Explaining Trip Disruption & How You Can Get Cover For It

What is the difference between a delay and a disruption?

Although these two benefits sound the same, in the context of travel insurance, a travel delay and a trip disruption are not the same thing.

A travel delay is where you are not able to get on your booked transport at its original scheduled departure time, because it has been cancelled and rescheduled, or postponed for a specified period of time due to circumstances outside of your control. This can include situations like severe weather, mechanical issues or strikes stopping your flight from leaving the airport.In this situation, you can claim up to the benefit limit for your additional meal and accommodation expenses during the period of the delay.

A trip disruption refers to a broader range of situations that forces you to change or cancel your travel plans, and encompasses not only delays but also interruptions or cancellations of the remainder of your trip due to various reasons beyond just a transport delay. This could include events like:

• You experiencing a medical emergency,
• Unexpected sickness or injury of a close relative back home,
• Your scheduled or conecting transport is cancelled, delayed, shortened for diverted because of a strike, riot, hijack, civil protest, severe weather or natural disaster,
• Your passport or travel documents are lost or stolen.

The trip disruption benefit can reimburse you for your non-refundable expenses such as transport, accommodation, tours, or activities that you have already paid for, if your trip is disrupted due to the reasons outlined in PDS.