Travel Delay Cover can help with unexpected costs when your journey is disrupted by a long delay, delayed baggage, a missed connection, or a delay that forces you to abandon your trip.
Travel Delay Cover is provided by Chubb, a global insurance company, and is available with selected ZEN.COM subscription plans for residents of Poland, Czechia, Hungary, Romania, and Lithuania.
Who can use Travel Delay Cover?
Travel Delay Cover is available depending on your ZEN.COM subscription plan:
- Good: Travel Delay Cover is not available
- Better: Travel Delay Cover is not available
- Best: up to 400 EUR
- ZEN: up to 1000 EUR
For Best and ZEN plans, this is one shared limit for Trip Delay, Baggage Delay, Missed Connection, and Missed Departure. Claims across these coverage types count towards the same limit.
What Travel Delay Cover includes
Travel Delay Cover can help in four situations when your journey does not go as planned:
Trip Delay
If an eligible flight is delayed for at least 8 hours, you may be able to claim reasonable costs while you wait.
Covered costs can include:
- meals and refreshments
- hotel accommodation
- transfers needed to return to the airport or station
Your delay qualifies when it is caused by a covered reason, such as:
- a strike or union action that was not already underway or announced when you booked
- adverse weather conditions
- a mechanical breakdown
- an aircraft being grounded because of a mechanical or structural defect
The cover applies when you check in before the scheduled departure time and follow the conditions of your travel provider.
You’ll also need written confirmation from the public transport company showing the reason for the delay and how long it lasted.
Baggage Delay
If an airline or another carrier delays your checked baggage during your outward journey for at least 12 hours, you may be able to claim the cost of essential items you need while you wait.
This can include:
- clothing
- toiletries
- medicines
- mobility aids
The cover applies to essential purchases only. No excess applies to a Baggage Delay claim.
If your baggage is delayed:
- report it to the airline or carrier in writing within 24 hours of discovering the delay
- keep the original written report
- keep receipts for essential items you buy
If you later claim for the permanent loss of the same baggage, any amount already reimbursed for emergency purchases will be deducted from the final settlement.
Missed Connection
If your covered flight arrives late and you miss a confirmed onward connection, you may be able to claim costs needed to continue your journey.
Covered costs can include:
- onward travel
- meals and refreshments
- accommodation
The cover applies when you miss the connection because your covered flight arrived late.
Connections booked on separate tickets are not covered.
Missed Departure
If a qualifying delay lasts at least 24 hours and you decide to abandon your trip abroad, you may be able to claim eligible prepaid travel and accommodation costs that you cannot recover elsewhere.
Covered costs can include unused:
- travel
- accommodation
The cover applies to costs you’ve already paid or are contractually required to pay, as long as you cannot recover them from an airline, hotel, tour operator, or another provider.
Important conditions to know
For Trip Delay, Missed Connection, and Missed Departure, your journey qualifies for cover when:
- it begins and ends in your country of domicile
- you allow enough time to reach the point where your journey starts
- you check in before the scheduled departure time
- you follow the conditions of your travel agent, tour operator, and transport provider
- the costs cannot be recovered from an airline, hotel, tour operator, or another service provider
- any additional travel or accommodation is of a similar standard to what you originally planned
A delay caused by a strike that had already started or been announced before you booked the trip is not covered.
Cover also does not apply when you travel against the advice or restrictions of the relevant national or local authorities.
For the same disruption, you cannot receive reimbursement under more than one applicable Travel Delay Cover benefit for the same costs.
What Travel Delay Cover does not cover
Travel Delay Cover does not cover every travel disruption. Examples include:
- costs above your applicable cover limit
- costs that an airline, hotel, tour operator, or another provider can reimburse
- delays caused because you did not allow enough time for your journey
- strikes that had already started or been announced when you booked
- transport withdrawn from service by a civil aviation, port, or similar authority
- trips that do not begin and end in your country of domicile
- trip cancellation caused by volcanic ash
- travel or accommodation upgrades above the standard originally planned for your trip
For Baggage Delay, cover also does not apply when baggage is delayed because customs or another authority detained, seized, or confiscated it.
Full conditions, limits, and exclusions are available in the Travel Delay Cover Terms.
See also: How to make a Travel Delay Cover claim