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?
Are missed flights covered by travel insurance?
Although travel insurance differs between providers, many do offer some form of cover if you miss your flight, whether it’s your initial outbound flight, a connection, or an inbound flight to bring you home.
Check to see if your insurance provider covers additional costs you’ve had to pay – such as accommodation costs – because of a missed flight or connection.
The amount you can claim is limited to a set maximum amount, which can be anywhere between £250 to £1,000, depending on your individual policy.
An insurance provider may accept a claim for a missed flight if the delay was caused by:
- public transport delays
- road accidents – be aware though, that some insurance providers only offer cover if the accident happened on a dual carriageway or motorway
- your car breaking down
- extreme weather conditions – such as a snow storm
You’re unlikely to be able to claim if you missed a flight due to:
- not getting yourself organised and leaving enough time to get to the airport or get through security
- a protest or civil unrest that had not been publicly announced in advance
- heavy traffic delays that weren’t caused by an accident, for example, roadworks
- if you refuse compensation or alternative flights offered by your airline
As of 23rd Match 2020, the UK Government announced a series of restrictions to travel, public spaces and gatherings. For a minimum of three weeks, people are being instructed to stay at home whenever possible. For this reason, travel insurance policies purchased from this date, for trips within the UK with a start date before 13th April 2020, will not be valid.
The UK Government also instructed all British tourists and travellers, that are currently abroad, to return to the UK as soon as possible.
As of 17th March 2020, the Foreign and Commonwealth Office (FCO) have advised against all non-essential travel abroad for an initial period of 30 days. This means that any travel insurance purchased from this date, for trips outside of the UK with a start date before 16th April 2020, will not be covered by the provider.
Coronavirus was declared a pandemic on 11th March 2020, so this may also affect your policy, particularly those taken out on or after that date. Please check any existing policies carefully, to find out what you’re covered for.
For more information please see our travel insurance and coronavirus pages.
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.
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.
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
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.