Flight insurance isn’t worth it. Unless you’re traveling internationally, flight insurance for delays coverage is not money well-spent. Trip-delay coverage usually kicks in only after more than six hours (in some cases, eight to 12 hours) or a cancellation. Travel insurance for a domestic trip may be purchased for about $100, but at that price, you may only receive up to $150 per day with a three-day maximum for out-of-pocket expenses, such as a hotel room, meals or a taxi. To get greater benefits, you would have to spend more up front. “I wouldn’t get it solely for flight delays, only international travel, where you have a large investment to lose,” England says.