We all love to visit our families, friends and loved ones during the winter holidays, which means that more often than not we encounter unpleasant weather conditions along the way.
From broken down trains to canceled flights and horrible road conditions, even the best laid plans for visiting our friends and family can go asunder when it comes to winter travel.
If your travel plans are interrupted because of inclement winter weather, are your expenses covered? If you have comprehensive travel insurance, then the answer may certainly be “yes.”
However, at what point can you receive a reimbursement or compensation from your travel insurance company?
- A bankrupted airline - Most travel insurance policies will not, unfortunately, cover the cost of your travel if your airline goes under.
- A delayed flight - If your flight has been delayed due to inclement weather, your standard travel insurance will most likely reimburse you. Most policies include some fine print about the number of hours you must be delayed in order to receive compensation, so check your policy beforehand. Typically, a travel insurance policy will cover the cost of food and accommodations during your delay.
- A canceled flight - If your flight has been canceled, your travel insurance will likely not provide you with compensation; however, it is important to point out that the airline will likely offer a refund or alternative travel arrangements in this case.
- Illness - If you become too sick to travel due to flu or virus, your travel insurance policy will likely cover the cost of your travel. Likewise, if your travel companion is too sick to travel, you may also be covered under your travel insurance policy.
- Trip abandonment - If you decide to cancel your trip due to hazardous weather conditions or a severe airport delay, you may or may not be covered under your insurance policy. Most insurers will demand that a variety of circumstances take place before they will cover an abandoned trip, so check with your insurer before you make any decisions.
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