Trip Delay Insurance

Flight Delay Cover with MakeMyTrip’s Travel Insurance: Don’t Let Delays Disrupt Your Travel Plans

Flight delays are far more common than we think. Bad weather, technical issues, air traffic congestion, or even missed connections can throw travel plans into chaos. Beyond inconvenience, delays often lead to additional expenses like extra meals, transport, and sometimes even last-minute hotel stays.

With MakeMyTrip’s travel insurance, you don’t need to buy a separate plan for this, as a flight delay cover comes included with every travel insurance policy, protecting you from extra costs during unexpected delays so your journey doesn't cost more than it should.

What is Flight Delay Cover in Travel Insurance?

Flight Delay Cover is a type of travel insurance coverage that offers financial compensation when your flight is delayed beyond a specified number of hours. Generally, it covers both domestic and international journeys and helps travellers manage additional expenses caused due to unavoidable delays. In addition, a trip delay coverage differs from other types of trip insurance in the following ways:

• A travel insurance with flight delay cover provides compensation only when a flight is delayed for a certain duration (e.g. 3+ hours). It typically covers costs such as meals, refreshments, and sometimes accommodation, depending on the length of the delay and policy terms.
• Trip Cancellation Insurance covers the complete cancellation of a planned journey before departure. Generally, it reimburses non-refundable costs such as flight tickets, hotel bookings, and tour packages if the trip is cancelled due to valid reasons like illness, injury, or natural disasters.
• Trip Interruption Insurance is applicable when a trip gets disrupted mid-way due to unforeseen emergencies. It offers reimbursement for unused bookings and additional expenses incurred for returning home early due to medical issues, family emergencies, or other covered events.

How Does a Travel Insurance With Flight Delay Cover Work?

Here’s a simple step-by-step guide to understanding how travel insurance flight delay cover works and what you need to do if your flight is delayed:

1. Policy Purchase
   Choose a suitable travel insurance plan that already includes flight delay coverage. Plans may vary in terms of waiting hours (e.g. delay of 3, 6, or 12 hours) and compensation amount. As a result, it’s important to check what kind of delays are covered, such as weather-related, technical issues, or operational problems.
2. Scheduled Departure
   If your flight is delayed beyond the minimum specified hours (as per the policy), you become eligible to file a claim. Make sure to note the actual time of departure and keep any official updates from the airline for reference.
3. Document Collection
   To successfully file a claim, you will require the following documents:
   • Proof of trip delay issued by the airline (mentioning delay duration and reason)
   • Flight ticket or boarding pass
   • Policy document or confirmation
   • Additional documents (if claiming reimbursement for meals, lodging, etc.), such as restaurant bills or hotel invoices
4. Claim Process
   Lastly, submit your claim either through the insurer’s online portal, email, or app. Ensure that all documents are complete and delay meets the minimum threshold required. Most providers now offer digital claim options, making it easier to initiate your travel delay insurance claim directly through their website or app, often with minimal paperwork.

Top 5 Countries where Travel Insurance with Flight Delay Cover is a Must

Flight delays can occur anywhere, but certain international hubs are more prone to disruptions due to congestion, security checks, or weather unpredictability. Here are the top five countries where travel insurance with trip delay insurance can prove especially beneficial:

1. United States
   With one of the busiest airspaces in the world, delays in the USA are common, especially at major airports like JFK, LAX, or Chicago O’Hare. Delays of 3–6 hours are not unusual due to weather or operational constraints.
2. United Kingdom
   Airports such as Heathrow and Gatwick see high international traffic on a daily basis. Flight rescheduling, strikes, and poor weather often cause last-minute delays. In such cases, having insurance helps recover costs for missed connections or extended layovers.
3. Germany
   Aviation strikes, technical inspections, and tight security procedures can often lead to delays across German airports. Moreover, travel insurance helps manage costs during unavoidable wait times, especially for connecting flights across Europe.
4. Singapore
   Despite being well-managed, Singapore’s Changi Airport experiences delays during peak seasons or airspace restrictions. At such a major layover hub, an insurance delayed flight cover can help if you're waiting long between international connections.
5. Canada
   Weather-related delays, especially during winters in Toronto or Vancouver, are fairly common. A travel insurance travel delay cover ensures you're not out of pocket due to unexpected layovers or extended delays caused by snowstorms or icy runways.

