Yes — travel insurance reimburses meals, lodging, and transport when a covered flight delay exceeds the policy’s threshold (often 3–12 hours), and covers missed connections caused by the delay.
Usually Covered
By the Home & Dime Editorial Team · Updated 2026
Trip delay benefit
Pays for reasonable expenses during a covered delay past the time threshold.
Missed connection
Covers catch-up costs if a delay makes you miss a connection.
Common exclusions
- Delays below the time threshold
- Delays you were warned about before departure
- Reimbursement above daily caps
Tips
- Know your policy’s delay threshold.
- Keep all receipts during the delay.
- Get written confirmation of the delay reason.
Frequently asked questions
How long must the delay be?
Usually 3–12 hours, depending on the plan.
Does it cover a missed cruise?
Often yes, under missed-connection coverage.
Related guides
Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.
Part of our Travel Insurance guide
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