Frequently Asked Questions

Can I Use Missed Connection Coverage for Non-Air Travel Delays, Like Trains or Buses?

Our Missed Connection benefit can apply to non-air travel delays, such as trains or buses. This benefit can help when unexpected disruptions prevent you from reaching your next leg of travel. For example, if your train is delayed and you miss your cruise departure, we could reimburse you for the missed cruise. The delay needs to meet the conditions outlined in your plan. Check your plan details to confirm eligibility for this coverage.

Does the Missed Connection Benefit Apply If I Miss My Flight Due to Personal Reasons, Like Oversleeping or Traffic?

No, Missed Connection coverage does not apply if you miss your flight due to personal reasons, such as oversleeping or being stuck in traffic. This benefit applies to the covered reasons outlined in your plan document, such as inclement weather, mechanical problems, or a riot.

Can the Missed Connection Benefit Cover Hotel Stays If I Need to Wait for the Next Flight?

The Missed Connection benefit can cover reasonable additional expenses, which might include a hotel stay in some cases. For instance, if you are at your layover, get delayed due to inclement weather, and therefore miss your cruise departure, you may face an overnight delay. We could reimburse you for lodging costs, up to the maximum benefit amount in your plan, as well as the transportation expense to catch you up to your cruise. Remember to keep receipts and review your Schedule of Benefits to understand the reimbursement offerings specific to your plan.

How Do I File a Claim for Expenses Due to a Missed Connection?

At Travel Insured International, we aim to simplify the claims process:

1. Document the delay: Request written confirmation from the travel provider explaining the reason for the delay and its duration.
2. Save receipts: Keep all receipts for expenses like meals, hotel stays, and transportation that you incurred due to the delay and missed connection.
3. Submit your claim: Use our online claims portal or contact our customer service team for assistance. Be sure to include all required documentation, including proof of delay and expense receipts.

Our experts are here to support you and help you receive reimbursement for eligible costs.

How Does Missed Connection Coverage Differ Across the Platinum, Deluxe, and Essential Plans?

We offer three main single-trip travel protection plans—Worldwide Trip Protector Platinum, Deluxe, and Essential—each with robust benefits:

• Platinum Plan: This plan option provides the highest reimbursement maximum amount. It’s great for travelers seeking maximum benefit coverage, especially internationally.
• Deluxe Plan: A mid-level plan offering an intermediary maximum benefit amount, ideal for most travelers.
• Essential Plan: Our most budget-friendly option, providing a lower reimbursement maximum for missed connection protection.

Each plan’s Schedule of Benefits outlines the exact maximum benefit amounts and eligibility criteria for Missed Connection coverage.

If My Flight Is Delayed, but the Airline Offers Reimbursement, Can I Still Use Missed Connection Coverage for Additional Costs?

While airlines might reimburse some costs, such as rebooking your flight, they often may not cover all expenses, like meals, overnight accommodations, or transportation. Our plans are a way to help you recover any additional costs. When filing your claim, we will need to see documentation of any reimbursements received from the airline.

If I Arrive at My Destination Late and Encounter a Missed Connection, Due to a Natural Disaster or Civil Disorder, Does This Coverage Help With Non-Refundable Travel Costs?

If a natural disaster or civil disorder disrupts your trip and prevents you from reaching your destination, resulting in a missed connection, this coverage may help reimburse for unused, forfeited, prepaid non-refundable expenses for land or water travel arrangements you purchased for your trip, such as excursions. The missed connection must be due to a covered reason in your plan. We recommend reviewing your plan to understand what qualifies under this benefit.

Is There a Limit to the Amount Reimbursed Under Missed Connection?

Yes, each of our plans include a specific maximum benefit amount, for each benefit. The Missed Connection maximum benefit amounts vary depending on the plan you select:

• Platinum Plan: Offers the highest maximum, $1,000.
• Deluxe Plan: Provides a more moderate maximum, $750.
• Essential Plan: Includes a lower maximum of, $500.

These maximum benefit amounts are shown in your plan’s Schedule of Benefits. We encourage you to familiarize yourself with these maximum benefit amounts before traveling.

What Exclusions Apply to Missed Connection Coverage?

There are general exclusions in each plan that apply to all benefits, including Missed Connection. Some scenarios where our Missed Connection coverage may not apply include:

• Personal negligence: Missing your flight due to oversleeping, not planning enough time, or other avoidable circumstances.
• Known events: Issues that were foreseeable before purchasing the plan, such as pre-announced strikes.
• Voluntary changes: Changing your travel plans without a qualifying covered reason.
• Uncovered events: Situations not listed as covered reasons in the plan.

Understanding these exclusions can help you better prepare for your trip.

When Does Missed Connection Coverage Apply for Connecting Flights?

Our Missed Connection coverage could apply when you miss a connecting flight due to events beyond your control. Common scenarios include:

• Severe weather: Storms or other inclement weather events causing delays.
• Mechanical issues: Problems with the airline’s equipment.
• Unexpected schedule changes: Delay or Cancellation made by the airline or other Common Carrier.

The delay must be three or more hours long. Be sure to check your plan for the specific requirements.

Why Choose Travel Insured International for Missed Connection Coverage?

At Travel Insured International, we’ve been protecting travelers for over three decades. Our Missed Connection coverage is just one of the many benefits that may give you some reassurance and peace of mind on your journey. Here’s why many travelers trust us:

• Robust protection: Our plans are tailored to cover a wide range of travel disruptions, from missed connections to trip cancellations and more.
• Emergency assistance: With 24/7 non-insurance assistance support through our partner, Robin Assist, you don’t need to be alone during a travel emergency. Our professionals are here to help. 
• Flexible options: Choose from our Platinum, Deluxe, or Essential plans to find the coverage that fits your needs and budget, and customize the plan with optional bundle add-ons.
• Professional claims process: We continuously work to make the process easier for travelers to start claims and get reimbursed for eligible covered expenses.

With Travel Insured International, you can focus on enjoying the moment, knowing we’ve got you covered for the unexpected. Contact our specialists today for more information!