Travel delays, baggage and rental cars

What do I get if my flight is delayed?

After a minimum delay caused by a covered event, the plan reimburses reasonable meals, lodging and local transportation, up to a daily amount and an overall maximum.

• Travel Insured: Deluxe after 6 hours, $150 per day up to $1,500; Platinum after 3 hours, $200 per day up to $2,000; New York plan after 6 hours, $200 per day up to $1,000.
• Trawick: after 6 hours; Pathway Plus $200 per day up to $1,000; Premier $300 per day up to $2,000.
• WorldTrips: after 5 hours, up to $2,000; $150 per day on Explore and New York Preferred, $200 per day on Elevate and New York Premier.
• Go Ready Choice: after 6 hours, $200 per day up to $2,000.

Keep your receipts and the airline's written confirmation of the delay.

What if I miss my connection or the start of my program?

Missed connection benefits pay extra transportation to catch up with your trip, and unused prepaid arrangements, when a covered delay makes you miss your departure.

• Travel Insured Deluxe $750 and Platinum $1,000, after a delay of 3 hours or more. New York plan: $500, for a missed cruise or tour departure.
• WorldTrips, after a 3-hour delay: Explore $1,000; Elevate $1,500; New York Preferred $1,500; New York Premier $2,000.
• Trawick: Pathway Plus $300; Premier $500. Only for missing a cruise or tour departure when weather cancels or delays all scheduled flights for between 3 and 6 hours (3 and 12 in New York).
• Go Ready Choice: $500 (the New York rider is worded for a missed cruise departure), when you miss an air connection or cruise departure because of a traffic accident on the way, or because all scheduled departures are cancelled or delayed 3 hours or more by mechanical breakdown or severe weather.

What is covered if my luggage is lost or delayed?

Two benefits apply: baggage loss is for lost, stolen or damaged belongings, and baggage delay is for essentials when your checked bags arrive late.

• Baggage loss: Travel Insured Deluxe $1,500, Platinum $2,500; Trawick Pathway Plus $1,000, Premier $2,000; WorldTrips Explore $1,500, Elevate $2,500.
• Baggage delay: Travel Insured Deluxe after 6 hours up to $500, Platinum after 3 hours up to $750; Trawick after more than 8 hours, $100 per day up to $300 (Plus) or $500 (Premier); WorldTrips after 12 hours up to $300 (Explore) or $600 (Elevate).
• Go Ready Choice: baggage loss $500 ($2,000 with the optional upgrade); baggage delay after 24 hours (12 in the New York version), up to $200.

Report the loss to the airline immediately and get a written report. For theft, file a police report.

Are jewelry, electronics and other valuables covered?

Only up to low per-item limits, so do not rely on the plan for expensive items.

• Travel Insured: $250 per article and $500 combined for jewelry, watches and furs. Deluxe and the New York plan also put cameras, computers and other electronics under that combined limit.
• Trawick Pathway: $100 per article on Plus, $250 on Premier; the Florida plans exclude computers, tablets and cell phones.
• WorldTrips Atlas Journey: $500 per article.
• Go Ready Choice: excludes property used in a trade or business; an optional Electronic and Professional Equipment upgrade adds cover for that equipment. New York version: $500 per item and $500 in total for electronic equipment.

Eyeglasses, hearing aids, money and keys are not covered (keys are not mentioned in the Go Ready Choice plan document). Carry valuables with you and check your homeowner's or renter's policy.

Do I need receipts?

Yes, keep them. Delay expenses need itemized receipts and the carrier's confirmation of the delay.

For lost belongings without original receipts, the payment is reduced: Travel Insured Deluxe and Platinum pay based on 50% of the item's actual cash value and WorldTrips on 75%.

• Go Ready Choice: payment is based on actual cash value; for items without receipts, on 75% of the actual cash value or 75% of the replacement cost, whichever is less (New York version: actual cash value or replacement cost, whichever is less).

Is a rental car covered?

Rental car damage is an optional upgrade, not part of the base plan. It covers damage to or theft of the rental car itself.

• Limits: $50,000 on Trawick, WorldTrips and Travel Insured Platinum; $30,000 on Travel Insured Deluxe. WorldTrips has a $250 deductible.
• Go Ready Choice: $50,000 with a $100 deductible, primary to other insurance; cars with a manufacturer's suggested retail price over $50,000 ($75,000 in the New York version) are excluded.
• It is not liability insurance: it does not cover injury to people or damage to other vehicles or property.
• Trucks, campers, motorcycles and exotic vehicles are excluded.