No because we are confusing the two protections. Travel delay is NEW costs incurred as a result of delay. Travel interruption/cancellation is reimbursement of EXISITING costs already incurred but unable to be used because of interruptions.

In the example above, the delay insurance would cover meals, hotels and additional new expenses up to a limit. Travel interruption insurance would kick in if there are nonrefundable expenses already paid, such as hotels, but unable to be used.