Key Features and Benefits of Travel Insurance with Flight Delay Cover

Here are some benefits of travel insurance with travel delay cover, making it a must-have for both frequent and occasional travellers:

• Coverage for Delayed Flights: Get compensated when your flight is delayed beyond a specific number of hours due to valid reasons like technical issues, poor weather, or airline operational delays.
• Domestic & International Coverage: Applicable for both short-haul domestic flights and international routes. Whether you’re flying within the country or heading abroad, the plan protects your travel investment from delays.
• Reimbursement for Essentials: Helps you recover additional costs like meals, transport, or hotel stays during long delays. Some policies may also include compensation for prepaid activities missed due to the delay.
• Missed Connection Support: Some plans cover missed onward connections due to delays in the previous leg of the journey. This is especially useful for multi-stop itineraries where delays can disrupt the entire schedule.
• Quick Claim Processing: Many insurers now offer fast or even automatic payouts upon verification of delay. A flight delay travel insurance claim can often be filed digitally via mobile apps, making the process hassle-free and time-efficient.
• 24/7 Customer Assistance: Emergency support available via helpline or app if you’re stranded due to a delay. This can also include help with rebooking flights, finding nearby accommodations, or answering queries like ‘travel insurance flight delay 3 hours.’

When comparing different plans, always look for flexible coverage, low waiting periods, and fast claims support to choose the best travel insurance for flight delays that suits your journey.

Domestic Flight Delay Cover Inclusions & Exclusions

Even for short-haul trips, travel insurance with flight delay cover ensures you're financially protected when flights don’t take off on time. Here’s what is generally covered, and not covered, under domestic flight delay insurance plans:

Inclusions:

• Compensation for flight delays beyond a pre-defined number of hours (typically 3–6 hours)
• Reimbursement for meals, refreshments, or accommodation (up to policy limit)
• Any delay arising due to cases like poor weather, airline technical faults, operational challenges, airport closures, etc.

Exclusions:

• Delays less than the minimum threshold
• Self-inflicted delays (e.g. arriving late at check-in)
• Flights missed due to visa/passport issues
• Delays not certified by the airline
• Delays caused by governmental or political disruptions (unless specifically included)
• Claims without supporting documentation

Keep a note that issues like passport delays are generally not covered unless your policy explicitly includes travel insurance passport delay cover under special clauses.

International Flight Delay Cover Inclusions & Exclusions

Trip delays during international travel can be more disruptive and costly, especially with connecting flights or long layovers. Understanding what’s typically covered and what’s not can help you avoid surprises while travelling abroad:

Inclusions:

• Compensation for delays exceeding the waiting period threshold (as per policy)
• Coverage for missed international connections due to delayed inbound flights
• Reimbursement for emergency accommodation, meals, and commute
• Airport or airline strikes, weather-related issues, and technical problems causing delays

Exclusions:

• Claims for delays under the waiting time
• Airline rescheduling is notified in advance
• Delays due to non-covered events (e.g. travel bans)
• Claims made without proper airline certification or documentation
• Delay on domestic legs of multi-country trips (unless part of covered itinerary)

How to Buy Flight Delay Insurance in India

On MakeMyTrip, flight delay cover comes already included with all travel insurance plans, making the process simple and convenient. For domestic trips, you may also find standalone flight delay cover as an option. Here’s how to purchase it:

1. Firstly, visit the official MakeMyTrip website or mobile app.
2. Then navigate to the Travel Insurance section.
3. Enter the required details, including your travel dates, destination, and age.
4. Compare multiple plan options from trusted insurance partners.
5. As per your budget and needs, choose among the best travel insurance policies that already include delayed flight coverage.
6. Lastly, make a secure online payment to complete the purchase.