---
title: "What is Trip delay insurance? | Benefit Systems"
description: "Trip delay insurance is a card benefit that reimburses necessary extra costs during a long delay or an interrupted trip, such as hotels and meals."
source: "aus dem gebauten HTML abgeleitet"
---
# What is Trip delay insurance?

Trip delay insurance is a card benefit that reimburses necessary extra costs during a long delay or an interrupted trip, such as hotels and meals.

Also called: Trip interruption cover.

## How it works #

Cover starts after a minimum delay, requires the trip to have been paid with the card, and reimburses documented expenses up to a cap. It sits alongside statutory claims against the airline rather than replacing them: what the airline owes as duty of care is not paid twice. Receipts and written confirmation of the delay are a precondition for any payout.

## Not to be confused with #

Trip delay insurance is not the same as statutory compensation: insurance reimburses actual costs, while compensation is a flat entitlement owed by the airline.

## In German #

The German term is Reiseverzögerungsversicherung. [German version of this term](/de/glossar/reiseverzoegerungsversicherung)

## Related terms #

- [Primary coverage](/en/glossary/primary-coverage): Primary coverage means a card’s insurance pays first in a claim; secondary coverage only pays what another policy has not already covered.
- [Duty of care](/en/glossary/duty-of-care): Duty of care covers meals, means of communication and, where needed, accommodation and transfers that an airline owes during a wait.
- [Travel medical insurance](/en/glossary/travel-medical-insurance): Travel medical insurance covers medical treatment abroad, including repatriation, which state health systems usually do not pay for.

## Articles that use this term #

- [What does your card’s travel insurance actually cover?](/en/knowledge/card-travel-insurance)
- [When does an airline have to pay for your hotel and meals?](/en/knowledge/duty-of-care)
- [What do you do first when your flight is cancelled?](/en/knowledge/flight-cancelled-what-to-do)