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Travel Insurance for Travel Delays

How does travel delay cover work?

There’s nothing more frustrating than travel delays. Not only is your trip put on hold, but you may find yourself stuck at an airport for hours – or even needing to spend an extra night or two in a hotel – while you wait to get back into the air.

Travel delay cover included as part of your Silver or Gold travel insurance policy – can help reduce your costs when a pre-booked flight is delayed by more than 12 hours, as long as you checked in at or before the recommended time.

Part of the necessary additional food, drink and accommodation costs you incur as a result of your travel and flight delays may be compensated, so those delays don’t do too much damage to your holiday budget.

Why choose Insure&Go Travel Insurance for Travel Delay cover?

Cover for delayed flights

Accommodation cover

Food & drink cover

Natural disaster delay cover

24/7 emergency assistance

21 day cooling-off period

Don’t let travel delays disrupt your trip more than they should. With Travel Delay cover, some of your travel delay costs could be compensated.

Cover for delayed flights

Travel delay cover helps you manage the inconvenience of a delayed flight. If any pre-booked leg of your trip is delayed for more than 12 hours, you may be able to claim for your necessary additional meals and accommodation expenses you incur while you wait.

Accommodation cover

If your Travel Delay means you need accommodation, your accommodation may be covered, up to limits specified in your policy.

Food & drink cover

Travel Delays may mean you’ll incur additional food and drink costs while you’re waiting for your travel to resume. With Travel Delay cover, there is provision to claim for additional meals which may be incurred.

Natural disaster delay cover

If you’ve added the Natural Disaster Cover upgrade to your policy, you may be covered for certain costs if a natural disaster disrupts your travel plans. We define Natural Disasters to include floods, earthquakes, tsunamis, landslides, volcanic eruptions, hurricanes, typhoons, tornadoes, cyclones and objects falling from space.

24/7 emergency assistance

Travel with added peace of mind, knowing you’re covered by a 24/7 global assistance team. Insure&Go is backed by Europ Assistance, giving you access to more than 750,000 assistance providers in over 200 countries. Call us any time: +61 293 333 999 (reverse charge).

How to make a claim for Travel Delay

It’s simple to make a claim with Insure&Go if your travel is delayed for one of our covered reasons. You must register any claim within 30 days after completion of your travel. If you do not lodge your claim within 30 days, your claim settlement may be reduced. You must provide evidence that you have suffered a loss under the terms and conditions of the policy. We are under no obligation to make payment without this proof of ownership (where relevant) and proof of claimable event.

Here’s how to make a claim:

Log in to our online eClaims portal to start your claim.
Upload supporting documents, such as receipts for expenses and proof of delays. This could include:
- A written statement from the airline confirming the reason for the delay and total delay duration.
- Receipts for any additional meal or accommodation expenses you are claiming.
You must submit your claim within 30 days of the end of your trip.

Alternatively, you can download a claims form and email the completed form back to us, with copies of your supporting documents, at claims@insureandgo.com.au.

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Travel Delay cover FAQs

How long before Travel Delay compensation eligibility kicks in?

A Travel Delay must last more than 12 hours on a pre-booked leg of your trip. If the delay reaches 12 hours, we may reimburse your necessary additional meals and accommodation expenses, up to the limits shown in the Table of Benefits, as long as you eventually go on the
holiday.

Sub-limits apply for each completed 12-hour period.

What Travel Delays aren’t covered?

Travel Delay cover doesn’t apply in certain situations. This includes:

Any claim where you are unable to provide appropriate evidence e.g. receipts or bank statements for the additional meals and accommodation expenses being claimed.
Any terrorist act or any loss incurred as a result of any intentional use of military force or other intervention by a government or official authority to intercept, prevent, or mitigate any known or suspected terrorist act.
Missed connecting flights when the scheduled stopover was less than 6 hours. This does not apply to fly through fares.
Delays caused by civil unrest.
Delays caused by a natural disaster (unless you’ve purchased the Natural Disaster Upgrade and it’s shown on your policy schedule).
Delays due to an event the public already knew about when you booked your trip or purchased your policy (whichever happened later).

Limits, sub-limits, exclusions and conditions are outlined in the PDS under “What you are not covered for.”

Do I need receipts to make a Travel Delay claim?

Yes. You must keep all receipts for the additional meals and accommodation expenses you’re claiming, and you must get a written statement from the airline confirming the reason for the delay and how long it lasted.

Claims may not be paid if you’re unable to provide receipts for the expenses incurred.

Does Travel Delay cover apply if I don’t check in on time?

No. You must have checked in for your trip at or before the recommended time to be eligible for Travel Delay cover.

Do I still need to go on my trip to claim for a Travel Delay?

Yes. To be eligible for Travel delay benefits, you must eventually continue with your holiday. The benefit does not apply if you abandon the trip entirely due to the delay.

Am I covered if my travel is delayed because of a health issue?

y your airline for more than 12 hours. It doesn’t apply if your travel is delayed because you or a travelling companion become unwell. However, other sections of your policy may help if illness or injury affects your travel plans.