Does travel insurance cover delays and cancellations during regional conflicts?
What's the story
The ongoing conflict in West Asia has disrupted airline operations, with many carriers rerouting or suspending flights to avoid conflict-hit airspace. This has resulted in longer travel times and widespread schedule changes across international routes. Most Middle East-based airlines, including Emirates, Qatar Airways, and Etihad, have suspended their flight services except for a few special flights.
Travel disruptions
Understanding the situation
The ongoing conflict has led to the closure of airspaces in the region, after US and Israeli air strikes against Iran. This has forced Tehran to retaliate with attacks across the Gulf, including airports. For travelers, these developments have resulted in a lot of hassle in adjusting their travel plans, concerns over rising ticket prices, and fears about refunds.
Insurance coverage
It all depends on the policy terms
Travel insurance may cover flight delays or cancellations, but it all depends on the policy terms and specific reasons for the disruption. Rahul Mathur, CEO at Roinet Insurance Broker Pvt Ltd, said that "Travel insurance can cover flight delays or cancellations, but the coverage usually depends on the terms of your policy." He added that insurers typically provide protection if disruptions are caused by severe weather conditions, airline strikes, or mechanical issues with aircraft.
Policy review
What to keep in mind?
Mathur stressed the importance of carefully reviewing policy details, including coverage limits, eligible reasons for delay or cancellation, and documentation required to file a claim. He also advised travelers to check if their policy provides extra benefits such as compensation for delayed flights, support for trip rescheduling, or reimbursement for unexpected accommodation expenses if the delay forces them to stay overnight.