Originally Posted by
billatq
Supposing that the interpretation of misconnections is correct, that implies that if you want for misconnections to effectively be covered, you'd need to schedule connections to be around three hours long. If your misconnect because the flight was too late, then you effectively get the benefit you want. Seems pretty inconvenient, but straightforward. (Though it might be easier to have something like the no-fee Sapphire card to cover it in this case, since you only need a partial amount on the card for coverage.)
you also want to take into account travel time between gates, which may include going thru security again, passport control, terminal change, etc.
But I see your point: say if the travel time within airport is 1hr, then book a transfer time of 4 hours. Then you'd miss the connection only if the original one was late by 3+ hours.
And the obvious counter-argument to that would be: 4hr connections aren't just out there, waiting for you to choose for your itinerary. it could be either 1.5 hr connection or 6+ hr connection time. And the purpose of the insurance for the passenger is to spend less time at the airport, not more.