PPHK-Blog&utm_source=blog&utm_medium=content_banner&utm_campaign=Blog_Banner&utm_content=single\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-1644\" src=\"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2022\/12\/WP-Banner-revamp-final-20221207_1.-Single-final.jpg?resize=700%2C303&#038;ssl=1\" alt=\"Individual Health Insurance Plans\" width=\"700\" height=\"303\" data-recalc-dims=\"1\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Travel insurance flight delay and cancellation benefits\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In most cases, you won\u2019t be able to get compensation from the airline in the event of a flight cancellation caused by strike action, severe weather, or anything else the airline deems beyond its control. In turn, airlines will usually provide you with a food voucher, and accommodation if necessary, and provide you with alternative flight options.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">When are you covered?<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term\/travel-quote\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Travel insurance<\/span><\/a><span style=\"font-weight: 400;\"> policies, on the other hand, may accept the flight delay\/cancellation claim and reimburse your costs under certain circumstances. While every travel insurance plan is different \u2013 even between policies offered by the same insurance company \u2013 the covered reasons for travel delays usually include delays caused by:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Lost or stolen passports, travel documents, or travel money.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Severe weather conditions that prevent travel suppliers from departing.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Hijacking, natural disaster, terrorism, and riots and unannounced strikes are also often listed as covered events in a traveler\u2019s insurance plan.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Typical flight cancellation and delay benefits\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If any of these occur in your situation, then the travel policy can help you cover costs (usually referred to as reasonable expenses &#8211; up to the policy limit) for your hire car, meals, costs related to canceling a connecting flight, or to cover that hotel room you pre-booked, and some policies even reimburse you for buying toiletries when you\u2019re stuck in the airport.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Usually, travelers can only claim reimbursement for the above when the insured is delayed for more than a certain number of hours depending on the plan &#8211; that time varies between plans. Most travel insurance plans define a per-day maximum limit on reimbursements due to travel delays. However, as in the case with all insurance policies, it&#8217;s important to carefully read the terms and conditions of each of the travel-related benefits.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How to deal with flight cancellations due to strikes<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The recent mass sick-leave absence of air traffic controllers in the Hong Kong Airport forced the airport authorities to reduce the number of takeoffs, resulting in hundreds of flights being canceled and rescheduled. Airport staff strikes are also common in <\/span><a href=\"https:\/\/www.cntraveler.com\/story\/eu-airlines-will-now-give-you-money-for-delays-on-connecting-flights\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Europe<\/span><\/a><span style=\"font-weight: 400;\"> and other parts of the world, so in theory, it could affect travelers everywhere in the world.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The difference with strikes, as opposed to other flight disruptions like weather, is that there&#8217;s usually announcement about the planned strike in advance, allowing (at least the residents) to make alternate plans. However, if you happen to find yourself in the middle of an airport or airline strike, here\u2019s a few things you can do in that situation.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Go to your airline for information\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Be proactive in this situation, and see if your airline can rebook your canceled flight for the next available one, or if they can offer full reimbursement so you can start arranging for other forms of transport.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Review your travel insurance benefits\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">While of course, it\u2019s best to know your coverage while purchasing the <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term\/travel-quote\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">travel insurance policy<\/span><\/a><span style=\"font-weight: 400;\">, it\u2019s important to have the fine print with you or an electronic copy to view the benefits. Some travel insurance policies will cover the additional costs you have incurred by aviation strikes, but first, you must ensure that this specific benefit is included in your coverage.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Forewarned is forearmed<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you can\u2019t afford travel insurance, you can\u2019t afford to travel. Travel insurance, besides covering travel-related mishaps also covers the most important costs &#8211; the medical ones. <\/span><a href=\"https:\/\/www.pacificprime.hk\/contact-us\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Contact<\/span><\/a><span style=\"font-weight: 400;\"> our highly-trained insurance advisors today to discuss your insurance options &#8211; all obligation free &#8211; or simply <\/span><a href=\"https:\/\/www.pacificprime.hk\/health-insurance-plans\/travel\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">compare travel insurance quotes online<\/span><\/a><span style=\"font-weight: 400;\">!\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><div class='code-block code-block-6' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.hk\/compare-quotes\/step-one\/?campSource=PPHK-Blog&utm_source=blog&utm_medium=cta_banner&utm_campaign=Blog_Banner&utm_content=quote\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-1279\" src=\"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2019\/06\/HK-BANNER-Couple.jpg?resize=700%2C303&#038;ssl=1\" alt=\"Get a quote banner\" width=\"700\" height=\"303\" data-recalc-dims=\"1\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>There were hundreds of flight delays and cancellations on Monday, 5th of August, at the Hong Kong International Airport due to the protests in Hong Kong. Thousands of passengers were left stranded on the site, trying to reschedule their flights, fearing the possibility of missing their connecting flights and unsure of their travel plans for &#8230;<\/p>\n","protected":false},"author":14,"featured_media":2153,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"In the light of recent airport staff strike in Hong Kong, travelers start to wonder how their travel insurance can protect them in case of cancellation or delay of their flights?","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2},"_links_to":"","_links_to_target":""},"categories":[2],"tags":[792,1192,791,1196,1195,1194,363,1193],"class_list":["post-2152","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-ban_sin","tag-compare-travel-insurance-quotes-online","tag-cta_gen","tag-flight-cancellation-and-delay-benefits","tag-flight-cancellations","tag-flight-delays","tag-travel-insurance","tag-travel-insurance-policy"],"jetpack_publicize_connections":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does Travel Insurance Cover Flight Delays And Cancellations?<\/title>\n<meta name=\"description\" content=\"Does travel insurance cover flight delays and cancellations? 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