Trip Delay Insurance Overview

Traveling during the holidays and peak season can often lead to delayed flights. In this post, we compare the most popular travel credit cards and the trip delay benefits they provide. Each card has a different minimum delay time requirement before the benefit kicks in, which can range from 3 to 12 hours. 

Contrary to popular belief, American Express cards do not offer trip delay insurance. 

What is trip delay insurance?

Trip delay insurance is a benefit provided by select credit cards that reimburse you for reasonable expenses if your departure or return trip is delayed. Tickets made under the same reservation and covered card are usually provided up to $500 per ticket.

Covered hazards can include anything from equipment failure, weather delays, labor strikes, or hijacking. Layovers do not qualify for trip delay insurance because they are planned and not unexpected.

What is covered under trip delay insurance?

Each credit card is different, but reasonable expenses are eligible for reimbursement. 

In general, expenses related to meals, lodging, toiletries, medications, and business necessities are covered for each person eligible for coverage. Check your card's benefits guide for specific details.