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Trip Delay Insurance Explained

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Table of Contents

What is trip delay insurance?

What does trip delay insurance cover, trip delay insurance via credit card, trip delay coverage via travel insurance, trip delay insurance recapped.

Despite what many travelers may believe, there is no federal law in the U.S. requiring airlines to provide passengers with compensation for a delayed flight. Even if an airline’s policy is to provide meals or lodging, it will rarely do so if the delay is due to weather or another factor it considers beyond its control.

Fortunately, many premium credit cards and travel insurance providers offer trip delay insurance, which can cover expenses like overnight accommodation and meals if your flight is significantly delayed.

Here's how trip delay insurance works and where you can get it.

Trip delay insurance is protection against additional expenses you incur when your travel booked on a common carrier is delayed. Common carriers include airlines, ferry operators, passenger railroads and long-distance bus service.

However, not every delay is eligible for coverage under trip delay insurance. The policy’s terms will specify the length of the delay required before coverage kicks in, but many policies require a minimum delay of six to 12 hours — or an overnight stay.

Trip delay insurance offered by credit cards is generally considered secondary to other coverage you might receive, meaning that if your airline provides you with a hotel room or meals, you wouldn't be able to claim those things under your credit card’s trip delay insurance.

» Learn more: How do travel insurance claims work?

Trip delay insurance policies differ, but typically they cover reimbursement for necessary expenses incurred due to a travel delay. Unlike airlines’ policies which cover delays under their control only, trip delay insurance also covers delays due to weather or other unforeseen events. Coverage is typically limited to a specific dollar amount per day or per trip.

Purchases that are often covered under trip delay insurance include:

Medication.

Toiletries.

Transportation to and from your hotel.

Other personal use items.

» Learn more: The best credit cards for travel insurance benefits

Many travelers already have trip delay insurance and don’t even know it. Check your credit card’s benefits to see if you’re already covered. Here are the policies and limits for those who hold certain American Express or Chase travel cards .

American Express

American Express offers trip delay insurance with most of its premium cards, including Centurion cards, Platinum cards, Gold cards and its high-tier co-branded hotel and airline credit cards. Here are some American Express travel cards that include trip delay insurance:

The Platinum Card® from American Express .

American Express® Gold Card .

American Express® Green Card .

Delta SkyMiles® Reserve American Express Card .

Delta SkyMiles® Platinum American Express Card .

Marriott Bonvoy Brilliant® American Express® Card .

Hilton Honors American Express Aspire Card .

Terms apply.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit Travel and Retail American Express Card Benefits | Amex for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

American Express also includes trip delay protection on small-business, co-branded and corporate varieties of the above cards.

To be eligible for coverage, you must do the following:

Pay for your travel with your eligible American Express card.

Book a trip that starts and ends in the same city and is no longer than 365 days.

If you use points, certificates or vouchers, the cash component of the ticket must be paid for using your eligible card.

AmEx trip delay insurance also provides coverage for the cardholder’s family members and traveling companions when their travel is also booked using the cardholder’s eligible American Express card.

Coverage kicks in when your trip is delayed more than six hours. Eligible reimbursements include meals, lodging, toiletries, medication and other personal use items.

Chase offers trip delay reimbursement on its premium Sapphire credit cards and several of its high-tier co-branded credit cards.

Here is the list of travel cards offered by Chase that include trip delay insurance.

on Chase's website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 12 hours.

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

• Baggage delay: Up to $100 per day for three days.

Additional Chase cards with trip delay insurance include:

Marriott Bonvoy Boundless® Credit Card .

United Club℠ Business Card .

United Club℠ Infinite Card .

World of Hyatt Credit Card .

To be eligible for coverage, you must purchase your common carrier tickets with an eligible Chase card or with rewards earned on an eligible Chase card. Coverage is extended to the cardholder, their spouse or domestic partner and any dependent children younger than 22.

Unlike AmEx, Chase’s coverage doesn’t require travel to start and end in the same location, but your trip must still be shorter than 365 days.

You are eligible to claim reimbursement for expenses if your trip is delayed by more than 12 hours or requires an overnight stay. Chase will reimburse for reasonable expenses including meals, lodging, toiletries, medication and other personal use items.

Chase trip delay reimbursement coverage is limited to $500 per covered trip.

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

If the credit card you booked your trip with doesn’t offer trip delay protection or if you need additional coverage, you can purchase it as part of a travel insurance package.

Who is covered, what is covered and coverage amounts vary by plan and issuer. Also, not all travel insurance providers offer trip delay insurance, so be sure to review coverage details before making a purchase.

Here are three providers that offer travel insurance including trip delay protection.

Allianz Travel Insurance

Allianz offers travel delay protection as part of many of its travel insurance packages. For example, the OneTrip Prime package includes coverage for expenses up to $800 per trip ($200 per day) and is effective once your trip is delayed by five hours or more.

