YOU ASK:

Travel insurance - what if there is a delay and it goes over the cover period?

WE ANSWER:

For most travel insurance policies, you are covered for the duration of your trip, from the time you leave up until the time of your expected return. When your trip is extended due to delays, you should extend cover so that the additional days are also protected with travel insurance.

When you plan to extend your travel insurance, it would be best to renew the insurance a few days before it is about to expire. Usually, you are only allowed to extend the coverage of a policy if that policy has not yet expired.

There are also some travel insurance plans that provide automatic extensions when your scheduled date of return is moved up a few days due to problems with your airline or transport carrier.

If, for example, the airline where your flight is booked is delayed because of an airline strike, mechanical problem or adverse weather condition, some travel insurance companies will automatically extend over the specified period.

When it comes to the automatic extension of the travel insurance, there are also specific conditions that should be met.

  • The automatic extension period is only up to the number of days specified in the policy.
  • If the schedule of your trip is extended because you want additional days for your travel, you will have to extend the coverage of your travel insurance and pay the amount required to have the extension. You just have to pay the difference between your present number of travel days and the additional days.

However, delays are just what travel insurance is meant to cover. So when your trip is delayed, depending on your travel insurance policy, your travel insurance may pay an additional amount for each day that your trip is delayed.

What's great about most travel insurance providers is that most are usually accessible online. So you can have your travel cover extended via the Internet. You should also be informed that certain terms and conditions will apply to the extension, and you may not be able to have your policy extended if those conditions are not met. For example, you will have to provide a new set of medical reports.

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