{"id":25458,"date":"2025-11-28T12:05:13","date_gmt":"2025-11-28T12:05:13","guid":{"rendered":"http:\/\/tezgyan.com\/index.php\/2025\/11\/28\/holiday-travel-insurance-explained-how-to-handle-delays-cancellations-and-lost-luggage\/"},"modified":"2025-11-28T12:05:13","modified_gmt":"2025-11-28T12:05:13","slug":"holiday-travel-insurance-explained-how-to-handle-delays-cancellations-and-lost-luggage","status":"publish","type":"post","link":"https:\/\/tezgyan.com\/index.php\/2025\/11\/28\/holiday-travel-insurance-explained-how-to-handle-delays-cancellations-and-lost-luggage\/","title":{"rendered":"Holiday travel insurance explained: How to handle delays, cancellations and lost luggage"},"content":{"rendered":"<p><br \/>\n<\/p>\n<div>As the year-end holiday season approaches, experts warn travellers to carefully consider travel insurance due to high disruption risks from crowded airports, winter weather, and complex itineraries. Coverage for delays, cancellations, and lost luggage is seen as essential rather than optional.<\/p>\n<p><strong>Why travel insurance matters?<\/strong><\/p>\n<p>Nochiketa Dixit, MD of Industries at EDME Insurance Brokers, explains that during the holiday rush, \u201cpeople usually have to take care of rebooking costs, extra accommodation, and the loss of essential belongings, and these out-of-pocket expenses can escalate before they realize it. Travel insurance offers a stable financial cushion during disrupted journeys.\u201d<\/p>\n<p>Arun Ramamurthy, Co-founder of Staywell.Health, adds that for travellers with multiple connections or international itineraries, insurance acts as a \u201csafety net\u201d against systemic uncertainties, including airline delays and weather-related cancellations.<\/p>\n<p>Ajay Shah, Head \u2013 Distribution at Care Health Insurance, points out that coverage ensures travellers are shielded from substantial unplanned expenses, maintaining continuity of travel plans.<\/p>\n<p><strong>Common gaps in coverage<\/strong><\/p>\n<p><a href=\"https:\/\/www.cnbctv18.com\/tags\/travel-insurance.htm\" target=\"_blank\" rel=\"noopener\">Experts caution that last-minute travellers<\/a> often overlook important policy details.<\/p>\n<p><em>Dixit notes gaps such as:<\/em><br \/>&#13;\n<\/p>\n<ul>&#13;<\/p>\n<li>Trip value not fully insured<\/li>\n<p>&#13;<\/p>\n<li>Baggage delay benefits missing<\/li>\n<p>&#13;<\/p>\n<li>Pre-existing medical conditions undisclosed<\/li>\n<p>&#13;<\/p>\n<li>Exclusion of adventure or winter activities<\/li>\n<p>&#13;\n<\/ul>\n<p>\n<em>Ramamurthy highlights additional gaps:<\/em><\/p>\n<ul>&#13;<\/p>\n<li>Delay thresholds and notice requirements from airlines<\/li>\n<p>&#13;<\/p>\n<li>Restrictions on lost or stolen high-value items<\/li>\n<p>&#13;<\/p>\n<li>Coverage for missed connections when using multiple carriers<\/li>\n<p>&#13;\n<\/ul>\n<p>\nTo avoid surprises, travellers should carefully review policy inclusions, trigger conditions for claims, and documentation requirements.<\/p>\n<p><strong>Balancing cost and coverage<\/strong><\/p>\n<p>When selecting a policy, experts advise focusing on overall value rather than the lowest premium.<\/p>\n<p>Dixit says slightly higher premiums often provide broader, more reliable protection during peak travel periods.<\/p>\n<p>Shah adds that travellers should weigh premiums against potential financial risks, such as last-minute rebooking costs, medical emergencies, or loss of luggage.<\/p>\n<p>Ramamurthy notes that travellers with complex itineraries or international travel may benefit from higher-tier policies, while those on shorter trips with a single carrier may not require additional coverage.<\/p>\n<p><strong>Key clauses to check for winter travel<\/strong><\/p>\n<p><em>Before buying a policy, experts recommend examining:<\/em><br \/>&#13;\n<\/p>\n<ul>&#13;<\/p>\n<li>Delay thresholds \u2013 minimum wait time before coverage applies<\/li>\n<p>&#13;<\/p>\n<li>Weather-related exclusions \u2013 policies may exclude known weather events<\/li>\n<p>&#13;<\/p>\n<li>Baggage limits \u2013 maximum insured value of belongings<\/li>\n<p>&#13;<\/p>\n<li>Missed connection coverage \u2013 critical during busy holiday periods<\/li>\n<p>&#13;<\/p>\n<li>Natural disaster and airport closure clauses \u2013 relevant for winter travel<\/li>\n<p>&#13;\n<\/ul>\n<p>\nUnderstanding these clauses, including exclusions, sub-limits, and documentation requirements, ensures travellers select a policy suited to their needs.<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/www.cnbctv18.com\/personal-finance\/holiday-travel-insurance-how-to-handle-delays-cancellations-lost-luggage-ws-l-19775699.htm\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As the year-end holiday season approaches, experts warn travellers to carefully consider travel insurance due to high disruption risks from crowded airports, winter weather, and complex itineraries. Coverage for delays, cancellations, and lost luggage is seen as essential rather than optional. Why travel insurance matters? Nochiketa Dixit, MD of Industries at EDME Insurance Brokers, explains&#8230;<\/p>\n","protected":false},"author":1,"featured_media":25459,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[47],"tags":[],"class_list":["post-25458","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-travel"],"_links":{"self":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/25458","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/comments?post=25458"}],"version-history":[{"count":0,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/25458\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media\/25459"}],"wp:attachment":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media?parent=25458"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/categories?post=25458"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/tags?post=25458"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}