Allianz coverage can also reimburse expenses if you miss your cruise or tour due to a covered delay. In addition to single-trip packages, Allianz offers annual travel insurance for the frequent traveler.

» Learn more: The NerdWallet guide to Allianz travel insurance

Berkshire Hathaway

Berkshire Hathaway offers per-trip insurance packages that include trip cancellation and interruption insurance , medical expense reimbursement , evacuation insurance and travel delay coverage.

Berkshire’s ExactCare Value plan includes $500 of travel delay insurance, but for those needing more protection, the ExactCare Extra plan provides up to $1,000 of protection.

You may have seen Travelex currency exchange counters at major airports, but the company also provides travel insurance. All of Travelex’s travel insurance plans include trip delay protection, starting with $500 of coverage for the Travel Basic plan and going up to $2,000 for the Travel Select and Travel America plans.

You can also shop for providers and compare coverage plans with travel insurance search engines like InsureMyTrip or Squaremouth .

» Learn more: How to find the best travel insurance

If your travel insurance policy includes trip delay coverage, then yes, you are eligible for compensation for expenses up to a certain amount accrued when your travel on a common carrier is delayed.

Generally, travel on a common carrier must be delayed by at least six hours before coverage kicks in.

Most trip delay policies cover necessary expenses incurred during the delay. Covered expenses generally include meals, lodging, toiletries, transportation and other personal items.

Trip interruption insurance differs from trip delay insurance in that it covers expenses incurred post-departure. Should you miss or be unable to complete a portion of your trip after initial departure, you'll be reimbursed for unused, prepaid, nonrefundable expenses and may be eligible for reimbursement of additional costs like hotel nights and flights home.

Trip interruption insurance

differs from trip delay insurance in that it covers expenses incurred post-departure. Should you miss or be unable to complete a portion of your trip after initial departure, you'll be reimbursed for unused, prepaid, nonrefundable expenses and may be eligible for reimbursement of additional costs like hotel nights and flights home.

Unexpected delays can happen to anyone when traveling. Understanding what trip protection benefits are available to you will save you stress and money in case you encounter a lengthy travel delay.

If you hold one of the many premium credit cards that offer trip delay insurance, take a moment to read your card’s terms and conditions to understand what coverage you have. If not, you can still access trip delay benefits by purchasing a standalone travel insurance policy.

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

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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 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.

Staysure travel insurance review

The following Staysure travel insurance review focuses on cover provided by one of the UK’s leading over 50s travel insurance providers.

• SPECIAL OFFER: Receive a 20% discount when you but before 30/4/24
• No upper age limit
• Up to unlimited cover on pre-existing medical conditions
• 21 says winter sports included in comprehensive policies
• Coronavirus travel insurance included as standard

Who is Staysure?

Staysure is one of the UK’s leading holiday insurers founded in 2004. Based in Northampton, they specialise in providing travel insurance for over 50s with pre-existing medical conditions. In addition to their award winning travel insurance, they also offer expat travel insurance.

What do their policies cover?

Staysure’s basic and comprehensive travel insurance covers a range of pre-existing medical conditions as standard. There’s no upper age limit and all policies cover over 80 activities and sports. Single trip and annual holiday insurance can be tailored to your needs or upgraded with a range of optional extras.  

Here’s how each option works:

Single trip insurance

Staysure single trip insurance covers one trip of up to 104 days to multiple destinations. Their basic and comprehensive travel insurance includes the following services as standard:

Comprehensive cover optional extras:

• 100 day upgrade – allows under 70 year olds to extend their trip duration
• Connecting flight cover – if you miss a connecting flight due to cancellation or delay
• Excess waiver – means you don’t pay any excess in the event of a claim
• Golf cover – covers non-professional golf
• Terrorism cancellation cover – allows you to cancel your holiday if a terrorist attack has taken place within a 40 mile radius of your destination within 42 days of your arrival
• European FCO travel advice extension – validates travel insurance to Europe if the FCO has advised against it
• Cruise cover plus –  includes protection against being unable to dock at a scheduled port due to bad weather and cabin confinement
• Gadget cover – up to £1,000 for an unlimited number of gadgets
• Single item cover – up to £1,000 cover for a specified item
• Winter sports – covers medical expenses or loss or damage to equipment (21 days cover included as standard in comprehensive policies)

Annual travel insurance

Staysure’s annual insurance has the same cover levels as their single trip insurance. The big difference is with annual insurance, you’re covered for multiple trips over a whole year. Each single trip is limited to 50 days for under 70 year olds and 35 days for those over 70.

