Government Shut Down – Travel Delays and Missed Flights

At, one of the most popular questions that travelers are currently asking is “What coverage do I have if I’m delayed by long TSA lines caused by the Government shut down that results in not getting through the lines in time to get to my flight?”

The bottom line is that travel insurance probably won’t provide much help for missed flights or delays  due to long TSA lines.  Why?  Because coverages that are designed to insure the value of your trip, such as trip cancellation/interruption, travel delays and missed connections, are named “peril coverages,” and long lines are not considered perilous.

“Named peril” is an insurance term which means that only those specific reasons listed in the policy for are covered. Most plans will cover delays or missed connections due to “inclement weather,” causing common carrier delays, or, in some plans, “mechanical breakdown or strike.” However, none of the plans covers delays or missed connections due to TSA delays.

At we believe that an informed traveler is an empowered consumer. It is essential the traveler be told of not only what is covered by his/her policy, but especially what is not covered as well.


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