New US flight delay rules could strengthen case for travel insurance

New US Department of Transportation (DOT) rules reclassifying 10 causes of flight disruption as outside airlines’ control could leave travellers facing greater out-of-pocket costs – potentially creating fresh opportunities for travel insurers to guard against this.

Effective October 2026, the changes mean airlines will no longer be considered responsible for certain delays, including aircraft damage caused by extreme weather and the removal of unruly passengers. However, scheduled maintenance, crew scheduling, and routine aircraft cleaning or restocking remain within airlines’ control.

Travel Guard, part of Zurich Cover-More, says the changes could make travel insurance an increasingly important source of financial protection when disruption strikes.

“These newly exempted causes of flight delays are not especially common, but we understand that the new rules might make travellers feel less protected when they fly,” said Robert Gallagher, CEO, North America, Zurich Cover-More.

Many comprehensive travel insurance policies include flight delay cover, which can reimburse eligible expenses such as accommodation and meals, subject to minimum delay periods, qualifying reasons, and policy limits. Travel Guard says the majority of the 10 newly exempted disruption types would generally qualify under its Trip Delay cover, subject to individual policy terms.

Importantly, insurance may also offer protection beyond the airline’s obligations. Delays can trigger missed cruise departures, lost tour days, and additional destination expenses – costs that airline vouchers or reimbursements may not cover.

Travel Guard also highlights the role of assistance services in coordinating alternative connections and helping customers rejoin their itineraries.

The company recently launched an online resource hub to help travellers with disabilities plan and navigate trips more safely and independently.