Depending on your travel plans, with Staysure’s annual holiday insurance you can choose to cover trips to the following regions:

• UK & Europe – excluding Cyprus, Egypt, Greece, Malta, Morocco, Spain, Tunisia and Turkey
• All of Europe
• Worldwide – excluding Bermuda, Canada, the Caribbean, China, Hong Kong, Mexico, Thailand and the USA
• Worldwide – All countries

Do they offer coronavirus travel insurance cover for over 50s?

Staysure include covid-19 travel insurance in all single trip and annual policies. Coronavirus insurance includes cancellation cover if you’re diagnosed with Covid-19 within 14 days of travel. Plus up to unlimited emergency medical expenses and repatriation fees if you contract the illness whilst on holiday.

You will not be covered for trips to countries listed as places to avoid by the FCO and you must mention any pre-existing conditions when you apply, as failure to do so could invalidate your policy.

How much does Staysure travel insurance cost?

The cost of Staysure holiday insurance depends on where you are traveling to, your age, health and whether you prefer basic or comprehensive cover. For example, single trip insurance for a 60 year old traveling to Spain currently costs £9.98 for basic cover, or £12.99 for comprehensive.

If you prefer annual cover , you should expect to pay £29.99 for basic or £39.99 for comprehensive. The excess is £65 for basic policies or £100 for comprehensive, no plans include cruise cover but Staysure’s annual comprehensive policy includes winter sports.

You will then pay more if you choose to enhance your policy with one of the optional extras. For example, on an annual policy, single item cover is available from £9.11, whilst connecting flight insurance will cost you an additional £29.95.

What is their claims process?

Staysure claims can be made over the phone to their emergency or general claims line or via their online claims process. You’ll need your validation certificate and any documents that support your claim. If your claim is connected to Covid-19, Staysure will also require a copy of your test results.

Am I eligible for Staysure travel insurance?

Although Staysure specialise in over 50 travel insurance with no upper age limit, all ages are eligible. They accept a wide range of pre-existing medical conditions but may exclude certain illnesses. They may also insure you if you’re undergoing tests however your doctor must be happy for you to travel.

Is Staysure travel insurance any good?

My review of Staysure travel insurance is designed to help you compare plans and find the best option for you. I would always recommend that you review all of your options to ensure you’re getting the best deal that suits your budget and needs.

Staysure travel insurance has an excellent review rating of 4.7 out of 5 on Trustpilot. They also have an excellent  Defaqto rating for their comprehensive travel insurance. This is not surprising considering their comprehensive insurance provides a higher level of cover.

In addition, consumer champion Which? rates Staysure 5th out of 40 insurers. So Staysure offer a good reliable service and specialise in providing cover for over 50s with pre-existing health conditions.

You have the flexibility to tailor the insurance to suit your needs with the optional extras however do be aware this will of course impact the price you pay.

How to get a Staysure travel insurance quote

To get a Staysure travel insurance quote, visit their website for more details.

Alternatively, to compare travel insurance quotes with leading insurers , use our free, easy to use online comparison service.

Get a Staysure travel insurance quote

Frequently asked questions

Is staysure travel insurance reliable.

Staysure travel insurance is reliable with an excellent review rating of 4.7 on Trustpilot. They were winners of the 2019 British Travel Awards and comprehensive holiday insurance is 5 star Defaqto rated. This means that Staysure is a reputable company, highly rated by customers and industry experts alike.  

Who is Staysure underwritten by?

Staysure is a trading name of TICORP Ltd which is the company that arranges their insurance.

Are Staysure and Avanti the same company?

Avanti insurance was founded in Essex in 2009 and acquired by Staysure in 2017. Therefore, Avanti and Staysure are part of the TICORP Ltd trading group however both operate as standalone businesses.

Can I cancel my Staysure insurance?

You can cancel your Staysure holiday insurance within 14 days of purchase and receive a refund minus any admin fees. You are not entitled to a refund after this period however they will use its discretion in exceptional circumstances, for example bereavement or a change in medical condition.

Get a Staysure travel insurance quote today

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Reasons Why Buying Travel Insurance Is Worth It

A vacation is not a big investment like your home or car. But it is still a lot of money that cannot go to waste. You buy accommodations and airfare, maybe excursions or various activities. Most of the time, these are paid for entirely in advance. Don’t you think these are all values worth insurance if there are any unforeseen problems threatening your travel plans?

Travel insurance can help you extend the benefits of traveling abroad. At the same time, you are rest assured since you are prepared for any sort of circumstances that may befall you on your journey. However, it is also important to be sure to have the right travel insurance plan. It will help you to have no stress at all. Otherwise, choosing the wrong travel insurance plan may even add to your worries. That is why make sure to do your research and find the right plan for a smooth journey. 

Benefits of Having a Travel Insurance Plan

If you want to clear away your doubts regarding travel insurance plans, here are some benefits that such a plan comes with. 

