Flight and Baggage Delay & Hotel Burglary Insurance
Section 6 - What is covered and what are the benefits?
Coverage A - Missed Connection
If due to the delay of the insured person’s incoming flight, the insured person misses a confirmed onward connecting flight and no alternative onward transportation is made available by the airline within four (4) hours from the time of the scheduled departure, we will pay the insured person’s reasonable living expenses incurred and other sundry items purchased during the period of the missed connection.
Coverage B - Delayed Flight Departure or Denied Boarding
If the insured person’s confirmed scheduled departure from any airport is delayed for four (4) hours or more, or the insured person is denied boarding of the aircraft due to overbooking and no alternative transportation is made available to the insured person by the airline within four (4) hours of the scheduled departure time of the original flight, we will pay the insured person’s reasonable living expenses incurred and other sundry items purchased during the period of the flight delay or denied boarding.
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My flight’s five hours late. Am I covered?
Yes. Your meals and hotel are covered.
The clock starts at four hours, as long as the full fare was on your Cobalt.
Flight and baggage delay insuranceAmerican Express Cobalt Card
Full fare charged to the card · $500 in total for one delay
Verified Sep 2026Certificate of Insurance, p. 18Source
