Travel Insurance FAQ: Do Flight Delays and Lost Baggage Pay Out?

What does travel insurance actually cover? Flight delays, lost baggage, trip cancellation — these common situations are generally covered, but check the fine print.

Do flight delays pay out?

Yes, once the delay hits the specified hours. Most policies pay only after six or more hours’ delay, with amounts varying by plan. Get written delay proof from the airline — you’ll need it to claim.

What if baggage goes missing?

Loss and delay both pay, within caps. Lost baggage pays per item up to a per-item cap; delayed baggage covers emergency purchases of essentials. Keep valuables out of checked luggage, or insure them separately.

What about trip cancellation?

Only involuntary cancellation pays. Trips cancelled for natural disasters, strikes, epidemics and other involuntary reasons can recover non-refundable prepaid costs; changing your mind doesn’t count. Read the exclusions before buying.