Hi Paul, thank you. I was confused as you had said OP's scenario is exactly what travel insurance is for but it seems like they would have neither gotten the taxi ride home (delay was not 12 hours initially) nor rebooking (4K unlikely would cover the difference between buying the walk up rate and CX's refund, if any)...
Originally Posted by
PaulC852
1) No. Because HK products are for people based in HK and they don't provide for hotels in HK. However, fairly standard travel insurance would provide ~HK$500 for a 12 hour delay which would more or less cover the cost of getting home by taxi and back in the morning. Moreover, Cathay would normally also cover the costs of that transport for HK-based people.
2) No. Although for delays of more than 6 hours, the HSBC/AXA policy would pay up to HK$4000 for rebooking costs.
Obviously, if the OP isn't based in HK then HK Insurance isn't applicable. But in this case Cathay says that they will do their best to provide hotel accommodation.
From
https://www.cathaypacific.com/cx/en_...nt-to-you.html