Let’s examine this scenario: You have booked a 2-week European tour starting with a cruise down the Seine River in Paris. Your flight from North America is delayed, or worse yet, cancelled. You will not make it to Paris in time to catch the cruise.
If a covered reason cancels or delays a trip that results in more than 50% of a trip being missed, a claim may be submitted to cover the unreimbursed expenses of the trip, according to the terms of the policy.
Otherwise, travelers can make travel arrangements to catch up with a tour and have those expenses covered as per the terms of the policy.
When encountering a delayed/cancelled/missed connection scenario, it is best to contact the insurance company before making further travel arrangements.