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Trip Delay Insurance

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International Travel Insurance

Trip Delay Insurance

  • No Paperwork
  • No Medical Check-up
  • 26 Countries 1 Policy
  • Cashless Hospitalisation Worldwide
International Travel Insurance

Plan Details

Trip Delay Insurance from Reliance General Insurance ensures you are protected against unexpected disruptions in your travel plans. It provides peace of mind, allowing you to manage the unexpected without financial strain.

If your trip is delayed due to reasons like severe weather, airline strikes or technical issues, our coverage helps reimburse the additional expenses incurred, such as accommodation, meals, and transportation.

This insurance gives you peace of mind by covering unforeseen costs, allowing you to focus on enjoying your journey. The comprehensive support from Reliance General Insurance allows you to stay on track even when your journey does not go as planned.

With Reliance General Insurance, you are safeguarded against the inconveniences of travel delays, making sure you are never left unprepared during your travels. Our comprehensive coverage, affordable premiums and high claim settlement ratio can guarantee you safe and smooth travel and assistance during trip delays.

Secure your trip with confidence today.

What is Trip Delay Insurance?

Flight delay insurance covers unexpected expenses that arise from trip delays. Whether due to adverse weather, strikes or technical issues, travel insurance for cancelled flights compensates for additional expenses like accommodation, meals and transportation during prolonged delays. 

Since flight delays are unpredictable and can happen at any time, these additional expenses can significantly derail your trip and its expense schedule. Thus, our travel delay insurance does not limit itself to simply covering your additional expenses. In addition to offering USD 60 per day for 6 days, we offer assistance during the most critical and unprecedented times and ensure that you are financially covered.

Also Read:What is Travel Insurance?: Coverage, Benefits, and How to Choose the Right Plan

Why is Trip Delay Insurance Important?

Trip delay insurance plays a vital role in protecting travellers from the unexpected costs arising from flight delays. When your trip is delayed, you may have to deal with additional expenses such as arranging accommodation, meals, transportation, etc.  While many airlines claim to support you during prolonged flight delays, entire reliance on their compensation can potentially lead to financial hardship.

Thus, having our travel insurance for flight delays can benefit you in the following ways:

  • Covers Unexpected Losses

    We help you manage expenses related to accommodation and other necessary expenses easily.

  • Prevents financial stress

    Our travel insurance acts like a protective shield that protects you from the financial impact of unexpected delays.

  • Ensure peace of mind

    All of our travel insurance plans offer coverage for expenses incurred due to flight delays. This way, you can travel with peace of mind worry-free.

  • Coverage for other related expenses

    Our travel insurance extends its coverage for other expenses as well that may arise from the delay as well. This includes delayed baggage, trip cancellation, lost baggage, etc. You will receive non-refundable travel insurance and delayed flight compensation.

Also Read:Must Go Through Checklist Before Your Overseas Tour

Reliance Trip Delay Insurance

Trip delay insurance is covered under our travel insurance plans. Whether you are travelling to a Schengen country or are a student travelling to study abroad, our specific travelling insurances provide coverage against trip delays.  The coverage for the trip delays varies depending on the choice of plan. Depending on your coverage needs you can choose a plan that fits your needs and benefits from the features.

Covers Maximum Coverage (in USD)*
Trip Delay60 per day (up to 6 days)
Trip Cancellation and InterruptionUp to 600

Reliance Trip Delay Insurance - Inclusion & Exclusion​

Reliance General's trip delay insurance provides comprehensive coverage to ensure you're protected during your travels. You can claim your insurance if the delay has been for more than 12 hours from the scheduled time.

However, it is important to know what is included and excluded in the policy for a successful claim filing.