Avoid Expensive Medical Evacuations

“If you get badly hurt or seriously sick while traveling abroad and need to be taken by helicopter to the nearest good hospital, the cost can be huge. Quite often, a medical evacuation can cost around six figures in some parts of the world. Plus, this figure does not even involve the expense of getting you back home again. Travel insurance plans offer emergency medical transportation. They will pay for you to be transported to the nearest high-quality facility if you are injured or suffering from any illness during your trip. The medical assistance team may also pay for specialized transportation to bring you back home for appropriate treatment once your condition gets stable.” - Emerson Carlson, Founder of Medicaresharks

Solution for Travel Delays

The statistics for airlines' on-time rise and fall from year to year. On average, 18% of domestic flights are delayed. This does not even include counting the flights that are canceled. That is why you need a travel insurance plan that covers travel delay benefits. Through this, the plan can compensate you for additional accommodations, travel, or meal expenses. You will be satisfied if you have travel insurance that can compensate you for your unexpected extra night in the hotel or for your airport lunch. It can also avoid unexpected extra expenses that you did not plan on your journey since the insurance plan will pay for the extra expense due to delay. 

Because Missing Your Luggage Can Ruin Your Trip

According to a recent survey, more than half of the travelers said that an airline had lost their bag in the past. Only 34% of them ever got their missing luggage back. 72% said they had lost an irreplaceable item. 

Using travel insurance with lost or delayed baggage benefits will reimburse you for the reasonable purchase of essential items during your trip. The reimbursement facility is for those whose luggage is delayed or misdirected by the carrier for 24 hours or more. Baggage damage or loss will compensate you for the actual cash value, actual price, repair, or even replacement of your damaged or lost items. These depend on the limits of your insurance letter of confirmation policy. However, it is important to always keep your irreplaceable items in your carry-on luggage or at home. 

Because Even If You’re an Expert, You May Need Help

“One of the best reasons why you should get a travel insurance plan is peace of mind. You are satisfied that any help is just a phone call away. When you encounter a crisis while traveling abroad, you can always contact your 24-hour insurance plan assistance. These crises may be a lost passport, a medical emergency, a natural disaster, a stolen wallet, and others. Even if you have traveled a number of times, you cannot avoid unexpected events. That is why it is a better idea to be prepared for any situation. The assistance team has experts who will do everything in their power to take control of things and help make things right.” - Brian Bosscher, owner and founder of Condo Control

Save Your Money If You Want to Cancel Your Trip

Sometimes, even the best-planned trips need to be canceled. Unfortunately, many travel providers like cruise lines, tour operators, and airlines provide minimal or no refunds for last-minute cancellations. If something like this happens, can you afford to lose your invested money on a trip? 

Another good reason to buy travel insurance is that you get security of trip cancellation benefits. They can reimburse you for nonrefundable, prepaid trip expenses when you have to cancel for a proper reason. After getting your money back, you can book your trip again on another brighter day. Make sure to know what are the covered reasons and what is the policy behind them. 

Your Health Insurance May Not Work Overseas

If you get seriously hurt or sick in another country, do not expect your health insurance card to help. There are many foreign medical providers and facilities that demand cash payment up front and do not accept any US insurance plans. If you rely on your local insurance plan, you may get stuck overseas and have to pay a huge bill for medical expenses. Having travel insurance with emergency medical or even dental benefits is a great idea to avoid sudden problems. The insurance will pay for losses through covered medical emergencies that may come up on your vacations. 

Coverage for the Whole Family

“Traveling abroad along with your family includes more expenses than solo travel does. You may manage certain expenses on your single trip, but you will need some support for a family trip. The good news is that family insurance plans are available. It will cover the entire family insurance, including different ages and different criteria. You can find the best travel insurance plan provider and check their plan. Finalize the one that suits your family best and covers every requirement you may need while traveling.” - Vicky Cano, Chef & Recipe developer at Mealfan

Stress-Free Travels and Stays

With the right travel insurance plan, you can have a stress-free journey. Recover your losses against any sudden incidents with these plans. It will also benefit in compensating for longer stays in the travel locations because of any health breakdown until you are stable enough to travel again. A travel insurance plan is a must if you want to have a stress-free journey and stay. With these plans, you can rest assured since, for any situation, you know you have assistance just a phone call away. 

Travel insurance is one of the most essential aspects before you plan your trip. It is so because it offers coverage against different risks associated with traveling. Most importantly, it offers coverage against medical treatment, which can be costly and may arise due to unforeseen complications during travel. There are several travel insurance benefits that make it necessary for travelers during their vacations or trips. Make sure to find the travel insurance plan that suits you the best and is right in every aspect. You can also get a consultation regarding the plan so that you make the right decision and do not waste your money. 

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