"Standard travel insurance policies generally cover lost luggage and medical expenses. However, they may not fully cover costs related to delays and cancellations."
"If your policy includes travel disruption coverage, it might reimburse you for expenses incurred from delays or cancellations, provided these costs cannot be recovered from other sources, such as the airline."
"Most insurers state you must register your claim within a period of 30 days to a few months of your return. Missing the deadline can result in you being refused even if your claim is valid."
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