Inclusions Exclusions
Delay/ cancellation due to unforeseen illness, injury, or death of the insured, their family member or the travelling companion.Claims made outside of the policy term or for the event occurred before the policy commencement date.
 Delay/ cancellation due to termination of employment or layoff affecting the insured or their travelling companion.Complications due to any pre-existing diseases or non-declared pre-existing conditions (in case of Senior Citizens' plan)
Delay due to inclement weather conditions. Travelling for a planned treatment procedure.
The trip's final destination or place of accommodation became uninhabitable due to fire, flood, vandalism, burglary or natural disaster.If the insured is travelling against the doctor's advice, has a terminal prognosis, or to take part in a military operation.
The insured person is abducted or quarantined.Claims arising due to any mental disorder.
The insured person has been a victim of a felonious assault within 10 days prior to the departure date.If the insured, their family member or the travelling companion was the primary accessor of the assault.
One of the places on the insured person's itinerary was attacked by terrorists within 30 days of the arrival date.Delay due to injuries or illness arising out of warlike occurrence or invasion, acts of foreign enemies, etc.
 Delay caused by the common carrier.A participant in an act of terrorism.
Delay due to loss of passport, money or any other travel-related documents.Delay due to alcohol or drug abuse by the insured or the companion.

Trip Delay Insurance Eligibility

  • Our travel delay insurance is usually available for travellers over 18 unless you own a family travel insurance policy covering your kids.

  • For our Senior Citizen Travel Insurance, the insured must be between 60 and 90 years old.

  • You must be an Indian citizen while claiming your international trip delay insurance.

  • Our travel insurance plans do not include expenses for treating pre-existing health conditions. The only exception to this is our Senior Citizen Travel Insurance, which allows you to cover life-threatening conditions arising due to a pre-existing illness.

  • You are eligible to claim your travel delay insurance only when you purchase it before the trip commences.

How to File a Claim for Trip DelayInsurance?

  1. Initiate the travel insurance claim with Reliance General Insurance.

  2. Collect necessary documents, such as proof of delay from your airline or hospital (in case due to illness), travel itinerary and receipts for expenses for meals and emergency accommodation.

  3. Fill out the claim form, providing all required details about the delay and associated costs.

  4. Attach the hard copies of the required documents and send them to RCare/Europ Assistance.

  5. You will receive the claim benefits once we approve the claim.

Documents Needed to Claim Travel Insurance for Trip Delay

  • Duly filled claim form

  • Medical reports, doctors' statements or police reports that confirm the incident causing the trip delay.

  • If the delay is due to your travel companion's injury or death, submit their original tickets, indicating travel to the same destination and travel date as yours.

  • All original bills of reasonable additional expenses and proof of cancellation charges levied by the carriers (if applicable).

  • Copy of passport/original boarding pass

  • Copy of PAN/Form 60

  • A letter from the airline confirming the duration and reason for cancellation

  • Photo ID proof

  • Original Cancelled CTS 2010 Compliant cheque leaf for NEFT

Benefits of Buying Trip Delay Coverage from Reliance General Insurance

Reliance General Insurance offers a variety of plans that cover trip delays, including the Annual Multi-Trip Insurance, Student Travel Insurance, etc. With us, you can benefit from features like instant issuance, cashless hospitalisation and a broad network of happy customers. However, there is a lot more. Here is a comprehensive list of benefits of buying the best trip delay insurance:

  • Comprehensive Coverage

    We offer a broader list of inclusions that can result in flight delays, such as weather-related disruptions, technical issues, and more.

  • Quick Claim Processing

    Our travel delay coverage plan has a streamlined claim procedure that ensures you get your insurance benefits right when you need them and minimises stress during travel.

  • High Claim Settlement Ratio

    We offer a high claim settlement ratio, which reflects our customer-centric approach and commitment to customer satisfaction.

  • Affordable Premium Rates

    We offer various plans, all designed to cater to various needs. Despite the wide coverage, our premiums start from ₹306*, making it affordable and worth the investment.

  • Peace of Mind

    With our travel insurance policies, knowing that your flight delays are covered, you can enjoy the travel and added peace of mind.

Trip Cancellation vs Trip Delay ​Insurance

Parameters Travel Delay Insurance Trip Cancellation Insurance
CoverageThis covers the additional expenses incurred due to delay in your trip due to various covered perils.This covers your expenses in case the trip is entirely cancelled.
Perils CoveredCovers delay due to inclement weather, illness or injury, terrorist activity in the destination city/country, technical issues, etc.Covers cancellation due to unforeseen illness, inclement weather conditions, terrorist incidents, natural calamities, etc.
CompensationCompensates expenses for additional costs due to delays, such as accommodation, meals, transportation, etc.Compensates non-refundable expenses made before the departure date.

