Note that this cover is only available for US resident. probably suitable for the OP but may not be suitable for Xandrios, I believe. Travel insurance varies enormously from one country to another and in some countries, it is very difficult to find travel insurance that covers missed connections on separate tickets.

While we are on the subject of differences between countries, it is also the case that the kind of damages covered/rules on remoteness of damage also vary from one jurisdiction to another. It is therefore unwise to assert blithely that the carrier is not responsible for "consequential damages" (which, incidentally, is an ambiguous phrase without clear and precise legal definition) without knowledge of the specific law applicable and the rules on remoteness of damage in the relevant legal system.

I actually reside in US, I wasn't aware it's US resident specific but saw that in my Allianz travel insurance I got for one of my trips (they'll even cover for FFT program losses btw. ). Didn't need to use it so far though.

For next time, it might have worked better for you to stick to the KL flight rerouting, at the very least it would have saved you the 200$ you paid for the LHR hotel, as KL would be obliged to pay for a hotel in AMS + meals.

I searched Squaremouth.com and found a whole bunch of travel insurance policies that include trip delay coverage -- many of which are available to non-US citizens/non-US residents, and so would be available to [MENTION=234278]Xandrios[/MENTION]

Here was one basic search I conducted: https://www.squaremouth.com/quotes/5A58-2D00

Most of them included trip delay coverage of $250 - $500 USD per person per day, after 6 - 12 hours of delay, for a premium of anywhere between $4 - $160 USD. Trip delay was only one of the benefits offered by most of those policies. (For my sample search I used the example of a young man on a cheap trip for a short period of time.)

Also, as others have mentioned, even some credit cards offered by European banks include trip delay among their benefits.

+1

I had a flight delayed 1h50min, resulting in missing my booked train: amex reimbursed the new train ticket (last train of the day) and told me they would have covered the hotel+train if I had missed the last train of the day.

The insurance issue is not length of delay, but whether no show for a separate ticket is a delay at all.

Many US policies cover these delays and have a very specific definition of "trip" which includes the transfer between tickets when the time is above MCT had the two tickets been booked as one. Thus, had OP booked KL-UA via LHR and the scheduled time at LHR was above the MCT, he could also collect on such a policy.

I would also point out that AA, as a OW member with a substantial presence at LHR, has a unique contractual provision not specifically applicable to this OP, but perhaps other travelers. AA "protects" across AA-AA and AA-OW tickets. Thus, in the reverse direction separate tickets might not be a risk if the second ticket was to OW.

This is very different from European-style travel insurance products. Most European-style travel insurance covers a range of risks, medical cover in case of accident and repatriation costs as well as civil liability being the biggest risks in these policies. These all-purpose travel insurance products also cover things like missed departures, travel delays, etc... This is what Europeans typically understand by "travel insurance". The products that come under your search are more targeted to North-American approaches to "travel insurance" and are products that focus primarily on travel disruption-type risks. Seen with European eyes, they are very expensive products for what they are given the narrow nature of the risk thabt they cover compared to multi-risk travel insurance products sold in Europe. In any event, these are products that are almost entirely unknown in Europe. Some of them may technically be open to Europeans but virtually no-one this side of the Atlantic buys those products (in the same way as virtually no-one in the USA buys European-style travel insurance). The fact that these policies tend to be priced in USD is consistent with this.