Originally Posted by
alanh
The main catch is that the benefits for delayed trips are for actual out of pocket meal, lodging, and alternate transportation expenses. If Amtrak comps you meals or hotels, you don't qualify.
So if you miss a GUARANTEED CONNECTION, Amtrak will comp you and the insurance is not useful. OTOH if you miss a NON guaranteed Connection, then yo are on your own - will the insurance reimburse you? You will have receipts.