Also Read:Travel Insurance Coverage In Detail

What Happens When a Trip Gets Delayed, Cancelled or Rescheduled?

Delayed, cancelled, or rescheduled trips leave a distinct impact on your travel budget. The impact on your plans due to any of these events is significant. However, with our travel insurance plans, you can mitigate the risk of financial losses:

Delayed Trips

  • The potential impact due to trip delays can be additional expenses for meals, accommodation and transportation.

  • If the delays are more prolonged, then you may need to look for alternative transportation or emergency accommodation.

  • With our flight delay insurance, you can recover the costs of these additional expenses and receive assistance for any type of financial need.

Trip Cancellations

  • The potential impact of trip cancellation can be a huge financial loss on non-refundable expenses such as flights and hotel bookings.

  • These expenses are often huge, leading to financial hardship and stress.

  • However, with Reliance Travel Insurance for Cancelled Flights,  you can also claim your travel insurance if the airline cancels the flight.

Rescheduling of Trip

  • Rescheduled travel can result in additional costs for changing travel arrangements, booking new flights or facing cancellation charges.

  • Our travel insurance plan can help you cover the costs associated with changing arrangements and bear any additional charges (if applicable).

Also Read:Travel Insurance Coverage for your Missed Flight

Things You Can Do at the Airport If You Have a Delayed Flight

Experiencing a delayed flight can be frustrating, but there are several ways to make the wait more bearable. Here are some tips:

  • Find Amenities

    Explore the airport for lounges, charging stations and other facilities to stay comfortable.

  • Stay Informed

    Regularly check for flight updates and announcements.

  • Use the Time Productively

    Catch up on reading, work or entertainment.

  • Relax and Unwind

    Take advantage of any spa services or find a quiet spot to relax.

  • Stay Connected

    Use Wi-Fi to stay in touch with family or work.

  • Eat and Drink

    Visit airport restaurants or cafes to keep yourself nourished.

  • Plan Ahead

    Consider alternative travel arrangements or accommodations if the delay is extensive.

  • Be aware of your rights

    Knowing about your rights during such a stressful time can help you reduce its negative impact.

  • Book an Accommodation

    Find out the reason for the delay, and if the delay is going to be for longer than 12 hours, you can consider booking a place to rest and freshen up.

Frequently Asked Questions

  • Can I get trip delay insurance for both domestic and international travel?

    Yes, trip delay insurance is available for both domestic and international travel, though coverage and compensation limits may vary based on the destination.

  • What is the difference between trip delay and trip cancellation insurance?

    Trip delay insurance covers expenses incurred due to travel delays, such as meals and accommodation. Trip cancellation insurance reimburses you for non-refundable costs if your trip is cancelled due to unforeseen circumstances.

  • How much does trip delay insurance cost?

    The cost of trip delay insurance varies depending on the plan you choose, your travel destination, the level of coverage, the sum insured, age, trip duration and insured members.

    Reliance General Insurance offers several affordable plans to suit different needs. For example, we have a separate plan for senior citizens and students going abroad to study.

  • How long does it take to process a trip delay insurance claim?

    Receiving the claim amount for a trip delay insurance claim usually takes seven to ten days. You can track the status of your claim on our website by entering your policy number or claim number.

  • Can I purchase trip delay insurance after booking my trip?

    Yes, you can buy our travel insurance after booking your trip. However, we advise against leaving it to the last minute, as it simply adds to the hassle and causes stress.

  • What are the other features to look for in a Travel Insurance Plan?

    Before buying a travel insurance plan:

    • Choose a plan that provides coverage in the country
    • Look for a broad list of inclusions and exclusions
    • Review the premium rates
    • Add-on covers
    • Higher sum insured
    • High claim settlement ratio

Disclaimer: *T&C apply. Details mentioned here are for Reliance Travel Care Policy, UIN: RELTIOP08002V010708. Sum Insured: The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy– Platinum Plan.  For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale.​

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