We know travel plans don’t always go smoothly, and it can be confusing to figure out what type of claim you might need to file.

Here’s a simple way to think about it:

• A trip interruption happens when something forces you to depart past your scheduled departure date or stop your trip altogether. This could be a result of specific reasons listed in your policy such as you or a family member getting seriously ill or injured or your airline canceling flights because of severe weather. If you have to return home early or cancel the rest of your trip because of an eligible reason, this is where a trip interruption claim would come into play. This claim requires proof of reason for the interruption.
• A travel delay is more about hiccups along the way once you’ve started your trip that slow you down but don’t stop your trip entirely. Think about things like flight delays, natural disasters or severe weather, or losing your passport. A travel delay claim helps reimburse extra costs you have to pay if you’re delayed for at least five consecutive hours (six with our Essential plan) during an eligible event. These unexpected extra costs could include meals, hotel stays, or local transportation.