Standard travel insurance policies typically cover hotel accommodation expenses if a flight cancellation is caused by a covered event, such as severe weather, natural disasters, unexpected mechanical failures of the aircraft, or carrier strikes. Most policies require the delay or cancellation to exceed a specified threshold, such as 6 to 12 hours, before triggering coverage. However, flights cancelled due to general air traffic control restrictions or minor schedule adjustments announced days in advance may not qualify for emergency hotel reimbursement.
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