In travel, unexpected events can throw even the best-laid plans off course. Missing a connecting flight or not making it to your cruise departure on time can be nerve-racking. Whether your missed connection was due to weather or your airline was having technical issues, the inconvenience might also be costly.

That is where AXA Travel Protection comes into play, offering coverage for travelers facing disruptions to their itineraries. Below is a breakdown of the key points to understand about this travel insurance's missed connection coverage 

What is Missed Connection coverage in Travel Insurance?

The Missed Connection benefit offers coverage for travelers who miss their connecting flight or transportation due to an unforeseen event, such as inclement weather, mechanical issues, or other unexpected events. Missed connection insurance can help reimburse you for the cost of joining up with your trip or for pre-paid nonrefundable payments or deposits for unused bookings.

Additional Transportation Expenses: If your flight delay prevents you from catching up with your cruise or tour, an AXA Travel Protection plan can cover the expenses needed to reach your intended destination economically, such as the cost of rebooking your missed flight or connecting transportation. If you need to get from the airport to a hotel or other location, this benefit can cover the transportation expenses.

Reasonable Expenses: Recognizing the inconveniences you might face during the delay, AXA Travel Protection may reimburse you for reasonable expenses like meals and accommodations up to a daily limit. For example, if you're stranded overnight, the benefit can cover the cost of a hotel stay and food while you're waiting for the next available flight or transportation.

Refund for Unused Portion: If you have made pre-paid nonrefundable payments or deposits for parts of your trip that you could not utilize due to the delay, AXA Travel Protection can provide a refund for those unused portions. 

Secondary Coverage: It is important to note that this travel insurance coverage is secondary to any compensation you might receive from the airline. In other words, if the airline offers you compensation in case you miss a connecting flight because of a delay from their end, that takes precedence over what AXA offers. 
 

When can you claim the Travel Insurance Missed Connection Benefit?

Missed connection coverage helps you get back on track with your trip if something covered by your policy causes a delay. The exact rules can differ, but some common reasons that may be covered include:

• A confirmed delay from your airline or other travel provider.
• Bad weather that keeps you from reaching your departure point.
• Being hijacked.
• A strike, a natural disaster, or a terrorist attack that disrupted your travel.

Usually, the benefit applies if both your flights (or other forms of transportation) are booked on the same trip itinerary. If your connecting flight was booked separately, it may not be covered. 

Common Exclusions and Limitations for Travel Insurance Missed Connection

However, not all scenarios are covered under this policy. Specifically, individuals who could have realistically made their scheduled departures but opted to cancel their trip due to inclement weather that has not yet been deemed severe weather by the common carrier. 

Most importantly, the missed connection must be unavoidable, meaning it wasn’t caused by personal errors such as arriving late at the airport. The delay or cancellation must be outside of your control.

Certain pre-existing situations, such as strikes or natural disasters that were already known when you booked your trip, may not be covered by the travel insurance missed connection benefit. These exclusions prevent claims for events that were already anticipated.

This aims to prevent the misuse of travel insurance by those who had the opportunity to depart on time. 

How to File a Missed Connection Claim

To make a claim, you will need to provide proof of the delay (like a notification from the airline) and receipts for the extra costs you incurred. If you had to book alternative flights or pay for hotel accommodation or meals while waiting for the next available connection, keep all receipts for these expenses.

Submit your claim through the AXA’s File a Claim page and attach all the documents. Make sure to do this within the timeframe stated in your policy to avoid any issues.

Once submitted, the provider will review your claim, confirm it meets the policy’s criteria to cover missed connections, and issue reimbursement for eligible expenses.

How much coverage is provided for Missed Connections?

All three of AXA’s travel plans include Missed Connection coverage.
Total reimbursement varies based on the travel package selected. Maximum coverage per person is up to:
 
Silver
Maximum Benefit: $500
Daily Limit: $100
 
Gold
Maximum Benefit: $1,000
Daily Limit: $200
Missing a connection can quickly become expensive

Platinum
Maximum Benefit: $1,500
Daily Limit: $300

Who Should Consider the Missed Connection Benefit?

If you fly for business or pleasure, especially through busy or unpredictable airports, the likelihood of delays or cancellations is higher. Frequent flyers know they’re covered if a missed connection throws off their schedule. If you’re not just flying—trains, buses or cruises—then you have more things that can go wrong. A delayed flight could mean you miss a cruise or train.

It also helps those flying long haul, especially with multiple stops. When you’re navigating unfamiliar airports in foreign countries where language barriers and different rules can get in the way.

Missing a connection can get expensive fast if you travel with family or a group. Many people would have to rebook flights or find overnight accommodations. The missed connection insurance can cover these extra costs, so it’s a good option for families or group travelers who don’t want to pay out of pocket for unexpected disruptions.

Whether you're traveling internationally or domestically, trip insurance coverage with missed connection benefits ensures you’re not left scrambling if things don’t go as planned.

Other Travel Insurance Benefits: Trip Cancellation, Emergency Evacuation, Baggage Loss, Cancel For Any Reason, Trip Interruption, Medical Travel Benefit, Trip Delay

How to get a Travel Protection Quote
Receive a free quote within minutes.
Or call us at 855-327-1441 to speak with our licensed Travel Insurance Advisors.
Monday-Saturday, 8 AM-7 PM Central Time

Disclaimer:
It is important to note that the specifics for Missed Connection will depend on the policy selected, the date of purchase, the destination, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy and to contact AXA Travel Insurance with any questions or concerns they may have.

Also see: Plan Comparison Table| Bronze Plan| Gold Plan| Platinum Plan