Minimum stopover period before covered by travel insurance – Is that correct?

[sonny]

Hey Folks,
I’m about to book some flights to Hawaii, I have my LDN->LAX flights booked and now need my LAX->HNL.

We’ve been to LA before; an afternoon is enough to see what’s needed.

Our plan is to land in LAX at 14:55, 20th June, and depart for HNL on the 21st June at ~8am. Our aim is to arrive in HNL pre 12.

I read somewhere on this forum that you needed a minimum stopover time, and if it’s not met then travel insurance is void for the connecting flight. Is that correct?

I’ve tried to look and can’t find it anywhere (this forum on online) – and in Europe I’ve had connections that are as low as 40mins.

Any help would be much appreciated! Thanks

[Richie]

You aren’t connecting and staying air side at LAX and your flights aren’t on the same booking, it seems your travel insurance would apply if the flight arriving at LAX is delayed.

[BA Flyer IHG Stayer]

What does your travel insurance policy say?

That’s what matters!

You need to read that not ask random people on the internet who have no idea who your unnamed insurer is.

[TGLoyalty]

I came here to say exactly that.

There’s no way near enough information here for any one to offer any advice.

You need to check your documents closely!

[JDB]

As above, you need to read your specific policy. It’s not even entirely clear what the question is either. If the question is what is a ‘trip’ that engages the policy, you need to check the definition. If you are asking how long you need to leave between flights so that a missed connection might be covered by the policy, you need to read the terms, but also check what is covered. They usually refer to something like leaving reasonable time and you can’t rely upon minimum connection times if you are on two tickets. If you were to miss a connection, many policies just offer a smallish sum to cover incidentals or a nominal sum for a long delay whereas others might cover the cost of replacement tickets.

[sonny]

Good points – not sure why I didn’t think of checking my policy.

I did look, and it turns out flights not departing or arriving from the UK aren’t covered – so I know to change policy before I travel

Thanks all!

[JDB]

sonny wrote:

Good points – not sure why I didn’t think of checking my policy.

I did look, and it turns out flights not departing or arriving from the UK aren’t covered – so I know to change policy before I travel

Thanks all!

Flights not departing from the UK may be covered by your policy if they form part of a bigger trip that originates and ends in the UK, but some policies do only look at your outbound and return flights within travel disruption/inconvenience sections.

[Matt]

As per JDB, check the definitions in the policy. It’s not exactly uncommon to have internal flights in a foreign country as part of a holiday, and while it is possible they aren’t covered, they should be by a good policy.