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Ansell says in some cases if the delay is so extensive that it uses up half of your trip then you can cancel and get your money back. But this depends on the individual policy and coverage. 

He says the hot line provides any kind of assistance that people need in case of an emergency, including finding an English-speaking physician,  rebooking a flight, relaying emergency messages, tracking lost baggage and finding hotel accommodations.

Also, hold on to your receipts. You might be able to get reimbursed, depending on the insurance terms. But don't take advantage of the situation or it may lead to your claim being completely denied.

"If you say, 'I'm forced to stay here, so I'm going to stay in a five-star hotel,' you may get a rude shock, because they will say that was an excess expense," says Hasbrouck.

Stay secure
Meanwhile, the federal government has tightened restrictions for travelers. Travelers are advised to not bring liquid or gels onto planes. Some exceptions include baby formula, breast milk, juice, prescription drugs if your name is on the bottle, insulin and other essential nonprescription medicine. 

Travelers are also advised to check luggage and pack as little as possible, and to show up at the airport at least two hours early for domestic flights and three hours in advance for international flights. But, most importantly, pack your patience.

Bankrate.com's corrections policy -- Posted: Aug. 13, 2006
 
 
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