What is travel inconvenience insurance? Typhoon, flight delay, claim application process

The most worrying thing about traveling abroad is encountering natural disasters. No matter the flight is delayed due to typhoon, earthquake, bad weather and other reasons, as long as the "travel inconvenience insurance" is insured in advance and meets the claim standard, you can get some compensation. Some credit cards not only directly cover the travel inconvenience insurance of Fubon, Cathay Pacific, Guangxin, Nanshan and other property insurance companies, but also include basic travel insurance and inconvenience insurance. Users can decide whether to strengthen insurance according to their needs.

Travel inconvenience insurance: Flight delay, lost luggage and lost passport are all covered by the Travel FPA insurance, which only covers medical claims for accidental death, accidental disability, accidental injury or sudden illness during travel, while travel inconvenience insurance can be applied to the inconvenience caused by flight delay, lost luggage and travel delay, and the coverage depends on the terms of each property insurance company. The most common use of travel inconvenience insurance is flight delay. Whatever the reason, such as Guangxin product insurance, as long as the flight is delayed for 2 hours, you can get a fixed compensation of 1.600 yuan, with the highest compensation of 1.000 yuan, which is the shortest time required for flight delay claims among all property insurance companies.

▲ In addition to paying attention to the flight delay time accepted by property insurance companies, we should also pay attention to the "location of flight delay". Some property insurance companies don't accept the flight delay from Taiwan Province Province, which means that no matter how long the flight from Taiwan Province Province is delayed, they can't apply for compensation. The picture shows the first terminal of Taoyuan Airport.

Claims can be divided into fixed claims and limited claims. There are two main types of claims for travel inconvenience insurance: fixed payment and limited payment. Fixed compensation means that you can apply for compensation as long as it is within the insurance scope, and the amount is the fixed compensation amount in the clause. Limit claim adopts the method of "actual expenditure and actual payment". Users need to obtain consumption documents including food, clothing, housing and transportation, and can apply for compensation not exceeding the maximum amount after being audited by the insurance company.

The procedure of fixed payment is more convenient, but the amount of fixed claim is higher. After some property insurance companies meet the standards (for example, Fubon flights are delayed for more than 6 hours), users can freely choose whether to pay a fixed amount or limit claims. At present, the fixed compensation amount of property insurance companies is about 2,000 yuan to18,000 yuan, and the maximum compensation amount can reach 25,000 yuan.

▲ Some property insurance companies will allow users to freely choose whether to pay a fixed amount or a limit claim after reaching the standard. The amount claimed includes meals, accommodation and transportation expenses. , depending on the terms of each property insurance company. The picture shows Fubon Property Insurance.

The acceptance conditions of claims depend on the terms of each property insurance company, and the scope of protection of each property insurance company is different. Users need to confirm in advance and prepare relevant proof receipts. Take the flight delay as an example. Some property insurance companies can accept the flight delay in Taiwan Province Province, or just accept the flight delay abroad, and the "announcement time of flight cancellation" is also a place to pay attention to. Property insurance companies only accept flights that are cancelled or delayed within 4 hours. If the airline announces in advance 1 day, it will not meet the claim conditions.

Factors affecting the acceptance of flight delay claims:

Flight delay time Whether the announcement time of flight delay has been completed at the flight delay location or whether the customs continues the travel insurance time▲ The insurance coverage of each property insurance company is different, and users must confirm the relevant information in advance before insuring. The picture shows the travel inconvenience insurance provided by Cathay Pacific Card Friends for overseas travel insurance.

When applying for claims, you need to attach relevant certificates. If you really encounter the situation that you can apply for a claim within the time limit, the user must obtain the flight delay certificate from the airline and keep the relevant fee details for subsequent application. After returning to China, according to the regulations of various property insurance companies, users need to file claims and fill out application forms within the time limit to avoid damage to their rights and interests.

Claims related certificates:

Original flight delay and cancellation certificate issued by the airline (including original flight, connecting date and time) and relevant expense receipts (such as accommodation, transportation tickets, daily necessities, etc.)?