Read your plan to understand policy limits and the way depreciation will affect your reimbursement quantities. In other phrases, your insurer won’t reimburse you the value of new gadgets if your stuff isn’t new. Virtually all travel insurance carriers have an 800 quantity the place representatives can answer questions. Their web sites also present very thorough descriptions of travel insurance coverage to choose out. Trip delay protection can reimburse you for incidental expenses that happen when your journey is delayed for a sure stretch of time, usually a minimal of three to 12 hours. This protection might help cover lodge rooms or meals you need to pay for when a flight is delayed, or for unused travel advantages you missed out on because of the delay.