Although trip interruption insurance and delay reimbursement appear to be incompatible, they offer two distinct forms of assistance.
Trip delay reimbursement covers “reasonable” things you need while you’re delayed, while trip interruption insurance reimburses you for missed connections or an earlier return home.
Generally, a trip is considered “delayed” if it is delayed for more than six or twelve hours, depending on the policies of your card.
For instance, if you get caught in a snowstorm and have to wait until the next day for your flight, you might have to pay for a hotel, buy toiletries, and buy food.
By contacting the benefits administrator for your card, you can submit a claim for reimbursement for your hotel, toiletries, and food during a trip delay.
You’ll probably have to give receipts or other documentation that they demand.
The trip delay insurance on the World of Hyatt Card is an example of the kind of protection you can expect from a card:
What is included: Normal transporter trips deferred by over 12 hours or that require a short term visit;
Expenses not covered by insurance due to the delay, up to $500 per ticket3 You, your domestic partner, and any children under the age of 22
