Best Travel Insurance for Flight Delays and Cancellations 2020
Policyholders may be insured for flight delays or trip cancellations. Want to find out more? MoneySmart has got you covered!
Which travel insurance is the best for flight delays and cancellations coverage?
Click the plans below to find out:
High Flight Delay Protection
- Medical Coverage (Overseas)
- HK$800,000
- Travel Delay
- HK$3,500
- Trip Cancellation
- HK$30,000
For every 8 hours of delay due to mechanical and/or electrical breakdown/derangement, industrial action, adverse weather, or natural disaster causing suspension of public transport etc, HK$250 will be paid as compensation.
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- Medical Coverage (Overseas)
- HK$1,500,000
- Travel Delay
- HK$3,500
- Trip Cancellation
- HK$50,000
Eligible for HK$250 for the first 6 hours of delay and subsequent 12 hours, capped at HK$3,500.
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- Medical Coverage (Overseas)
- HK$1,500,000
- Travel Delay
- HK$3,500
- Trip Cancellation
- HK$50,000
For every 6 hours of delay, HK$300 will be paid as compensation, capped at HK$3,500 for flight delays.
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High Trip Cancellation Protection
- Medical Coverage (Overseas)
- HK$1,200,000
- Travel Delay
- HK$1,500
- Trip Cancellation
- HK$50,000
Provide up to HK$50,000 cover for trip cancellation. This plan also provides comprehensive coverage including leisure and non-professional sports activities.
- Medical Coverage (Overseas)
- HK$1,500,000
- Travel Delay
- HK$3,500
- Trip Cancellation
- HK$50,000
Unused travel and accommodation may be eligible for up to HK$50,000 trip cancellation cover (overseas local tour package or admission tickets to a major sporting event, concert tickets or theme park tickets included).
- Medical Coverage (Overseas)
- HK$1,200,000
- Travel Delay
- HK$1,500
- Trip Cancellation
- HK$50,000
Up to HK$50,000 for trip cancellation. This plan also features up to HK$1,500,000 medical expenses coverage including in and outpatient treatments and provides cover amateur hazardous sports such as scuba diving with no height or depth limit.
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Things to look out for on travel insurance
Making a claim
Most travel insurance covers travel delay/ cancellation caused by adverse weather, natural disasters, strikes, etc. In order to make a claim, travellers need to request a flight delay report.
Delay for 6 hours or more
If you are delayed by six hours, you are entitled to HK$250-300 every six hours in compensation. Any delays under six hours are not covered.
Coverage
Many standard travel insurance policies do not provide cover for airport closure, terrorist attacks, riot, etc. Most insurance policies cover adverse weather, natural disasters, travel alerts. It is important to check the coverage before purchasing.
Frequently Asked Questions
When should I buy travel insurance?
As soon as your flight and accommodation are booked, you should get your travel insurance right away to give you peace of mind. Your trip will be covered if anything goes wrong.
What is not covered in travel insurance?
It varies from provider to provider but in general, most insurance policies cover adverse weather, natural disasters, travel alerts. Many standard travel insurance policies do not provide cover for terrorist attacks.
How to make a claim?
You need to do so within 21-31 days after your trip. When making a claim, it is necessary to provide all supporting documents. If extra expenses incurred due to flight cancellation, please keep all receipts for any expenses you claim.
