Does travel insurance cover missed flights or connections

Does travel insurance cover missed flights or connections

Travelling can often be a stressful business, but one of the most frustrating experiences has got to be missing a flight or connection.  

When it comes to choosing travel insurance, is it possible to get cover for if the worst happens and your flight takes off leaving you behind? 

Wouter Van Rijn From the Travel team
4
minute read
posted

Is cover for missed flights or connections part of a standard travel insurance policy, or an extra add-on?

Most insurance providers who offer missed flight insurance, don’t include it in their standard policies, and only offer it as an extra add-on.

The cheaper policies will almost certainly not include any cover of this type. And some policies will only cover missing your initial flight, not connecting flights.  

If missed flight or connection cover is important to you, check the policy terms and conditions carefully before you buy, and speak to your insurance provider to see if they can offer it as an add-on.

Split 1

Will travel insurance cover missed connections?

If you miss a connection and it’s the airline’s fault, for example, your flight is cancelled, they will be responsible for getting you on another flight and paying for food and accommodation. 

Also note, your airline is only obliged to pay compensation if you have a through ticket with them (one single ticket with the same airline for all connections). So, for example, if you have two separate tickets for two separate airlines, it’s only the first airline that made you miss your connection that’s responsible, and not the connecting airline. 

Split 2

Most insurance providers won’t cover you for delays and missed connections caused by the airline.   

If you miss your flight and it’s not the airline’s fault, then the airline has no obligation to compensate you.

Some insurance providers will cover missed connections if the airline is not obliged to pay compensation. Just make sure you check your policy to see whethet connections are included. 

You may also be covered if you miss a connection on another type of transport due to a delayed or cancelled flight, such as a train, bus or ferry. 

What should you do if you miss your initial flight or connection?

If you arrive at the airport too late to catch your flight, go straight to your airline’s customer services desk, explain what’s happened and find out if they’ll offer you an alternative flight. 

If you missed your flight through no fault of your own, make sure you can prove it to your insurance provider. Examples of evidence to help boost your chances of a successful claim include:

  • photos or video of the scene, if you were delayed by a road accident
  • testimonies from any eyewitnesses to the accident
  • confirmation from a breakdown company that your vehicle was involved in an incident
Split 3
  •  confirmation from the Department of Transport or Highways Agency that there was an incident on the road you were travelling on
  •  photos or videos of extreme weather that caused your delay
  •  photos of display boards announcing a public transport delay
  •  travel documents, tickets and receipts
  •  your itinerary or travel plan
  • evidence that your airline acknowledged a delay occurred, for example, an announcement on their website, or you can ask their customer services department to confirm it in writing


Remember, if you were involved in a road accident, you’ll also need evidence of the incident for your car insurance provider too.

You can start by letting us help you find and compare travel insurance providers. Just remember to check each policy carefully to see if the cover you want is included. If not, you may need to contact individual insurance providers to see if they can add missed flight or connections cover to your policy. 

Compare travel insurance today and see how much you could save. 

Looking for a Quote?

Get a new travel insurance quote in minutes and you could start saving

Get a quote