If a client's passport is stolen causing an additional three days stay, how does the trip delay policy respond?

The trip delay policy is designed to provide coverage when an unforeseen event, such as the theft of a passport, causes a client to extend their stay. In this case, if a client's passport is stolen and they need to remain at their destination for an additional three days to obtain a new passport, the trip delay policy would typically cover expenses associated with that delay, such as accommodation, meals, and possibly transportation.

Insurance policies often include stipulations for unexpected events that disrupt planned travel, and theft of a passport certainly qualifies as such an event. The purpose of the trip delay coverage is to alleviate some of the financial burden that results from delays beyond the traveler’s control, which supports the understanding that clients have a right to coverage in this scenario.

This type of coverage works under the premise that the insured traveler would not have willingly chosen to extend their trip and that the costs incurred during this additional time are legitimate expenses related to their travel disruption. Therefore, being covered under the policy accurately reflects the protections intended to support travelers facing unexpected situations.