A recent post on the TripAdvisor Punta Cana forum, ‘Trip Insurance saved us last week!‘, points out where travel insurance can make a big difference.
The short version of their story is that their flight back home from a Punta Cana resort was delayed over 4 hours, causing them to miss their connection even if the flight left at the new departure time. They called their travel agent who worked with the travel insurance assistance services and were quickly re-booked on the same flight the next day. The trip insurance covered travel delays up to $200 per person, per night, nearly covering the entire cost of an extra day basking in paradise.
For the Chicago traveler, the trip insurance was well worth the extra money.
Luckily, this couple had an extra day to spare before they had to return to their lives at home. They later found that their original flight was delayed even further and then the flight was canceled entirely, so all those who went to the airport wasted a day waiting and were still out of luck.