Everything You Need To Know About Delta’s Trip Insurance Cancellation Policy

Traveling can be an exciting adventure, but also comes with the risk of unexpected events that could disrupt your plans. That’s why purchasing trip insurance with cancellation coverage is an important consideration when booking flights and vacations.

Delta offers trip insurance policies that allow travelers to cancel their trips for covered reasons and receive reimbursement for non-refundable expenses. This article will explain everything you need to know about Delta’s trip cancellation insurance policies.

An Overview of Delta’s Trip Insurance Options

Delta offers two main trip insurance options for travelers booking flights or vacation packages:

• Trip Protection Plan – Provides cancellation coverage and post-departure benefits. Offered for domestic U.S. itineraries.

• International Trip Protection – Provides cancellation coverage and post-departure benefits. Offered for international itineraries originating in the U.S.

Both plans are provided by Allianz Global Assistance, an industry leader in travel insurance. The Trip Protection Plan includes pre-departure cancellation benefits via Delta Vacations as well as the post-departure Vacation Protector plan by Allianz.

The International Trip Protection is a single comprehensive plan by Allianz that bundles the pre-and post-departure benefits.

Trip Cancellation Coverage

The key benefit provided by Delta’s trip insurance options is trip cancellation coverage. This provides reimbursement of non-refundable trip expenses if you need to cancel your trip due to a covered reason.

Some examples of covered cancellation reasons include:

• Sickness, injury or death of the insured, a family member or traveling companion
• Severe weather conditions or natural disaster at your destination
• Involuntary job termination or layoff
• Primary residence becoming uninhabitable
• Military duty for natural disaster relief
• Terrorist incident within 30 days of departure

Delta also offers a Cancel For Any Reason waiver as an upgrade to the Trip Protection Plan. This allows you to cancel your trip for any reason and be reimbursed up to 80% of the prepaid trip cost (minus the cost of insurance).

Reimbursement Details & Limits

If you cancel for a covered reason, Delta’s trip insurance provides reimbursement for prepaid, non-refundable trip expenses including:

• Airfare
• Hotel
• Tours & activities
• Vacation packages
• Cruise expenses
• Car rentals

Reimbursement is issued up to the maximum limits outlined in the policy. Some notable limits to be aware of:

• Trip cancellation: Up to total insured trip cost
• Trip interruption: Up to 150% of trip cost
• Baggage loss/damage: Up to $2500
• Emergency medical treatment: Up to $50,000

Any reimbursement over $500 will be issued in the form of a Delta travel voucher.

When Cancellation Coverage Applies

An important detail of Delta’s cancellation policies relates to when you can cancel and be covered.

In general, the Trip Protection Plan allows you to cancel up to 24 hours before your scheduled departure. The International Trip Protection Plan allows cancellation any time prior to departure.

However, for pre-existing medical conditions coverage, the insurance must be purchased within 14 days of making your initial trip deposit or payment.

The Cancel For Any Reason waiver also only applies if purchased within 7 days of your initial deposit.

How To Purchase Delta Trip Insurance

Delta’s trip insurance plans can be purchased during the online booking process or added after booking through My Trips on delta.com.

The basic Trip Protection Plan rates start at around $70 per person for domestic U.S. itineraries. The Trip Protection Plan Plus with Cancel For Any Reason waiver is around $115 per person.

For Delta Vacations packages, the plans can also be added during booking on delta.com/vacations.

Purchasing the insurance shortly after trip payment is recommended to take advantage of key coverages like the pre-existing conditions and Cancel For Any Reason waiver.

Policy Exclusions

While Delta’s trip insurance provides robust cancellation coverage, there are some exclusions to be aware of that could impact your eligibility for reimbursement:

• Pre-existing medical conditions (unless insurance is purchased within 14 days of initial trip payment)
• Mental health disorders, anxiety, depression, emotional/nervous disorders
• Being under the influence of drugs/alcohol
• Participation in extreme high-risk activities
• Travel against government advisory or travel supplier restrictions
• Pandemic when travel insurance is purchased after an outbreak

Confirm Your Eligibility Before Cancelling

Because trip insurance contains exclusions, it is essential to confirm your specific cancellation circumstance is covered before cancelling your trip.

You can review your Delta trip insurance policy documents or contact Allianz at 800-284-8300 to discuss your situation if unsure. Doing this proactively can help avoid surprise out-of-pocket costs later.

Summary

Delta offers two trip insurance options that provide cancellation coverage to reimburse non-refundable trip payments in the event you need to cancel for a covered reason.

Key highlights include:

• Coverage for sickness, injury, employment termination, weather events, and more
• Cancel For Any Reason waiver available
• Reimbursement up to total insured trip cost
• Purchase recommended within 14 days of trip deposit

Carefully review the insurance policy details before purchasing and verify cancellation coverage eligibility before canceling a trip. This provides peace of mind that your travel investment is protected if unexpected events arise.