MSIG International Travel Insurance Delayed Departure Cover

If during a trip, the public transport in which the insured person has booked to travel is delayed from departing from the time given by the carrier due to:
1. strike or other industrial action;
2. riot;
3. civil commotion;
4. poor weather conditions;
5. natural disasters;
6. the mechanical breakdown of the public transport or it not working properly; or
7. closure of airport or airspace,

we will pay one of the following benefits:

a) Delay benefit

We will pay $200 to each insured person for every full eight hours in a row of delay. The period of delay is calculated from the scheduled departure time given by the carrier in the original itinerary to the actual scheduled departure time of the replacement flight. For connecting flights, the period of delay for each flight are calculated separately and are not added together.

b) Alternative travel arrangement

If the insured person is able to book an alternative transportation to the same destination that departs earlier than the next available scheduled departure time offered by the same provider of the public transport which was delayed, we will pay for the additional administrative or/and travel expenses incurred. The maximum we will reimburse under (b) Alternative travel arrangement shall not exceed the amount we would have paid if the insured person had claimed under (a) Delay benefit, calculated from the original scheduled departure time to the next available scheduled departure time offered by the same public transport provider, less any refund recovered.

To qualify for claim under this section, the insured person must have checked-in in line with the original itinerary and received written confirmation from the carrier or their handling agents stating the reason and length of delay.