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According to page 9 of your "Description of Coverage" (form G-110CS), your Travel Delay Coverage states that "If you are delayed on your Trip for 6 hours or more, we will reimburse you, up to the amount shown in the Schedule for reasonable additional expenses incurred by you for lodging Accommodations, meals, telephone calls, local transportation, and additional vehicle parking charges and additional pet kennel fees incurred due to the delay. We will not pay benefits for expenses incurred after travel becomes possible."
"Travel Delay must be caused by or result from:
a. delay of a Common Carrier; or
b. loss or theft of your passport(s), travel documents or money; or
c. Quarantine; or
d. hijacking; or
e. natural disaster or adverse weather; or
f. being directly involved in a documented traffic accident while you are en route to departure; or
g. unannounced strike; or
h. a civil disorder; or
i. Sickness or Injury of you or a Traveling Companion; or
j. death of a Traveling Companion."
Although your reasons for delaying your trip are understandable, those reasons are still not listed as "covered reasons" for reimbursement under Travel Delay, so your claim was correctly denied.
If you can provide other documentation confirming that your delay was actually due to a covered reason in the policy, we would be glad to re-visit the claim on your behalf.
We appreciate your taking the time to submit your review which will be
published as you submitted.