My flight is late 12 hours from Dubrovnik to Dublin, i buy new ticket because i can't wait 12h on airport, specially because health issues. I buy new ticket and claim from my travel insurance. And i receive this answer from this crooks: Dear Mr Culjak, Your claim has been assessed in line with the terms and conditions of your policy wording. Please note there is a 'Travel Delay' benefit of €15.00 for each full 12 hour period you are delayed per person insured, as stated in the terms and conditions of your travel policy. The travel insurance policy does not extend to cover the costs of rearranging new flights on the return home. Please be aware that as these expenses are not considered under your travel insurance policy we would advise you submit a claim under the Flight Compensation Regulation EC261/2004. All details can be found on From the information provided we can see that you were only traveller delayed on the return home. We can therefore only consider one benefit amount. Find listed below details of the claim settlement offer : Section : Travel Delay Settlement Benefit Amount €15.00 Settlement Offer €15.00 Under the Consumer Protection Code 2012 we are obliged to allow a minimum of 10 working days consideration period for any offer made in respect of your claim. However you may waive this period within the 10 working days by accepting the offer and requesting release of payment by contacting the undersigned via email, fax or telephone. Yours sincerely, Alan ODonohue Sedgwick AND I BUY GOLD MULTI TRIP INSURANCE... AVOID AVOID AVOID AVOID