Travel disruption insurance

Insurance against trip disruptions — delays, flight cancellations and forced changes. It covers the practical costs that come with a disrupted trip, such as an unplanned hotel stay or rebooking fees, separate from medical or baggage cover. Companies with frequent travellers often build this into their standard travel insurance package.

Disruption cover typically reimburses additional costs caused by events beyond the traveller's control, such as flight delays or cancellations, missed connections, strikes, extreme weather or airport closures. It may pay for meals and accommodation during long delays, the cost of alternative transport and non-refundable expenses such as hotel nights that could not be used. Some policies pay a fixed amount after a delay of a certain length, while others reimburse actual expenses.

Airlines and passenger rights regulations — such as EU261 in Europe — may already provide compensation or care in some situations, so insurance usually covers costs that are not reimbursed elsewhere. For companies, disruption cover is most valuable for frequent travellers and complex itineraries. However, insurance only compensates after the fact; fast rebooking and support during the disruption are just as important for keeping the trip on track.

Tumodo focuses on reducing the impact of disruptions as they happen. Flights can be tracked in real time, with instant alerts about delays or cancellations, and Tumodo's 24/7 support team, working under a 30-minute SLA, helps travellers find alternative flights and adjust hotels and transfers. The travel policy can also require refundable tickets or rooms with free cancellation for trips where plans are likely to change.